Group Health Insurance

Health Insurance for a Small Group

Group health insurance provides medical expense coverage for many people in a single policy. All the eligible participants are covered, regardless of age or physical condition. Group health insurance is ideal for International employees, missionaries, students, and travelers.

Group Medical Insurance

International Services, Inc. provides group health insurance plans from by some of the United States' best insurance carriers. Our group medical insurance plans are underwritten by companies with high A.M. ratings. Group medical insurance is provided by carries like: AIG, Nationwide, and Lloyds. A.M. ratings are provided by A.M. Best, an independent company. A.M. Best Company is considered the most reliable source for insurance company ratings.

Health Insurance For A Small Group - Two Categories

Major Medical Coverage:

This type of group medical insurance is generally used for longer coverage periods and includes comprehensive major medical benefits similar to those found in domestic major medical plans in the United States. Access to treatment in the United States is at the insured's option, or in the event of a medical emergency, transportation to the nearest medical facility is covered. Typically, missionary groups, long term expatriate assignments outside the United States, or permanent third world country nationals and local nationals are best suited for worldwide major medical coverage.

Travel Medical Coverage:

This type of group health insurance is generally used for shorter coverage periods, when comprehensive major medical benefits like maternity, mental and nervous, and preventative benefits are not applicable. Coverage for eligible treatment is limited to the locality where the insured is covered and is typically for new injuries or illneses that occur during travel. In the event of a medical emergency, transportation to the nearest medical facility is covered. Typically, group tours, conventions, or short-term international employee assignments from one week to six months are best suited for travel medical coverage.

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