Employee Health Benefits Checklist & Timeline
Providing health benefits is a crucial part of attracting and retaining top international talent. For expatriates, clear and reliable medical coverage can make the difference between accepting an assignment and declining it. To help HR teams and business leaders, here’s a step-by-step checklist and timeline for setting up employee health benefits.
3–6 Months Before Policy Start
Assess Needs: Review the demographics of your workforce (age ranges, family status, locations).
Benchmark Plans: Compare industry standards and competitor offerings.
Consult a Broker: Engage an advisor like ExpatFinder to review insurer options and negotiate group pricing.
2–3 Months Before Policy Start
Select Coverage Tiers: Decide between Essential, Standard, or Comprehensive group medical tiers.
Define Employer Contribution: Clarify what percentage of premiums the company covers versus employees.
Plan for Add-Ons: Consider dental, maternity, or wellness packages if relevant to staff needs.
1–2 Months Before Policy Start
Confirm Enrollment Data: Collect employee details and dependent information.
Issue Communication Pack: Share plan highlights, FAQs, and claim instructions with staff.
Pre-Approval Networks: Ensure clinics and hospitals used by employees are included in direct billing networks.
Policy Start Date
Distribute Membership Cards: Employees should receive insurer cards or e-cards for cashless access.
Launch Helpdesk: Provide a point of contact for employees to ask questions during the first weeks.
Hold Orientation Session: A short briefing builds confidence and reduces HR workload.
Ongoing (Post-Launch)
Monitor Claims Data: Regularly review usage patterns and costs.
Employee Feedback: Survey staff satisfaction with coverage and provider networks.
Renewal Prep: Start the next cycle 3–4 months before renewal to adjust benefits and negotiate better terms.
Tip for Employers: A clear rollout timeline not only ensures compliance but also demonstrates commitment to employee well-being—key for building loyalty among expat teams.
