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PERSONAL LIFE RISKS FOR EXPATRIATES HOW TO PROTECT YOURSELF? We can help Prepared by  Sleiman Karam, MBA GBA
BACKGROUND  INFORMATION <ul><li>ACYVA is a brokerage firm  specialized in international insurance  protection solutions </...
<ul><li>Premature death </li></ul><ul><li>Disability or the inability to generate income </li></ul><ul><li>Serious illness...
<ul><li>A lot of business and personal travel </li></ul><ul><li>War and terrorism risks </li></ul><ul><li>Unavailable or u...
<ul><li>What happens if because of sickness or injury you lose your employment? Who will cover your future medical expense...
<ul><li>ACYCA specializes in the expatriate market </li></ul><ul><li>We have access to any protection that you may need  <...
<ul><li>HEALTH INSURANCE   </li></ul><ul><li>In-patient treatment (Hospital) </li></ul><ul><li>Out-patient (physicians, sp...
<ul><li>DISABILITY INSURANCE : monthly sum received to replace income if you are not able to complete the substantial task...
<ul><li>OTHER PROTECTIONS </li></ul><ul><li>Travel insurance </li></ul><ul><li>Students abroad </li></ul><ul><li>Evacuatio...
<ul><li>Many of us have the best insurance coverage for our car, house,… however, most people overlook the strain that can...
CONTACT  INFORMATION <ul><li>To obtain an estimate or if you want to know more about our services: </li></ul><ul><li>www.a...
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Acyva Insurance Advisors Personal Life Risks For Expats And How To Protect Yourself

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Expatriates and their families can face major challenges in case of sickness, death and disability. It is important to be seek proper advice and create your risk management plan. I prepared this presentation for expatriates and professionals serving them like recruiters, accountants... if you have any questions please visit our website www.acyva.com or contact me sleiman@acyva.com

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Transcript of "Acyva Insurance Advisors Personal Life Risks For Expats And How To Protect Yourself"

  1. 1. PERSONAL LIFE RISKS FOR EXPATRIATES HOW TO PROTECT YOURSELF? We can help Prepared by Sleiman Karam, MBA GBA
  2. 2. BACKGROUND INFORMATION <ul><li>ACYVA is a brokerage firm specialized in international insurance protection solutions </li></ul><ul><li>Clients: expatriates, employers, international students, travellers, athletes… </li></ul><ul><li>Solutions : we propose solutions adapted to the expatriate’s needs </li></ul><ul><li>Standard solutions: Life, disability and health insurance </li></ul><ul><li>Specialized risks: Sports, war and terrorism, kidnapping and ransom, etc. </li></ul><ul><li>Insurers : ACYVA deals with world leaders in the field of international insurance (William Russell, BUPA, IHI, etc.) </li></ul>
  3. 3. <ul><li>Premature death </li></ul><ul><li>Disability or the inability to generate income </li></ul><ul><li>Serious illness or injury </li></ul><ul><li>Each of these life risks can put your financial security at high risk if you are not well protected </li></ul>NORMAL LIFE RISKS
  4. 4. <ul><li>A lot of business and personal travel </li></ul><ul><li>War and terrorism risks </li></ul><ul><li>Unavailable or unqualified medical services in the country of residence </li></ul><ul><li>Kidnap and ransom </li></ul><ul><li>Family living large periods of time in different areas </li></ul><ul><li>Moving and changing employers often with periods of unemployment between jobs </li></ul><ul><li>Political risks </li></ul><ul><li>Inappropriate insurance protections </li></ul><ul><li>Each of these risks can put your financial security at high risk if you are not well protected </li></ul>EXPATRIATE RELATED RISKS
  5. 5. <ul><li>What happens if because of sickness or injury you lose your employment? Who will cover your future medical expenses after you are no longer covered under your employer benefits? </li></ul><ul><li>What if you are injured in a war or terrorism act in your country of residence or during your travels? Are you covered? </li></ul><ul><li>Do you have a choice of the country where you will receive your treatments? In some countries, the quality of medical services is not appropriate, thus you might want to get some medical treatments in a country where you can have family support and quality services </li></ul><ul><li>Does your employer cover all your personal risks? (income replacement, life insurance…) Are all members of your family insured in the employer's plan? </li></ul><ul><li>What happens if you become a contractual employee, freelancer or unemployed? You lose your insurance benefits maybe at an age where it will be difficult for you to get insurance because of pre-existing conditions. Even if you get insurance, your pre-existing conditions will be excluded. </li></ul><ul><li>Do you have coverage that follows you even when you go back to your country of origin? </li></ul><ul><li>Does your employer insurance policy qualify you for benefits as an expatriate or do you have the same benefits as local employees? The needs are not the same </li></ul><ul><li>Do you have evacuation and repatriation coverage </li></ul><ul><li>Does your employer benefits cover all your family members living with you or in another country </li></ul><ul><li>The solutions we propose take into account these and other considerations of similar nature </li></ul>CONSIDERATIONS FOR YOUR FINANCIAL PLAN
  6. 6. <ul><li>ACYCA specializes in the expatriate market </li></ul><ul><li>We have access to any protection that you may need </li></ul><ul><li>As independent advisors we deal only with first quality insurers </li></ul><ul><li>We can analyze your employer benefits and offer you the necessary protection to complement or replace them </li></ul><ul><li>International insurance protection can provide the coverage you need. These contracts can follow you and are created to serve the expatriate community </li></ul><ul><li>In the following pages we will present s ome of the solutions we use to protect our clients. </li></ul>HOW CAN WE HELP YOU?
  7. 7. <ul><li>HEALTH INSURANCE </li></ul><ul><li>In-patient treatment (Hospital) </li></ul><ul><li>Out-patient (physicians, specialists, treatment, etc.) </li></ul><ul><li>Drugs </li></ul><ul><li>Emergency evacuation and repatriation </li></ul><ul><li>Dental insurance </li></ul><ul><li>LIFE INSURANCE: you can choose the amount you need </li></ul>Solutions: INTERNATIONAL PROTECTIONS
  8. 8. <ul><li>DISABILITY INSURANCE : monthly sum received to replace income if you are not able to complete the substantial tasks of your job. </li></ul><ul><li>TOTAL AND PERMANENT DISABILITY INSURANCE : lump sum paid in case you become totally and permanently disabled </li></ul><ul><li>SPECIAL RISKS </li></ul><ul><ul><li>War and terrorism </li></ul></ul><ul><ul><li>Kidnapping and ransom </li></ul></ul><ul><ul><li>Political risk (evacuation) </li></ul></ul><ul><ul><li>Professional sports and artists </li></ul></ul><ul><ul><ul><li>Accident only coverage (life, disability…) </li></ul></ul></ul>Solutions: INTERNATIONAL PROTECTIONS
  9. 9. <ul><li>OTHER PROTECTIONS </li></ul><ul><li>Travel insurance </li></ul><ul><li>Students abroad </li></ul><ul><li>Evacuation </li></ul><ul><li>Best Doctors (second opinion in case of critical illness) </li></ul>Solutions: INTERNATIONAL PROTECTIONS
  10. 10. <ul><li>Many of us have the best insurance coverage for our car, house,… however, most people overlook the strain that can be placed on their financial situation due to sickness or injury. </li></ul><ul><li>At ACYVA, we help expatriates and their families create a secure financial future. </li></ul><ul><li>Our team is ready to serve you… we do not put pressure or try to sell unnecessary products. Simply, we want to provide you the peace of mind you need so you can focus on your career and family. </li></ul><ul><li>Please call for an evaluation with no obligation </li></ul>What is your plan?
  11. 11. CONTACT INFORMATION <ul><li>To obtain an estimate or if you want to know more about our services: </li></ul><ul><li>www.acyva.com </li></ul><ul><li>Your contact : </li></ul><ul><li>Sleiman Karam </li></ul><ul><li>President </li></ul><ul><li>Telephone: +1 514 3128400 </li></ul><ul><li>Email: sleiman@acyva.com </li></ul>
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