Corporate solution · Partner Hallesche health insurance (ALH Group)
International Employee Health Insurance
International employee health insurance covers expats, inpats, business travel and workation – with worldwide coverage and support for your employer's duty of care.
- Expats
- Inpats
- Business travel
- Workation
Free consultation for HR, people teams and management
Who is international employee health insurance suitable for?
Internationale Mitarbeitereinsätze betreffen unterschiedliche Zielgruppen – von der Entsendung ins Ausland bis zu internationalen Fachkräften in Deutschland, weltweiten Business travel, Remote Work, Workation und internationalen Projektteams.
- Expats – employees abroad
- Inpats – international employees in Germany
- Business travel weltweit
- Workation & remote work
Employer obligations & risks without suitable health insurance
For companies with international teams, the employer's duty of care for overseas assignments is the key lever – international employee health insurance fulfils this responsibility in a structured way. Hallesche explicitly highlights duty of care under Section 17 SGB V and employer responsibility for overseas deployments.
01 Employer's duty of care for overseas assignments
For postings, inpats and international assignments, employers have a special responsibility for employees' healthcare. Under Section 17 SGB V, duty of care also applies during stays abroad – suitable international employee health insurance helps companies meet this obligation and gives HR and management legal certainty.
02 Risks without adequate cover
Without a structured solution, gaps appear: travel health insurance alone often does not cover long stays; high treatment costs abroad burden employees and companies; and in an emergency, assistance or medically appropriate repatriation may be missing. That creates financial, legal and reputational risks.
03 Day-to-day requirements: posting, inpat, business travel, workation
Jedes Einsatzmodell stellt andere Anforderungen: Entsendete brauchen dauerhaften weltweiten Schutz, Inpats eine Lösung in Deutschland, Business travelde flexible Kurzzeitschutz-Konzepte, Workation-Modelle klare Regeln für Length of stay und Geltungsbereich. Eine durchdachte Mitarbeiterversicherung bündelt diese Szenarien.
Benefits of international employee health insurance
Together with our partner Hallesche health insurance (ALH Group), we offer powerful international employee health insurance plans – with worldwide cover, assistance, 24-hour emergency hotline, telemedicine and digital admin portals.
Worldwide cover
Strong international employee health insurance with worldwide cover – tailored to postings, inpats, business travel and international project teams.
Assistance & 24h hotline
Medical assistance services and 24-hour emergency centres support employees abroad when fast help and clear contacts matter.
Telemedicine & digital portals
Telemedicine and digital admin portals make it easier to support many employees – transparent for HR and straightforward for staff on the move.
Meet duty of care
These plans help companies meet their duty of care and protect employees worldwide. SpreeFinanz analyses your needs and develops a suitable concept.
Enquiry: international employee health insurance
SPREEFINANZ – international employee health insurance enquiry
Intake form for corporate clients · expats · inpats · business travel · workation
FAQ on international employee health insurance
Answers for HR, people teams and management on international employee health insurance – short and clear.
What is international employee health insurance?
International employee health insurance is employer-sponsored cover for staff with international assignments – from postings (expats) and inpats in Germany to business travel and workation. It goes beyond simple travel health insurance and supports the employer's duty of care.
Which employee groups is the solution suitable for?
For expats abroad, international specialists in Germany (inpats), global business travellers, workation and remote-work models, and international project teams. Scope is tailored to target group, countries and length of stay.
Is travel health insurance enough for postings?
For short business trips, travel health insurance may be enough. For longer postings, inpats or workation, companies usually need permanent international employee health insurance with broader benefits and clear employer responsibility.
What role does Hallesche health insurance play?
SpreeFinanz works with Hallesche health insurance (ALH Group). Plans offer worldwide cover, assistance, a 24-hour hotline, telemedicine and digital administration – and support meeting duty of care under Section 17 SGB V.
How does the free consultation work?
You complete the intake form or book a free consultation. We analyse your needs (deployment types, countries, headcount) and develop a suitable, non-binding cover concept for your international employees together.
What does duty of care mean for overseas assignments?
Employers must protect employees' health – including during stays abroad. Structured international employee health insurance helps meet this responsibility so staff are not left facing high costs or unclear benefits in an emergency.
Contact & free consultation
Would you like to discuss international employee health insurance for your company? Call us, send an email or use the intake form – we will get back to you with a clear assessment.
+49 151 28937141 · Buero@spreefinanz.de · Book a free online consultation