Can you offer Nigeria Health Insurance for Expat Employees?

Can you offer Nigeria Health Insurance for Expat Employees

Question: 
We want an insurance cover that will enable us to register our expatriate working in Lagos with sos in respect of evacuation and overseas medical treatment.Can you help us?

Answer: 
Nigeria Health Insurance can be offered through various health insurance providers, which can include cover for expatriate employees living in the region. International health insurance plans will normally include worldwide medical benefits, affording expatriate employees in Nigeria with access to hospitals and medical treatments anywhere in the world. An International Health plan will usually include hospital care and everyday treatments such as doctor consultations, medical investigations, and rehabilitation therapy such as physio or chiro, plus other medical benefits. Nigeria Health Insurance plans can also include other benefits such as War and Terrorism Insurance, recommended for expats living in High Risk areas of the world.

While some health insurance providers offer worldwide medical cover, some medical plans will allow members to include or exclude certain geographic regions in order to reduce their premium. Due to the high medical costs in the North America, options are usually available to exclude USA and Canada medical cover. Other areas of the world, such as Africa and Asia, will have relatively lower health care costs, so limiting medical cover to a specific region or country, depending on your need, can help you save on your premium.

For example, William Russell offers a plan that is designed especially for expatriates living in Africa. William Russell Corporate Global Health offers medical cover in the Africa and India sub-continent region, to receive up to 15 percent discount on premium. Emergency cover is offered outside Africa and India, up to USD100,000, for trips of up to 90 days. No medical cover is offered in London, USA, Canada, or Caribbean. William Russell Corporate Global Health affords expat employees with comprehensive hospital cover, outpatient dental and optional maternity, plus emergency evacuation and repatriation benefits.

Emergency evacuation will afford you access to air transportation to a hospital where the high level of medical care is required. Companion benefits may also be offered to close friends or family member, covering expenses for travel and accommodation while you recover from a serious illness or accident. Repatriation benefits will normally include the return of mortal remains and burial expenses, and can also include a compassionate home visit in the event of a serious illness or death of a relative.

Pacific Prime can also offer War and Terrorism Health Insurance to expatriates living in High Risk areas such as Afghanistan, Iraq or Africa. Expats working in high risk occupations and living in dangerous, war risk zones and remote areas require a higher level of protection. Expats living in these areas have a higher risk of being exposed to bodily harm, disability or kidnapping and ransom, due to the higher risk of exposure to political unrest and violent crime to the more extreme events of terrorist attacks, suicide bombers, hostage and other war crimes.

War and Terrorism Insurance can offer benefits such as:

• Medical Care
• Personal Accident Coverage
• Emergency Medical Evacuation
• Defense Base Act (DBA) Coverage
• Kidnap and Ransom Coverage

For more information on Nigeria Health Insurance Plans or to receive a free global health insurance quote, please contact one of our dedicated advisers today.