{
  "id": "term-expatriate-insurance",
  "type": "term",
  "languages": {
    "en": {
      "id": "term-expatriate-insurance",
      "lang": "en",
      "type": "term",
      "title": "Expatriate Insurance",
      "shortDefinition": "Expatriate insurance is the protection of employees who work outside their home country for an extended but temporary period, combining international health, accident, assistance and life cover; it distinguishes between classic assignees, local-plus contracts and third-country nationals.",
      "synonyms": [
        "Expat Insurance",
        "Assignee Insurance",
        "Entsandtenversicherung",
        "International Assignment Insurance"
      ],
      "linesOfBusiness": [
        "Health"
      ],
      "jurisdictions": [
        "Global",
        "CH",
        "DE",
        "EU"
      ],
      "tags": [
        "ipmi",
        "Expatriates",
        "Employee Benefits",
        "Posting"
      ],
      "relations": {
        "relatedTerms": [
          "cov-international-private-medical-insurance",
          "term-sozialversicherungsunterstellung-entsendung",
          "term-area-of-cover",
          "cov-business-travel-accident",
          "term-cross-border-business",
          "term-medical-evacuation-repatriation"
        ],
        "partOf": [
          "cov-international-private-medical-insurance"
        ],
        "appliesTo": [],
        "regulatedBy": [
          "reg-vo-883-2004"
        ],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": null,
      "legalBasis": [
        "EU: Art. 12(1) (posting up to 24 months)"
      ],
      "standards": [],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.1.0",
      "updated": "2026-09-02",
      "generated": {
        "by": "process:reconstructed",
        "at": "2026-09-02T00:00:00.000Z"
      },
      "verified": [
        {
          "by": "human:ghesse",
          "at": "2026-09-04T00:00:00.000Z",
          "method": null
        }
      ],
      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/en/knowledge/term/expatriate-insurance/",
      "alternateUrl": "https://hgh.ch/lexikon/de/wissen/begriff/expatriate-versicherung/",
      "body": "## Concept\n\nExpatriates are employees who temporarily move their habitual residence to another country without becoming permanently resident there. For insurance purposes the distinction from business travel is decisive: market practice treats a stay of around 180 days per year abroad as an assignment rather than a trip; beyond that point business travel cover no longer responds and international private medical insurance (IPMI) becomes necessary. IPMI wordings in turn tie cover to expatriate status – for example, the Cigna Global policy rules limit treatment in the country of nationality to 180 days per policy year and reserve the right to terminate if the beneficiary ceases to be an expatriate.\n\n## Variants\n\nThe classic assignee remains on the home-country contract and in the home social security system and receives an assignment package (IPMI, accident, life, assistance). Under the local-plus model the person is employed locally but receives supplementary international benefits, in particular IPMI. Third-country nationals work in a country that is neither their home country nor the group's headquarters country, so social security agreements are often absent and private cover is the only protection. Further groups include rotational staff, cross-border commuters and accompanying family members, who can be included as dependants under most wordings.\n\n## Practical Note\n\nThe insurance solution must be aligned with the social security position: within the EU/EFTA, posted workers remain in the home system for up to 24 months under Art. 12 of Regulation (EC) No 883/2004, making IPMI a supplement rather than a replacement. Outside the treaty area, or once the home affiliation lapses, IPMI becomes the primary cover. Employers should also regulate home leave, return and transition periods so that no gap arises between assignment and home-country cover."
    },
    "de": {
      "id": "term-expatriate-insurance",
      "lang": "de",
      "type": "term",
      "title": "Expatriate-Versicherung (Entsandtenversicherung)",
      "shortDefinition": "Die Expatriate-Versicherung ist die Absicherung von Mitarbeitenden, die für einen längeren, aber befristeten Zeitraum ausserhalb ihres Heimatlandes arbeiten, mit internationaler Kranken-, Unfall-, Assistance- und Lebensversicherung; sie unterscheidet zwischen klassischen Entsandten, Local-Plus-Verträgen und Third-Country Nationals.",
      "synonyms": [
        "Entsandtenversicherung",
        "Expat-Versicherung",
        "Expatriate Insurance",
        "Auslandsentsendung Versicherung"
      ],
      "linesOfBusiness": [
        "Kranken"
      ],
      "jurisdictions": [
        "Global",
        "CH",
        "DE",
        "EU"
      ],
      "tags": [
        "ipmi",
        "Expatriates",
        "Employee Benefits",
        "Entsendung"
      ],
      "relations": {
        "relatedTerms": [
          "cov-international-private-medical-insurance",
          "term-sozialversicherungsunterstellung-entsendung",
          "term-area-of-cover",
          "cov-business-travel-accident",
          "term-cross-border-business",
          "term-medical-evacuation-repatriation"
        ],
        "partOf": [
          "cov-international-private-medical-insurance"
        ],
        "appliesTo": [],
        "regulatedBy": [
          "reg-vo-883-2004"
        ],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": null,
      "legalBasis": [
        "EU: Art. 12 Abs. 1 (Entsendung bis 24 Monate)"
      ],
      "standards": [],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.1.0",
      "updated": "2026-09-02",
      "generated": {
        "by": "process:reconstructed",
        "at": "2026-09-02T00:00:00.000Z"
      },
      "verified": [
        {
          "by": "human:ghesse",
          "at": "2026-09-04T00:00:00.000Z",
          "method": null
        }
      ],
      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/de/wissen/begriff/expatriate-versicherung/",
      "alternateUrl": "https://hgh.ch/lexikon/en/knowledge/term/expatriate-insurance/",
      "body": "## Konzept\n\nAls Expatriates gelten Mitarbeitende, die ihren gewöhnlichen Aufenthalt vorübergehend in ein anderes Land verlegen, ohne dort dauerhaft ansässig zu werden. Versicherungstechnisch ist die Abgrenzung zur Dienstreise entscheidend: Marktüblich wird ab rund 180 Tagen Auslandsaufenthalt pro Jahr nicht mehr von einer Reise, sondern von einer Entsendung gesprochen; ab diesem Punkt greift die Business-Travel-Deckung nicht mehr, und eine internationale Krankenvollversicherung (IPMI) wird nötig. IPMI-Wordings knüpfen den Versicherungsschutz ihrerseits an den Expatriate-Status – beispielsweise begrenzen die Cigna-Global-Policenregeln Behandlungen im Land der Staatsangehörigkeit auf 180 Tage pro Versicherungsjahr und behalten sich die Kündigung vor, wenn der Expatriate-Status entfällt.\n\n## Varianten\n\nDer klassische Entsandte bleibt im Heimatvertrag und Heimatsozialversicherungssystem und erhält ein Auslandspaket (IPMI, Unfall, Leben, Assistance). Beim Local-Plus-Modell wird die Person lokal angestellt, erhält aber ergänzende internationale Leistungen, insbesondere IPMI. Third-Country Nationals arbeiten in einem Land, das weder Heimat- noch Konzernsitzland ist, wodurch Sozialversicherungsabkommen häufig fehlen und die private Deckung die einzige Absicherung bildet. Weitere Gruppen sind Rotationskräfte, Grenzgänger und mitreisende Familienangehörige, die in den meisten Wordings als Dependants mitversichert werden können.\n\n## Praxishinweis\n\nDie Versicherungslösung muss mit der Sozialversicherungsunterstellung verzahnt werden: Innerhalb der EU/EFTA bleiben Entsandte nach Art. 12 VO (EG) 883/2004 bis 24 Monate im Herkunftssystem, was IPMI zur Ergänzung und nicht zum Ersatz macht. Ausserhalb des Abkommensraums oder bei Wegfall der Unterstellung wird IPMI zur Primärdeckung. Arbeitgeber sollten zudem Heimaturlaube, Rückkehr und Übergangsfristen regeln, damit keine Deckungslücke zwischen Entsendungs- und Heimatversicherung entsteht."
    }
  }
}