Global Employers Option (GEO)

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Global Employers Option (GEO) Group – International Insurance

The GEO Group plan provides international employers a complete, single health plan to cover both expatriate, third country nationals and local nationals. It is a group international health insurance plan designed for companies that seek major medical coverage for their employees regardless of their nationality, residence and travel.

International employees under the Global Employers Group Health Insurance plan are provided a complete portfolio of health coverage including medical, dental, and life and access to high quality health care anywhere in the world, including the U.S.

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Plan Details

  • Policy Max
  • Deductible
  • Co-Insurance
  • Coverage Options
  • Plan Life
  • Underwriter
  • Claims Administrator
  • The GEO Group plan provides a Policy Maximum of US$5,000,000
  • $0 – US$25,000 reduced 50% when using Preferred Provider Network PPO in the US (Maximum 2 or 3 deductible per family)
  • Outside the U.S. and Canada:
    100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit.
  • In USA:
    100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit with PPO; outside PPO the plan pays 80% up to US$5,000, and 100% thereafter.
  • Supplemental coverage includes Term Life, Accidental Death and Dismemberment, and Dental Plans
  • The GEO Group plan is designed as an employee benefit for international corporations. Hence, there is no fixed life for the plan.
  • The GEO Group plan is underwritten by Sirius Insurance Company, a part of the White Mountains Re-Insurance company.
  • The GEO Group plan is administered by International Medical Group, Inc. based in Indianapolis, IN, USA. Claims Services are provided from USA and UK.

  • Eligibility

    The GEO Group plan is designed as an employee benefit for international employers. Corporations in the US or any other country can seek protection for its employees under the Global Employers Option group health insurance.

  • Plan Benefits

    The GEO Group plan offers a broad range of benefits including:

    • Full medical benefits worldwide;
    • Deductibles reduced by 50% and co-insurance waived when a PPO network hospital/doctor is used
    • Maternity, vision, and prescription drug coverage;
    • Adult and Child Wellness Benefits;
    • Mental/Nervous Disorders, Alcohol & Substance Abuse coverage
    • Supplemental Dental, Term Life, and Death and Dismemberment coverage ; and
    • 24 hour Emergency Travel Assistance.
  • Remarks
    • The plan typically requires the number of employees in the group seeking coverage within the US to be less than 20% of total number of employee participants in the group GEO plan.
    • PPO Network: Outside the US the plan does not follow a network. You can go to any hospital or doctor. Within the US the plan uses the Coventry First Health Network.

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