Clients can now add health insurance to their contractors' contracts. This article explains how they can do so.

This is not applicable to COR contracts.

Adding Health Insurance During Contract Creation

✅ Step 1 - Add Health Insurance

During the contract creation process, navigate to the Benefits & Extras step and click Add next to the health insurance option.

Note

This option will only be available if the contractor is a resident of one of the supported countries (listed in the FAQ)

✅ Step 2 - Add the contractor's information

✅ Step 3 - Add the health insurance coverage

Clients have the option to add extended coverage. 

This add-on is required for:

• Residents of Hong Kong or Singapore.
• Independent contractors (ICs) staying in Hong Kong, Singapore, or the USA for over 30 days.

✅ Step 4 - Select the insurance plan

All health insurance plans are 12 months minimum.

✅ Step 5 - Review and submit

Review the health insurance summary, click Submit, and continue with the contract creation.

Adding Health Insurance to an Existing Contract

✅ Step 1 - Select the contract

From the homepage, go to the People icon, click the All People tab, and select the contractor.

✅ Step 2 - Add health insurance

Select the health insurance option and click Add Coverage.

Note

This option will only be available if the contractor is a resident of one of the supported countries (listed in the FAQ)

✅ Step 3 - Add the health insurance coverage

Clients have the option to add extended coverage. 

This add-on is required for:

• Residents of Hong Kong or Singapore.
• Independent contractors (ICs) staying in Hong Kong, Singapore, or the USA for over 30 days.

✅ Step 4 - Select the insurance plan

All health insurance plans are for a minimum of 12 months.

✅ Step 5 - Review and submit

Review the health insurance summary, and click Submit.

Health insurance for independent contractors can only be canceled in the event of a qualifying life event. Accepted reasons for cancellation include:

• The contractor is moving to a country not supported by Remote Health

• The contractor experiences a loss or change of job, or their contract ends

To request a cancellation, please contact our customer support team.

Invoicing

Monthly Payments:

• • Clients are invoiced for all ICs with an active policy.
  • The premium (and, therefore, the invoiced amount) is determined per IC, based on the selected plan, the IC's age, and whether the extended add-on is enabled.

Annual Payments:

• • Clients are invoiced at the time of activation.
  • The premium (and, therefore, the invoiced amount) is determined per IC, based on the selected plan, the IC's age, and whether the extended add-on is enabled.
  • The invoiced amount is prorated because coverage ends (and is auto-renewed) on October 31st each year. This aligns with the SafetyWing policy, which runs from November 1st to October 31st.

Example:
If an IC’s annual premium is $1,200 and their insurance is activated on January 1st, the hiring company will be invoiced for $1,000 (prorated for 10 months).

FAQs

[ACCORDION] Is health insurance available globally?

Coverage is not offered for residents of the following countries:

• American Samoa  
• Canada
• Cuba
• Democratic Republic of Congo
• Iran
• Ireland
• North Korea
• Palau
• Palestine
• Puerto Rico
• Saudi Arabia
• Somalia
• South Sudan
• Sudan
• Syria
• United Arab Emirates
• US Guam
• US Virgin Islands
• USA

Coverage is offered worldwide except for the following countries:

Cuba, Iran, North Korea, Somalia, South Sudan, Sudan, Syria.

[ACCORDION] Will the health insurance be canceled after 12 months? Do clients need to review it?

After 12 months the health insurance will be auto-renewed, unless the client advise us otherwise.

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