Employees on overseas assignments: cover every business trip
Trade fairs, construction sites, audits, negotiations: whenever your employees go on assignment, your duty of care follows them. careXpat arranges group health cover and assistance to protect all their trips, with minimal administration.
A short assignment can carry significant risks
A trip of a few days exposes an employee to the same unexpected events as expatriation: accidents, emergency hospitalisation and medical evacuation. Yet cover is most often arranged on an ad hoc basis for these short assignments.
The employer's duty of care has no minimum duration. careXpat structures group insurance and assistance policies: all your employees are covered, every departure is protected, and your HR teams no longer need to manage each case individually.
Beyond 90 consecutive days, most travel benefits, including bank card cover, cease to apply.
The medical expenses limit on a Visa Premier or Gold Mastercard, subject to conditions. A hospital stay in the United States can use it up in a few days.
The article establishing your duty of care. In the event of an accident, an employer may be found to have committed inexcusable fault under civil law.
Occasional, repeated or long-term assignments
An occasional assignment
A trade fair, client visit or audit lasting a few days to a few weeks. The employee remains affiliated with French social security, but French reimbursement rates are very low compared with local medical costs.
- Single-trip insurance: named cover from departure to return
- First-euro medical expenses cover and repatriation included
- Individual certificate for visa formalities
Benefits tailored to business travel
Six areas of protection covering unexpected medical events and travel disruptions, with no upfront payment for the employee.
Medical expenses and emergency hospitalisation
First-euro cover for unexpected care, with limits suited to the most expensive destinations. Direct payment to the hospital, with no upfront payment by the employee.
Medical repatriation
Medical evacuation and repatriation arranged and funded, wherever the employee is.
24/7 assistance
A medical team available day and night in French, to provide guidance and arrange care.
Personal liability abroad
Damage caused to third parties in the course of private life during the assignment, and local legal protection in the event of a dispute.
Baggage and delays
Compensation for lost business baggage and costs arising from transport delays.
Teleconsultation
Immediate remote medical advice to help prevent a minor health issue from disrupting the assignment.
Premium bank card or group assignment policy?
A bank card can give a sense of being covered. It does not provide evidence of compliance with the duty of care.
Bank card insurance
- Limits
- Limited medical expenses, often around €155,000, with deductibles.
- Conditions
- Valid only if the trip is paid for with the card, for a maximum of 90 days.
- HR management
- No centralised monitoring or evidence of compliance with the duty of care.
Group assignment policy
- Limits
- First-euro medical expenses cover, with limits of several hundred thousand euros.
- Conditions
- All employees, all destinations, regardless of how travel is booked.
- HR management
- Certificates, claims follow-up and billing centralised through a single contact.
A single point of contact, from setup to claims
careXpat defines your needs, compares international insurers and remains your contact throughout the policy's lifetime. Your HR teams retain oversight of the programme without carrying the administrative burden.
- Analysis of your travel patterns and identification of relevant benefits
- Competitive comparison of leading international insurers
- Ongoing support: certificates, claims and policy changes
Ready to protect your employees on assignment?
Our specialist business insurance advisers analyse your travel patterns and recommend the most suitable policy format, with a free review of your existing cover.
