This insurance covers employees who live outside Norway.
To meet individual wishes and needs, the insurance is designed to make it possible to choose between different kinds of coverage. However, the coverage Illness and Repatriation is part of the basis coverage and must be chosen.
Review of the different coverages
The rationale of the Expatriate Travel Insurance is that expatriated employees should be working under the same conditions as the rest of the employees. In emergency situations they need the same help as if they were still in Norway.
For that reason The Expatriate Insurance is designed to fulfil the typical coverage requirements for a family. The following types of coverage can be added to the insurance:
- Illness and repatriation
- Personal liability
- Home contents insurance
- Travel Insurance
The final price of your policy will depend on the chosen coverage and insurance amounts. Furthermore, the following factors will apply:
- The number of expatriated employees
- The countries of residence
- The age of the employees
- The health of the employees
- Contingency plan
Most countries in the world have a reliable and well functioning health system. However, there are places where appropriate treatment is not available.
If employees are expatriated to such places, it is important that a contingency plan has been developed. The plan should be prepared in advance and state where the nearest suitable hospital is and the means of patient transportation in the case of an emergency. The contingency plan will be registered at the emergency centre, ensuring its preparation and fulfilment should the employee need help.