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.

If heading to Dubai, UAE, or the Middle East,, it's extremely important to have the right international insurance package that not only works in Dubai and the UAE, but equally well throughout the region. Other programs will be necessary depending on how long the person will be residing in the United Arab Emirates. (for example, cross cultural training and international EAP and in the case of the hotel above, additional gold cards)

If you have expatriates in Dubai, Abu Dhabi, Sarjah or anywhere in the UAE, or are an individual expatriate living in Dubai please call us for a free insurance review.

Expatriate Insurance UAE, Dubai and Abu Dhabi

McKinley International Risk Management works with individuals and organizations that need to provide medical insurance in the United Arab Emirates for expatriate employees, travelers to Dubai, and local nationals of the UAE. Please contact us for a free insurance and general international risk management consultation that will design a strategy based on your exact international exposures throughout the UAE and Dubai (where people are traveling and for how long.) Did we mention this is a free service, something the international consultants will charge you over $5,000 to do.

Whether you are working full time in the UAE, or just traveling for two weeks to Dubai, anyone traveling or working abroad needs the right international medical insurance scheme. In addition to the proper expatriate health insurance for those living full time in Dubai, here is a list of useful information for anyone working or traveling to The United Arab Emirates UAE.

  1. An international medical insurance plan is very important for foreign nationals in Dubai. You need a program that works in the host country, regionally throughout the UAE, and in the home country for return visits.

Expatriate Insurance UAE 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 UAE.

Expatriate Medical Insurance in UAE a necessity? 8
International Medical Evacuation in UAE (with assistance) 4
Expatriate Life Insurance in UAE 9
Expatriate Disability Insurance in UAE 9
Cross Cultural Training in UAE for U.S. expats 6
International EAP in UAE for U.S. expats in UAE 7
International Workers Compensation Insurance UAE 9
Expatriate Property Insurance in UAE 9
Expatriate Liability Insurance in UAE 9
Kidnap and Ransom Insurance UAE 7
Emergency Security Planning / Evacuation Plan 6
Local Admitted Coverage Needed for Expatriates residing in UAE Yes
Place UAE Nationals under an offshore or U.S. expat plan No
UAE health insurance works for local nationals of UAE in the United States No
Repatriation of Remains UAE for Expatriates (insurance to return remains) 8

McKinley International provides expatriate insurance in the Emirate of Sarjah and well as international insurance for expatriates living in Dubai and Abu Dhabi.

The UAE is a country made up of various independent "States" of which Abu Dhabi and Dubai are the two most well known.

Health Authority in Abu Dhabi is called HAAD. Daman is Abu Dhabi's Government owned health insurance company. The amount of reimbursement by Daman to hospitals for almost every medical procedure is fixed and updated every two years. Over 18,000 procedures have a fixed reimbursement price. Daman health insurance is required for expatriates residing in Abu Dhabi so most U.S. expatriates living in Abu Dhabi will have two insurance plans; the Daman plan and an international medical insurance plan. This price schedule is called the MT. The mandatory health insurance plan in Abu Dhabi is called this Thiqu and both foreign nationals and expatriates living in Abu Dhabi are enrolled.

HAAD has made it mandatory for all insurance companies operating in Abu Dhabi to collect the unified number of the UAE identity card i.e. the Emirates ID card for members based in Abu Dhabi.

In order to meet the above requirement, insurance compaies are liable to collect Emirates ID number of all those employees who are covered under policies issued in the UAE including those for expatriates living in UAE where admitted insurance is required.

What is Emirates ID card?

Emirates ID card (also called the National Identity Card) is an identification card, issued by the Emirates Identity Authority (EIA) (EIDA), that all UAE citizens and expatriate permanent residents are required to obtain. It is necessary to produce the Emirates ID card to use UAE government health services and other services including compliant medical cover in the emirate of Abu Dhabi.

Emirates ID card (for expatriate residents) is linked to the UAE residence visa. Meaning that visa applicants will need to have an Emirates ID card first, or apply for Emirates ID card to have a residence visa.

As per EIDA – you will not be able to receive UAE government medical and other services and those without the card are liable to pay fine of AED 20 per day maximum of AED 1,000 should residents not have valid Emirates ID card.

Foreign nationals living in Sarjah (another State in UAE) are required to show proof they are insured for health insurance to receive treatment at public hospitals. The majority of those who receive treatment at private hospitals have an individual or employer-issued health insurance plan, due to high service costs at private hospitals.

Sharjah Emirate is in the process of establishing a Sharjah Health Insurance Authority (SHIA) to oversee development of the healthcare system within the emirate.

Sharjah is developing its own health system, separate from the other Emirates in UAE, even though Sharjah residents would be entitled to basic health insurance (including foreign nationals living in the country) under the proposed UAE Federal Health Insurance Law. The UAE Federal Health Insurance Law is the mandatory health insurance coverage policy that requires employers in all 7 emirates to provide basic health insurance coverage for national and foreign national employees.