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 Global Benefit Solutions  Areté's global benefits consultants can assists your international benefits management team with clear and concise explanation of national plan coverages and mandates from over 30 countries.
Our global benefits consultants provide international employee benefits consulting and brokerage services for expatriate employee medical insurance plans, third country national (TCN) medical insurance plans, global business travel accident insurance, and international group life and disability insurance.
Areté manages the process of selection, implementation and oversight of the most competitive, cost effective group and individual insured employee benefits programs. We design plans that meet the needs of both evolving and established multinational organizations and their employees.
Global Consulting Services
- Strategic benefit planning
- Global benefit strategies and programs
- Multinational risk pools and pooling
- Local country and expatriate programs
- Competitive employee benefit evaluation
- Benefit plan design, analysis and support
- RFP preparation and market vendor identification
- Benefit proposal analysis and carrier selection
- Benefit plan transition and implementation
- Employee benefits contract document analysis
- International business travel accident insurance
- International benefit contract renewal negotiation
- Employee communications programs
Expatriate & Third Country National Medical Insurance
 Expatriate employee assignments abroad and to third countries, often including dependents in the foreign assignment, reliance on home country medical plans leave the assignees with no resources for selection of doctors and hospitals, directly paying extensive medical bills, and leaving the company to pay extremely expensive medical evacuation and repatriation costs. Our wide range of international expatriate medical insurance products provides:
- Multinational individual and group expatriate insurance
- International expatriate employee and dependent insurance
- Replication of home country benefit levels
- Worldwide 24 hour toll free access to coverage and providers
- Extensive on-line employee friendly resources
- Direct hospital claim payment
- Hospitalization, doctor visit, prescription and dental insurance
- Medical evacuation insurance and services
International Business Travel Accident
 For short term travel and medium term employee assignments abroad and to third countries, our range of business travel accident (BTA) products provides:
- Blanket BTA insurance coverage without individual enrollment
- International employee and dependent BTA coverage
- Up To 180 days of coverage per business trip
- Worldwide 24 hour toll free and online access
- Extensive trip security and detailed host country information
- Direct hospital and doctor claim payment insurance
- Hospitalization, doctor visit, prescription and dental insurance
- Medical evacuation and repatriation insurance and services
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