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International Health Insurance Coverage for Groups

Tygate recognizes the challenges that multinational organizations face in the deployment and management of a global workforce. To support these organizations in developing benefits and reward strategies that confidently meet global HR standards, and respond to local competitive and regulatory requirements, we continually reinvest in our capabilities and our people to support our clients.

With the setting customized strategies for each of our clients, we can manage both their short-term cost control challenges as well as the longer-term issues of health program management, employee engagement, agreement, accountability, health, and well-being.

Policy Benefits

Choose from a fully comprehensive expat health insurance plan that can cover everything from in-patient and out-patient treatment, cancer treatment, chronic conditions, emergency medical evacuation benefits, and war zone cover. Or opt for inpatient only plans, where major medical inpatient surgery and treatment can be chosen as cost-saving benefits.

In-patient

  • Private or semi-private rooms
  • Inpatient surgeries – including surgeons’ and anesthetists’ fees
  • Intensive care
  • Cancer treatment
  • Transplant services and kidney dialysis
  • Diagnostic procedures
  • Advanced medical imaging (MRI, CT and PET scans)
  • Organ transplants
  • Renal failure and dialysis
  • Specialist consultations
  • Emergency dental
  • Emergency evacuation – includes travel costs for an accompanying person, accommodation and compassionate visits
  • Medical repatriation – includes repatriation of mortal remains
  • Psychotherapy and psychiatric care

Out-patient

  • Consultations with medical practitioners and specialists
  • Out-patient surgeries
  • Diagnostic tests
  • Dental accidents
  • Prescribed medication
  • Maintenance of chronic conditions
  • Physiotherapy and chiropractic treatment
  • Alternative therapy
  • Psychotherapy and psychiatric treatment
  • Therapeutic aids and appliances
Add-ons
Value Add

Optional Top-up Benefits

  • Maternity cover
  • Newborn Care
  • Dental care
  • Health and wellness checks
  • Vision
  • Accidental death and dismemberment
  • Terminal illness cover
  • Travel insurance
  • Life insurance
  • Income protection
  • Child immunisations
  • Travel vaccinations
  • Mental health and wellbeing

Added Features

  • Cover at private or public hospitals
  • Cover of specific pre-existing conditions
  • Easy claim processes, fast refunds and online claims tracking
  • No-claims discounts
  • Vast network of direct billing providers worldwide
  • Pre-approval for high cost treatment
  • Lifetime renewable
  • Optional 24-month moratorium or full medical underwriting
  • Medical advice helplines
  • Various payment methods and payment frequency options
  • Smartphone apps
  • Second opinion service
  • Find a doctor

Coverage Areas

We offer a wide coverage area, however as an expatriate, it is important to consider a worldwide policy excluding or including the USA. Most comprehensive international health policies ensure quality treatment for any illness or injuries, anywhere in the world, and avoids the need for switching to a new policy for each region or country that you relocate to. It also gives you the flexibility for you to opt to return home for treatment.

Tygate Locations

Our Partners

Our Quick Process

1 ) Understanding Your Company's Needs

Our detailed needs analysis involves us asking the right questions from the offset. A quick and easy process that removes the jargon to ensure we optimize your company's benefits and secure the most competitive rates.

2 ) Bespoke Benefits

Our access to full market review helps find providers to best suit your company's needs. From the area of cover to pre-existing conditions, we elaborate and offer bespoke benefits. We provide advice on cost control measures to provide sustainable plans and premiums.

3 ) Ease and Efficiency

As trusted brokers, our relationships with providers helps find the best benefits and premium. We evaluate plans, understand local regulations, trends, and the know-how of optimizing policy add-on benefits and exclusions. We provide detailed briefing and support to HR and administrative staff and we support the team with the application and enrolment process.

4 ) Personal Support

We work closely with your company to ensure the plan is implemented on your preferred start date. Our complimentary services include claim support and mediation, guidance on online tools, finding a doctor and network provider lists. We provide a full benefits review at renewal, offer cost containment options, and negotiate perfect renewal rates for best customer satisfaction.

Why worry about medical protection when you can leave it to the experts?

We can find the best cover and negotiate the best price for you.

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