Inpat Insurance

What does the term inpat insurance mean? Most recently it refers to insurance provided by a U.S. company for foreign nationals coming into the U.S. The opposite of an expat.. an inpat. Foreign nationals in the U.S. may need additional insurance not provided to U.S. outbound expatriates.

Of course, they need the traditional benefits like medical, life, and dental but inpats coming into the U.S may need other benefits both for the benefit of the employee and to remove liability from the U.S. employer. Good inpat insurance packages include both personal property insurance in the United States and personal liability insurance in the U.S. for the foreign national residing here.

The personal liability insurance is of particular importance. A company that sponsors foreign nationals to come and work in the U.S. on work visa needs to make sure they carry international personal liability insurance. An inpat in the U.S. that is sued but carries no personal liability insurance in the U.S. exposes the employer to being attached and named in the lawsuit when the foreign national cannot pay.

Best practices for expatriates dictates that employers who provide inpat insurance to expatriates in the United States provide a simple renters insurance policy with some property insurance coverage, and more importantly, international personal liability.