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:

U.S. expatriate assignments in the U.K. are easy. Think again, the percentage of expatriates coming home early from the U.K. can be as high as China.

The Brits like to remind the Americans that they have been sending expatriates to work around the world for longer than the U.S. has been a nation, and much longer than this clock is old.

The initial and original expatriate policy and procedures were established by the British over 400 years ago !

This section discusses expat insurance U.K.

Expatriate insurance in the U.K. (or you have British expatriates working in the U.S. or elsewhere. We discuss U.K. expat insurance.)

The United Kingdom has the world's most famous government healthcare system called the NHS, or National Health Insurance system based on legislation from just after World War II. About 25% of the U.K. population does have a top up medical program provided in the U.K. by the employer to supplement the NHS. It's very common for British expats to be enrolled in an expatriate group health insurance plan with BUPA being the largest expatriate health insurance carrier in the world today. Like most government healthcare systems, it's of no use when U.K. nationals are living abroad or in the U.S.

About 80% of British local nationals receives all medical from the NHS, meaning they have no other insurance or a private scheme. Corporate sponsored supplemental medical and dental plans are being more popular as time goes on.

British Expatriates in the U.S.

U.K. nationals in the U.S. have a much easier time assimilating into the U.S. domestic insurance programs and can more quickly be enrolled in U.S. managed care such as PPO plans. In other sections we discuss when foreign nationals should be enrolled in the U.S. medical plan vs. a dedicated international group insurance plan for foreign nationals in the U.S.

U.K. expatriates expected to spend more than one year in the U.S. can be enrolled in U.S. based insurance plans like HMOs and PPOs. Like an foreign national living in the U.S. the most important thing to explain to them is "the U.S. network" and the need to see network doctors and pharmacists which is a foreign concept to most foreign nationals living in the U.S.

U.S. expatriates in the U.K.

U.S. expatriates working in the U.K. have a harder time assimilating to the culture than what is typically expected. Because the culture of the U.S. and the U.K. are so similar including a common language of course, an expat assignment in the U.K. should be easy. This is not always the case.

U.S. expatriates to the U.K. are not nearly as prepared as say, U.S. expats to China for example, where and expatriate spends more time with cultural training and finding social support groups before the move.

Expatriate Insurance United Kingdom Needs Chart (1 to 10 with 10 being a critical need) Looks at the need for expatriate insurance vs. what can be obtained in the local market or what many not even be needed for an expatriate assignment in United Kingdom.

Expatriate Medical Insurance in United Kingdom a necessity? 9
International Medical Evacuation in United Kingdom (with assistance) 3
Expatriate Life Insurance in United Kingdom 7
Expatriate Disability Insurance in United Kingdom 7
Cross Cultural Training in United Kingdom for U.S. expats 6
International EAP in United Kingdom for U.S. expats in United Kingdom 5
International Workers Compensation Insurance United Kingdom 9
Expatriate Property Insurance in United Kingdom 9
Expatriate Liability Insurance in United Kingdom 9
Kidnap and Ransom Insurance United Kingdom 3
Emergency Security Planning / Evacuation Plan 1
Local Admitted Coverage Needed for Expatriates residing in United Kingdom No
Place United Kingdom Nationals under an offshore or U.S. expat plan No
United Kingdom health insurance works for local nationals of United Kingdom in the United States No
Repatriation of Remains United Kingdom for Expatriates (insurance to return remains) 5

U.K. nationals living in continental Europe

All U.K. nationals are entitled to reduced cost or free medical treatment when temporarily visiting a European Union country, Iceland, Liechtenstein, Norway or Switzerland. To obtain this treatment they will need to obtain a European Health Insurance Card free of charge. Brits would only be covered for treatment provided under the state scheme at home.

The government stresses that the EU Health Insurance Card should not be a replacement for travel insurance and it is highly recommended that travelers cover themselves for unexpected costs, including medical emergency repatriation.

British expats living full time in the EU will need a permanent international health insurance policy.

British Companies to New York or other U.S. States

With the rise of the U.K. Pound (GBP) vs. the U.S. Dollar, which has been significant in the last 5 years, we have seen more British companies move operations to New York or establish subsidiary offices. McKinley International Risk Management can assist foreign companies secure international medical insurance for foreign nationals in the U.S., group life insurance for foreign nationals, and other benefits they will need while here in the U.S.