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:

U.S. AID contractors range in size from one person entities to global non-profit organizations with hundreds of expatriates and NW D.C. addresses. They all have one thing in common: they have international group insurance needs for staff that spend time outside of the U.S. and these needs can be unique.

U.S. AID and other types of government contractors may be required by law to provide defense base act insurance (DBA Insurance) to both expatriates and local nationals that are employed as part of a U.S. State Department or Department of Defense government contact.

Yes, even local nationals qualify for defense base act insurance coverage / DBA insurance and it's the responsibility of the non-profit organization to make sure this form of international workers compensation is placed..

To find out how DBA insurance is different from regular foreign workers compensation please contact us.

International insurance for NGOs. International Insurance for PVOs. International insurance for non-profit organizations. (no matter what the name, the needs are the same)

International risk management for non-profit organizations in unlike any other global employer. It is not uncommon for a majority of the international staff to be working in countries where most insurance companies do not want to take the risk. The insurance choices available to these organizations can be severely limited if you are not working with a international insurance broker of quality. International workers compensation insurance for non-profit organizations can be a big problem for those that don't qualify for DBA via US AID.

International Risk Management needs unique to PVOs.

Non-profit organizations with international assignees and volunteers that work internationally have unique needs and we understand them because we have worked with NGOs for over 15 years. Relief organizations can have a particularly challenging time securing the proper expatriate group medical insurance because employees are often in "high risk" areas.

Hard to insure countries (at least from the insurer's perspective) are the norm with NGOs and PVOs. What are the issues for these groups and how can we assist with meeting your international risk management goals?

NGOs may have U.S. citizens working abroad and a mix of local hires and third country national expatriates spread out across the globe. Some of the most diverse groups we see come from non-profit organizations. In addition to the expatriates there may be many international business travelers in the organization that take frequent trips abroad. Making sure there are no coverage gaps can be particularly challenging for this sector.

There is no clear line between international workers compensation and the traditional medical plan. Leaving the proper mix of international benefits and support services to a U.S. broker that is not expert in these areas can be costly. There are many issues for you to consider and some are discussed below. Please contact us for a complimentary international risk management evaluation.

International brokerage for all non-profit needs.

Are you overpaying for your employee's traditional medical insurance because your carrier is not applying the proper discounts for your foreign workers compensation coverage?

First, most firms with employees or volunteers abroad on U.S. AID contracts will need to secure a level of foreign workers compensation coverage called Defense Base Act (DBA) to cover occupational injury or illness. This is a Federal law.

However, a bigger issue surrounding this coverage is that most carriers offering expatriate group medical plans to the same groups that have DBA workers compensation should be discounting rates substantially because of the existence of DBA. We almost always find that the traditional medical carrier is not applying the proper discounts or simply does not understand the issues surrounding DBA. McKinley International Risk Management can help you save 10% to 30% in these situations. Even if you do not have DBA coverage, but still have a solid foreign workers compensation plan in place, you need to make sure you are not "double paying" and that you are getting the appropriate discounts..

War Risk Insurance for NGO / PVO.

Do you have the proper "war risk" coverage for your global field staff? When was the last time you read through your carrier's exclusion list? Most policies have a very broad definition of what is excluded by their war risk exclusion. Many exclude claims that arise from all of the following: war (whether passive or active participation), civil-war, riot, civil commotion, police action, insurrection, or coup de' etat. (a far broader definition of what can be denied than what all of us consider a real war!!) Did you know the following?:

A carrier that has not removed the war risk exclusion in it's entirety can deny your claims based on all of the following:

Example 1. Your employee in Ethiopia steps on a land mine that was buried over 10 years ago. Even if tensions in that part of the country are completely calm, a land mine is an instrument of war. There would be precedent for this claim to be denied. A carrier does not need to "red flag" a certain country or alert the policyholder in order to deny a claim related to the war risk exclusion. Is this international workers compensation?

Example 2. Your international assignee in Ivory Coast is beaten during a disturbance in the streets. The policy exclusion may be worded in such a way that this could be classified as passive participation in a civil commotion and the claim could be denied leaving you holding a $10,000 invoice (or $30,000 or more if an air evacuation was necessary).

Example 3. A third country national employee in Congo is hit by a bullet. Because we know Congo's poor reputation (and so do the carriers) this is an example where a carrier may try to deny coverage when, unless there were other circumstances, the claim should probably be paid in full. Would your organization (or your domestic broker) know how to challenge this claim with the carrier and know what tactics to take to be successful? There are many other examples.

Biggest NGO problems Re: International Risk Management, Defense Base Act Insurance, more:

  1. Not understanding how at risk they may be from certain claims related to war or terrorism exclusions found in the insurance policies for expatriate group medical, life, disability, AD&D, etc
  2. Not understanding the policy language behind their international medical evacuation and assistance company with MEDEX, ISOS, Worldwide Assist, Mondial or other. There are many situations where you could be "stuck" holding a $50,000 medical evacuation.
  3. No knowledge that a good international workers compensation plan or DBA insurance should be offsetting premium rates charged by the "traditional" medical carrier.
  4. A lack of understanding of what needs to be done to properly cover volunteers and contract employees (basically anyone that is not a full time employee by traditional definition). Unless this is documented correctly, the insurer could deny a large claim because the insured, at the time of claim, does not qualify as an employee as the insurer has defined it. (Insurers typically only investigate large claims that affect their bottom line. Just because small claims have been paid in the past does not mean you are not exposed.)
  5. A failure to understand the laws behind DBA workers compensation insurance, a mandated form of international workers compensation required by some government contracts.
  6. Not providing adequate foreign workers compensation coverage for non-U.S. citizens, who in most cases cannot enroll in the U.S. domestic workers compensation plan available to U.S. citizens.
  7. A real difficulty securing the proper expatriate life insurance, AD&D, and disability coverage due to high risk countries or poor past claim experience. Not understanding how to use the Lloyd's of London market to solve many of these problems presented during the international risk management process.
  8. Not understanding the legal liability that "granting exceptions" to certain international assignees can bring by setting precedent that later cannot be rescinded. Common examples here include extending coverage after most other employees would be considered terminated or not imposing the standard employee waiting period before coverage can begin. For example, waiving the first of the month requirement following 90 days of service. Granting exceptions can be very costly later.
  9. Not understanding the traditional medical plan (even an expat insurance plan) does not cover work related injury or illness, or more importantly exactly where a claim becomes a foreign workers compensation claim. If an oil worker is injured by a drill bit we all know this is clearly a workers comp. claim, however most incidents are not so clear and can be a shade of gray. It's important to identify gaps between the policies and understand how to successfully negotiate a claim, if denied by a carrier.
  10. Many "optional" programs that have not been traditionally paid by the organization in the past, can be offered to expatriate employees that will be of great benefit to the employees while removing legal liability from your organization. These can be offered very quickly, easily, and for no cost to your organization. Examples would be international personal property protection, expatriate vacant homeowners, and overseas liability.