The Global Employer's Option - GEO Group

Worldwide employer-sponsored group health insurance

The Global Employer’s Optionâ„  (GEO) is a worldwide benefits program designed for groups of two or more internationally assigned employees.

In response to our global clients’ evolving needs, we have designed GEOSM Group, which offers a base plan and an alternative plan, plus additional coverage options. This customizable benefits package is specially designed for multinational employers seeking Global Peace of Mind® as their employees embark on their travels.


  • Employer-sponsored group health insurance for internationally assigned employees
  • Dental, disability and life insurance available
  • Full group takeover and replacement provision
  • Qualifies as Minimum Essential Coverage (MEC)
  • Universal Rx pharmacy discount savings
  • Optional telemedicine benefits for physical and mental health

Made for...

  • Employers / Business Travelers
  • Expats / Global Citizens

Coverage Information

Term Life and Accidental Death and Dismemberment Insurance

  • Available up to $250,000 per employee
  • 10 or fewer IMG insured employees:
    • $10,000 minimum required
  • 11 or more IMG insured employees:
    • No minimum required
  • Group Life coverage automatically offers:
    • Term Life Insurance Benefit
    • Accidental Death Benefit
    • Dismemberment Benefit
  • Guarantee Issue amounts up to $100,000
    • Additional underwriting for $100,001 - $250,000
  • Group Life can be issued as a flat amount
    (e.g. $50,000) or multiple of salary (e.g. 2 x salary)
  • ADEA Reduction Schedule (Age Discrimination in Employment Act of 1967)
    • Less than age 65: 100% of principal amount
    • Ages 65-69: 35% reduction
    • Ages 70-74: 55% reduction
    • Ages 75-79: 70% reduction
    • Age 80+: 80% reduction

Daily Indemnity Insurance

  • Benefit offers $100 for every overnight of eligible inpatient hospitalization
  • Cash benefit payable directly to the insured
  • $25,000 lifetime maximum benefit
  • Group Life Insurance required
Exclusions: Pregnancy or related conditions; hospitalization which begins before the day of a scheduled surgery or procedure; spouse and children are excluded.

Extensive Network Access


UnitedHealthcare provides travelers in the U.S. with direct access to one of the largest networks of providers in the U.S. that includes:

  • Over 1.4M physicians
  • 6,797 hospitals
  • Over 45,000 clinics
  • A streamlined claims process
  • 1,800 convenience clinics

International Provider AccessSM

Travelers outside of the US can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes:

  • Over 18,550 physicians and facilities
  • Direct billing arrangements that minimize time and upfront expense

GEO Platinum USA Benefits Rider

This rider is available to U.S.-based employers that wish to provide enhanced benefits more in line with U.S.-style healthcare plans. The rider adds the following benefits:

  • Unlimited lifetime maximum
  • 100% coverage for eligible preventive services
  • Extends dependent coverage up to age 26 provided dependent is not eligible under any other health care plan and a full-time student
  • Waives pre-existing condition limitations on children under the age of 19

Emergency Travel Assistance

Even the smallest disruption can be an emergency when your group members are abroad. We offer a complete array of emergency travel assistance services so they can spend more time enjoying their international experience and spend less time worrying about the smaller issues. Some services provided include:

  • Emergency travel arrangements
  • Lost passport/travel documents assistance
  • Lost luggage assistance
  • Embassy or consulate referrals
  • Emergency message relay
  • Emergency prescription replacement
  • Medical referrals
  • 24-hour medical monitoring
  • Emergency cash transfer and emergency translations
  • Legal referrals

Optional Group Dental



BenefitsOption 1
Dental Plan Pays
Option 2
Dental Plan Pays
Option 3
Dental Plan Pays
Class 1 Benefits
Diagnostic & Preventative Services100%100%100%
Class 2 Benefits
Oral Surgery80%80%80%
Minor Restorative Services80%80%80%
Class 3 Benefits
Major Restorative Services50%50%50%
Classes 1, 2, 3: Maximum Benefit Per Person Per Calendar Year$1,000$1,000$1,500
Class 1 Deductible$0$0$0
Class 2, 3, 4 Deductible$50$50$50
Maximum Deductibles Per FamilyUp to 3Up to 3Up to 3
Class 4 Benefits
Orthodontia (to age 19)Not covered50%50%
Maximum Benefit Per Person Per LifetimeNot covered$1,000$1,500

Looking for a Provider?

Search our database for medical, dental, and other care providers.

  • "Although one hopes never to use travel insurance, IMG was a godsend throughout our ordeal. We couldn’t have done it without your continued assistance."
    Joan D. United States
  • "I took comfort in the fact
    that IMG had my back."

    Mark K. - United States

    While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.