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:

Inpat Insurance Needs: Foreign Nationals Coming into the U.S. and other inpat concerns.

What the heck is an inpat (short for inpatriate), and where did the term come from? For years, an inpat referred to a foreign national coming into the U.S. to work, study, or travel. However, the term inpat is being expanded to include any foreign national coming into a country, from the home country perspective. For example, if you are an executive at Dannon France and you hire a Brazilian to work in Paris, the Brazilian is an inpat to the French Management.

Inpat Insurance, Specifically for Foreign Nationals in the United States for 1 year or more

When global employers bring foreign nationals into the United States for over 6 months, the biggest question that comes up regarding inpat insurance is whether to localize the foreign nationals into U.S. programs or to provide separate employee benefit programs for inpats..

Should inpats have their own medical plan or other benefits, or should they be treated like U.S. citizens from the moment they get off the plane? When to use dedicated programs depends, but they should never be treated like the U.S. staff in every way if they have arrived in the U.S. from another country. Please keep reading below to consider some of the special needs of foreign nationals in the United States.

Where are your "inpats" coming from / health insurance in the U.S. for foreign nationals

How quickly they can be localized depends on where in the world they are coming from. British nationals may be able to immediately put into the U.S. PPO health insurance plan while Chinese nationals in the U.S. should be given an international medical insurance plan while they are in the U.S.

As a rule of thumb, we recommend an international medical insurance plan for foreign nationals working in the U.S. from 3 months to 2 years. These plans are easier for the foreign national to use, and can offer global coverage to the expatriate when they return to home country, or perhaps they have a spouse living back in the home country who needs benefits. A foreign national in the U.S. for under 2 years may not understand our managed care system, or need to provide insurance to dependents back in the home country. Dependents may follow the employee to the U.S. 6 months to a year after the employee has arrived. Also, the employee may spend quite a bit of time back in the home country. A U.S. medical plan is of no help to a Chinese national that spends 6 weeks a year back home in China, and as a "local national" they would not be eligible for travel health insurance plans.

Inpat insurance and policy issues; other considerations when bringing foreign nationals into the United States.

Does the company have specific expatriate policy surrounding inpats and foreign nationals coming to the U.S.? If not, they should have an inpat assignment manual. The purpose of this manual would be to explain what the company is providing the inpat in the U.S. and what the new employee is expected to provide on their own. Also, inpat policy and procedure would also act as a mini reference manual for foreign nationals in the U.S. to help explain our society from an insurance and risk perspective covering topics such as these:

  1. The need to get a U.S. drivers license and abandon the international drivers license as soon as possible
  2. The need to secure property, and more importantly, personal liability insurance for inpats as soon as possible using homeowners insurance or renters insurance.
  3. Explain how the medical and dental program works in the U.S. with emphasis on the needs of the foreign national in the United States: does the plan work if the foreign national returns to the home country or leaves the U.S.? Does the plan cover dependents outside of the United States?

For more information on expatraite policy creation and expatriate handbooks please see www.expatpolicy.com