Providing appropriate insurance cover for your international (expatriate) employees is essential as they normally do not enjoy the same safety net as in their home country.

Employee Benefits
Direct Health can tailor a comprehensive and cost effective insurance solution that includes all key elements - medical, travel, personal accident, life, property, personal liability, individual security and crises handling - for peace of mind. Everything in one policy from one insurer or selected elements from a range of insurers.

International Business
Directors & Officers Liability insurance: In recent years, much of the responsibility for lawsuits arising from decisions made within an organization has shifted to the individual. For this reason, it is critical as an employer to understand the risks associated with the decisions your employees, board members and officers make on behalf of your organization.

Your employees could be sued because of: Errors in judgment, Negligent supervision of delegated responsibility, Imprudent investment decisions, Unauthorized payments (even if innocently made), Conflicts of interest

We can help you with a Directors & Officers Liability insurance, designed specifically to provide your directors, officers and board members with protection against personal liability claims that could be brought against them as a result of their work. In addition, this policy can be used as a recruitment tool, as many executives will not serve on a board without a Directors & Officers policy in place.

Errors and Omissions (E & O) Insurance protects your organization from claims if your client holds you responsible for errors, or the failure of your work to perform as promised in your contract. This important coverage includes the legal defense costs should a claim result in a suit.

Our E & O policy will pay for any resulting judgments against you that occur throughout the world, including court costs, up to the coverage limits on your policy. E & O insurance is sometimes referred to as Professional Liability Insurance.

Transit & Cargo Insurance including War Risk, Global protection is available to protect goods while in transit in high risk areas including Iraq and Afghanistan. War Risk Cargo coverage is designed to protect goods and other property while they are being transported from one location to another and includes protection against acts of war. This insurance can cover risks involved in transporting goods whether by Ocean vessel, Aircraft, Truck, Barge or Rail.

Our Clients
Our clients range from SMEs, International Schools, Marine Groups, Oil & Gas companies, Multinationals, non profit organizations and more. For larger groups, we will assist you in tailoring each insurance, medical, group life and more to suit your needs and budget.

To obtain an initial medical insurance quotation for your group download and fill out this excel sheet (rigth click and select save as), we do not need any names to provide you with an initial quotation. Please indicate the desired level of cover such as inpatient, outpatient, maternity, dental and if full USA cover is desired and send this information togather with the excel sheet to office@direct-health.biz.

For travel, personal accident, life, property, personal liability, kidnap & ransom, Directors & Officers Liability insurance, Directors & Officers Liability insurance or Transit & Cargo Insurance including War Risk please contact us via email or just give us a call and we will assist you in tailoring a suitable cover. For more information about our range of capabilities, please download our corporate briefing document.

For more information and scheduling a phone meeting to discuss how we can be of help, please contact office@direct-health.biz or call +60 17 240 7548.

Marine Groups

International Schools

We understand that international schools may have a limited budget and we have assisted many international schools to tailor an insurance package according to their needs and budget, read more here

Small & medium sized org.

Small and medium sized organizations often have very few expatriates, we can assist with one policy providing protection in all key areas such as medical, PA, life, personal liability, property and more.

One policy significantly reduces administration for your company and premiums are very attractive, read more here