Insurance solutions for H2B Programs

H2B participants often spend extended periods abroad working in structured seasonal employment environments such as hospitality, tourism, and service industries.

Their insurance should provide reliable everyday healthcare access while helping participants navigate medical care efficiently and cost-effectively throughout their stay abroad.
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Supporting Your Program Responsibilities

What matters most in H2B Programs?

H2B participants usually live and work in urban areas where tourism, vacationing, and leisure activities dominate the area and lifestyle. These participants should always have plenty of access to local healthcare resources, transportation, and employer-supported infrastructure. Insurance should provide dependable healthcare access while encouraging practical and cost-effective use of medical services — including telemedicine, urgent care, and provider network solutions.

Healthcare Access

Participants need reliable access to routine and non-emergency medical care throughout their stay abroad. Coverage should support physician visits, urgent care access, and everyday healthcare needs.

Cost Management

Healthcare solutions should remain practical and manageable for both organizations and participants.
Flexible deductibles and copay structures can help encourage appropriate healthcare usage.

Network Access

Fast access to care is essential in seasonal work environments. Broad provider networks and telemedicine services help participants receive care efficiently and avoid unnecessary emergency room visits.

Beyond Work

Participants also engage in daily life and recreational activities outside their work responsibilities. Insurance should support participants during transportation, free time, and everyday experiences abroad.

Recommended coverage Structure

How a H2B insurance solution
can be structured

This sample overview is designed to show the general structure of a possible solution.
Final benefits and included components will be adjusted based on your organization, destination, and participant profile.

Medical Coverage Highlights

  • Overall policy maximum between $100,000 to $500,000 available as per Illness per Injury
  • Deductibles, copayments, and coinsurance designed to stay as low as reasonably possible
  • Emergency treatment of pre-existing conditions limited benefit available
  • Emergency Room Care available and education provided as to when it should be used
  • Urgent Care, Walk-In Clinic, and Telemedicine options must be affordable, easy to access, and encouraged when appropriate
  • Hospital treatment and ancillary charges
  • Physician services (office and hospital visits)
  • Prescription Drugs
  • Ambulance Transportation

Exclusions Options

  • Exclusions should be reviewed and customized based on work environment and participant activities.
  • Coverage for recreational activities may require adjustment depending on program structure.
  • Pre-existing conditions should be reviewed based on participant profile and program duration.
  • Certain occupational or higher-risk activities may require customized coverage solutions.
  • Exclusion for Routine and Preventive care should be carefully reviewed and customized to a limited benefit, if desired

Emergency Assistance Services

  • 24/7 Multilingual emergency medical assistance and support
  • Medical Evacuation and Repatriation
  • Repatriation of Mortal Remains
  • Compassionate Emergency Visit and Bedside Visit 

Additional Benefits

  • Mental Health & Wellness Program access (crisis care)
  • Telemedicine access
  • PPO network providing direct billing for participants

Optional Add-ons

  • Liability Coverage
  • Baggage Coverage
  • Telemedicine, Teletherapy, Teledentistry buy-up available
  • Online Pharmacy Discount program
  • Trip Interruption / Trip Delay / Trip Cancellation
  • Legal Advice
  • Emergency Bail Bond
  • Lost Documents and Emergency Cash Assistance

Program Support and Access

  • Dedicated Account Manager to advocate for and assist H2B workers
  • Digital access to policy, ID card and other documents
  • Claims support and guidance
  • Education and guidance to help participants understand when to file claims under Worker’s Compensation
  • Educational resources for participants and organizations

This sample structure is based on our experience with H2B programs. Final coverage, benefits, and limits are always tailored to your specific program requirements, destination, and participant profile, and insurance carrier and claims administrator.

Let’s design the right coverage for your program

Tell us about your program, and we’ll guide you through the next steps.
Whether you already have specific requirements or just want to explore options — we’re here to help.

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