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  • Small Business Resource Centre

    Running a small business comes with plenty to think about. Explore practical insights and guidance to help you support your people, manage an international team and make informed decisions as your business grows.
    Need help finding the right health cover for your business?
    Speak to our team

    From looking after your employees to building an international team, growing a business brings new opportunities and challenges. Explore our latest insights and practical guidance to help you support your people and plan for what’s next.

    Health Insurance & Benefits

    <span style="color:#110081;font-family: var(--base-font-family-valueSansPro-medium)!important;">International health insurance: Why global employers need it – and why domestic coverage isn’t enough</span>

    Discover how international health insurance helps global employers protect employees abroad, manage risk and provide consistent access to health care.

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    <span style="color:#110081;font-family: var(--base-font-family-valueSansPro-medium)!important;">Understanding the cost of global health insurance for small businesses</span>

    Wondering how much global health insurance costs for small businesses? Getting a cost estimate is about so much more than crunching black and white numbers. Let’s explore the details.

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    <span style="color:#110081;font-family: var(--base-font-family-valueSansPro-medium)!important;">Planning company health insurance for globally mobile employees</span>

    A practical guide to planning international health insurance for employees working overseas, including wellbeing support, healthcare access and assignment considerations.

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    <span style="color:#110081;font-family: var(--base-font-family-valueSansPro-medium)!important;">International Health Insurance versus Local Plans</span>

    Exploring international health insurance vs local plans? Learn how hospital networks differ and what globally mobile employees should look for when choosing cover abroad.

    Find out more

    Insurance Basics for Global Employers

    What is Health Insurance?

    Health insurance can be complex, particularly if you’re living or working abroad. Understanding the basics can help you make more informed decisions about your healthcare, your cover, and the support available when you need it.

    What is a provider network?

    Provider networks play an important role in how health insurance works. Understanding what they are and how they affect access to care can help you navigate your healthcare options with greater confidence.

    What is a deductible?

    Deductibles are one of the most commonly misunderstood health insurance terms. Understanding how deductibles work can help you better manage healthcare costs and make the most of your cover.

    Making a claim

    Making a claim is often an important part of using health insurance. Understanding the information required, the steps involved, and the documentation that may be needed can help make the process smoother and more straightforward.

    Building an international employee health benefits programme?

    Whether you're supporting employees working abroad for the first time or reviewing your current benefits offering, our practical HR guide explores the key features to look for in an international health insurance plan and the questions HR teams should ask before making a decision.

      Employee Wellbeing

      <span style="color:#110081;font-family: var(--base-font-family-valueSansPro-medium)!important;">Why employee well-being matters for small global businesses</span>

      What exactly is a wellness programme and why is employee well-being especially important for small businesses with globally mobile employees?  

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      <span style="color:#110081;font-family: var(--base-font-family-valueSansPro-medium)!important;">Managing Expat Employee Mental Health & Wellbeing</span>

      It's essential to pay attention to the emotional state of their teams abroad to mitigate risk of financial and reputational loss, as globally mobile employees are critical to worldwide growth and success.

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      <span style="color:#110081;font-family: var(--base-font-family-valueSansPro-medium)!important;">Understanding Employee Assistance Programmes (EAP)</span>

      There’s an expectation for businesses to step up and help their employees cope with the pressures of everyday life and managing their mental health. And that’s what an Employee Assistance Programme does.

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      <span style="color:#110081;font-family: var(--base-font-family-valueSansPro-medium)!important;">Preventing Burnout in Small International Teams: Practical Steps for Growing Businesses</span>

      Discover how growing businesses can support international employee wellbeing, reduce workplace stress and build a healthier workforce.

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      Talent Attraction & Retention

      <span style="color:#110081;font-family: var(--base-font-family-valueSansPro-medium)!important;">How international employee health insurance improves retention and productivity</span>

      Discover how international employee health insurance helps global employers improve retention, boost productivity, and support employee wellbeing worldwide.

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      <span style="color:#110081;font-family: var(--base-font-family-valueSansPro-medium)!important;">How to build a competitive employee benefits package on a small business budget</span>

      How can growing businesses attract and retain international talent? By building a competitive employee benefits package without the budget of a large organisation.

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      <span style="color:#110081;font-family: var(--base-font-family-valueSansPro-medium)!important;">Health benefits for employee retention: building a strategy that’s right for your small business</span>

      Discover how health benefits can improve employee retention in small businesses. Learn practical ways to support employees, strengthen loyalty and compete for talent.

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      <span style="color:#110081;font-family: var(--base-font-family-valueSansPro-medium)!important;">Which employee benefits matter most to international talent?</span>

      Discover the employee benefits international talent values most and how growing businesses can strengthen recruitment, retention and employee wellbeing.

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      Not sure what health cover your business needs?

      Finding the right health cover starts with understanding what works for your business and your people.

      And if you’re not sure what you need yet, don’t worry.

      Our advisers can talk you through your options and help you decide what’s right for you.

      International Team Management

      <span style="color:#110081;font-family: var(--base-font-family-valueSansPro-medium)!important;">Insurance for Remote Workers: What Employers Should Consider About International Health Benefits</span>

      Remote working is reshaping global workforce mobility. Learn what employers should consider when designing international health benefits for employees living and working abroad.

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      <span style="color:#110081;font-family: var(--base-font-family-valueSansPro-medium)!important;">Creating a consistent employee experience across countries</span>

      Learn how growing businesses can create a consistent employee experience across countries while adapting support to local needs and healthcare systems.

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      <span style="color:#110081;font-family: var(--base-font-family-valueSansPro-medium)!important;">Supporting Globally Mobile Employees: What Multinational Employers Need to Consider</span>

      Global mobility can complicate healthcare access and continuity of care. Explore the challenges employers need to manage and what to look for in a benefits provider.

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      <span style="color:#110081;font-family: var(--base-font-family-valueSansPro-medium)!important;">Solving the issues of international compliance with Cigna Healthcare</span>

      When HR managers oversee international employees, they may struggle with the challenges of maintaining compliance with global health regulations. That's why we created our guide "Navigating international health insurance compliance: a practical guide for HR professionals".

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      Global Mobility & Overseas Employees

      <span style="color:#110081;font-family: var(--base-font-family-valueSansPro-medium)!important;">Stay Prepared with Medical Repatriation Coverage</span>

      When your company has employees working abroad, it's critical to make sure you provide accessible, quality health care and stay one step ahead of potential risks.

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      <span style="color:#110081;font-family: var(--base-font-family-valueSansPro-medium)!important;">Travel insurance vs. international health insurance: what employers must get right for global assignments</span>

      Understand when travel insurance is sufficient and when corporate international health insurance is required. A practical guide for employers managing global assignments and workforce mobility.

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      <span style="color:#110081;font-family: var(--base-font-family-valueSansPro-medium)!important;">Managing employees across borders: Top 3 considerations for growing businesses</span>

      Discover three key considerations for managing employees across borders, including consistent support, employee wellbeing and access to healthcare.

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      <span style="color:#110081;font-family: var(--base-font-family-valueSansPro-medium)!important;">How Employers Can Support Globally Mobile Employees and Their Families</span>

      Discover practical strategies for employers to support employees and their families on international assignments. Learn how to address hidden challenges, enhance well-being, and drive assignment success across your global workforce.

      Find out more

      International business medical insurance (2 to 149 globally mobile employees)

      We understand that your employees are the foundation of your organisation’s success. With our international group health insurance, you can ensure your globally mobile employees get fast access to treatment and support.

      Modular options make it easy to build a localised, cost-effective solution to keep your overseas team performing at their peak, wherever their assignment takes them.

      © Cigna Healthcare. All rights reserved.

      *Please note, this is a representation of the benefits available and does not contain the terms, conditions, and exclusions specific to each benefit. The benefits may be subject to change. Some benefits may be part of an optional module. Please see the Customer Guide for full details.

      This website is provided by Cigna European Services (UK) Limited, a company incorporated in England and Wales having its registered address at 13th Floor, 5 Aldermanbury Square, London EC2V 7HR and registered number 00199739. The Cigna Healthcare name, logo and other Cigna Healthcare marks are owned by Cigna Intellectual Property, Inc., licensed for use by The Cigna Group and its operating subsidiaries.

      Our Policies are underwritten by Cigna Global Insurance Company Limited, a private limited company under Guernsey Law, with registered address office at PO Box 155, Mill Court, La Charroterie, St Peter Port, Guernsey, GY1 4ET, and company number 41925. Cigna Global Insurance Company Limited is authorised and regulated by the Guernsey Financial Services Commission for the conduct of insurance business in Guernsey.

      This communication is being issued and/or distributed by Cigna Insurance Management Services (DIFC) Limited which is regulated by the Dubai Financial Services Authority.