The Global Employer's Option - GEO Group
Comprehensive worldwide employer-sponsored group health insurance
The Global Employer’s Option℠ (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 GEO Group, which offers a base plan, plus additional coverage options. This comprehensive and customizable benefits package is specially designed for multinational employers seeking Global Peace of Mind® as their employees embark on their travels.
Highlights
- Comprehensive, employer-sponsored group health insurance for internationally assigned employees
- Life, dental and daily indemnity coverage
- Full group takeover and replacement provision
- COBRA and HIPAA-like options
- Enhanced benefit option for U.S.-based employers
Made for...
- Employers / Business Travelers
- Expats / Global Citizens
Coverage Information
Term Life and Accidental Death and Dismemberment Insurance
- 10 or fewer GEO Group insured employees: $10,000 minimum required
- 11 or more GEO Group insured employees: Optional - No minimum required
- Guarantee Issue amounts up to $100,000
- Additional underwriting amounts up to $100,001 - $250,000
- Group Life can be issued as a flat amount (e.g. $50,000) or multiples of salary (e.g. 2 x salary)
Group Life coverage automatically offers:
- Term Life Insurance Benefit
- Accidental Death Benefit
- Dismemberment Benefit
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
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
- Coverage for preventive services at 100%
- 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
Dental Insurance
| Schedule of Benefits | Option 1 | Option 2 | Option 3 |
|---|---|---|---|
| Class I, Diagnostic, Preventive (Emergency Palliative Treatment - not subject to deductible) | 100% | 100% | 100% |
| Class II, Basic Service (X-rays, oral surgery, extractions, endodontics, periodontics, anesthesia) | 80% | 80% | 80% |
| Class III, Major Services (Prosthodontics (bridges, partial dentures), major restorative services (crowns, inlays)) | 50% | 50% | 50% |
| Class IV Orthodontia (available to age 19 years) | 0% | 50% | 50% |
| Option 1 | Option 2 | Option 3 | |
|---|---|---|---|
| Calendar Year Maximum per Person | $1,000 | $1,000 | $1,500 |
| Individual Deductible | $50 | $50 | $50 |
| Family Deductible | $150 | $150 | $150 |
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