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Glossary
International programmes

Expatriates

Employees sent to another country for an extended period, with health, accident, and assistance needs different from those of business travel.

In practice

The European health card and travel policy fall short beyond a few weeks. An expatriate programme resolves continuity of care, repatriation, and cover for the displaced family.

Where it is addressed

This term is covered in Personas y plantilla and applies when taking out Seguro de salud colectivo.

Related terms

Business travelCover for assistance, accidents and liability for the professional travel of the staff.Collective healthHealth assistance policy contracted by the company for its staff, with negotiated conditions for the group.Collective agreement accidentsAccident insurance that many collective agreements require to be contracted for the entire workforce, with sums insured set in the agreement itself.Cash before coverRule in force in several countries whereby cover does not commence until the premium has been effectively paid.DIC clauseClause of the master policy that covers the guarantees not included in the local policy, elevating the subsidiary to the group's standard.DIC ClauseClause of the master policy that completes the indemnity when the limit of the local policy is exhausted before the group's standard.
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