from 40% off

Retaining key talent is a top priority for every company, and offering a comprehensive employee benefits package is a must. Our expert advisors are here to help.

Health Insurance Solutions for Employees

Whether senior management or locally hired, many expatriate employees in Asia have come to expect an attractive benefits package including comprehensive health cover. Being away from the familiar surroundings of home, expats appreciate the assurance when their health and wellbeing are looked after. Fortunately, our expert advisors are available to employers and HR departments throughout this complicated process – from creating initial plan designs to finalizing enrolment with our trusted health insurance partners.

Generally speaking, for your company to be eligible for a group health insurance plan you’ll need to offer cover to a minimum of 3 employees. If your company is looking to cover only 1 or 2 employees, you’ll need to look at providing individual health insurance plans. There are many benefits to forming a group plan rather than buying multiple individual plans, including:

Need an urgent quote for your employees? Call us now!

If the renewal of your company’s existing benefits package is just around the corner, or you are in urgent need to provide comprehensive coverage to your employees now, give us a call directly at (+86) 021 5117 5153. Premium savings with most insurers start at 15% for group policies of just 3 employees!

Group insurance plans tend to be less expensive than individual plans owing to the “buying power” of a group. As the size of the group grows, so does the discount.

Expat Insurance Asia can tailor group insurance plans according to the specific needs of your company and employees. Reducing certain benefit limits or taking out certain benefits altogether can be a very effective way to save premium.


With a group size of typically 10 or more employees, insurers will offer to underwrite the group under medical history disregarded (MHD) terms, thereby covering your employees’ past medical history. Any waiting periods on dental care and/or maternity that may typically apply can also be waived.


You can add in and remove employees from your group insurance plan throughout the year and only pay the pro-rated premium for the period of time the employee was actually insured under the plan.

Having a single policy start date for all your employees’ medical insurance makes things very simple from an administration point-of-view.

Under a group insurance plan, the initial application is very simple and can be sorted through email with assistance from our expert advisors. Also, one lump sum payment can be made by bank transfer for the entire group upon sign-up.

Cover for inpatient (hospitalization) treatment and emergencies is the staple of any health insurance plan, and given the high cost of such treatment, the reason most people want health insurance cover.

Adding coverage for outpatient treatment, or medical treatment for minor injuries and illnesses during visits to a clinic, creates a more comprehensive health insurance package for your employees.

Adding maternity benefits on to a corporate health insurance plan tends to most significantly increase premium, as insurers typically require all group members to be provided the benefit in order to further spread out the risk for high medical claims.

International insurers generally offer a range of dental benefits, including routine, complex and/or orthodontic treatments.

Annual health check-ups, or preventative care, are often very useful for your employees so they may catch any major illness early on, thereby avoiding significantly higher medical costs in future. Most insurers typically include a minimal amount of coverage for travel vaccinations and/or child immunizations within this benefit as well.

Often regarded as a luxury benefit by international insurers in Asia, coverage for vision is still available through high-end insurers. This most commonly provides minimal cover for an annual eye test, prescribed spectacles including frames and lenses and/or contact lenses when a prescription has changed.

including employees and their dependants

Trusted Health Insurance Partners


from $20
Moving to a new country? In between jobs with no benefits? Get expert advice and the affordable coverage you need most for wherever life takes you.


from $50
Nothing is more important in life than making sure your loved ones are safe and protected. Let us help keep your family’s health and future secure with a cost-effective insurance solution.


from $200
Very few other times in life are as stressful as starting a family. Our expert advisors and insurance partners can help you every step of the way until your new born arrives safe and sound.


from 40% off individual rates
Retaining key talent is a top priority for every company, and offering a comprehensive employee benefits package is a must. Our expert advisors are here to help.