Information about GBG

Most people understand the importance of having life insurance to provide financial security in the event of their deaths, but it is sometimes difficult to obtain coverage in a foreign country. Global Benefits Group offers a wide variety of plans featuring worldwide coverage, flexible policy features and individual service.

GBG offers life insurance to both groups and individuals. Rates are very affordable. GBG can offer groups up to $250,000 of coverage with no medical examinations; dependent coverage also is available. We can also provide War and Terrorism coverage if needed.

For individuals, GBG has a variety of products to meet an assortment of needs. With our life products, individuals can provide protection for mortgages, college funds, retirement and estate planning. And with worldwide coverage, purchasing life insurance through GBG gives employees coverage no matter where their overseas assignments or international travels may take them.

GBG's medical insurance policies are comprehensive, flexible and affordable. They are available to both individuals and groups of all sizes. GBG can tailor its benefits plans to a group's specific requirements; this ability sets GBG apart from most insurance providers.

GBG's plans focus on providing coverage to anyone living or working outside of his/her home country and to local nationals seeking coverage that is not available through their home country.

While rarely are any plan designs exactly alike, most GBG groups have the following medical insurance benefits:

• $1,000,000 annual maximum benefit
• Coverage for accidents and illnesses
• Emergency medical evacuation and air transportation
• Prescription drug benefit
• Access to discounted U.S prescriptions through the CVS/Caremark pharmacy network in the United States
• Inpatient and outpatient coverage
• Maternity benefits
• Well baby care benefits
• Dependent coverage to age 26
• Mental health benefits
• Approved pre-existing conditions covered
• Maximum age for enrollment 65, renewal to age 75
• Deductible and copayment options available to reduce premiums

Group policies will cover you anywhere in the world and can be purchased on a single-trip or annual basis. It provides high policy limits at affordable premiums designed specifically for corporations and/or leisure groups. Coverage applies outside the member’s home country of residence. GBG will design a product that protects your most valuable asset: your employees and members.

Key Features:

• Fully customized plans
• Purchase options in blocks of days
• Available to sub-contractors and dependents
• Access to international direct bill providers via our Preferred Provider Network
• Coverage options up to one year
• Pre-existing condition options
• Accidental Death & Disability Coverage
• War Risk Coverage
• Supplement to Worker’s Compensation Coverage
• 24-hour business sojourn (personal trips taken immediately before or after business trips)

Accidents happen unexpectedly and when they do, it is important, especially in a foreign country, to have the ability to continue to pay ongoing bills and obligations.

GBG’s affordable disability insurance plans have benefits that allow up to 70% of salary ($80,000 annual benefit limit) to be paid to a disabled worker anywhere in the world.

Each plan is custom designed for the international employee who wants to protect his/her income while recuperating from a disabling injury.

Features include:

• Coverage to age 65
• Choice of 60% or 66 2/3% or 70% of salary for disability
• Choice of 3, 6, or 12 month waiting period