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.


Holland, not a bad place at all to spend an expat assignment. Good quality healthcare and low kidnap risk. However, an international medical plan in the Netherlands will be necessary as will expatriate life insurance and expatriate disability insurance. Do not use the local market for U.S. expatriates in Holland.

If you have expatriates in the Netherlands or anywhere in the region, please call us for a free insurance review for Holland.

Expatriate Insurance Netherlands

McKinley International Risk Management works with individuals and organizations that need to provide medical insurance in the Netherlands for expatriate employees, for travelers to Amsterdam and other cities in Holland, and local nationals of the Netherlands and the EU.

Expatriates in Holland and foreign nationals attempting to enter the Netherlands may need to secure special insurance coverage locally in order to obtain the proper work visa. It may be possible to obtain a work visa in the Netherlands by showing proof of a recognized international medical insurance carrier, however it appears as if regulations are getting stronger and expatriates in the Netherlands will need to be enrolled in a locally admitted medical insurance plan in the Netherlands.

Please contact us for a free insurance and general international risk management consultation that will design a strategy that goes beyond global health insurance based on your exact international exposures throughout the Netherlands and the EU (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 the Hague and need global health insurance, or just traveling for two weeks to the Netherlands on vacation, anyone traveling or working abroad needs the right international medical insurance scheme, security program, and other insurance protection such as international life, disability, foreign workers compensation insurance, and medical evacuation. In addition to the proper expatriate health insurance for those living full time in Holland, here is a list of useful information for anyone working or traveling to the region.

Local National Insurance Netherlands

The Dutch system is similar to most of the EU, and is categorized as socialized, nationalized health insurance that is government run and mandated by law. The system is funded by contributions from the employee, the employer and the government as a percentage of salary.

To qualify for medical benefits in the Netherlands, the individual must have registered with an approved sickness fund. Eligible dependents are entitled to the same benefits as the insured person. Few employees take our supplementary private insurance in the Netherlands.

The compulsory health insurance law (# ZVW) requires all Dutch local nationals to take out basic health insurance with an annual deductible of at least 220 EU per person. The deductible is paid by the patient. Effective 1 January 2013, the deductible for those aged 18 and older will be increased to 350 EU per year. The legislation continues to allow Dutch residents to purchase coverage with higher deductibles at lower premium rates.

Expatriate Insurance Netherlands 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 the Netherlands 8
International Medical Evacuation in Holland (with assistance) 2
Expatriate Life Insurance in Holland 7
Expatriate Disability Insurance in the Netherlands 8
Cross Cultural Training in Holland 5
International EAP in Japan (employee assistance program) 4
International Workers Compensation 8
Expatriate Property Insurance in the Netherlands 7
Expatriate Liability Insurance in the Netherlands 8
Kidnap and Ransom Insurance Holland 3
Emergency Security Planning / Evacuation Plan 2
Local Admitted Coverage Needed for Expatriates in the Netherlands 9
Place Netherland Nationals under an offshore or U.S. expat plan that is not licensed in Holland NEVER**

** In the Netherlands, non-admitted insurance is not permitted and if a non-admitted insurer assumes Dutch risks, the premium tax payable on premium allocated to that risk is to be paid by the Dutch insured, not the non-admitted insurer. Article 2:27 of the Act on Financial Supervision prohibits any party having its seat in the Netherlands to perform the business of a life or non-life insurance company in the Netherlands without a license from the Dutch Central Bank. Moreover, Article 2:75 of the Act on Financial Supervision prohibits any party to advise on financial products, including insurance, in the Netherlands without a license from the Dutch Authority for Financial Markets. In addition, Article 2:80 of the Act on Financial Supervision prohibits any party from performing intermediary activities in the Netherlands without a license of the Dutch Authority for Financial Markets and Article 2:92 prohibits any party from acting as an authorized agent or delegated authorized agent in the Netherlands without a license of the Dutch Authority for Financial Markets.