Expatriate & Inpatriate Medical Insurance

SMG are the experts in Special Risk Medical Insurance, providing the strongest personnel and service capabilities in Canada in this specialized area.

Expatriate Medical Insurance
Employees of Canadian companies who work overseas for extended periods are often ineligible for medical insurance under any Canadian provincial health insurance plans, or their Employer’s group medical/hospital insurance plans.

SMG’s group expatriate medical program offers coverage for expatriate employees, and their accompanying family, from the first dollar spent. Our coverage can be tailored to include dental and vision insurance, plus war risk insurance if required. Normally we require a minimum of 10 employees to issue a group contract.

Inpatriate Medical Insurance
International students studying in Canada are generally ineligible for provincial health insurance plans, and non-Canadian employees have at least a three month waiting period to gain provincial health insurance (dependent on individual provincial policy and type of visa issued). If faced with a medical emergency during this period, medical and hospital costs can be prohibitive.

SMG’s Inpatriate Medical Insurance offers two types of medical coverage plans to non-Canadians working or studying in Canada – Base and Comprehensive plans. Accompanying spouses and children can also be covered under these plans.

SMG provides service to clients from our Regional Offices with full underwriting, policy issuance and administration capabilities.

Our customized Expatriate and Inpatriate Insurance solutions are ideal for Employer groups and Educational Institutions with international students.

Please contact our regional office closest to you for further information about Expatriate and Inpatriate Medical Insurance or any of SMG’s products.