In addition to language and culture business travelers and employees on long-term assignments abroad, the so-called expatriates, have to master a wide range of challenges in the countries where they are working. At the same time the employers are also confronted with additional costs and liability risks, including their duty of care as an employer. In some regions of the world employees can be threatened or detained by criminals or disappear without trace. The authorities in these regions are often not able or not willing to help. In addition countries that are regarded as safe today can be engulfed by political upheaval or civil war tomorrow and create the urgency for employees in those regions to be evacuated or other security measures to be taken. To insure against these risks and provide support to those employees sent abroad, HDI has created an insurance package consisting of prevention, cost reimbursement and crisis management consultancy.