Intern & Trainee programs

Insurance solutions for Intern & Trainee programs

Your interns and trainees live and work abroad for longer, with real professional responsibility. Their coverage should support them reliably, month after month.

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Illustration of a mentor and an intern working together at a laptop
Built for longer staysLiving and working abroad

Your responsibilities

What matters most in Intern & Trainee programs

Longer stays, more independence and professional responsibility in a new environment. Your coverage should offer dependable long-term support.

  • 01Long-term healthcareReliable coverage for extended stays, including ongoing and preventive care.
  • 02Mental health supportAccess to mental health and wellbeing resources while adapting to a new country and job.
  • 03Pre-existing conditionsBenefits for pre-existing conditions, carefully reviewed and customized where possible.
  • 04Global assistanceLegal assistance, evacuation benefits and lost document support for the unexpected.

Sample plan

How an Intern & Trainee solution can be structured

An overview of a typical structure, based on our experience with Intern & Trainee programs.

Final coverage, benefits and limits are always tailored to your program requirements, destination, participant profile, insurance carrier and claims administrator.

Medical coverage highlights10
  • Overall policy maximum between $100,000 and $2,000,000, available per illness or per injury
  • Deductibles, copayments and coinsurance kept as low as reasonably possible
  • Emergency room care, with education on when it should be used (U.S. programs)
  • Affordable, easy-to-access urgent care, walk-in clinic and telemedicine options (U.S. programs)
  • Hospital treatment and ancillary charges
  • Physician services (office and hospital visits)
  • Physiotherapy
  • Prescription drugs
  • Ambulance transportation
  • Emergency treatment of pre-existing conditions (optional)
Exclusion options8
  • Standard exclusions applicable to the population, with the ability to customize
  • Exclusions reviewed and adjusted to the specific program activities and work environment
  • Exclusions for recreational and off-road vehicles, often customized depending on the modes of transportation used where participants live
  • Exclusions for sports and hazardous activities, carefully reviewed and customized if necessary
  • Exclusions for mental health, often changed to a limited benefit for outpatient and inpatient care
  • Exclusions for pre-existing conditions, carefully reviewed and customized if necessary
  • Exclusions for STDs and common skin disorders, carefully reviewed and customized if necessary
  • Exclusions for routine and preventive care, carefully reviewed and customized to a limited benefit if desired
Emergency assistance services5
  • 24/7 multilingual emergency medical assistance and support
  • Medical evacuation and repatriation
  • Repatriation of mortal remains
  • Compassionate emergency visit (round trip home and back in case of a death or life-threatening condition of an immediate family member)
  • Bedside (family reunion) benefit: round-trip ticket plus meals and lodging for one family member if a participant is hospitalized for a certain number of days
Additional benefits4
  • Mental health and wellness program access, including crisis care (U.S. programs)
  • Telemedicine access
  • PPO network with direct billing for participants hosted in the U.S.
  • Claims administrator support in arranging direct payment for participants hosted outside the U.S., when necessary
Optional add-ons12
  • Liability coverage
  • Baggage coverage
  • Telemedicine, teletherapy and teledentistry buy-up (U.S. programs)
  • Online pharmacy discount program (U.S. programs)
  • Trip interruption, trip delay and trip cancellation
  • Legal advice
  • Emergency bail bond
  • Lost documents and emergency cash assistance
  • Terrorism coverage
  • Search and rescue
  • Political, security and natural disaster evacuation
  • Kidnap consultant fees
Program support and access5
  • Dedicated account manager to advocate for and assist interns and trainees
  • Digital access to policy, ID card and other documents
  • Claims support and guidance
  • Guidance on when to file claims under workers’ compensation (U.S. programs)
  • Educational resources for participants and organizations

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 requirements or just want to explore options.

Request your customized plan or contact us