International Plan
The Stryker Corporation Welfare Benefits Plan provides medical, prescription drug, dental and vision benefits for you and your eligible dependents. The plan offers valuable financial protection against the high cost of illness and injury, and also provides certain preventive care benefits to help keep you well. The plan also provides life and accidental death and dismemberment (AD&D) insurance, as well as long-term disability insurance, at no cost to you. These plans offer you income protection for you and your dependents in the face of unforeseen events.
If you are a U.S. Expatriate employee, you are not eligible for life and AD&D benefits under the International Plan. You are, however, eligible for life and AD&D insurance through the U.S. benefit plan. For more information on these benefits, see the Life and AD&D Insurance Coverage section in this Stryker Benefits Summary or refer to the Life and Accident Certificate of Insurance.
The following chart summarizes the benefits available to you.
Benefits at a Glance
Medical Coverage
  • Comprehensive medical benefits for you and your covered dependents
  • You must meet a small annual deductible before the plan begins to pay benefits
  • Preventive care (as outlined in the benefit highlights) is free
  • Most other services are 100% covered once you meet the annual deductible
  • Includes coverage for prescription drugs purchased outside the U.S.
  • You and Stryker share the cost of medical coverage
Prescription Drug Coverage
  • Applies for prescription drugs purchased in the U.S. only
  • Prescription drug benefits for you and your covered dependents
  • You pay a set copayment for prescription drugs purchased through participating retail pharmacies (30-day supply) or mail-order (90-day supply)
  • Your cost depends on whether the medication is generic or brand-name
  • You and Stryker share the cost of prescription drug coverage
Dental Coverage
  • Comprehensive dental benefits for you and your covered dependents
  • You must meet a small annual deductible before the plan begins to pay benefits
  • Preventive care (as outlined in the benefit highlights) is free
  • You pay a portion of the cost for basic and major services once you meet the annual deductible
  • Orthodontia services are covered at 50%, up to $1,000
  • You and Stryker share the cost of dental coverage
Vision Coverage
  • Vision benefits for you and your covered dependents
  • Plan reimburses you for eligible eye care and eye wear expenses, up to certain amounts
  • You and Stryker share the cost of vision coverage
Life Insurance
  • Pays benefits to your beneficiary in the event of your death
  • Coverage of two times your annual basic earnings, up to $500,000
  • Stryker provides this coverage automatically at no cost to you
  • U.S. Expatriate employees are excluded from this coverage and are eligible for the U.S. Life and AD&D benefits.
(AD&D) Insurance
  • Pays benefits to you for certain injuries or other conditions resulting from an accident, and benefits to your beneficiary in the event of your death
  • Coverage of two times your annual basic earnings, up to $500,000
  • Stryker provides this coverage automatically at no cost to you
  • U.S. Expatriate employees are excluded from this coverage and are eligible for the U.S. Life and AD&D benefits.
For More Information
The Schedules of Benefits issued by Cigna contains detailed information about the benefits for each plan offered under the Cigna option. If you have questions or want additional information, refer to the Cigna Schedule of Benefits, available at: