Horizons Health: Global Health Insurance Your Global Teams can Count On
Horizons offers comprehensive international health insurance for all employees worldwide at an unbeatable price. By utilizing the “benefits of scale”, Horizons is able to negotiate excellent benefits packages for our clients and their employees.
When you hire employees using Horizons’ PEO / EOR service, they can be added to the plan. Pricing for our international health insurance is simple and transparent, and employees may use their insurance no matter where they are in the world. This means that during business trips, visits to the head office, or in their personal travels, your employees can enjoy high-quality, affordable international health insurance. See pricing below for Horizons international health insurance.
Why Horizons Health?
Horizons Health, by offering financial and wellness protection to your employees, adds an affordable incentive for employees to join and remain with your company. See the benefits of our international health insurance below.
One Global Health Plan
With employees across major international markets, you no longer have to work with multiple providers when expanding into multiple country. Budget easily with standardized international health insurance fees.
Premium Customer Service
24/7 customer service, phone assistance for arranging hospital visits, and extremely fast claims handling times.
Standard Coverage
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Emergency and in-patient care
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Preventative and outpatient care
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$0 deductible
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Travel insurance to 180+ countries
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Online platform to file claims
Horizons Health has them covered.
Premium Coverage
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Emergency and in-patient care
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Preventative and outpatient care
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$0 deductible
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Travel insurance to 180+ countries
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Dental
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Vision
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Screenings and vaccines
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Dependent coverage
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Online platform to file claims
global healthcare plans available on the market..
Simple, Low Pricing
Since Horizons pools all global employees under one plan, you get one low price. You can add any employee or contractor at your discretion.
Any Hospital, Globally
Use Horizons Health international health insurance at any private or public hospital, or doctor, in the world - no matter where you live or travel. Benefit from direct billing in most cases.
Estimate your Horizons Health monthly costs in USD
| Age | Standard | Premium |
|---|---|---|
| 0 – 17 | $ 50 | $ 80 |
| 18 – 39 | $ 80 | $ 125 |
| 40 – 49 | $ 120 | $ 190 |
| 50 – 59 | $ 190 | $ 300 |
| 60 – 74 | $ 350 | $ 550 |
Frequently Asked Questions (FAQ)
Coverage
- Canada (short trips permitted)
- the United States (short trips permitted)
- Abu Dhabi
- American Samoa
- Belarus
- Iran
- North Korea
- Puerto Rico
- Syria
- United Arab Emirates
- Cuba
- Democratic Republic of Congo
- Saudi Arabia
- Somalia
- US Guam
- South Sudan
- US Virgin Islands
- Zimbabwe
- Sudan
We offer comprehensive local insurance options for Canada and the United States.
If you’re interested in covering your employees hired by Horizons in Canada or the US, please contact our benefits team: [email protected]
Yes, pre-existing conditions are always covered by Horizons Health, no questions asked.
There is no mandatory pre-existing conditions check before the policy begins.
- Dental
- Vision
- Maternity
- Standard Screenings & Vaccines
- Outpatient (i.e. non-hospital visits)
- US/HK/SG coverage
Yes, Horizons Health is still useful international health insurance, no matter what sort of health system your country of residence has.
(i) In countries with public systems (for example: the UK, Norway, Germany)
- Visit any private hospital for the best and quickest service. Skipping lines means getting healthy faster and returning to work quicker.
- If your hospital treatment is covered by your public healthcare system, your receive a $250 cash bonus per night you’re in a public hospital in your home country.
- Access treatments that are typically not provided by standard public healthcare, for example the latest available cancer treatment regimens.
- Use this coverage wherever you live, move, or work so you if you are a nomad or traveling you don’t need another insurance to cover your health.
(ii) In countries without public systems (for example: Vietnam)
You can get coverage at the best hospitals in your country of residence or nearly any other country in the world. Without it you would pay out of pocket for any medical care.
Yes. To add a newborn as an Insurance Dependent on your Horizons Health scheme, we will need to receive a copy of the newborns birth certificate within the first 90 days of birth.
After the deadline for adding a newborn passes, you may still attempt to add your child by submitting an application for dependent addition.
Yes, there are two ways to add dependents or family members to your insurance plan.
(1) Add your dependent/family member during your initial application process
OR
(2) As life changes occur (marriage, childbirth, or adoption), submit an application for dependent addition. Your application will be quickly processed.
The Horizons repatriation benefit will allow non-citizen residents to be flown to their countries for medical treatment in cases where local care is not adequate. In unfortunate cases of death, remains can also be repatriated using Horizons Health.
Treatment & Claims
You can seek treatment at any doctor or hospital in the world and be covered by Horizons’ international health insurance, as long as you are seeking treatment for an eligible medical condition covered in your plan.
Horizons will pay for the employee on your behalf and then invoice you monthly.
Billing is a combination of direct billing and reimbursement.
Most of the time direct billing is possible, but in rare cases where direct billing is not possible, there is a claims & reimbursement process. Reimbursement can be expected within 20 business days of the claim being made.
Costs of the Plan
Pricing is extremely simple and only depends on the age of the person and type of plan (either standard or premium) selected.
For many employees (aged 18-39), cost for the standard plan is $80 per month, and cost for the premium plan is $125 per month.
For employees aged 40-49, the prices are $120 per month and $190 per month, respectively.
Yes, this is possible.
It is possible for the employee to pay for their own Horizons Health international health insurance policy.
In other cases, an employer might be able to offer only the standard plan, but an employee may require the premium plan. In such cases, it is possible for the employee to pay the difference between the plans out of their own pocket.
In cases where our clients may want to explore options similar to this, we encourage you to discuss with us directly and early in the project to confirm if your preferences are both compliant according to local regulations, and standard practice according to the culture in which you are hiring. Our local experts will be able to help guide your decision so you can maintain a balance of costs and employee value proposition.
