Global health benefits, built into your platform

We can support members in 175+ countries. This makes it especially useful for platforms that serve distributed teams, contractors, freelancers, and clients operating across multiple markets.

Instead of managing a different healthcare solution in every country, partners can offer one consistent plan structure across many geographies, making it easier to scale benefits as their user base grows.

Our plans are designed for borderless teams and global platforms. It gives partners a more consistent healthcare offering across countries, while still giving members flexibility to access care locally through doctors, clinics, and hospitals. 

Local health insurance is usually designed for one country, one employment model, and one regulatory environment. That can work well for traditional employers operating in a single market, but it becomes harder to manage when a platform serves users across dozens of countries, employment types, and client segments.

We connect directly with your platform to automate everything: instant activations, reporting, and signups, in about two weeks.

We take a proactive approach to you and your clients’ benefits strategy. By offering everyone one great plan, you can ensure equality across your entire team. 

Our members also have the freedom to choose their care.We often hear that access to private care is a game changer, as they can now access top hospitals, get access to treatments not previously available, or have the freedom to choose their doctors, often resulting in them getting faster and/or better treatments. 

With local plans, it is impossible for everyone to get the same coverage, leaving some talent feeling they don’t have as nice of a program as others. It often leads to a reactive benefits strategy.

Yes. Our plans are built for global, distributed, and non-traditional workforces, including contractors, freelancers, employees, and other talent on your platform.

That makes it especially useful for platforms that serve people who may not fit neatly into a traditional employer-sponsored benefits model but still want access to reliable healthcare coverage.

Members can use their plan at any hospital or clinic, including public and private providers. Coverage is not built around a narrow local provider network, which gives members more freedom to choose where they receive care.

Members can also use their pre-charged SafetyWing debit card to pay for care directly, which helps avoid out-of-pocket expenses. For larger medical expenses, members can also contact our support team to arrange direct billing with the hospital.

We built a custom plan that works exactly the same in 175 countries, which makes scaling your benefits program seamless. We design our plans specifically to support many types of workers, clients, and country combinations. Once you sign up, you get instant access to all of the countries we cover. 

This also means partners can make healthcare available without creating a traditional employer relationship, managing separate vendors in each country, or adding significant manual administration for their internal teams.

Have a client with 3 people in Mexico? Adding a new client with 10 people in China? Newest sign up adds 1 person in Egypt? Cover them all instantly and directly in your platform.

SafetyWing’s vision is to create a global social safety net so that opportunity and freedom aren’t determined by where you live or work. We want a future where everyone can access a safety net regardless of where they were born. 

It’s important to us that the information we provide about our coverage and benefits is clear and transparent. You can find these details in our policy terms, Certificates of Coverage, and this FAQ. If you have any further questions, please don’t hesitate to reach out via our 24/7 live chat in the bottom right hand corner of this page.

SafetyWing is licensed as an international insurer but also works with other regulated insurance carriers and licensed partners to make coverage available internationally. Our structure allows us to provide coverage to globally mobile individuals and distributed companies while operating within applicable regulatory frameworks.

Simply speaking, it means that SafetyWing is a recognized international insurer and can provide coverage for you in 180+ countries.

The insurance coverage is provided by regulated and licensed underwriting entities. The underwriting entity for each product is clearly disclosed in the policy terms and in the Certificate of Coverage issued to our members.

For example:

• SafetyWing Insurance I.I. is a Puerto Rico-domiciled international insurer (Classes 3 & 5) 

• Certain health benefits are underwritten by VUMI®, a Puerto Rico-domiciled international insurer, administered by VIP Administration Services LLC, and offered in partnership with SafetyWing

You can see more details on Puerto Rico’s Department of State website.

All that said, SafetyWing handles all aspects of product design and customer service and support ourselves.

Puerto Rico provides a regulatory framework for international insurers so that, with our partner carriers, SafetyWing Insurance I.I. is able to offer insurance designed for people who live, work, and travel across borders.  

A licensed insurance company is financially responsible for the policy it underwrites and the claims covered under it. The underwriting insurer is the entity that ultimately bears the insurance risk.

Claims are reviewed based on the policy terms. What’s covered depends on the plan you choose and whether you meet the policy requirements, which are laid out in your policy document. 

When you file a claim, we ask for supporting documents like receipts or medical records. We try to keep this straightforward, but what we need depends on the situation. We must do this to make sure everyone is being covered fairly, under the same terms.

The most common reasons claims get denied: the condition existed before your coverage started (pre-existing conditions aren't covered on our travel medical plan), or we didn't receive the requested documentation to verify the details of your claim. 

When a member disagrees with a claim decision, we’ll review the case under your policy terms and conditions. Members can appeal a claim decision up to 2 times. Each appeal is handled differently and reviewed by different teams, to ensure objectivity. 

If, after 2 appeals, we are unable to reach a resolution, members can choose to involve an independent third-party provider to help resolve the matter. This does not cost anything for the member. You can learn more about the provider here.   

Always check your policy document for the applicable dispute resolution options and procedures.

We want to make products that are so good that people will tell their friends about it, and we believe that is better than widespread, non-targeted advertising. So we work with ambassadors, partners and communities to share information about our products designed for people living internationally. 

Partners help introduce our services to relevant audiences, but coverage terms, eligibility and claims decisions are always determined based on a member’s specific policy terms, regardless of whether the member was referred by an ambassador or found us on their own.

For more information about our ambassador program, click here.