Healthcare Research 2010: International healthcare benefits

Private medical insurance is the top benefit offered to expatriate employees, but few employers use multinational pooling arrangements, says Jennifer Paterson

Just over one-third of respondents have operations or divisions outside the UK, so many of them will be managing benefits for both expatriates and local staff in various countries.

Benefits commonly offered to expatriates include private medical insurance (PMI), critical illness insurance, income protection cover, and evacuation and repatriation cover in the event of an emergency.

One way to control costs for risk benefits offered to staff across two or more countries is to use multinational pooling. This is a profit-sharing insurance arrangement between global employers and insurers.


Multinational pooling can insure employees against risks such as death in service, long-term disability and critical illness. It can also include life insurance.