The international benefits market consists of both individual and group products for a host of needs. Individual policies include travel medical policies, major medical policies, accidental death and dismemberment policies, and term life plans. International group benefit plans are comprised of employer-sponsored health plans for U.S.-based organizations with employees overseas, including expatriates, third country nationals, or local nationals.

Individual policies can be broken out into two categories: short- and long-term needs. Short-term plans are typically sold to people traveling internationally.

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