Foreign Voluntary Workers’ Compensation Insurance
Protect your global workforce with confidence.
Foreign Voluntary Workers’ Compensation Insurance (FVWC) provides extended protection for employees who are working outside their home country—whether they are expatriates, short-term contractors, or foreign nationals.
It ensures that your business remains compliant and protected when your employees face injury or illness while working abroad.
This coverage goes beyond standard domestic workers’ compensation policies, which often exclude foreign jurisdictions or temporary overseas assignments.
What We Cover
Foreign Voluntary Workers’ Compensation Insurance
At Mutual Life Africa, we help businesses operating across African and international borders manage employee risk with flexible, compliant insurance solutions.
We provide:
- Tailored policies for multinational teams and expatriates
- Assistance with claims processing in multiple jurisdictions
- Legal and compliance support for cross-border employee protection
- Coordination with medical evacuation and crisis response teams
✅ What We Cover
Mutual Life Africa’s FVWC policy is comprehensive and includes:
- Medical expenses for injuries or illness sustained while working overseas
- Disability compensation (temporary or permanent) due to job-related accidents abroad
- Lost wages and income support during recovery
- Repatriation costs for employees who need to return home for medical treatment
- Death benefits and funeral costs, if applicable
- 24/7 emergency assistance and support in foreign countries
Do You Really Need it?
Yes You Do
In an increasingly global economy, many businesses send their staff on international assignments, projects, or relocations.
Unfortunately, most local compensation systems and healthcare policies don’t cover workers operating outside their country of origin.
Without proper protection:
- Businesses are exposed to lawsuits if an employee is injured while abroad.
- Employees may struggle to access medical care, repatriation, or income protection.
- Compliance with international labor laws can become a serious legal challenge.
- A single incident abroad—such as a construction injury in another country, a road accident during international logistics, or illness during a foreign site visit—can expose your company to major financial and reputational risks.
🛡️ Risk Highlight:
Without FVWC coverage, your company may face:
- Severe financial liability if an employee is hospitalized abroad
- Legal actions from employees or their families
- Government fines for non-compliance with labor regulations in foreign countries
- Damage to employer reputation and staff trust
Comprehensive third-party risk protection
How It Works
Here’s a simplified journey of how our Foreign Voluntary Workers’ Compensation Insurance supports your business:
- You choose your coverage level based on the number of employees and their global exposure.
- We assess your industry, international locations, and risk factors to craft the right protection.
- You receive a tailored FVWC policy with clear terms and dedicated support.
- If an incident occurs, we provide prompt medical response, wage compensation, and legal support.
- Your business stays compliant, secure, and protected—wherever your team operates.