International Group Insurance Products with Full Description:

Complete international risk managment may involved all of the items on the About Us page, not just expatraite employee benefits!

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:

This section to discuss expatriate insurance in China and provides resources to expatriates in China. The second section discussed expatriate insurance for Chinese nationals in the United States.


Expatriate Insurance in China, Resources can be found using the link below. Comments on the new laws affecting expatriates living in China below:

If you are an employer and need to provide international insurance for expatraites in China or you are an individual seeking quotes for international medical insurance in China (or Life, Long Term Disability, Medical evacuation in China or other benefits) please see the link below or contact us (above.) We specialize in much more than expatriate employee benefits which is just one of eight distinct parts of international risk management.

This section is being constructed and will be completed by November 1, 2009 with additional information on expat insurance china, and other information specific to the expatriate experience in China. However, please click the link below for the page on China and contact us if you have any questions. We are pleased to share what we know without retainers and consulting fees.

** Expatriate Insurance China Page Click Here

expat insurance china

What we are building regarding the China Expatriate Experience by October 2010:

  1. What makes being an expat in China different than anywhere else on earth
  2. Resources for expatriates in China
  3. Proper Plan design and insurance for China expats.
  4. Using local insurance providers in China if you are a foreign national in China.
  5. Chinese expatriate insurance for those working outside of China
  6. Insurance information for foreign expatriates working inside China.
  7. China expat medical plans. (Overview of what international medical plans are offered in China and the strenghts and weaknesses of each)
  8. Chinese expatriates working in the United States, what you need to know about insurance.
  9. Expatraite medical insurance China.
  10. What type of medical care is provided to foreigners living in China. Where to go and what to avoid.

In 2011, Expatriates forced to enroll in China national health insurance program (along with other benefits like pension and unemployment benefits in China!)

As of September 6th 2011, there are new regulations for expatriates in China that affect everyone. China’s Ministry of Human Resources / Social Security issued what is called the “Interim Measures for Participation in Social Insurance System by Foreigners Employed in China ‘Measures’,” which is effective in October, 2011.

Foreign nationals working in China MUST enroll in five kinds of insurance: pension insurance for employees, medical insurance for employees, international workers compensation insurance in China, unemployment insurance, and maternity insurance. Social insurance fees are be paid by both employers and foreign employees in accordance with the regulations.

The law applies to everyone with a Permanent Residence Certificate for Foreigners, or employment certificates such as the Employment Permit for Foreigner, the Certificate of Foreign Experts, or the Certificate of Permanent Foreign Correspondent.

Employers need to enroll employees in China in the new Social Security scheme in China in 30 days or less.

For foreigners who leave China prior to reaching the stipulated age for receiving pension, their social insurance individual account will be retained, and when they return to work in China, their contribution years will continue to accumulate. If the foreigner applies to terminate social insurance, he/she can receive the social insurance savings amount in his/her individual account in one lump sum. Upon a foreigner’s death, the sum remaining in his/her social insurance individual account can be inherited in accordance with the law.

For foreign employees from countries which have entered into social insurance treaties with China, their participation in social insurance will be handled in accordance with such treaties.

China Social insurance agencies will issue social insurance numbers and cards to foreigners.

Departments handling foreigners’ employment permits are required to report information related to foreigners’ employment in China to social insurance agencies.

Employers and Chinese entities that fail to register social insurance in time or pay social insurance fees on behalf of expatriates working in China and foreign employees will be penalized.

At this time 2011, it is unclear if expatriates working in Macau, expatriates working in Hong Kong, and expatriates working in Taiwan are subject to this new law for expatriates working in PRC.

McKinley International's Opinion on the new Chinese laws affecting expatriates working in China / China Social Security Scheme for expatriates:

The Chinese are very serious this time. If you want to stay working in China and keep your work permit, you will need to have enrolled in the China social insurance program and be contributing to the costs. Of course, those with a local payroll provider in China will not find the law hard to comply with, as a local payroll provider will make the appropriate withholdings and make the appropriate social insurance payments into the China Social Security Scheme.

What will be the cost of these new regulations on expatriates in China; between 20% and 30% over and above the salary an employer is paying. The contributions will be significant.

What does this mean for employers with expatriates in China. Simply, an additional burdensome expense. Employers will NOT disenroll expatriate employees from international medical plans like CIGNA International and AETNA Global Benefits. No expatriate will be satisfied using the Chinese national health insurance system that provides NO coverage outside of China and allows expatriates to use massive hospitals with 3,000 or more beds along side sick Chinese.

Will expatriate spouses use the maternity benefits giving birth surrounded by 10 other mothers to a ward. NO.

Will expatriates use the unemployment insurance. Of course not.

Will expatriates take advantage of the pension as they retire to China. Of course not. If you are not working in China you will be quickly removed. We don't see China developing into the next Costa Rica with 20,000 Americans comfortably retired taking advantage of the pension they accrued. Ridiculous.

Simply another price to pay for doing business in China.