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 you have Hong Kong Nationals working in mainland China but away from their residences? Can you treat them like expatriates and put them into an expatriate group medical program? Are you sure? Getting this wrong could bring massive sanctions and even criminal penalties.

When it comes to insuring Chinese nationals both inside and outside of China, there is too much to risk if things are not done properly. The right international insurance broker for China is essential.

A insurance broker in CA once told us in 1996 at an international risk management seminar that there was still a law on the books in a certain Chinese province that said the punishment for non-admitted insurance was "death by hanging." As we cannot confirm this law, it came from someone in the business for 20 years and serves as a reminder: China local national insurance is not something that can be taken lightly.

Do you have at least 1 China Expatriate? Expats in China on international assignment of over 1 year have special needs.

In the past all expatriates were lumped together and they shared the same international benefit program and service programs. We understand the customization is sometimes impossible and impractical for a single expatriate but if you have over 10 expatriates in China or your single expat in China is critically important, there are special things you can do to help ensure their success.

Expatriate healthcare in China is about inbound expatriates to China and also Chinese nationals working outside of China. 40,000,000 Chinese leave China each year! There are 20,000,000 inbound travelers to China. There are over 5,000,000 Chinese working, at least part of the year, outside of China.

We hope you appreciate the information provided here, if we can be of more assistance or you need an international insurance broker for expatriates in China, please contact us, even for a single expat.

Expatriate Insurance In China

Does a China expat (one who is living in China from another country, not a Chinese expat living away from China) have special needs, we think so.

Health insurance in China is certainly not the same as medical insurance in the U.K. or the EU. Medical Evacuation and Assistance becomes much more critical, and if your expatriate resides in certain parts of China, a medical evacuation by air is 100 times more likely than in EU, Japan, Canada, or the U.S.

Not every medical evacuation company has the same capabilities in China. All say they will airlift you to the nearest appropriate hospital in China if care in the local region, or where the expatriate resides is inadequate. However, some companies can arrange for medical airlift in China much more quickly than others. One does not just send a medical airplane into China's airspace unless one wants to be blown out of the sky. Getting the right clearances means the company needs to know people in the right places, and even have ties with the Chinese military.

Local Nationals in China and Local National Insurance !

It's worth mentioning here, although our discussion is about expat health insurance in China, insuring local nationals in the correct way is extremely important. Insuring Chinese local nationals using non-admitted insurance and unlicensed carriers is, for the most part, criminal. We have seen global organizations jeopardize their entire China country operation by not insuring Chinese local nationals properly.

When looking at a country's non-admitted laws, relating to the ability for a non-licensed (foreign) insurer to provide insurance to a Chinese local national (vs. a China expat), China has always been one of the most feared countries. No one wants to be seen as violating Chinese non-admitted laws. Insuring local nationals is strictly prohibited. Expats in China "enjoy" the same healthcare service as Chinese citizens. They can go to all local hospitals, paying the same cost as locals, said Song Guofan, spokesman of Shanghai Health Bureau.

However, in reality expatriates in China would not rely on (or even use) the national healthcare system. One problem lies in the service and management of local hospitals. Long waits, insufficient communication with doctors due to language barriers, complicated payment procedures and the unpleasant hospital environment. The attitude of nurses and doctors at local hospitals is criticized and their performance lags behind international standards Although the English communication skills of local doctors are insufficient, expats actually know little about the skills of Chinese doctors, who are able to perform many procedures.

The VIP wards in major hospitals or joint-venture clinics are generally the choice for expats, but these facilities are limited and the cost is far more than the general hospitals. Because of the sheer number of expatriates "invading" China, private hospitals and clinics that cater to the expatriate community are popping up. However, many of these facilities are not places where a complicated surgery can be performed. In almost all cases it is recommended an expatriate in China should be enrolled with a medical air evacuation and assistance company such as International SOS, MEDEX, On-Call, or Worldwide Assist. China is a country with high incidence of avian flu (H5M1) and when SARS was at it's peak hit China the hardest. Any epidemic or pandemic will hit China's cities hard because of the sheer number of people living in close quarters.

China best practices for expatriate insurance in China

The following list is rarely practices by all employers with expatriates in China but for those that see China as a key country to global growth and success, as many as possible of the following should be done for expats in China.

  1. A special expatriate medical plan for China. Note: The U.S. or home country medical plan should never be used for expatriate health insurance in China.
  2. At least 6 weeks of intense cross cultural training for expatriates heading to China.
  3. At least 30 hours of Chinese language training.
  4. A review of the existing medical evacuation and assistance program, and how it is able to service expatriates living in China.
  5. More.
Expatriate Medical Insurance in China a necessity? 10
International Medical Evacuation in China needed 10
Expatriate Life Insurance in China 8
Expatriate Disability Insurance in China 8
Cross Cultural Training for expatriates living in China 10
International EAP for Expats living in China 9
International Workers Compensation Insurance China 10
Expatriate Property Insurance in China 8
Expatriate Liability Insurance in China 6
Kidnap and Ransom Insurance China 7
Emergency Security Planning / Evacuation Plan 5
Local Admitted Coverage Needed for Expatriates in China 2
Place Chinese Nationals under an offshore or U.S. expat plan Never**
China health insurance works for local nationals of China in the United States Never
Repatriation of Remains in China for Expatriates (insurance to return remains) 9

** The restrictions are derived from Article 7 of the PRC Insurance Law, which requires all the entities and organizations in China to obtain the insurance from insurance companies that are established in the PRC. Moreover, the similar restrictions are imposed on foreign-invested companies by Article 9 of the PRC Sino-Foreign Equity Joint Venture Law, Article 16 of the PRC Wholly Foreign Owned Enterprise Law and Article 18 of the PRC Sino-Foreign Cooperative Joint Venture Law.

Where a policy is in fact issued by a non-admitted overseas insurer and it is held to constitute the illegal transaction of insurance in the PRC, based on the particular facts and circumstances, pursuant to Article 159 and Article 181 of the PRC Insurance Law, the following sanctions may be imposed: (a) confiscation of illegal income; (b) a fine equivalent to more than one time but less than five times the illegal income; or a fine ranging from RMB 200,000 to RMB 1,000,000 if no illegal income is generated or if the illegal income is less that RMB 200,000; and (c) criminal liability (if any).

The Ministry of Public Security issued a new regulation effective from 1 January 2007 requiring foreign motorists to buy "border policies" providing compulsory MTPL insurance. The IAC has calculated border policy premiums for vehicles entering the PRC from Hong Kong and Macao.

The top auto insurance companies in China are PICC Insurance, China Pacific Insurance, Ping An Insurance, China United Insurance, China Continent Insurance, and Tianan Insurance.

Because Chinese MTPL policies are not recognised outside the country, Chinese motorists must buy border policies when they travel abroad.

Insurers offer voluntary excess MTPL policies to "top-up" the low limits provided on a statutory basis. International brokers recommend minimum excess cover of CNY 1mn (USD 146,413), though capacity is available up to CNY 20mn (USD 2.93mn) for large fleets with a good loss record. For private motorists, passenger liability may be covered by either a passenger PA rider or an extension to the policyholder's MTPL insurance. Either way, the normal passenger liability cover is CNY 100,000 (USD 14,641) per seat. Voluntary and compulsory MTPL policies are normally arranged with the same insurer in order to avoid claims disputes.