UnitedHealth International^SM brings the strength of UnitedHealth Group^® to all your different international employees and retirees wherever they live or work.
 
Expatriates & Business Travelers
American citizens of US-based companies that travel to, or work in, operations abroad, are classified as “expatriates” or “third-country nationals.” They can access benefits from one source – Global Choice^® – a partnership solution with BUPA^® International, dedicated solely to the needs of expatriates and has over eight million members in 190 countries.

Global Choice offers employees a comprehensive health plan, with support 24/7, no matter where they live, work, or seek care. Fully insured, self-funded (ASO) or hybrid (“Cost Plus”) plans are available with benefits for emergency, elective, inpatient, and outpatient care.

Local Nationals
Today’s multinational corporations may have several types of international associates, including “local nationals”: employees of a US-based firm who are citizens of the countries where they live and work. In partnership with Generali^®, one of the world’s largest insurance companies, we offer employers customized benefit plans that address the unique issues that local nationals face with regard to health care.

Generali has more than 175 years of experience and is ranked 30th on the Fortune Global 500.  Significantly, Generali has an expansive network of more than 110 insurers operating in 70 nations. Each Generali network partner specializes in the local market practices and governances affecting employee benefit plans in the country where it’s located.  No matter how many locations your company may have, you’ll have the right source for tailoring all of your health benefits for your global operation. Multinational pooling is often the appropriate solution to spread risk, lower costs and consolidate information and control over global benefits worldwide.

Advantages of Multinational Pooling
With more than 200 tailor-made multinational pooling arrangements created on behalf of some of the world’s largest multinationals, Generali is a worldwide leader in multinational pooling.

Using the financial principle of spreading risk, Generali takes all of your insurance contracts and places them into one international portfolio or pool, specific to your company.  Generali arrives at an overall experience balance for your portfolio by combing the losses of one location against the gains of another.  The advantages:

1. Potential reduction in your firm’s administrative expenses and risk charges
2. Consolidation and Information

US Networks for International Employees or Travelers
UnitedHealth Access^®
UnitedHealth Access brings the strength of the UnitedHealthcare^® network to the international community. We combine superior network savings with efficient claim management, care coordination, and access to specialty networks (transplant, specialized disease management) for a complete US healthcare management solution.