The Global Employer's Option - GEO Group

Worldwide employer-sponsored group health insurance

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The Global Employer's Option - GEO Group
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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 customizable benefits package is specially designed for multinational employers seeking Global Peace of Mind® as their employees embark on their travels.

Highlights

  • 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
Exclusions: Pregnancy or related conditions; hospitalization which begins before the day of a scheduled surgery or procedure; spouse and children are excluded.

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 BenefitsOption 1Option 2Option 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 1Option 2Option 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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  • "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
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    Mark K. - United States

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