Why is International Medical and AD&D Needed?

• Employers must protect employees traveling or stationed overseas against financial loss from injury and illness occupational or otherwise.
• Domestic and foreign voluntary workers’ compensation plans often leave employees with less that adequate coverage.

Coverages

• Accidental death & dismemberment
• Medical expense

What Limits Should You Expect

• AD&D for employee – $100,000 or $250,000 are available
• AD&D for spouse – $50,000; for child – $25,000
• Medical expense for employee, spouse or child – $10,000 or $25,000 are available

Features to Ask For

• Both products extend coverage to personal side trips (up to two weeks) in conjunction with business travel.
• Medical expense provides first dollar coverage for spouse and children traveling with employee.
• AD&D should provide 24 hour door-to-door coverage from time employee and covered family members leave home until they return.