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:


It took many years to work out the details, but citizens of one EU country can receive free medical care if they need it, as they travel to other countries in the EU.

Although not part of the EU, all UK residents are entitled to reduced cost or free medical treatment when temporarily visiting a European Union country, Iceland, Norway or Switzerland. To obtain this treatment you UK nationals need to obtain a European Health Insurance Card free of charge. Travelers are only be covered for treatment provided under the state scheme at home. The government stresses that the European Health Insurance Card should not be a replacement for travel insurance

You Need Expatriate Insurance in Europe for Inter-European Expats, Foreign Nationals, and U.S. Expatriates in the EU.

What global employers need to understand about putting U.S. expatriates in the EU, working with international brokers licensed to place insurance in the EU, and EU expatriates working inside and outside of the European Union.

Expatriate Insurance Europe General

Foreign expatriates assigned to work in the European Union are almost always extended an international health insurance plan (or expatriate group medical insurance policy) even if they are being localized to their EU country.

Expatriates in the EU long enough to apply for and qualify for nationalized healthcare in the country in which they reside will of course, never extend coverage while the expatriate is outside of the EU and never back in the United States.

What to do with U.S. expatriates in the EU is clear, but what to do with expatriates from the EU working in other countries. What about EU expatriates working inside the EU? Is a French national working for two years in Spain an expatriate? Technically the answer is yes, but through reciprocal agreements throughout the EU the French national in Spain would not need to make new arrangements for healthcare.

Insurance for U.S. Expatriates in Europe

After international group healthcare is arranged for U.S. expatriates in the EU, what are some issues related to other fringe benefits for U.S. expatriates working in the European Union?

Medical Evacuation and Repatriation: Most expatriates working worldwide are extended medical evacuation and international assistance benefits while on foreign assignment. Most clients do not realize that the main part of this benefit, the medical evacuation itself can almost never be used for an American working the European Union. Medical evacuation plans contain language called "nearest appropriate facility" language that dictates when an expatriate can be airlifted to another country. Because in the EU 99% of all conditions can be treated by local hospitals, and expatriate in Europe will almost never an international medical evacuation program so much of the benefit is wasted.

International Group Life Insurance and Expatriate Life Insurance: U.S. expatriates working in the EU as well as foreign nationals from other countries working in the EU will most likely need an international group life insurance plan. As discussed in other sections, if the expatriate is residing in the EU for over one year, there is a chance the U.S. Life and LTD plan will no longer provide coverage. If you hire non-U.S. expatriates to work in the EU, they cannot be covered by U.S. benefit programs.