Challenge

While working overseas, an employee was in a serious car accident and suffered a traumatic brain injury. As the only survivor, they were taken to a public hospital in a coma. The facility couldn’t provide adequate care, so they were transferred to a private hospital that required full payment upfront—a common requirement internationally.

The employer had no business travel insurance. Their domestic carrier couldn’t make international payments, and the employee faced discharge despite being on life support. After stabilization, the employee was medically evacuated to the U.S. at the employer’s expense. The evacuation cost more than $200,000 out of pocket.

Solution

This case shows the financial and logistical risks of sending employees abroad without travel medical insurance. Domestic plans don’t cover services like emergency evacuation, international payments, or real-time coordination.

Hylant helps employers fill these gaps with customized travel insurance programs that include:

• Emergency medical evacuation and repatriation
• Direct payment to hospitals and providers
• 24/7 medical and security assistance
• Security evacuation for political unrest and natural disasters
• Help with lost passports, luggage, and delays
• Protection for dependents and extended personal travel

Whether for business or leisure, travel medical coverage should be in place before departure. With Hylant’s support, employers can protect their people, meet their duty of care obligations, and reduce financial risk wherever travel takes them.

International travel without proper coverage is a high-stakes risk. Hylant helps employers protect their workforce with comprehensive travel insurance programs that ensure timely access to care and prevent costly, avoidable losses.