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Expanding UK Based DoctorCall Becomes An International Assistance Group Accredited Service Provider

With the increasing demand to have non-emergency medical consultations dealt with promptly for international clients, the International Assistance Group (IAG), has appointed DoctorCall as an Accredited Service Provider for the UK.

Seeing 10,000 patients a year, 40% of which are foreign nationals, DoctorCall is the longest and leading provider of private home visiting medical services for international visitors to the UK with its staff of 30 physicians.

Founded in 1989 as a private home call physician service solely in London, DoctorCall now includes an assistance department to help find those services around the UK, 24/7 telemedicine consultations plus their own clinics based in London’s financial business district and West End as well as Manchester. In the last two years their acquisitions have included: SOS Doctors, Night Doctor and the Dr Dorothy Kelly & Associates clinic.

DoctorCall serves assistance companies from around the world, each with differing cultural needs, such as The United States, Canada, Brazil, Argentina, Chile, China, Japan, Spain, France, Germany, Singapore, Australia, New Zealand, India, Pakistan, Saudi Arabia, Russia, and Ukraine.

“We are delighted to have DoctorCall as an Accredited Service Provider providing this level and scope of quality service to all our Partners in our global alliance,” said International Assistance Group’s General Manager, Cecile Hermetz. “Whilst this will be of immediate benefit we need to be mindful that the future acceptance of the European Health Insurance Card (EHIC) is still unknown after the UK’s exit from the EU in March 2019. The existing challenge of receiving non-emergency treatment in the UK will potentially increase and it is important to have solid options,” she added.

With a 90-minute call-out time in the Greater London area, DoctorCall has prided itself on offering the comfort of convenient treatment in privacy and at a fixed cost. Now, immediate 24/7 telephone consultations with a physician will enable the patient to be directed to a local practice elsewhere in the UK if necessary.

DoctorCall’s CEO Dr. Charles Levinson, expands on the demand services outside the public sector: “Strains on the public sector and demands from international clients signal an increasing need for our services. Having been established for a long period of time and with an eye on innovation in delivery, we have, and will continue, to meet those needs. We are proud to have attained Accredited Service Provider status within the International Assistance Group.” 

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AOC Insurance Broker Launch Revolutionary App Featuring International Health Insurance Comparative Search Engine With E-Health Services

AOC Insurance Broker, the leading international private medical health insurance comparator, is pleased to announce the launch of a revolutionary new mobile application featuring a comparative search engine for expatriates searching for health insurance and Healthtech services. The app has been christened AOC ExpatCare.

20/6/2017 and AOC Insurance Broker was awarded the Label finance Innovation by Finance Innovation & French Tech for its platform and a new application AOC Expat Care.

FINANCE INNOVATION is led by Mrs Christine Lagarde, Minister of the Economy and encourages the facilitation and development of innovative projects and research with high added value in the financial sector. AOC Expat Care allows users to compare insurance offers provided by the market and proposing electronic health services using IOT technology with the goal to be always more innovative and developing its services based on prevention.

Current or soon-to-be expats will be able to log-in from their smart phones and get a real-time comparative offer, depending on the country, package and medical benefits required.

This application has been designed to display real-time ascending price orders available on the market and to provide clear details on the benefits. Users will also have access to various and relevant information. And in case you may need to get specific information or expertise, you will be able to contact an AOC consultant 24/7.

The main highlight of this application and our reward program AOC The Family is to blend digital and human solutions for a tailor-made offer in the 3 following sectors with artificial intelligence & internet of things:

  • Your online health: direct access to remote consultancy, second medical expertise, tools to manage chronic and pre-existing conditions, health checks solutions etc…
  • Your online diet: proposing you diet and nutrition programs adapted to your needs.
  • Your online sports/P.E: possibilities with recording and monitoring your performances, your calories burnt during your training, to monitor your heartbeat or your sleep, among other innovative tools.

Users will be totally empowered and able to experience an extensive range of new tools and services on their connected wearables: watches, wristbands, scales, electro stimulators, cardio sensors…

These services will be available via fidelity points earned from our loyalty program “AOC The Family”. Points can be easily earned by subscribing to any of our services, including new subscriptions and contracts renewals or by simply advocating and recommending AOC Insurance Broker to your network.

With this new tool, AOC Insurance Broker is aiming at proposing unparalleled health services to individuals but also to corporates and international mobility workers thanks to an extensive panel of tailor-made programs.

AOC Insurance Broker: Get Better, Get Healthier. Website: www.aoc-insurancebroker.com

AOC Expatcare: www.aoc-expatcare.com

 

 

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UK Advisers Fear Economic Uncertainty And Market Volatility As BREXIT Looms - But Income Is Up As Firms Plan Expansion

  • More than twice as many advisers as last year say economic uncertainty is a key concern for the coming year
  • Nearly 4 in 5 (78%) fear market volatility leading up to Brexit
  • But over 30% report annual income of over £1m, compared with 26% this time last year
  • 45% are planning to recruit in the next year,  up from 40% a year ago, and 31% in March 2013
  • Despite the challenging macro environment and concerns around political upheavals, advisers see growing opportunities in retirement planning (75%), financial reviews driven by low interest rates (51%), and increasingly through employer clients (only 24% don’t advise vs 41% last year).
  • Financial stability of platforms is a growing factor for main platform choice – one third of advisers would consider changing platforms because of concerns about financial stability, compared with 24% in May 2015.

Aviva’s new Adviser Barometer shows a doubling in the number of advisers who say that economic uncertainty is a key concern, up from 21% this time last year. The same number also cited the impact of Brexit as one of their biggest concerns, and 39% also thought the Trump victory in the US election had a worrying potential for the future of the advice industry.

However, other indicators show that the financial advice market in 2016 continues to show signs of healthy growth. Over 30% of advisers report their firms’ income is over £1m, compared with 26% at the same time last year, and the number of advisers intending to recruit additional staff in the next year is the highest since the survey began. 45% say they intend to do this, compared with 40% a year ago, and only 31% in March 2013.

Tim Orton, CEO Aviva Adviser Platform, says, “It is no surprise that the sentiment reflected in our latest Adviser Barometer reflects the general uncertainty we’ve seen since the UK vote for Brexit and the Trump victory in the US election. In both cases we are stepping away from the status quo which inevitably invites speculation as to possible outcomes. The good news is that despite all this the advice market in the UK is continuing to thrive, with increasing incomes and plans for expansion reported, and of course the FTSE is at record levels which is good news for investment returns.”

However, there has been little actual change, in adviser or client behaviour, since the June 23rd vote.

84% of advisers report no additional demand attributable to the Brexit vote, and where this has been seen it is largely from clients requiring assurance only (77%). Of the others, 30% were looking to turn cash into investments with almost equal number (27%) doing the reverse (investments into cash).

But 78% of advisers say their main concern about Brexit is potential market volatility, and a further 35% say changes in regulation concerns them.

Only 2% of advisers have reviewed their providers following the Brexit vote, with advisers saying the main reason for staying put is wanting to use firms with more stability (46%), wanting to use UK-based firms (18%), and using firms with a diversified business (16%).

Concerns about the financial advice market, whilst continuing to reflect ongoing issues such as regulatory fees and levies (a concern for 54%) and PI costs (46%), have coalesced around macro factors. Although one in four are still concerned about staying profitable, this has shown a significant lessening of importance from a year ago, where 45% cited this as a key concern.

Tim Orton commented, “The most concerning factors for advisers in the next six months are the ramifications from Brexit and Trump’s presidency, but factors which advisers can control, such as remaining profitable, have become less of a concern for them. I think this is also a reflection of the way the market has grown and strengthened since our survey began back in December 2011. “What is coming through strongly is advisers saying they are putting measures in place to make sure they are in as good a place as possible to meet whatever challenges occur in the coming year – by sticking with financially strong, secure, diversified UK-based companies.”

OPPORTUNITIES

75% of advisers see growth in the retirement market as a main area of opportunity (up from 58% a year ago), and with 51% (vs 30% in November 2015) seeing the increasing need for regular financial reviews as key, there is now a definite focus on these areas in the coming year.

In contrast, growth in protection is cited by 18% of advisers as an opportunity this year, compared with 28% last year, and attracting orphaned customers is mentioned by fewer advisers, down to 19% from 24%.

Tim Orton says, “What is striking in this year’s survey is the polarisation of opportunities within the market. A large majority of advisers now consider retirement planning to be the best opportunity they have, but it is noticeable as well that advisers said frequent financial reviews are now more important than ever, with the low-interest rate environment driving a need for regular reviews to ensure clients are making the most of their investments.”

PLATFORMS

The number of advisers considering changing their main platform is slightly up from last year, with 14% saying they are considering this. However, this level has barely changed since September 2013.

Functionality remains the main reason for advisers considering change, but is relatively less important than previously, with 59% of advisers saying this is the main reason compared with 72% a year ago. Value for money, and cost, are both cited by 48% of advisers as a key reason which shows the importance of balancing these two related factors.

Perhaps as a reflection of the general sentiment of uncertainty, ‘financial strength’ has become more important as a factor behind wanting to change a main platform provider – 33% said this in November 2016, compared with 30% in November 2015, and 24% in May of that year.

Nearly all advisers (98%) conduct due diligence at least annually, with 4% saying they do it more often than that. 13% conduct due diligence with every new client.

Tim Orton commented,“It’s encouraging for us to know that due diligence is an integral part of BAU for advisers. In line with the survey findings we are seeing an increasing number of advisers concerned about the financial stability of their platform as part of their due diligence. At Aviva we’re here to stay and committed to investing in our proposition for the future, enhancing efficiency and functionality for our advisers and their clients.”

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Humana Reports 3RD Quarter 2016 Financial Results

  • 3Q 2016 earnings per share (EPS) of $2.98 on a GAAP basis, Adjusted EPS of $3.18
  • Full-year 2016 earnings per share guidance of approximately $8.68 on a GAAP basis; Adjusted EPS guidance of approximately $9.50 reiterated
  • Medicare Advantage and Healthcare Services businesses performing above expectations
  • Individual commercial and Group segment performance in line with management’s expectations
  • 3Q 2016 cash flows from operations of $4.50 billion on a GAAP basis, $1.47 billion on an Adjusted basis versus 3Q 2015 cash flows from operations of $1.03 billion (both GAAP and Adjusted)

“We are pleased that our third-quarter results enable us to reaffirm our recently-raised EPS guidance for 2016, which includes two meaningful guidance increases during the course of the year,” said Brian A. Kane, Senior Vice President and Chief Financial Officer for Humana. “These increases are largely attributable to our better-than-expected performance in Medicare Advantage and Healthcare Services and we believe our performance positions us well for 2017.”

“We continue to meet or exceed our initial 2016 earnings expectations across our portfolio of businesses, with the exception of our individual commercial business,” said Bruce D. Broussard, Humana’s President and Chief Executive Officer. “We attribute this over-performance to the effectiveness of our clinical programs and management’s top priority of operational execution notwithstanding the elongated regulatory review of the Aetna transaction.”

 

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AA Adds Another Layer Of Protection With Health Care With nib

The AA enters the health insurance market with the launch of AA Health, in partnership with nib, offering a suite of insurance products designed to provide additional layers of protection for Members and the public alike.

AA’s Membership and Brand General Manager Dougal Swift says AA Health is a natural fit for the Association.

“We’ve broadened our range of services significantly over recent years as we look for new areas where we can offer value for our Members and the public. We’ve offered home, car and contents insurance for many years as well as life insurance products and travel insurance and these have proved very popular,” Mr Swift says.

The initiative complements the existing offerings from AA Insurance and AA Life, both holders of the Reader’s Digest most trusted brand award in their categories for four years. AA Insurance also holds Canstar Blue Most Satisfied Customer Awards for both home and contents and car insurance categories. The AA also offers AA Travel Insurance.

“The free eye exam for AA Members at Specsavers has also been very successful so it made sense to expand our insurance offering into health where we can give customers the high level of care they expect from the AA,” Mr Swift says.

Since the launch of the Specsavers benefit in 2012, more than 450,000 free eye checks have been provided to AA Members, who are eligible for one every two years.

“We’re in the business of helping people and we want to be there when we’re needed the most. That’s been the core function of the AA for more than 113 years and AA Health is an extension of that thinking.”

The AA has partnered with nib to deliver three core products that provide customers with the ability to select a cover that suits their lifestyle and budget:

  • AA Health Everyday Cover
  • AA Health Private Hospital Cover
  • AA Health Private Hospital and Specialist Cover

Mr Swift says he expects one popular option will be private hospital cover. It comes with a range of excess options – up to $10,000 – which enables lower premiums while offering insurance against expensive procedures.

“It’s a good option for those who want the cover for major procedures but may find the cost of private health insurance prohibitive.”

nib New Zealand Chief Executive Officer Rob Hennin says the health fund is excited to join forces with one of New Zealand’s most trusted organisations to offer Kiwis private health insurance under the well-known AA brand.

“This relationship with an iconic Kiwi brand is an example of how we are bringing new thinking to the New Zealand private health insurance market in an effort to grow the industry,” Mr Hennin said.

As an added benefit, AA Members will receive a 5% discount on the cost of any AA Health product.

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Medical Treatment Costs In Asia September 2016

The latest news from Pacific Cross Insurance looks at medical costs in Asia, September 2016.

Pacific Cross Insurance brings over 65 years of experience in the health and travel insurance industry to clients throughout Asia. Pacific Cross Insurance is a leading provider of health, personal accident and travel insurance products and services to people and organizations that live and work internationally.

Pacific Cross Insurance is part of Pacific Cross International, a group with operating entities in Hong Kong, the Philippines, Thailand, Vietnam, Indonesia and Cambodia.

Pacific Cross International currently provides health insurance to over 75,000+ people, representing over 50 nationalities living in over 40 countries. In 2014 the group provided travel insurance for 2,642,514 travel days for over 200,000+ people. 

Over the past 25+ years Pacific Cross Insurance has expanded to offer worldwide coverage for Health Insurance, Dental Insurance, Personal Accident Insurance, Travel Insurance and various tailor-made policies for health and accidental risk for employees of businesses that operate in Asia.

Started in June 1990, Pacific Cross Insurance contracts various administrative services to third party administrators located in Hong Kong, Philippines, Thailand, Indonesia and Vietnam.

Pacific Cross Insurance maintains a wide Direct Billing Network of hospitals, clinics and medical facilities across the Asia Pacific region.

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Peer To Peer Insurance

Now fully updated for 2018 the Peer To Peer Insurance report from insurance analyst Ian Youngman, is out now. The Peer To Peer Insurance report looks at the background, potential, problems, and regulation, as well as profiles of every known peer-to-peer platform.

  • Learn why no part of the insurance value chain is safe;
  • Understand distribution, pricing, product development, underwriting, claims servicing and compliance in P2P Insurance;
  • Discover who are the companies and providers threatening the value chain;
  • Understand the problem of balancing consumer protection with innovation;
  • Find out how P2P insurance works and how to make money;
  • Look at why ignoring peer-to-peer insurance is not advisable;
  • Explore new forms of technology that are driven by a social insurance model;
  • Learn about the role of Block chain technology and Bit coin.

Report author Ian Youngman comments, “Peer to peer insurance is very new and often misunderstood: with even many platform founders confused if they are an insurer, broker, techie idea - and whether they are legal or illegal. Regulators are taking notice - with some being very supportive and others preparing to close platforms they consider to be illegal. Peer to peer will stimulate change and make insurance quicker, simpler and more transparent. As in direct insurance decades ago, one or two of the newcomers will become national or international successes; while others will be taken over by existing insurers, and those insurers who ignore the lessons will die."

The insurance ecosystem is undergoing transformation and innovation like never before, and what we have seen is only the beginning.

From distribution to pricing, product development to underwriting claims servicing to compliance — no part of the insurance value chain is safe from change.

Insurance companies will need to work hard to transform their core operations to become agile and low cost and customer centric. Some will meet a Blockbuster/Kodak type fate by failing to transform properly. Those that succeed in their transformation will have both scale and agility and will thrive.

FinTech is a spectrum of technology innovations and start -ups that demonstrate disruptive potential in applications, processes, products, or business models in the financial industry.

As FinTech continues to develop and evolve, providing solutions to insurance, it faces a problem of balancing consumer protection with innovation. Unlike other areas of technology, FinTech requires a certain degree of fiduciary duty to their users – bringing questions of regulation, security, and compliance to the forefront.

The sharing economy is developing peer-to-peer insurance. Peer to peer lending was laughed at by bankers- now they scramble to offer loans and buy loan books. Will insurers and brokers regret ignoring peer-to-peer insurance?

Some platforms are built to work with insurers and re-insurers, but others have built them out of the mix. There are over 40 platforms globally and others on the way. Lemonade has just launched in New York to be the first peer to peer insurer in the USA.

Peer to peer insurance is a new form of technology driven by a social insurance model. Some platforms are well thought out, others are by techie dreamers with no understanding of regulation, law or insurance.

Most peer-to- peer platforms are - or wrongly claim to be - neither broker nor insurer, so how do they work and how to they make money? Why is a mutual promise to pay not insurance? How does Blockchain technology and Bitcoin fit into this mix?

The basis is creating a series of separate pools, unconnected to each other, so each pool only pays its claims, with none of the traditional cross subsidisation of traditional insurance. Some require payment but others are just promises to pay.

The regulation in most countries is often unclear and several regulators are already looking at the implications.

Platforms are active or being launched in Australia, Canada, China, Colombia, Czech Republic, France, Germany, Hong Kong, Ireland, Italy, Japan, Montenegro, Netherlands, New Zealand, Norway, Singapore, South Africa, Switzerland, Taiwan, UK and USA.

Platforms seek to cover business, cars, homes, technology, health, life, liability, cycles, marriage, pets, relocation, income protection, hospital cash and deductibles.

Ian Youngman is an insurance writer and researcher who has published many market reports.

How To Buy Peer To Peer Insurance

iPMI Magazine readers save when they purchase this specialist report via iPMI Magazine. iPMI Magazine offers the lowest rate available on the net for this report due to its ongoing relationships with leading market analysts and IPMI experts. You will not find these prices any where else but here.

Peer To Peer Insurance Pricing

Peer2peer Insurance is 250 pages.The RRP as sold else where is £1699. iPMI Magazine subscribers pay only £1300. iPMI Magazine advertisers pay only £1000.

Order Now

Fill in the quick form here or write to ipmiATipmimagazine.com - please replace AT with @ - for more information. We will be more than happy to walk you through the report contents and answer any questions you may have.

Further insurance reports by Ian Youngman are available via the iPMI Magazine report store. Click here to shop now.

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No Part Of The Insurance Value Chain Is Safe From Change

That is, according to Peer To Peer Insurance 2016, the new report from insurance analyst Ian Youngman.

The insurance ecosystem is undergoing transformation and innovation like never before, and what we have seen is only the beginning.

From distribution to pricing, product development to underwriting claims servicing to compliance — no part of the insurance value chain is safe from change.

Insurance companies will need to work hard to transform their core operations to become agile and low cost and customer centric. Some will meet a Blockbuster/Kodak type fate by failing to transform properly. Those that succeed in their transformation will have both scale and agility and will thrive.

FinTech is a spectrum of technology innovations and start -ups that demonstrate disruptive potential in applications, processes, products, or business models in the financial industry.

As FinTech continues to develop and evolve, providing solutions to insurance, it faces a problem of balancing consumer protection with innovation. Unlike other areas of technology, FinTech requires a certain degree of fiduciary duty to their users – bringing questions of regulation, security, and compliance to the forefront.

The sharing economy is developing peer-to-peer insurance. Peer to peer lending was laughed at by bankers- now they scramble to offer loans and buy loan books. Will insurers and brokers regret ignoring peer-to-peer insurance?

Some platforms are built to work with insurers and re-insurers, but others have built them out of the mix. There are over 40 platforms globally and others on the way. Lemonade has just launched in New York to be the first peer to peer insurer in the USA.

Peer to peer insurance is a new form of technology driven by a social insurance model. Some platforms are well thought out, others are by techie dreamers with no understanding of regulation, law or insurance.

Most peer-to- peer platforms are - or wrongly claim to be - neither broker nor insurer, so how do they work and how to they make money? Why is a mutual promise to pay not insurance? How does Blockchain technology and Bitcoin fit into this mix?

The basis is creating a series of separate pools, unconnected to each other, so each pool only pays its claims, with none of the traditional cross subsidisation of traditional insurance. Some require payment but others are just promises to pay.

The regulation in most countries is often unclear and several regulators are already looking at the implications.

Platforms are active or being launched in Australia, Canada, China, Colombia, Czech Republic, France, Germany, Hong Kong, Ireland, Italy, Japan, Montenegro, Netherlands, New Zealand, Norway, Singapore, South Africa, Switzerland, Taiwan, UK and USA.

Platforms seek to cover business, cars, homes, technology, health, life, liability, cycles, marriage, pets, relocation, income protection, hospital cash and deductibles.

This report looks at the background, potential, problems, and regulation, as well as profiles of every known peer-to-peer platform.

Report author Ian Youngman comments, “Peer to peer insurance is very new and often misunderstood: with even many platform founders confused if they are an insurer, broker, techie idea - and whether they are legal or illegal. Regulators are taking notice - with some being very supportive and others preparing to close platforms they consider to be illegal. Peer to peer will stimulate change and make insurance quicker, simpler and more transparent. As in direct insurance decades ago, one or two of the newcomers will become national or international successes; while others will be taken over by existing insurers, and those insurers who ignore the lessons will die."

Ian Youngman is an insurance writer and researcher who has published many market reports.

Peer2peer Insurance is 250 pages.The RRP is £1699. iPMI Magazine subscribers pay only £1300.

Order Now: Fill in the quick form here or write to ipmiATipmimagazine.com - please replace AT with @

RELATED PEER TO PEER INSURANCE NEWS: NEW P2P INSURANCE REPORT - Peer To Peer Insurance 2016

No Part Of The Insurance Value Chain Is Safe From Change

Peer To Peer Mutual Platform Targets Health Insurance 

Peer To Peer Insurer Lemonade Launches In New York

Read more...

Peer To Peer Mutual Platform Targets Health Insurance

In China, a new model, mutual aid, is on the rise. Different from insurance, members on mutual aid platforms can lower the cost and increase their claim payment through mutual financial assistance and risk sharing.

Users can join this new mutual assistance plan with an advance deposit of only 10 yuan and get a repayment up to 300,000 Yuan. If there are 1 million users, when someone applies for 300,000 Yuan as mutual aid money, each user only needs to share 0.3 Yuan.

Zhongtuobang is the largest mutual aid platform in China with over 1.7 million members, which implemented blockchain technology when going online and launching in 2016.

Qiao Ke, founder of this Shanghai platform, says, " Mutual aid is assistance from the majority to the minority in case of low-probability events such as cancer and accident."

Zhongtuobang has launched multiple mutual aid products including Anti-Cancer & Disease, Travel Accident, Dad & Mom Mutual Aid, Women's Health and a Students Comprehensive Plan.

Ian Youngman, author of new report "Peer to Peer Insurance 2016" says, "This is not an insurer and not a broker but a promise to pay mutual platform that falls between current regulatory sectors. Chinese regulator CIRC, having just cracked down on peer-to-peer lending platforms with new rules and scaring owners by showing them Shanghai prison, has issued dire warnings to customers about the dangers of using such mutual help platforms. CIRC is believed to be working urgently on new legislation to ensure only regulated platforms can stay open."

RELATED PEER TO PEER INSURANCE NEWS: NEW P2P INSURANCE REPORT - Peer To Peer Insurance 2016

No Part Of The Insurance Value Chain Is Safe From Change

Peer To Peer Mutual Platform Targets Health Insurance 

Peer To Peer Insurer Lemonade Launches In New York

Read more...

The Health Insurance Group Revenue Up By 5%

The Health Insurance Group announced its 2016 half year trading results:

  • New business sales up 8% vs H1 2015, to £7.1m (Annual Premium Income)
  • Product portfolio increased by 8% vs H1 2015, to £124.7m (Annual Premium Income).
  • Revenues up 5% vs H1 2015, to £7.5m.

Brett Hill, Managing Director for The Health Insurance Group said, "Against the backdrop of a fiercely competitive private healthcare market and economic uncertainty we are delighted to report strong increases in sales, portfolio and revenues for 2016."

"In a varied yet progressive year we have continued innovating our core private healthcare programmes focusing on wellness and prevention while diversifying our expanding product portfolio, adding employee assistance services and specialist kidnap & ransom cover for international workers.  Meeting the obligations of auto-enrolment has posed a challenge for some SMEs, and we have made sure that we are able to support them in meeting their commitments through our partnership with Johnson Fleming."

"While the market will remain challenging and clients continue to make ever greater demands from us for excellence in service delivery, product diversity and value, the business remains resilient and continues on an upward trajectory.  We enter the second half of the year with some exciting innovations in development, giving us optimism and confidence that we are continuing to offer the kind of insurance solutions that meet the needs of our many UK and international retail, SME and small corporate clients."

Read more...
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27-09-2018 Articles Case Studies

Mafuwe Evacuation – Elephant Roadblock

Awesome Air Evac (AAE) was recently requested to evacuate a patient with a suspected broken pelvis from a bush camp in the South Luangwa National Park in Zambia. There were no medical facilities or resources available in the area to assist the patient, so AAE dispatched an emergency medical doctor and intensive care nursing sister to stabilize and evacuate the patient to...

03-09-2018 Articles Case Studies

It’s In The Genes For International Medical Insurance Providers

Marco Giacomelli, CEO of Generali Global Health (GGH), believes the IPMI market should be embracing genetic tests to better manage the health of members. With genome testing for cancer patients included as an optional service within GGH’s range of Global Choice products, he explains how this procedure will transform the way members can be treated in the future. We introduced genome testing...

18-07-2018 Articles Case Studies

Multinationals Prepare For The Future Of Work With Focus On Mobile Talent

As a result of the digital era, aging populations, skills shortages, and unpredictable political and economic contexts, the landscape of global business is changing as are jobs that are critical for the future of work. Multinationals are embracing this transformation by focusing on mobile talent and assessing the cost of expatriate packages for their international assignees. According to Mercer’s 24th annual Cost...

02-07-2018 Articles Case Studies

Assistance Company Tackling Unnecessary Helicopter Rescues In Nepal

As it does every spring, a temporary city of tents was erected at the foot of the world’s tallest peak, Mount Everest. Climbers and tourists from around the world - some paying upwards of $50,000 - made this once in a lifetime trip to Basecamp. A pilgrimage. For some, it’s a staging area to the highest point on the planet...

27-06-2018 Articles Case Studies

Keeping Employers and Clients Informed: The US Tax Reform

Let’s clear up some misconceptions regarding changes to US tax laws, or more specifically, things that stay the same. In the era of misinformation, detail is key to being prepared. And companies must be ready to steer their clients and members in the right direction. The Affordable Care Act aims to incentivize every person in the United States to acquire a...

28-03-2018 Articles Case Studies

The Economy of Exclusivity Within the Pharmaceuticals Industry

Written By Armando A. Diaz, Writer, WellAway Limited. Inflation in the pharmaceutical field is rampant and shows few signs of slowing. Hide your wife, hide your kids and show your wallet, the rate of increase is growing for both hospital and non-acute settings and is expected to rise by close to 8% in 2018. Specialty medication such as “biosimilars” and “orphan drugs”...

27-03-2018 Articles Case Studies

Special Transports With ECMO Worldwide By Air Ambulance and MICU Ground Ambulances

The life expectancy of mankind is rising on a global scale like never before in history. The reasons are multifactorial but the most important factors accounted for this fact are better hygiene, the availability of better nutrition and for the developed countries, the benedictions of modern medicine. With an aging population we face new challenges in regards to support the...

01-03-2018 Articles Case Studies

The United States Welcomes Bermuda With The US Insurance Seal Of Approval

A short two-hour flight east of the United States lies the beautiful island of Bermuda. This small, yet powerful territory has qualified jurisdiction status from the NAIC, (National Association of Insurance Commissioners). This status breeds many benefits, among them, the reduction of collateral requirements for its reinsurers who do business in the US, a victory for entrepreneurs and beneficiaries alike. Where did it all...

06-02-2018 Articles Case Studies

Fears Of A Tsunami In Alaska Prompt The Issue Of A Level 4 Alert

Fears of a tsunami in Alaska on 23rd January prompted the Healix GSOC to issue a Level 4 alert to client’s employees in affected areas. Craig Webb, Security and Political Risk Analyst at Healix International talks about what happens behind the scenes when such a risk is identified, illustrating the value of Healix Active Monitoring. At 00h31 (local time) on 23rd...

26-01-2018 Articles Case Studies

Omani Expatriates Run For Coverage

Don’t bother trying to get off the plane in Oman if you do not have expatriate health insurance. Following the government’s recent announcement, you need to have coverage in place before arriving. Only 12.3% of the workers in the private sector of Oman’s workforce are natives to the country. This means that a whopping 87.7% of the workforce are expatriates, foreigners...

05-01-2018 Articles Case Studies

Global Expansion Of 2nd.MD Innovative Expert Opinion

Second opinions can save lives, and that’s exactly what 2nd.MD is doing by facilitating interactive video consults in the second opinion marketplace. Now reaching 46 countries and covering more than 12 million lives, 2nd.MD performs more expert medical consultations than any other service in the market. Facts and Figures The facts of misdiagnoses and medical error are startling. In the United States...

20-09-2017 Articles Case Studies

Discover The Best Practices In Travel Risk Management

Today’s interconnected world and global economy means that increasing numbers of employees are required to travel extensively overseas, often for long periods of time, to multiple destinations and frequently to very unfamiliar environments. In this white paper Healix International helps us navigate the maze that is travel risk management and explains the fundamental elements of a professional Travel Risk Management Program. An employer’s ‘Duty of...

21-07-2017 Articles Case Studies

Expats, Health Insurance, Impats And Immigrants

We All Know What Health Insurance And Expatriate Mean, Or Do We? Leading iPMI analyst and report author Ian Youngman offers his personal view on the meanings, with a reader warning that what is correct in one country or continent may be wrong in another. Those using Google Translate: you may end up with something else entirely! HEALTH INSURANCE The media, and...

17-05-2017 Articles Case Studies

How Well Are You Preparing Your Staff For Overseas Assignments?

The past couple of years have been a stark reminder that as companies and business operations continue to expand overseas, the risks to their travelling employees are greater than ever before. The “Breaking News” of another terrorist attack is often impossible to predict in a corporate setting. However, there are arguably more important aspects to employee safety that are often...

10-05-2017 Articles Case Studies

Protecting Your Staff Who Work Or Live Abroad With Nugent Santé

As a specialist intermediary, Nugent Santé predominantly advise and arrange private medical insurance for corporate, SME and personal clients, whether based globally or in the UK. We are based in Preston, Lancashire, and are an appointed representative of one of the largest private medical insurance intermediary agencies in the market, Chase Templeton. Nugent Santé Chairman, Paul Nugent, has been a key figure of Chase Templeton...

27-04-2017 Articles Case Studies

Is International Medical Insurance The Right Choice?

The chances are that you are moving around the world from one assignment to another, so getting an international medical insurance plan that can travel with you will save you from having to switch insurers with each new country that you visit. This will give you the luxury of building up a relationship with one insurer who knows you and your medical...

25-04-2017 Articles Case Studies

What Are The Benefits For Global Brokers, Agents And Intermediaries If They Add International Private Medical Insurance (IPMI) To Their Insurance Product Portfolio?

For worldwide insurance brokers, agents and intermediaries that may be interested in IPMI market entry we asked an executive round table of leading insurance underwriters and providers of IPMI about the benefits brokers may expect if they add IPMI to their insurance product portfolio. Aetna International, Generali Global Health, HealthCare International and Wellaway all had something to say: Damian Lenihan, Aetna International:...

12-04-2017 Articles Case Studies

From A Brokers Perspective The International Private Medical Insurance (IPMI) Market Is An Opportunity Ready To Be Taken

That is, according to Andrew Apps, Head of Global Healthcare at Bellwood Prestbury, when we asked why do global brokers, agents, intermediaries and independent financial advisers choose not to sell international private medical insurance?, at a recent IPMI broker round table. The Round Table Business Forum spoke to leading IPMI C-suite executives at the heart of global PMI about IPMI distribution trends and...

11-04-2017 Articles Case Studies

The Evolving Face Of Health Insurance In The UAE

Written by Simon Isgar Partner Kennedys LLP. Kennedys is an international law firm with expertise in litigation and dispute resolution, particularly in the insurance/reinsurance and liability industries. With over 1,500 people worldwide across 27 offices in the UK and Europe, Middle East, Asia Pacific and the Americas, they have some of the most respected legal minds in their fields. Individuals and organisations resident in the United...

21-03-2017 Articles Case Studies

Do IPMI Insurers Purchase Medical Assistance, Air Ambulance And Logistics Services Based On Cost Or Quality?

It was Genichi Taguchi an engineer and statistician who said cost is more important than quality but quality is the best way to reduce cost. Everyone likes a good price but when your life is in someone else's hands, how much is too much? iPMI Magazine asked the international air ambulance industry this exact question in the recent round table business forum...

28-02-2017 Articles Case Studies

Terms Of Payment, Real Time Info And Communications Tops IPMI Provider Needs

In the recent iPMI Magazine round table business forum International Medical Evacuation and Repatriation Strategies we spoke with the insurance, assistance and air ambulance industry and discussed which policies and procedures may be improved between IPMI payors and providers. This isn't the first time iPMI Magazine has asked this question, and once again, terms of payment make an appearance. The general consensus is...

28-02-2017 Articles Case Studies

Can IPMI Insurers And Medical Evacuation And Repatriation Service Providers Work More Efficiently Together?

We all like efficiency - getting things done quickly and easily. In the international private medical insurance business efficiency can make all the difference in the golden hour, when an expatriate has an accident on assignment, or a tourist falls ill on holiday. But how efficient is the process from incident to claim to actual healthcare service access? iPMI Magazine recently...

28-02-2017 Articles Case Studies

Why Is Emergency Medical Evacuation And Repatriation Insurance Coverage Essential For Offshore Workers, Expatriates, Business Travellers And Tourists?

In a recent exclusive iPMI Magazine round table business forum looking at air ambulance medical evacuation and repatriation services, we asked those at the heart of the global IPMI business why is emergency medical evacuation and repatriation insurance coverage essential for offshore workers, expatriates, business travellers and tourists? As always, the answers were extremely interesting: Andrew Apps, BELLWOOD PRESTBURY: Emergency medical evacuation insurance...

28-02-2017 Articles Case Studies

What Are The Advantages And Disadvantages Of A Typical International Private Medical Insurance Plan?

In 2014 iPMI Magazine asked leading C-Suite Executives from the international private medical insurance (IPMI) industry what are the advantages and disadvantages of a typical international private medical insurance plan? The dialog and debate took place at the International VS Local private medical insurance round table, and in typical iPMI Magazine fashion, the commentary was extremely interesting. GREGOR SCHULTE, GLOBALITY HEALTH: The...

28-02-2017 Articles Case Studies

Video: 2016 Air Passenger and Freight Market Analysis

Full-year global passenger traffic results for 2016 shows demand rose 6.3% compared to 2015 (or 6.0% if adjusted for the leap year). This strong performance was well ahead of the ten-year average annual growth rate of 5.5%. Capacity rose 6.2% (unadjusted) compared to 2015, pushing the load factor up 0.1 percentage points to a record full-year average high of 80.5%. A...

08-02-2017 Articles Case Studies

What Does BREXIT Mean For The International Private Medical Insurance, Assistance And Air Ambulance Industry?

With so many opinions and "reports" on BREXIT, iPMI Magazine speaks with leaders from the fields of insurance, assistance and air ambulance and asks, What Does BREXIT Mean For The International Private Medical Insurance, Assistance And Air Ambulance Industry? Ian Youngman, IPMI Analyst: The problem with Brexit is that no politician in the UK, USA or Europe actually knows what is...

27-01-2017 Articles Case Studies

Crisis In Kuwait

Tuesday, 06 September 2016 and iPMI Magazine reports that the Health Minister of Kuwait announced that the fatwa and legislative department had given the green light to setting up a separate healthcare system for expatriates under a new medical insurance scheme. The contract is meant to help ease the burden on the current health system and is in line with the...

25-01-2017 Articles Case Studies

Healthcare Service Charges Increase By 500% For Expatriates In Kuwait

More unrest in the expatriate community in Kuwait where health minister Dr Jamal Al-Harby has prepared a new price list for healthcare service charges for expatriates and visitors - by mid Feb charges are set to increase by almost 500%! Kuwait officials allege that some expatriates and visitors only visit Kuwait to receive medical treatments, from routine check-ups to more complex surgeries...

25-01-2017 Articles Case Studies

What Are The Main Complexities Of Conducting International Evacuation And Repatriation Missions?

According to global medical assistance and claims providers CEGA, there has been a 30% year-on-year rise in demand for privately-funded medical repatriations. Heart problems, long term illnesses and complex fractures are among the most common medical ailments at the source of private repatriations, according to CEGA, with demand spanning areas as diverse as southern Asia, the Caribbean and mainland Europe. "The demand...

06-01-2017 Articles Case Studies

Businesses Insure Vehicles And Office Contents But Often Fail To Protect Employees On International Assignments

In 2017 duty of care is a legal and moral obligation, but how can the international private medical insurance industry assist global employers fulfill their duty of care obligations? The Corporate Manslaughter and Corporate Homicide Act 2007 is a landmark in law and for the very first time, companies can be found guilty of corporate manslaughter as the direct result of serious management failures resulting in...

06-01-2017 Articles Case Studies

Learn More About Emergency Medical Evacuation And Repatriation Insurance Plan Coverage

In an ever riskier world, emergency medical evacuation and repatriation insurance coverage is essential, for offshore workers, expatriates, business travellers and tourists, but why? In a recent exclusive iPMI Magazine round table business forum, we asked those at the heart of global healthcare what they thought. As always, the answers were extremely interesting: Fiona Greenwood, ROWLAND BROTHERS INTERNATIONAL: National and international travel for...

06-01-2017 Articles Case Studies

Medelinked And Integra Global Put The Consumer At The Centre Of Healthcare Delivery

In a way prescient of how health services will need to be delivered in future, international health plan provider Integra Global has worked with Medelinked to provide a secure online platform that empowers its customers to take control of and manage their healthcare and health state; and to view, update and provide trusted medical professionals with tailored access to their...

28-10-2016 Articles Case Studies

Peer To Peer Insurer Lemonade Launches In New York

Lemonade, the US's first peer-to -peer insurance company, has been licensed as a full insurance carrier by New York State. NY homeowners and condo owners and renters can now get insured and settle claims instantly, anytime and from any device. "Technology drives everything at Lemonade" said Shai Wininger, President and co-founder. "From signing up to submitting a claim, the entire experience...

23-09-2016 Articles Case Studies

Kuwait To Launch New Expatriate Healthcare System

The Health Minister of Kuwait Ali Al-Obaidi announced Monday that the fatwa and legislative department has given the green light to setting up a separate healthcare system for expatriates under a new medical insurance scheme. A draft contract has been approved by the fatwa department, which the ministry plans to sign with the Health Insurance Hospitals Company, in order to...

06-09-2016 Articles Case Studies

Understanding PMI And IPMI Market Size Per Country

One of the most frequently asked questions we get asked at iPMI Magazine is what is the size of market for PMI and iPMI by country, and globally? Before we answer that, answer the following 2 questions: If a Frenchman living in London buys an IPMI policy from a French broker who uses an Irish insurer that is part of a German group...

21-04-2016 Articles Case Studies

Hacks Tax and Expatriates

Panama law firm announces major data hack. Resignation of Icelandic PM. Swiss police raid Uefa offices. 20 global leaders alleged to have used tax havens. British PM gives 5 different answers to questions on finance after allegations that his father paid no tax for 30 years then eventually admits he profited from father’s offshore fund. China shuts down the Internet...

08-04-2016 Articles Case Studies

Where There's A Will, There's A Way

Aviva‘s latest Family Finances Report highlights very clearly the lack of planning people generally have in place should they die. It also reveals that although families know they should plan ahead for the inevitable, they find it difficult to have those important conversations.  The report suggests that 62% of people feel that death is a taboo subject. These figures are borne out...

11-03-2016 Articles Case Studies

Insurance Companies And Products As We Know Them Today Will Have To Evolve

That's according to Griselle Chernys, CEO, at Wellaway, who took an executive seat on a recent iPMI Magazine round table business forum. Although global risks have changed dramatically, medical inflation and the cost of employee benefits continues to cause concern. In the most recent iPMI Magazine Round Table Business Forum we spoke with leading C-Level executives from the world of International Private Medical...

20-12-2015 Articles Case Studies

Self-Insured Funding – Is This The Right Option For Your Company?

With rising premiums and reduced benefits to employees, many employers are deciding to self-fund their healthcare benefits, in order to avoid costly healthcare reform mandates, taxes, and inflated insurance carrier profit margins.  Nearly 60% of employers in the USA, of all sizes, self-fund their healthcare plans, states the Employee Benefit Research Institute.  The question remains, “Is self-funded the right option...

04-09-2015 Articles Case Studies

The IRS Moves Towards Implementing The Cadillac Tax

Regardless of the opposition of congressmen, brokers, and employers, on July 30th, the United States Internal Revenue Service (IRS) issued another notice on the Cadillac Tax, which will go into effect in early 2018.  Notice 2015-52 Section 49801 – Excise Tax on High Cost Employer-Sponsored Health Coverage addresses additional topics and issues related to the Cadillac Tax, which will seriously impact...

04-09-2015 Articles Case Studies

What Is Important When Designing Maritime And Marine Medical Health Insurance Plans?

There are more than 1.5 million seafarers in the world. A majority of these seafarers now have a right to be protected through national laws and practices applying the MLC, 2006 to the ships on which they work. Title 4 of the MLC covers Health Protection, Medical Care, Welfare and Social Security Protection. From August 20th 2013 all vessels over...

26-08-2015 Articles Case Studies

Critical Considerations When Designing Individual International Private Medical Insurance Plans

Introducing a business into new emerging markets is the response from worldwide business owners to the preeminent mega trend that is globalisation. Establishing a global footprint may be of pivotal importance to a wide range of industry, and according to PWC, cross-border assignments are showing no signs of a slowdown. In fact, 59% of CEOs plan to send more staff on...

26-08-2015 Articles Case Studies

What Are The Key Differences Between An iPMI And A Local Insurance Plan?

In a recent International Private Medical Insurance Magazine executive round table business forum, we spoke with leading C-Level executives about the major differences between international private medical insurance plans and local insurance plans. As expatriate hot spots around the world continue to mandate insurance cover for expatriate employees, under various visa and employment laws, questions from the business community continue to...

26-08-2015 Articles Case Studies

Shipping Losses Lowest For 10 Years But Mega-Ships And Cyber-Attacks Pose New Threats For Maritime Sector

75 large ships lost worldwide in 2014, down by a third year-on-year. South China and South East Asian waters top loss hotspots. Increasing size of container ships and floating offshore facilities could cause larger losses exceeding $1 billion. Cyber risks a growing concern in shipping sector, particularly around e-navigation. Crewing levels, Arctic shipping, the increase in human trafficking by sea...

26-03-2015 Articles Case Studies

U.S. Employers Expect Health Care Costs to Rise 4% in 2015

Companies plan to continue subsidizing and managing benefits while taking aggressive action to keep costs down. U.S. employers expect a 4% increase in 2015 health care costs for active employees after plan design changes, according to global professional services company Towers Watson (NYSE, NASDAQ: TW). If no adjustments are made, employers project a 5.2% growth rate, putting absolute cost per person...

21-08-2014 Articles Case Studies

How Can Corporations Improve And Manage The Life Cycle Of Their Expatriate Workforce?

It isn't easy living as an expat and a mix of social, economic and personal circumstances can lead to failure and return. This is one of the big hidden costs of expatriation. The expat quits the assignment and wants to return to their country of residence. On return, they may also leave the company forcing downtime, time and economic expense and...

21-08-2014 Articles Case Studies

What Has The Maritime Labour Convention Meant For The Insurance Industry?

The Maritime Labour Convention 2006 (MLC 2006) was adopted at a Maritime session of the International Labour Conference (ILO) in 2006 and came into force on 20th August 2013. There are more than 1.5 million seafarers in the world and a majority of these seafarers now have the right to be protected through national laws and practices, applying the MLC 2006 to...

21-08-2014 Articles Case Studies

Defining International Assistance In 2014

International tourist arrivals grew by 5% in 2013, reaching a record 1,087 million arrivals. Despite the current global economic climate, international tourism results were well above expectations, with an additional 52 million international tourists travelling the world in 2013. For 2014 the UNWTO forecasts 4% to 4.5% growth, above the long term projections. Demand for international tourism was strongest for destinations...

20-08-2014 Articles Case Studies

Managing Risk And HR Asset Protection In The Oil And Gas Industry

The recent Al-Qaida attack on a natural gas facility and subsequent hostage situation in Algeria, represents some of the extreme dangers Oil and Gas workers face 365 days a year. Originally published 29/1/2013. Militants stormed the Tigantourine natural gas facility near In Amenas with dozens of people killed. Tragically when Algerian military forces stormed the facility, more fatalities were caused. This dramatic...

06-03-2014 Articles Case Studies

The Advantages of Telemedical Consultation

Written By Frank Reuter, Reuter Consulting http://www.reuterconsulting.com Telemedical consultation, which may also be referred to as telemedicine or telehealth consultation, focuses on providing patients with the best possible telephonic advice, independent of the location the caller is in. This method of advice is already common in the United Kingdom and Switzerland and is gaining international momentum. The use of telemedical providers plays an...

19-08-2013 Articles Case Studies

International Assistance Group Core Partner AA International Evacuates Shotgun Wounded Tourist

AA International, Core Partner of the worldwide network of assistance companies, International Assistance Group, received a request from a German Assistance company requesting to organise a medical evacuation of an injured German National from Jayapura, Papua to Singapore. AA International immediately organised the appropriate team and its own air ambulance, a Learjet 35A, for the mission. AA International departed with an...

19-08-2012 Articles Case Studies

International Assistance Group Core Partner ihi Bupa Evacuates British Road Crash Victim from Somalia

A 53-year old British ihi Bupa Travel member was recently involved in a serious road accident in Somalia. Once at the ER in a local hospital, the member’s friend contacts ihi Bupa’s 24-hour assistance service team requesting an air ambulance evacuation. Shortly after the member has been evaluated, ihi Bupa’s medical consultant speaks to the treating doctor. This is the...

19-08-2012 Articles Case Studies

Air Medical Transportation Europe

  Düsseldorf 08:00 AM: A call comes in to operations of Jet Executive, JEI: a 30 year old man vacationing on Mallorca, Spain is suffering from a fracture of leg and rip after a motorcycle accident. While speeding on the highway he hit a pole. The girlfriend of the patient was sitting in the back but luckily she didn’t have any...

01-02-2012 Articles Case Studies

Business Trip Security Development Of Company Risk Management Plans

Written By Frank Reuter, Reuter Consulting http://www.reuterconsulting.com Companies are often careless about “Business Trip Security”. Only few purchase adequate travel insurance programs. Efficient risk management for employees and for the company itself is the exception. This is considered negligent as organizations have a general statutory duty of care towards their employees. The “EU Corporate Manslaughter and Homicide Act”, which is planned...

19-11-2011 Articles Case Studies