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Think Insurtech And INSquary Forge Partnership

Insurance companies are keen on working only with those intermediaries who are fully compliant with the corresponding regulations.

The EU requirements (GDPR and IDD) act as a benchmark for such regulations. These companies are constantly looking for solutions which could facilitate and simplify the process of their increasingly demanding due diligence in terms of verifying the regulatory compliance of their partners.

In this context, the two innovative companies Think Insurtech and INSquary announce a partnership.

RELATED READING: iPMI Magazine Speaks With Olivier LE FAOUDER, CEO And Brian S. Piper, Co-Founder - Strategic Business Development, Think Insurtech

Think Insurtrech, through its SaaS platform, offers insurers, providers and brokers a platform to manage the compliance of the distribution of health insurance with the aforementioned regulations. This platform manages their commitment through a community, along with the digitization of the customer journey from the electronic signature to the online payment.

INSquary has developed an internet platform, accessible in SaaS mode on subscription. This allows distributors and outsourced services to assess the compliance of their practices with the regulations in effect. The process is as follows: 

  • A questionnaire is followed by the submitting supporting documents in a secure “virtual binder”.
  • The risk carriers (insurers) or wholesale brokers then learn about these “virtual binders”.

INSquary has a multilingual platform that presents several versions of questionnaires: a “global” version (based on European regulations) and “local” versions (based on national regulations).

The partnership between the two companies aims to use their complementing features and abilities to help their users, the professionals in the insurance sector, to comply with international compliance regulations in the best possible manner.

About INSquary:

INSquary is a "RegTech", awarded by Finance Innovation, which uses the potential of digital technology to facilitate and secure relations between insurers and their partners (intermediaries, outsourced services) concerning the dematerialized formalization of agreements and compliance of their regulatory obligations. INSquary aims to be the benchmark platform for "KYD" (know your distributor) at European level. Website: www.insquary.com.

Press contact: Rémi Villiers-Moriamé, CEO.

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Cellphone: +33 (0) 6 87 23 71 10

About Think Insurtech:

Think Insurtech (LF Finance SAS a part of AOC Insurance Broker group) is a software publisher specialized in PMI & IPMI with a SaaS Platform to manage A to Z the distribution of medical insurance (Individual/families module – Corporate module – Community platform module – Compliance module - Travel Insurance module API) in a global and connected environment. We offer a comprehensive approach and process in working with clients to place both international and domestic healthcare cover including group life and protection.income

Website: www.thinkinsurtech.com

Press contact: team@thinkinsurtech.com

Phone: + 33 (0) 1 49 97 8038

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FBNInsurance Partners With Collinson To Launch International Health Insurance Plan

FBNInsurance, a Nigerian life insurer and a member of the SANLAM group, has partnered with Collinson to launch SmartHealth International, a market specific international health insurance product for critical medical conditions. 

Addressing the health insurance gap in the Nigerian market between domestic and international health insurance products, FBNInsurance and Collinson have collaborated on the design of SmartHealth International, which will deliver a suite of new affordable health insurance products aimed at Nigerian employers desirous of protecting and giving peace of mind to its employees and their families.

NAICOM approved, SmartHealth International, is designed to complement local healthcare cover by providing cover for treatment abroad should an employee or family member develop a critical medical condition that cannot be adequately treated in Nigeria.

FBNInsurance, a leader in Life insurance in the country, delivers products that help customers enjoy the peace of mind that comes from managing the risks of everyday life and the introduction of a health insurance proposition complements its portfolio strategy. With national presence in strategic geographical locations across the country, FBNInsurance will market SmartHealth International across Nigeria, whilst partnering with Collinson to leverage its in-house international insurance and assistance expertise to provide international access to an extensive network of Collinson certified medical providers.

Understanding the drivers for affordability, and at a time when provision for adequate healthcare and peace of mind has never been more top of mind, SmartHealth International is an affordable solution for the treatment of complex and critical care treatments. The proposition has been designed to cater for  specific critical complex medical events such as cancer and those requiring renal, orthopaedic and neurosurgery, as well as serious trauma injuries sustained in road traffic accidents. These collectively are the primary medical conditions for which Nigerians are currently leaving the country to seek medical care abroad.

Each case will be individually case managed and assessed, working closely with attending doctors in conjunction with Collinson’s expert international medical team. Depending on the level of cover purchased, eligible policyholders will be flown to South Africa, India or the UK, and even North African countries, where Arabic speaking is required.  

Speaking about the Launch, the Managing Director/CEO of FBNInsurance, Val Ojumah said “At FBNInsurance, one of our primary objectives is to help people, businesses and communities get back on their feet when the unexpected happens and it has never been more pertinent than now to offer our customers more choice and peace of mind when it comes to their healthcare. We are delighted to be launching this proposition in partnership with Collinson. Our teams have collaborated to develop a unique and affordable international healthcare solution that not only caters for critical medical conditions that cannot be adequately cared for in Nigeria, but also delivers innovation locally across health insurance product design”.

In addition, Lawrence Watts, Head of Insurance at Collinson, commented “Our health and the health of our loved ones has never been more top of mind and so Collinson is proud to be partnering with FBNInsurance to give their Nigerian clients access to optimum international healthcare whilst maintaining value for money. At a time when the demands of even the best of healthcare systems globally are under pressure, it’s vital to provide healthcare alternatives to consumers, particularly in markets where we have identified a gap between domestic and international cover.”

 

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Pacific Prime Acquires CXA Group's Brokerages

Insurance brokerage Pacific Prime has solidified its foothold in Asia Pacific by acquiring the Hong Kong and Singapore brokerage arms of CXA Group, an insurtech company that has exited this sector to focus on its cloud-based enterprise SaaS business. The acquisition deal took place on February 4th, 2021.

CXA's insurtech business is backed by HSBC, Singtel Innov8, the Singapore Economic Development Board's investment arm EDBI and B Capital Group, the venture firm of Facebook co-founder Eduardo Saverin.

The acquisition of CXA Group’s brokerage arms in Hong Kong and Singapore is a breakthrough, as Pacific Prime seeks to continually expand in the Asia Pacific region and globally. The acquisition gives Pacific Prime the technology to offer full-flex and simplified flex solutions to all of its clients around the world.

Neil Raymond, CEO of Pacific Prime, welcomed this move, “CXA Group has expertise that we can benefit from, particularly in using technology to transform the employee benefits landscape. I believe this makes us the third biggest employee benefits broker in Singapore and Hong Kong after the mergers of Aon-WTW and Mercer-JLT. This acquisition propels us towards our long-term objective of being the leading global employee benefits specialist.”

Rosaline Chow Koo, CEO of CXA Group, said, “We’re confident to leave our Hong Kong and Singapore brokerage arms with Pacific Prime, as we share the same commitment to being technology-driven.”

Historically, Pacific Prime has built all of its own insurtech in-house; 15% of its 600 staff are IT-focused. This insurtech approach has been largely responsible for Pacific Prime's growth over the past decade. The technology it is acquiring as part of the CXA deal is extremely complementary to Pacific Prime's in-house technology, and will allow Pacific Prime to offer employee benefits flex solutions to large multinationals, as well as smaller SMEs.

The acquisition will serve to bolster Pacific Prime’s employee benefits and compensation technology, enabling global HR teams to simplify plan administration across multiple jurisdictions and leverage valuable insights from data, as well as streamline total rewards management.

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iPMI Magazine Provider Network Directory February 2021

The February 2021 edition of the iPMI Magazine Provider Network e-Directory is out now, featuring over 85 pages of international private medical insurance and assistance company intelligence.

The iPMI Magazine network consists of a wide range of leading international medical payors and service providers, on call, 24/7 to assist you manage worldwide medical risks during a global pandemic.

The international medical network covers all sectors of the global medical insurance business, and you can use the directory to source new partners and service providers. Simply use the the contact details within the network directory to connect with new partners and customers. 

IPMI Market Network Sectors: IPMI, Assistance, Air Ambulance, Cost Containment And Claims Management, Funeral Directors, Ground Ambulance, Insurance Technology, Healthcare Insurance Management and Pharmacy Benefits Management.

    Enter full screen click the small rectangle above ↑

The IPMI market use the iPMI Magazine Provider Network Directory to source the best information and data on international private medical insurance payors and providers. They may be searching for a new partner, looking for a contact number of a current provider, or researching the payor and provider market for future cross border network development.

Classifications include: IPMI, Assistance, Air Ambulance, Cost Containment And Claims Management, Funeral Directors, Ground Ambulance, Healthcare Insurance Management and Pharmacy Benefits Management.

Current Advertisers 

Click a company name below to visit their micro web site on iPMIM and learn more or download the brand new e-directory using the above link. To add your business to the e-directory and launch a micro website please write to David Bond, CIO, iPMIM on ipmi[at]ipmimagazine.com

PAYORS AND PROVIDERS IN FOCUS:

IPMI

ASSISTANCE

AIR AMBULANCE

COST CONTAINMENT AND CLAIMS MANAGEMENT

FUNERAL DIRECTORS

INSURANCE TECHNOLOGY

HEALTHCARE INSURANCE MANAGEMENT

PHARMACY BENEFITS MANAGEMENT

 

 

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iPMI Magazine Provider Network Directory January 2021

The January 2021 edition of the iPMI Magazine Provider Network e-Directory is out now, featuring over 85 pages of international private medical insurance and assistance company intelligence.

The iPMI Magazine network consists of a wide range of leading international medical payors and service providers, on call, 24/7 to assist you manage worldwide medical risks during a global pandemic.

The international medical network covers all sectors of the global medical insurance business, and you can use the directory to source new partners and service providers. Simply use the the contact details within the network directory to connect with new partners and customers. 

IPMI Market Network Sectors: IPMI, Assistance, Air Ambulance, Cost Containment And Claims Management, Funeral Directors, Ground Ambulance, Insurance Technology, Healthcare Insurance Management and Pharmacy Benefits Management.

    Enter full screen click the small rectangle above ↑

The IPMI market use the iPMI Magazine Provider Network Directory to source the best information and data on international private medical insurance payors and providers. They may be searching for a new partner, looking for a contact number of a current provider, or researching the payor and provider market for future cross border network development.

Classifications include: IPMI, Assistance, Air Ambulance, Cost Containment And Claims Management, Funeral Directors, Ground Ambulance, Healthcare Insurance Management and Pharmacy Benefits Management.

Current Advertisers 

Click a company name below to visit their micro web site on iPMIM and learn more or download the brand new e-directory using the above link. To add your business to the e-directory and launch a micro website please write to David Bond, CIO, iPMIM on ipmi[at]ipmimagazine.com

PAYORS AND PROVIDERS IN FOCUS:

IPMI

ASSISTANCE

AIR AMBULANCE

COST CONTAINMENT AND CLAIMS MANAGEMENT

FUNERAL DIRECTORS

INSURANCE TECHNOLOGY

HEALTHCARE INSURANCE MANAGEMENT

PHARMACY BENEFITS MANAGEMENT

 

 

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Global Excel Achieves SOC 1 & 2 Type I Certification

Global Excel Management Inc., a leader in Healthcare Risk Management, today announced that it is now officially SOC 1 & 2 Type I compliant across the organization.

The SOC 1 Type I report provides organizations with assurance that internal and connected external reporting controls are properly designed and in place. The SOC 2 Type I report examines a consistent set of parameters around third party IT services,
including Privacy, Confidentiality, Processing Integrity, Availability and Security.

“Healthcare data is highly sensitive and personal by nature and protecting that information for our clients and their members has always been a top priority for Global Excel. Achieving SOC 1 & 2 Type I certification reinforces our continuous commitment to data security and confidentiality. This type of stringent, independent auditing provides detailed assurances about the controls and safeguards that we have in place, as well as ensuring that any third-party vendors or partners meet our security standards” said Paul Anderson, Director, Information Security & Compliance at Global Excel.

The Global Excel SOC 2 Type I report is available to clients upon request.

Global Excel is a full-service cost containment, claims management and medical assistance company offering a complete range of services to international, Canadian and U.S. domestic clients.
With over 365 corporate clients located in more than 90 countries around the world, Global Excel manages approximately 360,000 inpatient, outpatient and non-medical cases and files per year and processes over $1.9 billion in claims annually.

For more information please visit www.globalexcel.com

 

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Anacap Makes Growth Investment In Leading German Insurance Broker MRH Trowe

AnaCap Financial Partners (“AnaCap”), a leading financial services specialist mid-market private equity investor, today announces a significant growth investment into MRH Trowe (“MRHT”), an owner managed top-10 commercial lines insurance broker in Germany.

AnaCap will join the MRHT management team as a strategic growth partner with management remaining as the largest shareholder group in the company. The investment will enable the acceleration of an acquisitions pipeline alongside investment in talent, data management and the application of technology.

This transaction allows management to remain as long-term committed shareholders of the group while continuing to build a leading, German commercial lines insurance broker, supported by AnaCap as collaborative investment partners.

The deal follows AnaCap’s successful growth partnership with the management founders of heidelpay, a German payments company which was successfully sold to KKR last year.

MRH Trowe is one of the ten largest German industrial brokers. In addition to MRH Trowe Insurance Brokers GmbH, several specialist service providers for various segments operate under the umbrella of Mesterheide Rockel Hirz Trowe AG Holding. MRHT offers extensive expertise in practically all insurance lines for industrial and commercial customers as well as affluent private customers. The owner-managed company continues to pursue a consistent growth trajectory with a holistic advisory offer, specialised teams and a strong focus on digitisation at the interface of clients, brokers and insurers. 

470 MRHT employees manage a premium volume of more than €300 million and helped to generate around €60 million of run-rate revenues in 2020. This represents an average annual growth rate of more than 20%, organically and inorganically, since 2017.

MRHT distributes its product offering through a strong network across 12 German cities nationwide and also has exclusive partnerships with more than 100 German savings banks.

As a specialist financial services investor, AnaCap will bring both capital and operational expertise to accelerate MRHT’s impressive growth through further acquisitions in the large and highly fragmented German commercial lines insurance broking market.

AnaCap will also support MRHT’s digitisation strategy, aiming to further develop their hybrid distribution model of tailored personal insurance broking as well as digital and online customer portals, claims settlement, reporting and cross-selling among other service offerings.

Ralph Rockel, Co-Founder of MRH Trowe, commented, “We are enormously excited about partnering with AnaCap for the next stage of our journey. AnaCap has significant experience in the insurance market as well as a proven track record in building leading businesses both organically and through acquisition in the DACH region. In addition, their expertise in the application of enabling technology will help us continue to gain market share and margins. We look forward to a dynamic outlook together.”

Tassilo Arnhold, Partner at AnaCap, commented, “The longer-term outlook for the insurance broking market in the DACH region is compelling. Our strategy is to partner with an excellent management team and to bring our experience of growth execution, as well as technological innovation in the insurance sector more generally, to support this outstanding growth opportunity. We anticipate working in tandem with the MRHT team over the coming years to accelerate a successful buy-and-build strategy in this attractive market.”

The investment was made from AnaCap Financial Partners III, L.P and financial details and terms of the transaction were not disclosed.

 

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Most Read International Private Medical Insurance (iPMI) Magazine Articles And Case Studies 2020

In the article International Private Medical Insurance (iPMI) Magazine looks back at the most read articles and cases studies of the year.

Congratulations to Chris Knight, Head of Assistance for Charles Taylor Assistance, who took "pen to paper", providing an excellent article looking at how COVID-19 may affect travel in the future. A warm thank you to all contributors who took the time to work with iPMI Magazine, to help educate international medical, health insurance and assistance markets.

Travel Anxiety: Looking To The Future

By Chris Knight, Head of Assistance for Charles Taylor Assistance: providers of global medical & security assistance, travel risk and claims management.

Not so long ago, global travel intelligence platform Skift coined the term, "Permanxiety" to describe the high levels of worry felt by business travellers - about everything from technology to terrorism and culture wars to climate change.  Little did it anticipate the coming of COVID Anxiety to add to this extensive list.

READ

COVID-19 And Its Impact On The Middle East And North Africa (MENA) Region

Jacob Weiss – Global Threat Analyst – MENA for global travel risk management and international medical and security assistance provider, Healix International, provides an insight into the impact of COVID-19 in the Middle East and North Africa.

READ

The Biggest Challenges Faced by Medical Assistance Professionals

Written by Global Excel. 

Managing a complex claim is one of the biggest challenges faced by medical assistance professionals. Each claim requires a highly adaptive approach, using specialized techniques, robust multidisciplinary strategies and flawless communication. Harmonizing these elements for success demands a very high degree of flexibility and creativity, in-depth medical knowledge and astute discernment, especially when working within different medical and cultural contexts around the world.

READ

Travel And Healthcare In A Post-COVID-19 World

By Jenny Cohen Derfler, CEO of Air Doctor

Everyone is speculating – although "fantasizing" might be a better word – about what the post-COVID-19 world will look like. Experts say that the situation could be under control in the countries that became infected first, but the COVID-19 situation changes too fast, so it is difficult to predict the future. 

READ

Traveller Assist Evacuates Scientists From Costa Rican Jungle During COVID-19 Global Lockdown

At 02:45hrs, global medical and security assistance provider, Traveller Assist received a phone call from a distressed male who explained that he was a member of a small scientific team who had been on a remote expedition in the jungles of Costa Rica for the past 12-weeks; with absolutely no contact with the outside world, and seemingly no idea about the global lockdown that is in place due to Covid-19.

READ

Driving Innovation In The Travel Insurance Sector With The Travel Health Calculator

CEGA, a Charles Taylor company, and AXA are driving innovation in the travel insurance sector with the Travel Health Calculator.

In October 2019, the Travel Health Calculator was launched by travel insurer AXA. Enabled by technology developed by claims and medical assistance providers CEGA, a Charles Taylor company, the online tool offers a unique solution to travel insurance uncertainty. In short, it helps to empower people with pre-existing medical conditions to find the right travel insurance at a suitable price.

READ

Is The World Finally Taking Telemedicine Seriously?

Nothing has accelerated the take-up of virtual health services more than Covid-19, so are we looking at lasting changes in consumer health care behaviour? asks Dr Sneh Khemka, VP of Population Health, Aetna International.

With the legacy of lockdown still fresh in our minds, many simple tasks have suddenly become much more complicated. Activities that we previously took for granted in the western world, such as visiting the doctor to access everyday treatments, are now clouded by concerns around social distancing and the risk of infection.

READ

Nepali Government In Collusion With Private Clinic And Helicopter Company To Close IPPG Volunteer Clinics

Written by Jonathan Bancroft, Managing Director of Traveller Assist.

For the past two-years, the Nepali government has vehemently denied their involvement in the helicopter rescue scam that has defrauded millions of dollars from foreign insurers and claimed the lives of several trekkers. In fact, the Tourism Ministry has not only denied that the fraud happens at all, but they have also gone as far as to accuse the accusers of lying to frame them, in what has been assessed by PR and legal experts as a coordinated media campaign attempting to cover up the governments involvement.

READ

Digital Risk Management Solutions In A Global Pandemic

By Angela Smith, Head of Proposition Development at Charles Taylor Assistance.

The business travel market contributes as much as $1.4 trillion to the annual global economy, according to the Global Business Travel Association (GBTA). And, as the world continues to feel the heat of the COVID-19 pandemic, there has never been a greater need to enable those who can resume global movement to do so in a safe and managed way.

READ

The Challenges Of Living Abroad With Cancer

Written by Andy Edwards, Global Head of International Health Insurance, AXA – Global Healthcare.

Receiving a cancer diagnosis is always daunting, but when that diagnosis is delivered in a foreign country, it can be particularly frightening and potentially, quite a lonely experience. Without warning, someone with a new cancer diagnosis may have to navigate an unfamiliar healthcare system, arrange treatment – sometimes in a foreign language – and in certain countries, find a way of funding their treatment themselves.

 

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Most Read International Private Medical Insurance (iPMI) Magazine Executive Interviews 2020

As 2020 draws to a close International Private Medical Insurance (iPMI) Magazine looks back at the most read interviews of the year. Congratulations to Janette Hiscock, CEO Of Global Solutions Europe, United Healthcare Global who takes 1st place, with an in-depth interview from back in August 2020. A warm thank you to all interviewees who took the time to speak with iPMI Magazine about the most pressing issues affecting international medical and health insurance and assistance markets.

iPMI Magazine Speaks With Janette Hiscock, CEO Of Global Solutions Europe, United Healthcare Global

Tuesday, 13 August 2019 12:19

In this exclusive iPMI Magazine interview, Christopher Knight, CEO, iPMI Magazine, sits down with Janette Hiscock, CEO of Global Solutions Europe for United Healthcare Global. They discuss in detail the newly formed European division of UnitedHealthcare Global (UHCG) including what makes UnitedHealthcare Global’s offering different, the new benefits and services added to insurance plans, member access to the best possible healthcare and what we can expect from UHCG in the future.

Read

iPMI Magazine Speaks With Mike Webb, CEO, Healix International

In this exclusive iPMI Magazine interview, Christopher Knight, CEO, iPMI Magazine, sits down with Mike Webb, CEO, Healix International. They discuss in detail Healix International core services, client profiles, and the international medical assistance trends shaping the future of the business.

Read

iPMI Magazine Speaks With Jody Baker, Chief Executive Officer, Charles Taylor Assistance

In this exclusive iPMI Magazine interview Christopher Knight, CEO, iPMI Magazine, met with Jody Baker, CEO, Charles Taylor Assistance. They discussed his recent appointment as CEO; the acquisition of CEGA by Charles Taylor; the current COVID-19 pandemic, and how travel, global mobility and business will look in the future. 

Read

iPMI Magazine Speaks With Mary-Jo McDonald, Managing Director, Europe, Global Excel Management

iPMI Magazine's CEO, Christopher Knight, speaks with Mary-Jo McDonald, Managing Director for Europe at Global Excel Management. They discuss in detail how COVID-19 has affected the industry, life after lockdown and the impact on the travel industry for leisure, business and student travel markets.

Read

iPMI Magazine Speaks with Gitte Bach, CEO and President, New Frontier Group

Gitte Bach is the  President and CEO of New Frontier Group. Gitte started her career in 1990 with International Health Insurance, Denmark. Gitte led the company’s entry into Latin America, and helped introduce the New Frontier 24/7/365 Alarm Centre and was then asked to help build a new department with a cost containment focus to handle the company’s large medical insurance claims.

Read

iPMI Magazine Speaks With Dr. Ian Russinoff, Medical Director, Generali Global Assistance Travel Assistance & GMMI, Inc.

In this exclusive interview Christopher Knight, CEO, iPMI Magazine, met with Dr. Ian Russinoff, Medical Director at Generali Global Assistance Travel Assistance and GMMI, Inc. to get his perspective and experience of the virus both as an ER doctor and a patient.

Read

iPMI Magazine Speaks With Jody Baker, Commercial Director, Charles Taylor Assistance

In this exclusive iPMI Magazine interview, Christopher Knight, CEO, iPMI Magazine, sits down with Jody Baker, Commercial Director, Charles Taylor Assistance. They discuss in detail Charles Taylor Assistance, their services, the types of clients they work with, the current international medical assistance and cost containment market and the affect of COVID-19 on the industry.

Read

iPMI Magazine Speaks With Olivier LE FAOUDER, CEO And Brian S. Piper, Co-Founder - Strategic Business Development, Think Insurtech

In this exclusive interview, iPMI Magazine's CEO, Christopher Knight, speaks with Olivier LE FAOUDER, CEO, and Brian S. Piper, Strategic Business Development at Think Insurtech.

They discuss in detail the brand-new Think Insurtech SaaS platform- digitalization of insurance distribution designed for international and private medical insurers and brokers, and what it means for regulatory and compliance challenges, whilst boosting sales and improving customer engagement.

Read

iPMI Magazine Speaks With Simon Miller, Senior Director of Proposition at Aetna International

iPMI Magazine's CEO, Christopher Knight, speaks with Simon Miller, Senior Director of Customer Proposition at Aetna International.

They deep dive into how COVID-19 has impacted the mental health agenda, what employers can do to ensure a thriving workplace, and how apps and coaching via text can build positive coping mechanisms.

Read

 

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How Can Expats Manage A Lonely Christmas?

With Kevin Melton, Sales and Marketing Director, AXA - Global Healthcare.

It’s been said already, but 2020 has really been a year we won’t forget in a hurry. Almost the entire world has felt the impact of Covid-19, and the precautions we’ve all taken to prevent the spread of the virus have changed our lives in unimaginable ways.

As we approach Christmas time, many of us who celebrate will be experiencing a very different festive season than we usually enjoy. Whilst this can still be a time of joy and happiness, it can also magnify any underlying feelings of loneliness for those that are separated from loved ones. International travel may not be an option for some expats, making it impossible to see their extended families and friends.

Here are just a few ways to combat these feelings:

Stay connected

For those of us living abroad, staying connected to family and friends in different countries is likely to be second nature. During this time, however, you might need to step this up and think even more creatively about how to share experiences with your loved ones. If you know they’re attending a festive quiz or tuning in to a remote carol concert – why not dial in too or get them to video call you? Not only will you feel closer to the action and more connected, but it’s a great way to fill any time you may be facing alone.

Connectivity has been so important throughout 2020, so try to maintain these vital lines of communication. Those on the receiving end of the phone will undoubtedly enjoy your presence during the festivities, so try to resist feeling as though you might be a burden.

Pack your schedule

If you do find yourself alone on Christmas Day, try to keep as busy as possible. Set a schedule for the day and fill it with fun and engaging activities that you will enjoy. Cook your favourite foods, watch your favourite shows or films and try to spend some time outdoors. Keep busy so you don’t allow yourself to become overwhelmed by the situation. To some, eating alone can be upsetting, so if your respective time zones line-up, consider even organising virtual drinks or meals with your families and friends.

Focus on the positives

Whilst this might be a case of easier said than done, there may be some enjoyment to be had if you’re elsewhere this festive season. Perhaps by doing something you normally wouldn’t – getting up to watch the sunrise, walk by an historic location, cooking an alternative Christmas meal. The fact that it’s different to what you’re used to could even be what makes this a Christmas that you always remember. Try to accept the situation and appreciate where you are. The benefits this has may go a long way towards soothing yourself and will help make your Christmas feel as special as it should. 

Try not to overindulge

Something that many of us look forward to at Christmas is the wide array of food and drink. Whether it be Christmas pudding or roast turkey, there’s plenty to enjoy. However, the festive season can often be a time of overindulgence. If you’re feeling lonely and down, it can be especially easy to slip into bad habits and find yourself grazing or drinking more than usual throughout the holiday. Try to be aware of this and set yourself limits; you’ll feel much better – both mentally and physically – if you maintain a healthy balance.

Similarly, we all know that keeping busy is vital for staying fit and healthy, but it also has a huge impact on our mental wellbeing. If you do find yourself feeling particularly low, or at a loose end, take yourself out for a walk or a jog. You’ll feel better for the fresh air and the exercise, and you might burn off some of those Christmas calories.

Find others like you

As an expat, you’ll know the importance of meeting people in a similar position to you. Thanks to the current climate, there are likely to be many others close by, who are experiencing very similar emotions. Reach out to these people and develop your own support network. This will help keep yourself occupied and cover any gaps where you might be facing time zone issues.

This isn’t forever

It’s important to always keep in mind that this situation is ever-changing. Whilst ‘normality’ may still seem a long way off, it is starting to feel as though it is within reach. Remind yourself that this is only temporary, and that next Christmas will hopefully be very different to what we have experienced this year.

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iPMI Magazine Articles

1st Use Of A Digital Covid-19 Health Certificate To Cross An International Border Completed By Traveller To Singapore

1st Use Of A Digital Covid-19 Health Certificate To Cross An International Border Completed By Traveller To Singapore

International SOS, the International Chamber of Commerce, and AOKpass Pte. Ltd. have announced the first use of ICC AOKpass to provide a digitally verifiable COVID-19 health certificate for entrance to Singapore. The ability to authenticate health records at border points of entry will help to facilitate the safe and efficient resumption of international travel during the global pandemic. On 21st December, a...

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Most Read International Private Medical Insurance (iPMI) Magazine Articles And Case Studies 2020

Most Read International Private Medical Insurance (iPMI) Magazine Articles And Case Studies 2020

In the article International Private Medical Insurance (iPMI) Magazine looks back at the most read articles and cases studies of the year. Congratulations to Chris Knight, Head of Assistance for Charles Taylor Assistance, who took "pen to paper", providing an excellent article looking at how COVID-19 may affect travel in the future. A warm thank you to all contributors who took the...

24-12-2020 Articles Case Studies

Most Read International Private Medical Insurance (iPMI) Magazine Executive Interviews 2020

Most Read International Private Medical Insurance (iPMI) Magazine Executive Interviews 2020

As 2020 draws to a close International Private Medical Insurance (iPMI) Magazine looks back at the most read interviews of the year. Congratulations to Janette Hiscock, CEO Of Global Solutions Europe, United Healthcare Global who takes 1st place, with an in-depth interview from back in August 2020. A warm thank you to all interviewees who took the time to speak with iPMI Magazine...

23-12-2020 Articles Case Studies

How Can Expats Manage A Lonely Christmas?

How Can Expats Manage A Lonely Christmas?

With Kevin Melton, Sales and Marketing Director, AXA - Global Healthcare. It’s been said already, but 2020 has really been a year we won’t forget in a hurry. Almost the entire world has felt the impact of Covid-19, and the precautions we’ve all taken to prevent the spread of the virus have changed our lives in unimaginable ways. As we approach Christmas time...

22-12-2020 Articles Case Studies

International Accident And Health Insurance: Challenges And Opportunities In A Pandemic

International Accident And Health Insurance: Challenges And Opportunities In A Pandemic

By Dr. Lynn Gordon, Chief Medical Officer, Charles Taylor Assistance. COVID-19 has had a major impact across the world; not just killing over a million people, but also disrupting the global economy, stalling global movement and forcing large swathes of the world’s population to work from home. The 70 million+ cases of COVID-19 to date (confirmed by the European Centre for Disease...

18-12-2020 Articles Case Studies

Digital Risk Management Solutions In A Global Pandemic

Digital Risk Management Solutions In A Global Pandemic

By Angela Smith, Head of Proposition Development at Charles Taylor Assistance. The business travel market contributes as much as $1.4 trillion to the annual global economy, according to the Global Business Travel Association (GBTA). And, as the world continues to feel the heat of the COVID-19 pandemic, there has never been a greater need to enable those who can resume global...

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Why This Is The Time For More ‘Online’ Doctors, With Andy Edwards, Global Head Of International Health Insurance, AXA – Global Healthcare

Why This Is The Time For More ‘Online’ Doctors, With Andy Edwards, Global Head Of International Health Insurance, AXA – Global Healthcare

Around the world, consumers’ use of digital health is rapidly rising, with more people expecting the convenience of accessing all kinds of services, including healthcare, on their smartphones. Since the beginning of the Covid-19 pandemic though, consumer awareness and use of telemedicine in particular has jumped. The status quo has shifted. As people have been forced to adopt social distancing measures, it’s not only become...

03-11-2020 Articles Case Studies

No Deal Brexit Could Leave The European Health Insurance Card In The Cold This Winter

No Deal Brexit Could Leave The European Health Insurance Card In The Cold This Winter

As Brits desperately try to make plans for Christmas and winter breaks, against the backdrop of on-going Covid-19 restrictions, the prospect of a no-deal Brexit could bring more disruption if the European Health Insurance Card (EHIC) is scrapped. So far, the Government has stated its intention to stick to its timeline to leave the European Union on 31 December 2020. At...

19-10-2020 Articles Case Studies

Is The World Finally Taking Telemedicine Seriously?

Is The World Finally Taking Telemedicine Seriously?

Nothing has accelerated the take-up of virtual health services more than Covid-19, so are we looking at lasting changes in consumer health care behaviour? asks Dr Sneh Khemka, VP of Population Health, Aetna International. With the legacy of lockdown still fresh in our minds, many simple tasks have suddenly become much more complicated. Activities that we previously took for granted in...

29-09-2020 Articles Case Studies

Travel Anxiety: Looking To The Future

Travel Anxiety: Looking To The Future

By Chris Knight, Head of Assistance for Charles Taylor Assistance: providers of global medical & security assistance, travel risk and claims management. Not so long ago, global travel intelligence platform Skift coined the term, "Permanxiety" to describe the high levels of worry felt by business travellers - about everything from technology to terrorism and culture wars to climate change.  Little did it anticipate the coming...

09-06-2020 Articles Case Studies

Travel And Healthcare In A Post-COVID-19 World

Travel And Healthcare In A Post-COVID-19 World

By Jenny Cohen Derfler, CEO of Air Doctor Few anticipated this crisis. Everyone is speculating – although "fantasizing" might be a better word – about what the post-COVID-19 world will look like. Experts say that the situation could be under control in the countries that became infected first, but the COVID-19 situation changes too fast, so it is difficult to predict the future.  Despite...

24-05-2020 Articles Case Studies

The Post Pandemic Reality - How Businesses Can Prepare For Re-Opening Of Their Organisations

The Post Pandemic Reality - How Businesses Can Prepare For Re-Opening Of Their Organisations

Healix International, the global travel risk management and international medical and security assistance provider has published the first in a series of whitepapers ‘The post pandemic reality’ exploring what businesses can do to prepare for the re-opening of their organisations.   The white paper can be downloaded by following this link https://info.healix.com/en/post-pandemic-reality The whitepaper covers: What thresholds should be met before re-opening? What site...

18-05-2020 Articles Case Studies

COVID-19 And Its Impact On The Middle East And North Africa (MENA) Region

COVID-19 And Its Impact On The Middle East And North Africa (MENA) Region

Jacob Weiss – Global Threat Analyst – MENA for global travel risk management and international medical and security assistance provider, Healix International, provides an insight into the impact of COVID-19 in the Middle East and North Africa. The novel Coronavirus (COVID-19) has spread to every country in the Middle East and North Africa (MENA) region, with the impact likely to be...

29-04-2020 Articles Case Studies

Traveller Assist Evacuates Scientists From Costa Rican Jungle During COVID-19 Global Lockdown

Traveller Assist Evacuates Scientists From Costa Rican Jungle During COVID-19 Global Lockdown

At 02:45hrs, global medical and security assistance provider, Traveller Assist received a phone call from a distressed male who explained that he was a member of a small scientific team who had been on a remote expedition in the jungles of Costa Rica for the past 12-weeks; with absolutely no contact with the outside world, and seemingly no idea about...

27-04-2020 Articles Case Studies

The Biggest Challenges Faced by Medical Assistance Professionals

The Biggest Challenges Faced by Medical Assistance Professionals

How One Company Repatriated a Complex Claims Patient. Introduction Managing a complex claim is one of the biggest challenges faced by medical assistance professionals. Each claim requires a highly adaptive approach, using specialized techniques, robust multidisciplinary strategies and flawless communication. Harmonizing these elements for success demands a very high degree of flexibility and creativity, in-depth medical knowledge and astute discernment, especially when...

05-03-2020 Articles Case Studies

Driving Innovation In The Travel Insurance Sector With The Travel Health Calculator

Driving Innovation In The Travel Insurance Sector With The Travel Health Calculator

CEGA, a Charles Taylor company, and AXA are driving innovation in the travel insurance sector with the Travel Health Calculator. In October 2019, the Travel Health Calculator was launched by travel insurer AXA. Enabled by technology developed by claims and medical assistance providers CEGA, a Charles Taylor company, the online tool offers a unique solution to travel insurance uncertainty. In short...

04-03-2020 Articles Case Studies

Coronavirus: Are We Overreacting?

Coronavirus: Are We Overreacting?

Written By Danny Kaine, Head of Assistance at Traveller Assist. Let’s put this into perspective. In 2019, the Centre for Disease Control reports that 61,200 people died from the common flu virus. That’s 168 deaths per day! Compared to Coronavirus that was first reported on December 31st with 213 deaths in total until January 31st. Based on last years statistics, 5,208...

31-01-2020 Articles Case Studies

The Challenges Of Living Abroad With Cancer

The Challenges Of Living Abroad With Cancer

Written by Andy Edwards, Global Head of International Health Insurance, AXA – Global Healthcare. Receiving a cancer diagnosis is always daunting, but when that diagnosis is delivered in a foreign country, it can be particularly frightening and potentially, quite a lonely experience. Without warning, someone with a new cancer diagnosis may have to navigate an unfamiliar healthcare system, arrange treatment – sometimes...

30-01-2020 Articles Case Studies

Nepali Government In Collusion With Private Clinic And Helicopter Company To Close IPPG Volunteer Clinics

Nepali Government In Collusion With Private Clinic And Helicopter Company To Close IPPG Volunteer Clinics

Written by Jonathan Bancroft, Managing Director of Traveller Assist. For the past two-years, the Nepali government has vehemently denied their involvement in the helicopter rescue scam that has defrauded millions of dollars from foreign insurers and claimed the lives of several trekkers. In fact, the Tourism Ministry has not only denied that the fraud happens at all, but they have also gone...

27-01-2020 Articles Case Studies

The Future Of Travel Insurance In Nepal

The Future Of Travel Insurance In Nepal

The Tourism Ministry of Nepal has introduced a new bylaw that requires all climbers who want to tackle Everest to submit their full medical history and to show proof of a specialist travel insurance policy that includes air and ground, search and rescue; and in-country medical assistance costs. After a deadly season on Everest, where nine climbers lost their lives earlier...

19-12-2019 Articles Case Studies

Infectious Diseases Abroad: What Should Business Travellers Know?

Infectious Diseases Abroad: What Should Business Travellers Know?

By Dr. Lynn Gordon, chief medical officer for global assistance, travel risk and claims management provider CEGA, a Charles Taylor Company. Business travellers may worry about the threat of infectious diseases, new strains of infection, antibiotic resistance and even pandemics overseas. Recently, dengue fever has been reported in France and Spain; yellow fever in Nigeria; measles in New Zealand; rabies in the...

07-10-2019 Articles Case Studies

The Rugby World Cup 2019 – A Corporate Travel Conundrum

The Rugby World Cup 2019 – A Corporate Travel Conundrum

In this exclusive article Healix International highlights some of the risks businesses should account for when sending travellers to Japan. In an age where the Far East doesn’t seem so far, over 400,000 visitors from across the globe are set to descend on Japan for the Rugby World Cup this September.  Among these will be die-hard rugby fans lucky enough to be...

23-07-2019 Articles Case Studies

On Business And Sick: Who’s There For You?

On Business And Sick: Who’s There For You?

In Mexico for work, a colleague of mine fell ill. So why write about it? There’s nothing unusual about contracting a common illness when travelling: 80% of people experience health issues while on a trip, with varying levels of severity. What was noteworthy, at least from my point of view, was the unusually convenient and efficient medical assistance my co-worker received. He...

22-07-2019 Articles Case Studies

Video: In 2019 The Definition Of An Expatriate Is Obsolete

Video: In 2019 The Definition Of An Expatriate Is Obsolete

The definition of an expatriate is obsolete because more people, including local nationals and expats, regularly travel internationally, due to their lifestyle, income and careers: a view shared by Ian Youngman, author of the brand new IPMI report, International Health Insurance 2019 and Generali Global Health CEO Marco Giacomelli. In the video Generali Global Health CEO Marco Giacomelli explains why IPMI is so...

19-06-2019 Articles Case Studies

Tensions In The Gulf And Iran And The Impact On Insurance Premiums

Tensions In The Gulf And Iran And The Impact On Insurance Premiums

By Jonathan Moss, DWF Partner, Head of Transport and Shipping. Increasing uncertainty and high political instability in the Gulf region is likely to lead Insurers to raise premiums, renegotiate terms of cover and introduce riders to Marine and Energy contracts of insurance and reinsurance. The past two years has seen a dramatic deterioration in Qatar's diplomatic relations with the UAE over allegations...

14-06-2019 Articles Case Studies

What’s Shaping The Assistance Needs Of The Globally Mobile?

What’s Shaping The Assistance Needs Of The Globally Mobile?

Global movement is booming. According to the World Tourism Organisation (UNWTO), international tourist arrivals reached 1.4 billion at the end of 2018: two years ahead of forecasts. The Global Business Travel Association (GBTA) predicts a rise of more than 6% in corporate travel spend this year. And UNWTO anticipates that, by 2030, five million people will be crossing international borders...

09-04-2019 Articles Case Studies

Why Do Expats Fear Coming Home?

Why Do Expats Fear Coming Home?

Living the expat dream is a lifestyle choice that many people would seize if they had the opportunity. The chance to experience different cultures, climates and lifestyles is a prospect too exciting to ignore, and with international travel and trade opening up employment opportunities across the globe, the global expat population is estimated to rise from 66.2m last year to 87.5m in...

14-03-2019 Articles Case Studies

Top 5 Cost Containment Risks For Insurers In Nepal

Top 5 Cost Containment Risks For Insurers In Nepal

By Jonathan Bancroft, Managing Director of Traveller Assist. For insurance underwriters, travel insurance brands and assistance providers with risk exposure in Nepal, a recent announcement by Tourism Minister Rabindra Adhikari, of his intentions to bring those responsible for a multimillion dollar insurance fraud scam to justice, is welcome news. After a 12-month insurance fraud investigation by Traveller Assist into helicopter charter companies...

12-02-2019 Articles Case Studies

Healix Health Services Mental Health And Wellbeing White Paper Helps Brokers Guide Employers’ Mental Health Strategies

Healix Health Services Mental Health And Wellbeing White Paper Helps Brokers Guide Employers’ Mental Health Strategies

2018 was unquestionably a turning point in awareness about mental ill health with a wide range of high profile individuals urging employers, as well as the wider community, to put the issue front and centre.  Employers recognise the importance of understanding mental health issues – and providing workers with the support they need to manage their mental health and wellbeing in...

11-02-2019 Articles Case Studies

Future Of Business Travel Risk White Paper + Survey

Future Of Business Travel Risk White Paper + Survey

Drum Cussac has released its first thought-leadership white paper of 2019 titled ‘The Future of Risk’. The risk consultancy reached out to both clients and security professionals across a wide range of industries in order to identify the key areas of concern for security, risk and travel professionals. The white paper offers crucial business insights into: The future of fully-integrated organisational security The growing...

31-01-2019 Articles Case Studies

White Paper Examines Travel Risk Management For Colleges And Universities Taking Students Overseas

White Paper Examines Travel Risk Management For Colleges And Universities Taking Students Overseas

Studying abroad is exciting for students, but brings a wide range of risks that need to be managed and mitigated by education establishments.  Identifying and tackling these issues is a white paper published by global travel risk management and international medical and security assistance experts, Healix International. ‘Travel Risk Management for Higher Education Establishments’ discusses the evolution of risk, as well...

23-01-2019 Articles Case Studies

Aetna International Paper Examines The Role Of Behavioural And Genetic Data In Detecting And Preventing Disease

Aetna International Paper Examines The Role Of Behavioural And Genetic Data In Detecting And Preventing Disease

Leading global health and wellness benefits provider Aetna International has released a paper Bespoke health promotion: How personalisation is transforming health, which examines the importance of bringing together health and lifestyle data with advances in genetic profiling and technology to help tackle the rising global disease burden. The organisation believes the future of health care lies in the worldwide adoption of a...

06-12-2018 Articles Case Studies

In Pursuit Of Your Travel Dreams: The Way Forward Is Not Always Smooth

In Pursuit Of Your Travel Dreams: The Way Forward Is Not Always Smooth

Based on a true story, “In pursuit of your travel dreams… the way forward is not always smooth” introduces Jeff and Martha Smith, snowbirds in Los Angeles, California, and their experience when Jeff thought he had a cold. Jeff had an opportunity to use telemedicine, visited an urgent care centre and the case study concludes with a visit from a...

12-11-2018 Articles Case Studies

‘Health Tax’ Adding Millions To NHS Financial Burden

‘Health Tax’ Adding Millions To NHS Financial Burden

A tax on health insurance that pushed many thousands of private patients back onto the NHS is costing taxpayers more than £1bn a decade in additional NHS resources – and it could soon get much worse. Findings from independent economic experts Cebr and Bupa has not only verified the link between rising Insurance Premium Tax (IPT) rates and increased burden on...

24-10-2018 Articles Case Studies

Whitepaper PDF Download - Digital Health Platform: Enabling The Digital Transformation

Whitepaper PDF Download - Digital Health Platform: Enabling The Digital Transformation

Customer expectations are higher than ever, often driven by experiences outside of Health. Policyholders no longer just call on you to settle their bills. They want you to help them lead better, healthier lives. Your agents, partners, providers and corporate clients also expect you to improve how you engage with them. Learn how a Digital Health Platform helps you connect systems and...

24-10-2018 Articles Case Studies

The Future’s Healthy For French Expatriates

The Future’s Healthy For French Expatriates

Aetna International recently announced an exciting partnership with French health insurer, that will benefit organisations in France sending their French employees on overseas assignments. Laurent de Veyrac, Senior Director, Strategic Business Development at Aetna International played a key role in setting up the partnership. In this article he explains the cover French nationals are entitled to when abroad and where the...

27-09-2018 Articles Case Studies

Mafuwe Evacuation – Elephant Roadblock

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

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

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

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

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

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

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

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 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

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

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

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

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?

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

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?

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?

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

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

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?

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

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?

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?

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?

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

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?

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

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

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?

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

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

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

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

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

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

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

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

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

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?

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

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?

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

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?

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

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

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?

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?

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

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

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