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.

 

Santiago Chile, a very beautiful city! Expatriates residing in Chile will need an international medical plan that works both in Chile and back in home country equally. We specialize in expatriate medical insurance for Chile

If you have expatriates in Chile or anywhere in Latin America, please call us for a free insurance review.

Expatriate Insurance Chile

If you are an expatriate relocating to Chile or an employer sending employees to work in Chile as expatriates, or hiring Chilean local nationals, McKinley International Risk Management can be of unique assistance. We are one of the few international insurance brokers licensed to assist with both international employee benefits and international risk management.

General Healthcare in Chile

The public health insurance option, The National Health Care Fund (FONASA), is controlled by the Chilean Ministry of Health. There are also many private insurance companies, called Instituciones de Salud Previsional (or ISAPRE). ISAPREs cover the cost of care through a network of private physicians and hospitals.

Those without health coverage can be treated at no charge at the public hospitals, where the service and facilities are not as advanced as those offered by the private sector. In general, private medical care is good, although it may not meet the very high standards of North America or Europe.

Those citizens who can afford it and expatriates purchase private health insurance, which affords them access to modern, well-equipped medical facilities and practitioners.

The following hospitals and medical clinics in Santiago, the capital city, are good facilities:

  • Hospital Clinic University of Chile, Tel.: 2-633-2051
  • Clinica Alemana, Tel.: 2-210-1111
  • Clinica Las Condes, Tel.: 2-210-4000
  • Clinica Indisa, Tel.: 2-362-5555
  • Clinica Santa Maria, Tel.: 2-461-2000
  • Catholic University Clinic, Tel.: 2-633-4122

Expatriate Healthcare in Chile / General Insurance

Expatriates in Chile will need to have an international medical program that will allow for treatment in Chile, and back in the home country. Enrolling into the local system if one is there long enough is possible, but coverage will not be provided outside of Chile, and never back in the United States at the election of the patient.

Most expatriates will carry medical evacuation insurance but for the most part, it may not be used very often in Chile because the "nearest appropriate facility" in Chile that can treat serious conditions adequately, is almost always via ground transportation and not medical international airlift.

For expatriates living in Chile, cultural tips:

Keep in mind the following behavior while in Chile:

  • ·     If you yawn in public, be sure to cover your mouth.
  • ·     It is considered rude to ask someone you met what they do for a living.
  • ·     Do not point with the index finger. If you must point to something, use the entire hand.
  • ·     Do not throw something to someone but rather hand items.
  • ·     Do not pound your right fist into your open left palm. This is an obscene gesture.
  • ·     Do not appear aggressive or loud.
  • ·     Do not raise the right fist to head level. (A Communist sign.)
  • ·     Business cards are exchanged after the initial handshake.
  • ·     Have one side of your card translated into Spanish.
  • ·     Present your business card with the Spanish side facing the recipient.
  • ·     Business cards are treated with respect. Keep your cards in pristine condition.
  • ·     When handed a card, study it for a bit before putting it down.
  • ·     It is a good idea to put cards in a business card case rather than in your pocket.
  • ·     Business attire is conservative and colors are not bright.
  • ·     Chileans take great pride in their appearance and expect the same of visitors·

In summary, Chileans are conservative and avoid ostentatious behavior. They dress conservatively and are reserved and formal in business. Being described as serious and sombre are positive attributes in Chile. Even their fiestas are somewhat restrained when compared to their Latin neighbors.

Expatriate Insurance Chile 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 Chile.

Expatriate Medical Insurance in Chile 9
International Medical Evacuation in Chile (with assistance) 5
Expatriate Life Insurance in Chile 8
Expatriate Disability Insurance in Chile 8
Cross Cultural Training in Chile 7
International EAP in Chile 7
International Workers Compensation Insurance Chile 9
Expatriate Property Insurance in Chile 9
Expatriate Liability Insurance in Chile 7
Kidnap and Ransom Insurance Chile 4
Emergency Security Planning / Evacuation Plan 4
Local Admitted Coverage Needed for Expatriates in Chile 2
Place Chilean Nationals under an offshore or U.S. expat plan Not Advised
Chilean healthcare system or ISAPRE works in the United States Never
Repatriation of Remains Chile for Expatriates (insurance to return remains) 8

Private health system (ISAPRE) insured living in Chile currently pay different premiums for health products based on age, sex, and health risk. Proposed legislation on the table would create a guaranteed health plan (called plan garantizado de salud, PGS) to include a set of services and products available to everyone within a particular Isapre at the same price as well as at a universal premium (prima comunitaria) without regard to sex, age, or other health factors. Insurance risk would be spread among the insurance companies through a solidarity fund (fondo compensatorio solidario) to redistribute resources from Isapres with higher costs to those with lower costs. Employee contributions would remain 7%, however premiums would now be paid per beneficiary versus per contributor (i.e. a family of 4 would pay 4 times the universal premium). Employers do not contribute.

Conservative Demeanour For the most part, Chileans are conservative and avoid ostentatious behavior. They dress conservatively and are reserved and formal in business. Being described as serious and sombre are positive attributes in Chile. Even their fiestas are somewhat restrained when compared to their Latin neighbors. 

For more information on the Chile ISAPRE system (Chilean ISAPRE healthcare system) please contact McKinley International.