The passport to healthy business overseas: top ten tips before employees travel

Ensuring successful overseas assignments for employees is no easy task. The potential pitfalls businesses face are many – not least in terms of health and welfare.

HR professionals frequently have to contend with a variety of issues from full scale medical emergencies to employees that fail to adjust to the culture of foreign climes. Good planning is everything and precautions taken at an early stage can, quite literally, save lives.

Rachael Floyd, Willis Towers Watson Heath & Benefits Operations Director and registered nurse, reveals 10 things that will ensure your staff are fit for business before they jet off on overseas placements.

  1. Horses for courses: check to see if health insurance is mandatory. Hefty bills can result from medical problems abroad and so adequate cover is vital. When sending staff abroad for more than six months, you should provide them with international health insurance – for some countries, particularly in the Middle East, it is mandatory. If an employee is being posted to Saudi Arabia or Abu Dhabi, for example, residency visas and work permits are dependent upon having appropriate health insurance.

  2. Accept no substitutes: business travel insurance is no replacement for International PMI. For short business trips, business travel insurance will cover urgent medical treatment with the additional benefit of insuring personal possessions and including limited kidnap and ransom cover. Policies have a maximum number of days that individuals can travel under them each year. As with the EHIC (the European Health Insurance Card) – which covers emergency healthcare treatment – cover is restricted and it should not be viewed as a replacement for an international medical policy.

  3. Don’t rely on EHIC. In the European Economic Area (EEA) and Switzerland, the EHIC has a number of restrictions. It is not normally available if you are living in another country; it will only provide access to emergency, state-provided treatment and it doesn’t pay for emergency evacuation or repatriation. It can’t be viewed as a replacement for an international medical policy. Find out more with our guide: EHIC: Get the facts.

  4. Seek professional advice: not all health policies are created equal. When arranging employee health insurance, don’t assume all international policies are the same – take expert advice. The flexibility of cover benefits, for example, is a key consideration. Maternity cover accounts for around 15 per cent of a premium and will be unnecessary for single male assignees. Excluding the USA from a worldwide policy meanwhile can halve premium costs.

  5. Forewarned is forearmed when making a medical claim. In addition to the numerous financial considerations employees have to deal with, from setting up local bank accounts to arranging money transfers, they should also be aware of the medical insurance claims process. For out-patient treatment abroad, the employee will in most cases pay the bill and then claim it back from the medical insurer. Be sure to check what the insurers’ procedures are for outpatient claims are - how long will it be before the claim is paid back by the insurer, for example, does the claim require preauthorisation and will it be paid directly into the employee’s account? If a claim is paid by cheque, this can take 6 to 8 weeks to process abroad and employees should be mindful of this.

  6. Ensure employees are fit to travel. A pre-travel health check can go a long way to ensuring employees remains fit and healthy while they’re abroad. A report on their state of health can enable staff to take control of their own wellbeing before they pick up their passport. Underlying medical conditions can be identified and addressed before travelling, with medical care received from doctors in a familiar healthcare system without language barriers. A pre-travel screening can also highlight any recommended working adjustments and reduce the risk of a secondment being cut short due to illness.

  7. Don’t expose your business to the risk of an uninsured claim. Check the small print of your Employers’ Liability policy. Standard Employers’ Liability insurance does not normally cover staff working abroad for extended periods and country-specific policies may be required. In many countries it is a statutory requirement for an employer to have liability insurance to cover employees who are injured or contract a work-related illness. It is also advisable to conduct full health risk assessments on the destinations you send staff and fully brief them on the local issues before they set off.

  8. Take steps to avoid preventable illnesses. An array of tropical diseases lie in wait for employees travelling abroad, from Cholera and Typhoid to Hepatitis and Yellow Fever. Vaccinations and anti-malarial drugs should be arranged where required but be mindful of the fact that many vaccines take several weeks to become effective. In the case of Yellow Fever, some countries in Asia require a mandatory International Certificate of Vaccination against the disease. For more information on this and other such requirements, visit the WHO website. (http://www.who.int/csr/disease/yellowfev/en/)

  9. Health mind – healthy business: look after employees’ emotional wellbeing. Employees and their families often fail to adjust to foreign cultures, feel alienated or isolated but some simple steps can be taken to help ease the transition. Employee Assistance Programmes can offer employees access to confidential support, practical information and expert advice throughout Europe, Asia, Africa and North and South America. Find out more with our guide: Healthy mind, healthy body.

  10. Protect your assets against extortion. Kidnapping of company employees is a very real risk and generates hundreds of millions a year in ransom payments for guerilla and criminal groups around the world. With UK government policy not to pay ransoms, employers should seriously consider Kidnap and Ransom insurance cover when sending staff to volatile regions particularly areas of Latin America, Asia and the Middle East. Security consultants are made available to protect your employee and provide practical help on the ground should a problem arise. Find out more with our guide: The dangers of kidnap and ransom overseas.

If your company has healthcare or medical insurance questions, call Willis Towers Watson on 01606 352035 or request a callback to find out how we can help you.