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Coverage for Expatriate employees

Expatriate employees need coverage in a great diversity of areas, from health insurance to disability benefits, via assistance for repatriation in case of accidents or illness. MAXIS offers the whole spectrum of Employee Benefit products to expatriates so that they can devote all their energy to fulfilling their mission in their adopted country.

Tailor-made solutions

MAXIS offers group insurance tailored to the needs of its international clients’ expatriate workforce, even if the company only has a limited number of employees abroad. For larger companies, MAXIS designs a package that provides them with tailor-made benefits. For smaller companies (with less than 20 expatriates), we offer a standard solution with features that are usually available only to larger companies.

In both tailor-made and standard packages MAXIS offers very competitive and fully comprehensive solutions, including:

• Social security with health insurance, disability coverage and death insurance for the employee and his or her family

• Complete assistance, with the possibility of medical staff travelling abroad or repatriation of employees when required.

To ensure immediate response at all times, MAXIS has a 24/7 service to provide information and take immediate action in case of emergencies.

The Standard Expatriate policy for companies with less than 20 expatriates

Benefits are provided in line with employees’ needs according to their profile and the country of residence:

• Three levels of coverage are available, from the first euro of expense to complementary schemes in countries with public health coverage, with up to 100% coverage available for all countries

• Scalable disability and death insurance coverage

• Complete assistance is included in all our coverage schemes.

Health insurance options

A complete offer...

Health insurance allows policyholders to be fully covered for all of their medical expenses or, if they benefit from a National public health scheme (either in their country of origin or in their country of residence), to be reimbursed for part or whole of the expenses not covered by these public schemes.

The table below is an example of options available for French nationals who are generally partially covered by their national public health insurance even when they work abroad. The percentages reflect the final amount of coverage, taking into account the variable reimbursement rate for different medical expenses of the French public health system.

→ The rate depends on:

Disability and Death coverage options

In cases of temporary or permanent disability, the policyholder receives daily indemnity payments and in case of death, his or her family and inheritors receive a payment in capital.
This package is available with or without health coverage. 

• We pay a capital amount of 50 to 400% of the annual salary 

• We offer a double indemnity option, in cases of accidental death 

• We pay a daily indemnity equivalent to 70, 80 or 90% of the salary in case of permanent disability or temporary disability (PD/TD). Three waiver periods are available: 30, 60 or 90 days.

→ Three packages are available:

• Death

• Death + PD/TD

• Death + PD/TD and accidental death

Assistance and related services options

These guarantees also cover the employee’s family and dependents (spouse, children, etc)

→ Assistance provides tranquility for people living abroad:

• access to telephone call center for health information and practical matters 

• access to the AXA Assistance care network

• repatriation and return to the foreign country after total recovery 

• medical staff sent abroad for the employee and his dependents 

• replacement staff member sent abroad

• medicine, glasses and contact lenses sent abroad 

• advance on health expenses and hospitalization fees.

Putting service first

• Simple policy procedures

• Customer care, including advice and help in fulfilling requirements

• Rapid reimbursement

• MAXIS expertise for optimized management of insurance resources.

The MAXIS Network is available for planning the future of your expatriate coverage with you. Please contact us.