Find the right policy for you
Compare our three core insurance policies
At Insurance For Group, we tailor cover to the people you protect — whether that’s yourself, your team, your organisation, or all three. Use the table below to compare our most common policy types. If you don’t see an exact fit, we’re here to create a tailored quote for you.
The Cover?
Where is Cover available?
Currency Available?
Deductible?
Sum INSURED?
What is the minimum policy term?
How is a policy PURCHASED?
What does a policy cost?
How is the premium paid?
Countries where cover is not available?
Claims Support?
Are medical care costs covered?
Who decides if medical repatriation is needed?
Does cover include being embedded and transport in a military vehicle as a passenger?
Exclusions for pre-existing conditions
The Cover?
Our individual insurance cover is specifically tailored to meet the needs of individuals who will be working outside their home country. We offer full cover in conflict areas with no excluded countries or regions worldwide.– Accidental death and disablement only in the insured person’s home country extending to include sickness and accident medical expenses in all countries in the zone selected and all lower zones.
– Emergency medical evacuation from the point of an incident to an appropriate care facility and repatriation home when necessary
– We also provide “follow you home” cover for up to three months after returning to your home country (subject to policy conditions).
Where is Cover available?
Worldwide with no exclusions, reduced cover in home countryEvery country is risk-rated into risk-graded zones. Once a policy is bought in a zone cover applies in all other countries in that and lower-risk-rated zones
Currency Available?
US Dollars ($) Deductible?
$250 for each and every sickness and accident claim Sum INSURED?
Minimum $100,000, maximum $1 million limited by a multiple of 10 of the annual income of the insured person What is the policy term?
If bought online: minimum three days, weekly thereafter. Maximum 52 weeksIf bought as part of an organisational scheme: Daily- minimum 1 day, maximum 365 days
How is a policy bought?
Immediate cover online throughinsuranceforgroup.com or through the IF App
Or, as part of an organisational scheme having registered your organisation with Insurance For Group
What does a policy cost?
From $29.70 for a week in any country in our low zone plus a $10.00 policy fee How is the premium paid?
By card if bought online, or by card/invoice for organisational schemes Countries where cover is not available?
None. We cover every area of every country with no exceptions. Claims Support?
24 hours a day, 365 days a year from our claims partner – Northcott Global Solutions (NGS) Are medical care costs covered?
Yes Who decides if medical repatriation is needed?
Doctor attending to client in discussion with claims partner Does cover include being embedded and transport in a military vehicle as a passenger?
Yes Exclusions for pre-existing conditions for sickness claims?
365 days since last consultation or treatment The Cover?
Our organisational insurance cover is designed to meet the duty of care responsibility for organisations with groups of staff visiting or working anywhere worldwide. Simple employer registration and online reporting.Available to people employed or engaged in their own country by an Employer registered with Insurance For Group You can register your organisation here
– Accidental death
– Permanent disability by an accident
Medical expenses by an accident
– Emergency medical evacuation from the point of an incident to an appropriate care facility and return to home cover when necessary
Where is Cover available?
Home country of insured individual only. Additional countries available on request
Currency Available?
US Dollars ($) Deductible?
$250 per accident claim Sum INSURED?
$100,000 to $500,000 limited by a multiple of 4 of the annual income of the insured person What is the policy term?
Minimum three days, weekly thereafterMaximum 52 weeks
How is a policy bought?
Employers arrange insurance cover for their employees after registering with Insurance For Group What does a policy cost?
From $11.00 per person per day, higher in conflict zones. plus a $10.00 policy fee How is the premium paid?
By employer within 7 working days of receipt of month-end statement – by card or invoice Countries where cover is not available?
None. We cover every area of every country with no exceptions Claims Support?
24 hours a day, 365 days a year from our claims partner – Northcott Global Solutions (NGS) Are medical care costs covered?
Yes Who decides if medical repatriation is needed?
Doctor attending to client in discussion with claims partner Does cover include being embedded and transport in a military vehicle as a passenger?
Yes Exclusions for pre-existing conditions for sickness claims?
Not applicable, no sickness cover The Cover?
Available to anybody working in their own or any other country– Accidental death and disablement in the insured person’s home country and elsewhere in the world
Where is Cover available?
Worldwide with no exclusionsEvery country is risk-rated into one of risk-graded zones. Once a policy is bought in a zone cover applies in all other countries in that and lower-risk-rated zones
Currency Available?
US Dollars ($) Deductible?
N/A Sum INSURED?
Minimum $100,000, maximum $400,000 limited by a multiple of 4 of the annual income of the insured person What is the policy term?
Minimum three days, weekly thereafterMaximum 52 weeks
How is a policy bought?
Immediate cover online throughinsuranceforgroup.com or through the IF App
Or, as part of an organisational scheme having registered your organisation with Insurance For Group
What does a policy cost?
From $11.00 per day (minimum 3 days) plus a $10.00 policy fee How is the premium paid?
By card when bought online Countries where cover is not available?
None. We cover every area of every country with no exceptions Claims Support?
24 hours a day, 365 days a year from our claims partner – Northcott Global Solutions (NGS) Are medical care costs covered?
N/A Who decides if medical repatriation is needed?
N/A Does cover include being embedded and transport in a military vehicle as a passenger?
Yes Exclusions for pre-existing conditions for sickness claims?
Not applicable, no sickness cover