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 here, it's extremely important to have the right international insurance package, with international medical insurance in Argentina being the primary concern. Other programs will be necessary depending on how long the person will be residing in Argentina

If you have expatriates in Argentina, or you are an individual expatriate living in Argentina please call us for a free insurance review.

Expatriate Insurance Argentina

McKinley International works with individuals and organizations that need to provide medical insurance in Argentina for expatriate employees, travelers to Argentina, and local nationals or Argentina. 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 Buenos Aires or are traveling for two weeks, anyone traveling or working in Argentina needs the right international medical insurance scheme. In addition to the proper expatriate health insurance for those living full time in Argentina, here is a list of useful information for anyone working or traveling to Argentina. An international medical insurance plan is very important for foreign nationals and expatriates living in Argentina. You need a program that works in the host country, regionally throughout South America, and in the home country for return visits.

Non admitted coverage in Argentian is prohibited. Health care in Argentina is provided through private sector providers although a number of hospitals are government owned. An employer mandated structure exists for individuals who are eligible for coverage through unions and most individuals received coverage in this manner. The union sponsored coverages are known as Obras Sociales. Insurance carriers have not played a significant role in the overall market.

Expatriate Insurance Argentina 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 Argentina.

Expatriate Medical Insurance in Argentina 9
International Medical Evacuation in Argentina (with assistance) 5
Expatriate Life Insurance in Argentina 8
Expatriate Disability Insurance in Argentina 8
Cross Cultural Training in Argentina 7
International EAP in Argentina 7
International Workers Compensation Insurance Argentina 9
Expatriate Property Insurance in Argentina 9
Expatriate Liability Insurance in Argentina 7
Kidnap and Ransom Insurance Argentina 4
Emergency Security Planning / Evacuation Plan 4
Local Admitted Coverage Needed for Expatriates in Argentina 2
Place Argentine Nationals under an offshore or U.S. expat plan Never**
Argentine healthcare system works in the United States Never
Repatriation of Remains Argentina for Expatriates (insurance to return remains) 8
Auto insurance compulsory limits for Bodily Image and Property Damage $3,000,000
Operators of Vehicles insured: Insured covered and any licensed person driving with insueds permission U.S. Standard

** Argentina—Section 2 of Law No. 12,9888 and Section 23 of Law No. 20,091 provides that only insurance companies approved by the Superintendent of Insurance of Argentina may insure risks in Argentina.

** Argentina has historically prohibited non-admitted insurance so this is nothing new. The potential penalties for insuring or purchasing policies from a non-admitted or unauthorized insurer can be a fine of up to 25 times premium, payable by the insured and the producer; a fine of up to US $100,000, payable by the insurance company; the cancellation and voidance of the policy; and individual liability of officers and directors of the insurer and others involved in the transaction. Recently, Argentine insurance authorities fined an insured 8 times premium and fined a broker fifteen times premiums paid for illegally transacting life insurance business with an unauthorized foreign life insurer!