Expatriate Insurance Afghanistan

McKinley International works with individuals and organizations that need to provide medical insurance in Afghanistan for expatriate employees, travelers to Afghanistan, and local nationals. Please contact us for a free insurance and general international risk management consultation that will design a strategy based on your exact international exposures (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 Kabul or are traveling for two weeks, anyone traveling to Afghanistan needs the right international medical insurance in Afghanistan. In addition to the proper expatriate health insurance for Afghanistan here is a list of useful information for anyone working or traveling to Afghanistan.

1. Medical evacuation insurance (lifeflight) is extremely important in Afghanistan. In most cases, nearest appropriate facility may be over a thousand miles away. Lifeflight in this country can easily eclipse $80,000. Although they will all say they do, not all medical evacuation companies for expatriates will be able to extract patients from Afghanistan with an equal amount of expertise. Send the wrong plane into Afghanistan and it most likely will be shot down!
2. An international medical insurance plan is very important for foreign nationals in Afghanistan. You need a program that works in the host country, regionally, and in the home country for return visits.
3. War risk and terrorism should not be an exclusion in any employee benefit program for an expatriate heading to Afghanistan. Most medical insurance and life insurance programs mention this as a specific exclusion which practically renders the entire program useless for any expatriate living in Afghanistan. Also, check the language on the employer sponsored Long Term Disability program for war risk and terrorism as well. If an employers group insurance program contain war risk and terrorism exclusion have a broker like McKinley International source quotes without these exclusions, perhaps from the Lloyd's of London marketplace.

Defense Base Act coverage in Afghanistan

Expatriates of any nationality working in Afghanistan on a U.S. government contract or for U.S. AID will be required to be extended DBA workers compensation insurance, a more robust form of international workers compensation insurance that is mandated by law in these situations.

Expatriate Insurance Afghanistan 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 Afghanistan.

Expatriate Medical Insurance in Afghanistan	10
International Medical Evacuation in Afghanistan (with assistance)	10
Expatriate Life Insurance in Afghanistan	10
Expatriate Disability Insurance in Afghanistan	10
Cross Cultural Training in Afghanistan	7
International EAP in Afghanistan	9
International Workers Compensation Insurance Afghanistan	10
Expatriate Property Insurance in Afghanistan	10
Expatriate Liability Insurance in Afghanistan	4
Kidnap and Ransom Insurance Afghanistan	10
Emergency Security Planning / Evacuation Plan for Afghanistan	10
Local Admitted Coverage Needed for Expatriates in Afghanistan	5
Place Afghan Local Nationals under an offshore or U.S. expat plan	Perhaps
Afghan healthcare system or local insurance works in the United States	There is no Afghan system
Repatriation of Remains Afghanistan for Expatriates (insurance to return remains)	10