Insurance that protects employees and businesses

A business trip lasting just a few days does not eliminate the risk: it is often the situation for which people are least prepared and most vulnerable. An employee traveling for a 48-hour meeting may have an accident, fall ill, or find themselves stranded due to an unforeseen local event, without knowing who to call or how their expenses will be covered.

Geodesk’s international business travel insurance covers your business travelers for the specific duration of each trip: medical expenses, 24-hour assistance, and direct payment for emergency medical care to avoid out-of-pocket expenses. Each policy takes into account not only the destination country but also transit countries, which are too often overlooked by standard coverage.

Beyond medical assistance, Geodesk supports your employees in managing any unforeseen events that may arise during business travel. Whether it’s an interruption of a business trip, a security incident, an early return for family reasons, an evacuation, or any other critical event, our teams coordinate every step of the response promptly—from the initial report through to the complete resolution of the situation. This allows you to ensure the safety of your business travel, minimize the operational impact of incidents, and fulfill your duty of care toward your employees.

An expatriate does not leave for just a few weeks: he or she settles, sometimes with his or her family, in a country where he or she is unfamiliar with either the healthcare system or the legal framework. As soon as he or she leaves the French general social security system, his or her original social security coverage no longer applies, and the employer becomes liable in the event of a breach.

Geodesk’s expatriate insurance provides comprehensive and long-term coverage: health, accident, professional and personal liability while abroad, with coverage extended to the spouse and children. Each expatriate insurance policy is tailored to the host country, the employee’s actual status, and applicable local requirements.

Geodesk also handles the gray areas that standard contracts overlook: changes in employment status during an assignment, transition periods between two assignments, and temporary returns to France. These gaps, which are often not covered elsewhere, expose both the employee and the company to risk.

The cost of hospitalization abroad is unpredictable and can reach amounts far exceeding what a French health insurance plan reimburses. In the United States, just a few days in intensive care are enough to far exceed the coverage limits of a standard policy. For example, here are the average costs of a major hospitalization (3 to 5 days with surgery, depending on the condition):

• Starting at 50K€ in the U.S.
• Starting at 25,000 euros in Singapore and Hong Kong
• Starting at 25,000 euros, in Switzerland
• Starting at 20,000 euros in the United Arab Emirates.

The coverage limits recommended by Geodesk start at 1 million outside the U.S. and Canada, and at 5 million euros or unlimited, depending on the region

Geodesk’s international health insurance guarantees access to care in the country of assignment without any upfront costs, with coverage limits based on the actual cost of local care—not on a flat-rate schedule. Our team carefully reviews the specific coverage limits for intensive care and resuscitation, as well as deductibles and waiting periods—areas where unpleasant surprises often lurk.

This coverage extends to the employee's family when the assignment requires it, and is coordinated with local insurance requirements specific to each country. The goal: to ensure that no employee goes without medical care, and that no company discovers insufficient coverage when an incident occurs.
Faced with rising healthcare costs, particularly in the United States, Canada, Singapore, and Switzerland, an insufficient coverage limit can leave companies bearing a significant portion of medical expenses. For Geodesk, this is the financial risk that HR directors and mobility managers must absolutely mitigate.

International mobility exposes companies and their employees to major risks: death, disability, inability to work, or loss of independence.
The human, legal, and financial consequences can be significantly amplified, particularly outside the European Union.
Insurance policies designed for France often provide only partial coverage for situations encountered abroad, leaving the company and employees’ families exposed to significant risks.
With Geodesk’s international insurance solution, your employees benefit from comprehensive and consistent coverage in all their countries of assignment. Coverage is tailored to the employee’s status and country of assignment: death benefits, annuities, disability and incapacity benefits adapted to the employee’s status and assignment location, long-term disability coverage, and protection tailored to expatriates, seconded employees, and employees on international assignments.
Each type of coverage is integrated with international health and social security coverage to ensure seamless protection across all arrangements.

Because international career paths evolve rapidly, Geodesk pays special attention to changes in status, which are common in international mobility: an employee on a temporary assignment who becomes an expatriate, or a volunteer who becomes an employee; long-term assignments; local hiring; or changes in contract terms.
Each transition is managed to ensure continuity of coverage.

When an employee faces a medical emergency abroad, every minute counts.
The first reaction is often uncertainty: who to call, in what language, and who makes the decisions. The true quality of international travel insurance is measured at that very moment, not in the policy terms and conditions. Companies need international travel insurance that can provide an immediate, coordinated, and multilingual response.

With Geodesk and its assistance and insurance partners, international assistance is available 24/7/365. Medical teams and emergency coordinators support employees worldwide, taking into account time zones, local constraints, and language barriers. The goal is simple: to ensure rapid response while relieving the company of the burden of crisis management.
Our responsiveness is real: during a case of typhoid in Nepal, our team intervened in less than an hour to organize the care of the employee; which demonstrates the ability to intervene quickly even in areas with high logistical complexity.
Medical repatriation is a critical coverage; the levels of coverage, conditions of intervention, and exclusions can vary considerably from one contract to another. We systematically verify and analyze the essential coverages, including medical repatriation to the country of residence or a suitable facility, repatriation of remains in the event of death, early return for serious family events, the procedures for handling these matters, and any contractual limitations.

This analysis enables companies to avoid risk areas that are often discovered... by the time it is already too late, and to protect your employees, minimize operational disruptions, and fulfill your duty of care toward your employees.

An accident during an overseas assignment involves more than just covering medical expenses. It can have significant financial consequences for the employee, their family, and the company. Many companies assume that a work-related accident occurring abroad will be handled the same way as in France, which is rarely the case outside the European Union.

Geodesk’s individual accident coverage supplements health insurance by providing lump-sum benefits in the event of bodily injury, permanent disability, or death, regardless of medical reimbursement. This coverage protects the employee and their loved ones and limits the employer’s liability exposure.

We tailor this coverage to each employee’s profile, based on the risks associated with the country, the line of work, and the duration of the assignment: a consultant on a one-time business trip, an employee at an industrial site, and a staff member sent to a high-risk area do not face the same risks or have the same compensation needs.

An international business trip can be interrupted at any time by an unforeseen event: a family emergency, a deteriorating security situation, a natural disaster, or an unstable geopolitical context. In these situations, every hour counts, and organizing a rapid return can represent a major challenge for companies.

Geodesk's Early Return Guarantee covers the organization and costs of your employee's non-medical repatriation when circumstances require their immediate return. It is activated through the same 24/7 support platform, eliminating the need for your HR teams to improvise a solution from France.

This guarantee is part of our proactive approach to anticipating and managing risks related to international mobility.
Our team remains constantly monitoring global geopolitical, health and security news and developments in mission areas, in order to trigger an early return before the situation becomes unmanageable.