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.


Expatriates living full time in Thailand need to consider more than just international medical insurance. A complete international risk management review will reveal other important areas of focus such as international workers compensation and international EAP or international employee assistance programs.

Expatriate health insurance Thailand
Expatriate health insurance Bangkok.
Expat medical insurance Thailand

Expatriate Insurance Thailand

McKinley International Risk Management works with individuals and organizations that need to provide medical insurance in Thailand for expatriate employees, for travelers to Bangkok and other cities in Thailand, and local nationals of Thailand.

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 Thailand and the region (where people are traveling and for how long.) Did we mention this is a free service, something the international consultants will charge you over $8,000 to do.

Expatriates in Thailand, work and visa issues

To be employed in Thailand as an expatriate, an expatriate must obtain a non-immigrant visa to enter.

The non-immigrant business visa automatically generates a maximum of 90 days upon entry during which the expatriate should apply for an extended permit to stay. Expatriates in Thailand must possess both a work permit and a permit to stay in order to work and stay in Thailand. The issuance of the work permit triggers the expatriates's liability to pay individual income taxes. At least 4 Thai workers must be employed for each expatriate employee hired. Also the company must have current working capital, in country, of a certain amount of which two million Thai Baht was a old limit.

Expatriates in Thailand will need an international medical and dental insurance scheme that works both in the home country and in Thailand. Local options are not appropriate for most expatriates.

Whether you are working full time in Thailand and need global health insurance, or just traveling for two weeks to Bangkok 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 Thailand, here is a list of useful information for anyone working or traveling to the region.

Expatriate Insurance Thailand 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 Thailand.

Expatriate Medical Insurance in Thailand a necessity? 10
International Medical Evacuation in Thailand (with assistance) 7
Expatriate Life Insurance in Thailand 9
Expatriate Disability Insurance in Thailand 9
Cross Cultural Training in Thailand for U.S. expats 8
International EAP in Thailand for U.S. expats in Thailand 7
International Workers Compensation Insurance Thailand 9
Expatriate Property Insurance in Thailand 9
Expatriate Liability Insurance in Thailand 9
Kidnap and Ransom Insurance Thailand 6
Emergency Security Planning / Evacuation Plan 3
Local Admitted Coverage Needed for Expatriates residing in Thailand No **
Place Thailand Nationals under an offshore or U.S. expat plan No
Thailand health insurance works for local nationals of Thailand in the United States No
Repatriation of Remains Thailand for Expatriates (insurance to return remains) 9

** (Non admitted insurance in Thailand) Section Seventeen of the Thai Non-Life Insurance Act (which is) B.E. 2535 (date 1992) provides that no person shall act as insurer by entering into a non-life insurance contract with any other person unless he or she has obtained a license to engage in non-life insurance business under this Act. There are no other provisions under Thai law prohibiting a Thai insured from entering into an insurance contract with a foreign insurance company or an unlicensed insurance company. However, an individual who would like to start an insurance business in Thailand is required to obtain a license similiar to what is required in the U.S.; otherwise such person will not be allowed to engage in insurance business in Thailand. This is because the focus of the Thai Act is only applicable to Thai insurance companies or foreign insurance companies having a branch office in Thailand.