How international employee health insurance improves retention and productivity

In today's rapidly evolving global marketplace, attracting and retaining top talent is more challenging than ever for small businesses. This is especially true for global employers, who face unique challenges—from navigating diverse health care systems to supporting employees in multiple countries. For them, offering international employee health insurance coverage is more than a perk; it’s a critical factor in supporting employee well-being, while also fostering loyalty and engagement.

International health insurance and employee retention are directly linked

How international health insurance improves retention has a simple explanation: When global employees feel secure about their health coverage, especially while working abroad where access to local health care may be limited or inconsistent, they are less likely to seek opportunities elsewhere. In fact, according to a recent survey, 67% of employees say health benefits are a major reason they stay with their employer.^* For employers, lower attrition means fewer resources spent on recruiting, onboarding, and training replacements.

Healthy and satisfied employees are productive employees.

Offering health benefits to reduce employee turnover is only part of the equation. International health insurance for small businesses can also contribute to employee productivity in several ways:

• Minimised absenteeism: Access to quality health care can help ensure that global employees can recover quickly from illness or injury and return to work sooner.
• Improved focus: With health concerns addressed, global employees can concentrate on their tasks rather than worrying about coverage gaps or medical bills.
• Peace of mind: When global employees know they and their families are protected, they can worry less about medical emergencies or routine care in unfamiliar environments.

International employee health insurance that includes mental health coverage is particularly invaluable to productivity for global teams. In fact, organisations offering mental health benefits see a 20% increase in employee engagement and productivity.^**

Practical considerations for international small business employee benefits.

For executive decision-makers, international employee health insurance is more than a benefit—it's a strategic asset that requires careful consideration. When evaluating international health insurance options to improve global employee retention and reduce turnover, decision-makers should consider:

• Coverage scope: International health insurance for small businesses should cover a wide range of medical needs, including emergency care, routine checkups and specialist services.
• Global network: Look for insurers with extensive provider networks in all countries where your global employees operate.
• Virtual care access: As an alternative to in-person care, virtual care or telemedicine enables global employees to access care quickly, regardless of their location.
• Flexibility: Plans should accommodate diverse global employee profiles, from short-term assignees to long-term expatriates.
• Support for mental health: Many international health insurance plans include mental health services, which are vital for global employees facing the stresses of relocation and cross-cultural adjustment.
• Digital tools: Modern international health insurers offer apps and online portals for claims, provider searches and more, streamlining the experience for global employees.

By prioritising comprehensive international employee health insurance coverage, global employers can create a supportive environment that attracts top talent, fosters loyalty, and maximises productivity. In a competitive global landscape, this investment pays dividends in both employee well-being and organisational growth and stability.

Next Steps
Cigna Healthcare is responsible for the care of over 180 million customers and patients worldwide and leads the market in developing cost-effective plans that can be customised to the needs of individual clients.

To learn more about our health plans, visit the employers section on this website or arrange a call to speak with a Cigna Healthcare representative.

 

*Payroll Integrations 2025 Employee Financial Wellness Report, conducted by market research firm Dynata June 30 – July 3, 2025.

**American Psychological Association 2023 Work in America Survey, conducted by The Harris Poll April 17-27, 2023.