International Group Insurance Products with Full Description:

Who helps you today to navigate international risk management and global benefits for expatriates, TCNs, foreign nationals and global travelers?

The 3 most important reasons to team with us for international group insurance needs are outlined below:

There is no cost to have McKinley International on "retainer" and we share advice with clients every day with no consulting fees.

If you employ expatriates and other international assignees, you never know what may cross your desk and you need a partner that can navigate ANY issue that may come your way.

Your current broker or consultant may lack international experience (99% do), and there is no conflict because we do NO U.S. domestic benefits.

For an in depth review of these international group insurance topics, please review each of the 4 white papers below:

Do expatriates living in Italy need to participate in locally admitted insurance schemes in order to remain in the country? Simply contact us using the contact page here or call us for the complete list where expatriate group health insurance means a local carrier needs to be utilized.


Expatriate Health Insurance Best Practices and Study of the Existing Marketplace by Country or Region.

Expatriate Health Insurance is worth of a detailed discussion in two major areas, recent developments affecting expatriates in host countries, and home country issues that affect expatriates when they are outside of their home country.

Expatriate Host Country Developments

The problem for global employers and many health insurance carriers that provide expatriate group benefits, many host countries are now requiring expatriates to be enrolled in a locally admitted health insurance program meaning they will not accept the home country expatriate group health insurance carrier OR at least encourage local enrollment through a punitive tax.

At this time, this list includes the following countries:

  1. Australia
  2. Saudi Arabia
  3. Switzerland
  4. United Arab Emirates (outside of the Dubai Free Enterprise Zone)
  5. More..For the complete list please contact us (link above) and ask for the global list of countries requiring expatriates to be enrolled locally.

Issue number 1 is; Does this host country require local participation in the national insurance scheme, or require a local insurance policy. After this main issue, other host country issues that affect expatriate health insurance directly affect plan design including the following topics

  1. Do my expatriates need to take anti-malarial prophylaxis excluded or capped by many expatriate health insurance plans

  2. Do they need the war risk and terrorism exclusion removed for expat medical insurance or expat life insurance?

  3. Do I have a deductible on my plan and is it fair to my global staff. A $200 US deductible is a lot harder to satisfy in Mexico than in the U.K. where a $200 US deductible seems like only $130.

  4. What is the standard of care in the country? Do we extend the ability to seek care in countries other than the host or home country and do we make this part of the expatriate health insurance plan?

  5. Can we put local nationals of the host country under the expatriate plan extended in the host country? (90% the answer in NO for legal reasons).

Expatriate Home Country Issues

  1. Does the home country health insurance plan extend to the host country? A U.S. based Blue Cross indemnity plan probably will. The British NHS will not.

  2. Does the home country group life and disability insurance cover expatriates in the host country? It depends... assume it does not and find out.

  3. What if an expatriate develops a pre-existing condition while on the expat assignment and under the expatriate medical plan, and then returns to the home country. Will the pre-existing condition be covered by the new home country plan?

  4. Is there a waiting period if the expatriate leaves the expatriate health insurance program, and returns to the home country national health insurance plan? Many countries have a waiting period before one can re-enroll.