Aetna International, Inc.

What Aetna International, Inc. does

Aetna International, Inc. is a wholly-owned subsidiary of CVS Health that provides international health benefits to globally mobile individuals, including expatriates, inpatriates, and business travelers. Operating across 200+ countries and territories, the company administers comprehensive health insurance plans covering medical, dental, vision, and pharmacy, with 100% coverage for eligible care outside the United States and no deductible, copay, or coinsurance on covered services under its enhanced plan design. Its core technology includes a global provider network with direct-pay access to 1.9 million providers and facilities, a unified member website with worldwide telehealth, and separate portals for employers, brokers, and providers. The company's primary customers are multinational employers, governments, intergovernmental organizations (IGOs), non-governmental organizations (NGOs), and diplomatic missions, with individual members and healthcare providers as supporting segments.

The company generates revenue primarily through subscription-based employer-sponsored health insurance premiums, supplemented by professional services revenue from clinical pre- and post-assignment coordination for expatriates (16-80 hours of clinical support per assignment) and emergency assistance services. Pricing is quote-based and not publicly disclosed. The go-to-market combines enterprise field sales for large multinational employers and government entities, broker and intermediary channels for mid-market and SMB segments, and self-service digital portals for existing members and providers. Since CVS Health's 2018 acquisition of Aetna Inc., Aetna International has been fully operationally integrated with CVS Health domestically, enabling members to access MinuteClinic at 1,200 CVS Pharmacy stores and CVS Health Virtual Care; in April 2023, the company extended its international capabilities through a strategic partnership with Allianz Partners for EMEA and APAC network operations. The company also operates an International Special Investigations Unit (ISIU) that uses advanced data analytics for fraud, waste, and abuse detection.

Name

Aetna International, Inc.

Legal name

Aetna International Inc.

Website

https://aetnainternational.com

Company type

Private

Founded year

1960

Operating status

Operating

Headcount range

11–50 employees

Short description

Aetna International, Inc., a wholly-owned subsidiary of CVS Health, provides international health insurance and expatriate benefits to globally mobile individuals, multinational employers, governments, IGOs, NGOs, and diplomatic missions across 200+ countries and territories via a 1.9 million provider network.

Ownership category

akta.pro rank

Product category

International Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Hospital & Medical Service Plans (6324), Services-Health Services (8000)

akta.pro primary industry

International / Expatriate Group Health Plans (FSAIAFAJ)

akta.pro secondary industries

International Healthcare Access & Provider Network Navigation (EDAIAMAI), International/Expat Direct-to-Consumer Telehealth Platforms (HLALAAAG), International/Expat Critical Illness & Hospital Indemnity (FSAIAKAJ)

Keywords

• International health insurance
• Expatriate health benefits
• Global medical coverage
• Employer health plans
• Travel health insurance

Headquarters

HQ city

San Francisco, California

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Health Insurance Premiums: Comprehensive health benefits plans for globally mobile members including medical, dental, vision, and pharmacy coverage. Revenue generated through employer-sponsored premiums and individual plan subscriptions.
2. Pre and Post Assignment Coordination Services: Clinical coordination services for expatriates and business travelers including health planning, medical equipment coordination, and ongoing support throughout assignment lifecycle
3. Emergency Assistance Services: Emergency medical assistance and support services for members abroad

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

Aetna International provides comprehensive international health insurance plans covering medical, dental, vision, and pharmacy benefits for globally mobile members (expatriates, inpatriates, and business travelers) across 200+ countries and territories. Plans include 100% coverage for eligible care outside the U.S. with no deductible and no coinsurance, supported by a digital member portal, worldwide telehealth services, and direct pay access to 1.9 million providers and facilities. The company also delivers pre- and post-assignment clinical coordination, mental well-being resources, 24/7 multilingual member services, and dedicated portals for employers, brokers, and providers.

Product overview

Aetna International provides a comprehensive suite of international health benefits and services designed for globally mobile members including expatriates, inpatriates, and business travelers. The core offering consists of International Health Insurance Plans featuring medical, dental, vision, and pharmacy coverage with 100% care outside the U.S. Supported by the Member Website digital platform, these plans are complemented by specialized add-on modules including MinuteClinic access at CVS Pharmacy locations, CVS Health Virtual Care telehealth services, Aetna Abroad expatriate coverage, Pre and Post Assignment Coordination clinical support, Mental Health and Well-being Support, 24/7 Member Services, Fraud Prevention Services, and Destination Guides. The company also provides dedicated Employer and Broker Portals for plan management. Aetna International operates through an enhanced global service delivery model leveraging CVS Health's domestic resources and Allianz Partners' international network capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• Aetna Abroad: International health benefits and support services for globally mobile employees and expatriates.

Products and services

• International Health Insurance Plans Comprehensive health insurance plans for globally mobile members including medical, dental, vision, and pharmacy coverage with 100% coverage for eligible care outside the U.S. with no deductible and no coinsurance on covered services under enhanced plans. Designed for expatriates, inpatriates, and business travelers across 200+ countries and territories with direct pay access to 1.9M providers and facilities.
• Aetna Abroad Specialized product offering for internationally mobile members and expatriates providing comprehensive international health benefits and coverage tailored to the expat lifestyle. Launched in 2023 as a focused product under the Aetna International portfolio.
• Pre and Post Assignment Coordination Clinical support services that help employees and their families prepare for and manage international assignments, including health assessments, trip planning, and ongoing coordination throughout the assignment lifecycle. Involves 16-80 hours of clinical support during the pre-assignment phase and continuing post-assignment support.
• Government Organizations Solutions Specialized health benefits solutions for government organizations, intergovernmental organizations (IGOs), non-governmental organizations (NGOs), and diplomatic missions, with culturally attuned support and multi-country compliance for international staff.

Quantifiable outcome

• 28% lower health care costs for companies with comprehensive well-being programs
• +3 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature5 records

Partnerships

Three partnerships are on record, tiered core.

• Allianz PartnerscoreTechnology or Integration · 1 April 2023Strategic partnership outside the United States contributing to enhanced global service delivery model. Partnership strengthens network capabilities and provider management in Europe, Middle East and Africa (EMEA), and Asia Pacific (APAC). Following partnership agreement, company has greater resources and capabilities for tackling fraud, waste, and abuse.
• CVS HealthcoreStrategic or Co-development PartnerParent company providing combined resources and full operational integration. CVS Health enables Aetna International to offer innovative plans including 100% coverage for care outside the U.S., MinuteClinic access at 1,200 CVS Pharmacy stores, and CVS Health Virtual Care services.
• AetnacoreStrategic or Co-development PartnerParent brand with over 170 years of experience providing innovative health care benefits, products and services. Full operational integration within the United States.

Scale indicators4 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• MetLife Expatriate Benefits: MetLife offers global employee benefits including expatriate health insurance for multinational employers — comparable in employer-sponsored international benefits design and global service delivery model.
• Bupa Global: Bupa Global provides international private medical insurance for individuals and corporate clients in EMEA, APAC and the Americas — directly comparable in customer segment, product design, and global provider network strategy.
• Now Health International: Now Health International is an international PMI provider serving individuals and SMEs with expatriate and globally mobile plans — comparable in product focus on globally mobile members and digital-first service model.
• GeoBlue: GeoBlue specializes in international health insurance for expatriates, business travelers and global assignees, with provider networks spanning multiple continents — a direct competitor in the expat/globally-mobile segment.
• International Medical Group (IMG): IMG provides international travel medical insurance and global medical insurance for expatriates, students and business travelers — directly comparable in globally mobile individual and group health products.
• AXA Global Healthcare: AXA Global Healthcare is the international PMI division of AXA, serving individuals and corporate clients with cross-border coverage — directly comparable in product structure and target segments.
• Allianz Care: Allianz Care is the international health insurance arm of Allianz Partners — Aetna International's network operations partner in EMEA/APAC since 2023 and a competing international PMI provider for the same expatriate and multinational customer base.
• Cigna Global Health Benefits: Cigna Global is a leading international health insurer serving globally mobile employees, expatriates and multinational employers — directly comparable to Aetna International in product, target customer (multinational employers), and global footprint.
• UnitedHealthcare Global: UnitedHealthcare Global offers international health benefits for expatriates and globally mobile employees of multinational companies — directly comparable in employer-sponsored international PMI and provider network breadth.

Broad incumbents

• Aetna (U.S. Domestic): Aetna's U.S. domestic health insurance business, the parent brand within CVS Health, shares operational integration and infrastructure with Aetna International but focuses on the U.S. group/individual market rather than expatriate health.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/aetna-international-inc.

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Aetna International, Inc.