Organisations that compete in the international markets are increasingly faced with the challenge of delivering the same employee benefit programs to their international personnel, who spearhead their expansion into the overseas markets.

For example, Canadian organisations are one of the primary exporters of international talent, along with the U.K., France and the U.S. Estimates indicate that there are approximately 18 million working expatriates worldwide. With the inclusion of their families the number increases to approximately 30 million.

Whilst organisations make significant investments in their international expansion, uprooting employees and their families to another country, and the anxiety associated with such relocation in an unstable world, can take its toll on the people involved.

Internationally mobile employees have the same need for solid benefit programs as every other employee and, arguably, more so, given the greater exposure to health risks.

Covering risk exposures relative to international employees often falls on the corporate human resources and risk management departments, whilst the standard solutions are not designed to support such a diverse and demanding population.