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.

For an in depth review of these international group insurance topics, please review each of the 4 white papers below:

Expatriates and contractors in Iraq will need to be under an international health insurance program for expats. U.S. life insurance in Iraq and disability insurance in Iraq needs to be an international plan as well because typical U.S. exclusions would prevent a claim payment in Iraq under the war risk clause.

This section provides information on expat insurance in Iraq, DBA insurance Iraq, and health insurance for government contractors in Iraq.

Expatriate Insurance Iraq - Contractor Insurance in Iraq Overview.

International group insurance in Iraq for Expatriates is a world different from from most countries, and of course more challenging. Here we discuss the issues relevant to putting expats in Iraq from an insurance, security and employee benefits perspective.

Whether you are an employer with expatriate in Iraq or an Individual, we can be of assistance in making sure the proper international insurance schemes match the risk. This is not a country where you want to be caught off guard and find out your insurance does not work.

You have the need for expatriate insurance in Iraq, and the proper security plan for U.S. citizens and Third Country Nationals in Iraq.

The most important consideration when talking insurance for someone that has been assigned there is international workers compensation insurance in Iraq also called international foreign voluntary insurance.

For employers with employees in Iraq on a State Department or Department of Defense Insurance Contract, a level of foreign workers compensation insurance called DBA will need to be provided by law. DBA stands for Defense Base Act Insurance in Iraq. This is a comprehensive level of international workers compensation insurance that is required by law under these government contracts. Insurance needs to be extended not just to expatriates but to all local nationals in Iraq as well.

At this time, non-DBA workers compensation may or may not be available in Iraq depending on the insurance market. All non-DBA workers comp in Iraq will be extremely expensive.

FACT 1: U.S. or home country workers compensation insurance plans will not protect people working iin Iraq and special coverage is required.

Regarding regular or traditional expatriate health insurance in Iraq, there are now many global insurers that provide good coverage with and without the war risk rider, that removes the standard war risk exclusion in an insurance policy. The top companies that provide expatriate medical insurance in Iraq include CIGNA International, AETNA Global Benefits, Lloyd's of London (certain Syndicates), BUPA International, and Allianz.

Finally, Iraq is one of a few countries where security is a much larger issue than even international health insurance. Any company employing Americans or Europeans in Iraq should have implemented a Kidnap and Ransom insurance plan that would provide not only a "kidnap benefit" expressed in a certain amount of money, but but importantly the consulting services that come with the kidnap benefit. For more information on kidnap & ransom insurance please follow this link.

Expatriate Insurance Iraq 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 Iraq.

Expatriate Medical Insurance in Iraq a necessity? 10
International Medical Evacuation in Iraq (with assistance) 10
Expatriate Life Insurance in Iraq 10
Expatriate Disability Insurance in Iraq 10
Cross Cultural Training in Iraq for U.S. expats 8
International EAP in Iraq for U.S. expats in Iraq 10
International Workers Compensation Insurance Iraq 10
Expatriate Property Insurance in Iraq not available
Expatriate Liability Insurance in Iraq not available
Kidnap and Ransom Insurance Iraq 10
Emergency Security Planning / Evacuation Plan 10
Local Admitted Coverage Needed for Expatriates residing in Iraq No
Place Iraq Nationals under an offshore or U.S. expat plan Possibly
Iraq health insurance works for local nationals of Iraq in the United States No
Repatriation of Remains Iraq for Expatriates (insurance to return remains) 10