The world is not enough.

Your employees are assigned to work abroad as expatriates (expats)? 

In this case, it is important to provide these employees with reliable and legally compliant health insurance coverage. Due to the statutory duty of care (§ 618 BGB, § 17 SGB V) you as an employer are liable for all treatment costs incurred during your employees‘ and their accompanying family members‘ stay abroad.

Protection of high residual costs

Your employees‘ statutory health insurance will reimburse only the treatment costs that would notionally have been incurred in Germany. High residual costs may therefore remain. So for example, an appendectomy performed in Germany will cost around € 3.000 to € 4.000, however, performed in Switzerland it costs around
€ 7.000 and in the U.S. even around € 13.000. In case of severe illness or costs caused by accidents, liability risks of the employer can quickly reach six-digit amounts thus becoming existential threats.

Comprehensive protection for you and for your employees 

Our special international tariffs „Hi.World“ provide comprehensive coverage for your foreign employees in Germany within the framework of a group insurance contract and protect you as an employer from incalculable financial risks.