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:

Expatriate Insurance Japan - Expatriate Medical Insurance Japan.

U.S. expatriates have been in Japan since 1945, and cultural issues still dictate whether and expatriate can complete a 3 year assignment in Japan. There is a lot to get used to for a foreigner.

International Medical Insurance in Japan

Japan's health care system for local national insurance is characterized by universal coverage, free choice of health care providers by patients, a multi-payer, employment-based system of financing, and a predominant role for private hospitals and fee-for-service practice.

Virtually all residents of Japan are covered without regard to any medical problems they may have (pre-existing conditions) or to their actuarial risk of succumbing to illness. Premiums are based on income and ability to pay. Although there is strong government regulation of health care financing and the operation of health insurance, control of the delivery of care is left largely to medical professionals and there appears to be no public concern about health care rationing.

Like the Australian, Canadian and many European health care systems, Japan's national health insurance program is compulsory.

Expatriate insurance in Japan

The laws regarding what expatriates need to do in maintaining appropriate health insurance to enter or stay in the country of Japan, working as an expatriate, seem to be changing in favor of the expatriate.

While the law states that all foreigners are required to join the medical insurance plan, it appears visa renewal no longer requires membership in the national insurance plan.

The existing laws still seem to be, expatriates staying in Japan for more than a year and is not covered with the Employer's’ insurance, and are obliged to apply for the National Health Insurance and also to produce the Alien Registration Card. They are also required to do the same if expatriates will be joining for an employees’ insurance scheme, going back to the country you belong, or moving to another town.

Beginning in early 2010, Japan got more strict on foreigners that enter the country without health insurance and are requiring that expatriates living in Japan enroll in the National Health Insurance plan in order to get or renew a work visa. However, it seems that on a case by case basis, exceptions will be granted and expatriates will be able to renew work visas based on the fact that they have a good expatriate medical insurance plan in Japan.

The Japanese system expects expats to pay back to their first day in Japan, or at least the first day of their second year in Japan despite never receiving any benefits for a period now past. As a result MANY expats who had never joined the national system, and others who have quit it due to excessive premiums (sometimes doubled ) compared to private insurers and their income have successfully had the provision regarding the requirement for membership in Japan's national health insurance as a condition for visa renewal REMOVED from the legislation.

For foreigners who are planning to stay in Japan for over one year, health care is one major factor that should properly be discussed. Perhaps one concern is finding hospitals in Japan that have English-speaking medical staffs. As more and more foreigners are starting to emigrate in Japan, the Japanese government in turn, took its part in providing quality health care for these expatriates. Much to the relief of the emigrants, Japanese hospitals today have a staff of English-speaking medical professionals.

All residents of Japan are required to be enrolled in the National Health Insurance Program. The two main types of health insurance is KOKUMIN KENKO HOKEN (national health insurance) and KENKO KOKEN (social insurance). Generally social insurance is for company employees and National Health insurance is reserved for students and the self employed. The National Health Insurance is the type most often used by expatriates in Japan. Premiums are based on taxable income.

In the Employee Health Insurance System, the employer deducts premiums from employees paychecks. In general, employers pay one half of the employee's premium contributions although some companies contribute more.

Since the national social insurance system covers nearly all of the population, individuals purchase private health insurance to supplement patient shared costs and to cover medical expenses which are not covered by the government scheme.

All employers must insure their employees against occupational death, disability or disease through the Workers Accident Compensation Insurance system.

Health insurance for foreigners in Japan is mandatory for those living one year or longer in Japan.

HIV testing is free and anonymous at any Hokenjo (public health center) in Japan.

Expatriate Insurance Japan 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.

Expatriate Medical Insurance in Japan 8
International Medical Evacuation in Japan (with assistance) 3
Expatriate Life Insurance in Japan 8
Expatriate Disability Insurance in Japan 8
Cross Cultural Training in Japan 10
International EAP in Japan 8
International Workers Compensation 8
Expatriate Property Insurance in Japan 8
Expatriate Liability Insurance in Japan 10
Kidnap and Ransom Insurance Japan 2
Emergency Security Planning / Evacuation Plan 2
Local Admitted Coverage Needed for Expatriates in Japan 9
Place Japanese Nationals under an offshore or U.S. expat plan NEVER

For those seeking earthquake insurance in Japan, either as a local national or expatriate living in Japan: In Japan, earthquake insurance coverage is not permitted as a stand-alone policy, and is only permitted as part of fire coverage on an owned dwelling.