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:

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

TWO: 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.

THREE: Your current broker or consultant may lack international experience (99% do), and there is no conflict because we do NO U.S. domestic benefits. We enjoy excellent relations with several U.S. brokers with a complimentary relationship where we handle the international risks. (most U.S. brokers are glad to be rid of it !)

Expatriate Insurance Blog for International HR, Benefit, and Risk Managers updated once per week.

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Country Specific Expatriate Destination Guide

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

Who would you turn to today if you were told you are expanding operations into Poland or Taiwan?

Expatriate Group Insurance Round Table
Foreign workers compensation and international security programs are two areas where we see a lot of confusion in the marketplace. Regarding international security plans for global travelers and expatriate security planning, if global employers do not have their ducks in order, there is a tremendous amount of liability that will be carried, and this international liability will be both uninsured and not funded in the current budget.

If the benefits manager or HR manager speaks to the Risk Manager here are some areas you will find they may not be addressing:

1. There is no insurance to cover the personal liability exposures of expatriates. However, when expatriates are sued and carry no personal coverage, the employer is attached and named!

2. Non-U.S. Expatriates or TCN employees may not be covered for international workers compensation insurance. 95% of expatriate group health insurance plans are non-occupational.

3. Foreign national insurance provided to locals inside their home country often does not provide any coverage when the local nationals travel. We have seen huge liabilities when non-U.S. citizens travel internationally, even for a few days.

McKinley International Risk Management serves individuals and groups providing group expatraite medical insurance, individual expat health insurance, international workers compensation insurance (also called foreign workers compensation insurance), and other types of insurance for people living abroad.

Have international group insurance needs? We are the leading company that provides employer sponsored, international benefits for expatriates and local nationals. We also focus on international security for expatriates.

Do you have any of the following international exposures below? If so, who provides you with day to day and emergency assistance for what could literally be thousands of different concerns that may cross your desk related to these international exposures?

U.S. expatriates working abroad
Foreign nationals working in the U.S.
Third Country National insurance needs for those working outside of their home country
International business travelers
Local nationals (or foreign nationals) hired in their country of citizenship?
International HR managers around the world working with different international brokers?

Expatriate Group Insurance Plans (step 1)

Expatraite Insurance China Whether you have expatriate group medical needs for 2 expats, or the immediate implementation of an international employee assistance program in China for 180 expats, we are the ONLY resource you will ever need. 99% of U.S. domestic brokers cannot assist with more than 2 or 3 of these topics and there are only about 5 international brokers in the world that can assist with all of these exposures, and we are one.

No international benefits consultant or international broker is more knowledgeable on expatriate health insurance, international security programs, and support services (like international EAP and medical evacuation and assistance.)

Admitted and Legal Local National Insurance (step 2)

Many international benefit managers do not understand just how critically important it is to make sure local national insurance is placed legally. This typically means working with a locally licensed and admitted insurance company that is in the local marketplace and business of providing foreign national insurance (NOT A US COMPANY!)

Foreign national insurance that is placed with a non-licensed or non-admitted carrier can bring legal, tax, and even criminal penalties on the employer that could jeopardize local operations.

International Employee Benefits combined with International Risk Management

It is very rare to find a partner that is expert in all international disciplines, combining the international risk management side (P&C) with the international employee benefits side (A&H). The best international benefits consultants can address both concerns and all the exposures on each side..

What's more, there is never a monthly "retainer" fee to have us on your staff. When we talk about international risk management, we do this in a general sense but in the classic definition, international risk management really means the P&C side of the equation such as international workers compensating insurance, kidnap and ransom, and international liability for example.

International Risk Management is about more than expatriate medical insurance or foreign workers compensation insurance

True and complete international risk management includes a study and review by the international insurance broker of all of the programs and exposures below for the global organization. Do you have an international insurance broker or consultant than can address all of the below:

International security and specifically expatriate security with kidnap and ransom
Foreign workers compensation for international workers compensation for TCNs
Admitted and compliant plans when placing local national insurance
Expatriate group medical plans that are HIPAA compliant with COBRA for expatriates
International business traveler insurance programs
Insurance packages for foreign nationals coming into the U.S. (also called inpats.)
Third Country National insurance such as offshore pension plans.
Expatriate group life insurance no matter what the resident host country
Expatriate dental insurance
Assistance with expatriate policy and expatriate handbooks
Expatriate group disability for U.S. expats and third country nationals
Expatriate health insurance / Expatriate group insurance

This is what a client had to say about McKinley International in 2008.

"...We started working with McKinley International for one specific need, expatriate group health insurance, and this need was quickly addressed. However, we found them to be a resource for anything that we encountered on the international employee benefits or international risk management side. When we needed a special expatriate life insurance policy for a Singapore national working in Japan, we were given the solution. When we needed to place a local medical policy for 15 U.K. nationals we "inherited" in an acquisition, we were able to do so. We feel we have a full time international benefits expert on our staff..."

We hope you will explore this entire website for information about international risk management and expatriate group insurance and expatraite medical insurance plans, with resources that you will not find anywhere else on the web.