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58.1% Of Americans Are More Likely To Buy Travel Insurance

Generali Global Assistance (GGA) today released the findings of its Holiday/2021 Travel Sentiment Survey which surveyed 1,138 U.S. travelers between October 26 and November 5, 2020 on their upcoming travel plans and preferences.

According to the findings, 74% of U.S. travelers who indicated they would be traveling in 2020 are planning to travel during the upcoming holiday season and 47.6% of U.S. travelers are likely to purchase travel insurance for their trips in 2020. 

“The average person’s willingness to travel is increasing and while there’s still plenty of pandemic related uncertainty, according to our Holiday/2021 Travel Sentiment Survey, most Americans are planning to travel domestically during the upcoming holiday season,” said Chris Carnicelli, CEO of Generali Global Assistance. “The pandemic has also impacted the average consumers’ willingness to purchase travel insurance with almost 60% of U.S. travelers indicating they are more likely to buy travel insurance now compared to their willingness to buy before the Covid-19 pandemic. Consumers’ demands around travel will continue to change in the wake of the pandemic and our team is consistently looking for ways to enhance our offerings in response.”  

Travel Intentions 

2020 

  • All of the consumers surveyed indicated that they were planning to travel in the next 18 months.  
  • 73.6% of travelers who said they would be traveling this year indicated they were planning to take a trip during the upcoming holiday season.  
  • 85.1% of the survey participants who said they would be traveling in 2020 indicated they’d be traveling for leisure in the remainder of the year, while 24.6 % indicated they’d be traveling for business. 

2021 

  • 78.5% of travelers indicated they were planning to travel in either the spring or summer 2021.  
  • 90% of the survey participants indicated they’d be traveling for leisure in 2021, while 17.5% indicated they’d be traveling for business. 

Destinations 

2020 

  • Due to the pandemic, consumers’ confidence towards international travel remains low in both 2020 and 2021. 
  • 64.5% of the survey participants traveling in 2020 plan to travel domestically while 22.1% of them planning to travel internationally.  

2021 

  • 63.1% of the survey participants traveling in 2021 plan to travel domestically while 23.1% of them planning to travel internationally.  
  • However, 53.9% of the U.S. travelers surveyed indicated that will comfortable traveling internationally again 6 months after a vaccine is available for Covid-19.  
  • The survey also identified the countries and states that most U.S. travelers plan on traveling to in 2021:

Top 5 International Destinations in 2021 

Top 5 Domestic Destinations in 2021 

France 

Florida 

Mexico 

California 

Italy 

New York 

Germany 

North Carolina 

Canada 

Texas 

 Accommodations & Transportation 

  • During the upcoming holiday season, 53.3% of the survey participants who indicated they would travel in 2020 are planning to stay in a hotel for their trips.  
  • 49.5% of those who were traveling in 2020 indicated they would be staying at a vacation rental for the holidays booked either through AirBnB, Vrbo, or an independent rental company.  
  • 38.1% of those respondents indicated that are staying with friends and family. 
  • While 13.5% of those respondents indicated they’ll be taking a cruise for the holidays while 7.4% said they would be staying in an RV. 

When asked about the transportation they plan to take to their destination: 

  • 65% of the survey participants indicated they’ll be taking their car on their 2020 trip. 
  • Planes were the second most popular from of transport among those traveling this year with 56.7% of respondents indicating they’ll fly to their destination.  
  • The remaining respondents indicated they plan on taking a train (11.5%) or ferry (6.6%) to their next destination in 2020. 

Travel Insurance Sentiment 

The pandemic has significantly impacted the average consumers’ decision to purchase trip protection or travel insurance.  

  • 58.1% of the survey participants said they were more likely to purchase travel insurance for all trips going forward and 32.8% of them are planning to purchase travel insurance for their trips in 2021. 

When deciding which company to purchase travel insurance from price, online ratings and reviews and plan coverage are three key factors for the average consumer.  

  • 33.3% of the survey participants think of price as the most important factor 
  • 19.4% of them consider plan coverage as the most important factor 
  • 13.4% of them value online ratings and reviews the most. 

Methodology 

The Holiday/2021 Travel Sentiment Survey was conducted by Upwave on behalf of Generali Global Assistance between October 26th and October 27th, 2020. The survey consisted of 16 questions and was conducted online with 1,011 consumers in the U.S.  

About Generali Global Assistance  

Generali Global Assistance has been a leading provider of travel insurance and other assistance services for nearly 30 years. Generali Global Assistance is part of the Europ Assistance Group, the travel insurer and assistance provider of the multinational Generali Group, which for over 185 years has created a presence in 60 countries with over 76,000 employees. Our success has been built on the foundation of trust that clients have placed in our ability to provide assistance in the most difficult of circumstances.  

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1.9 Million Brits May Have Travelled Uninsured During The Peak Summer Season

Analysis of the Civil Aviation Authority’s (CAA) July, August and September International Air Passenger Traffic* data reveals that 1,914,550 travellers may have travelled abroad uninsured this peak holiday season.

Medical Travel Compared, analysed passenger data from all UK airports flying to popular European destinations that were on or added to the government’s quarantine list including Spain, Balearic Islands, Portugal, Greek Islands, Canary Islands, The Netherlands, France, Hungary, Switzerland, Malta and Iceland.

Spain and the Balearic Islands attracted 721,598 holidaymakers in August and September 2020, despite the country coming off the Foreign Commonwealth & Development Office (FCDO) list at the end of July. The most popular destinations for Brits in mainland Spain were Alicante (151,526 air passengers) and Malaga (143,150 passengers), while Palma (98,943 passengers) was the preferred location when visiting the Balearic Islands. Analysis also showed that more than half of all arrivals to Spain and the Balearic Islands departed from a London airport – London City, Stansted, London Heathrow, London Gatwick and Luton - with Manchester topping the preferred list for those living in the North.

Portugal was a hot destination for travellers with 125,238 flying in July and September when the destination was off the advised FCDO travel list. Faro was shown to be the most popular arrival airport as two-fifths of Brits travelled headed to the Algarve. 

Despite the Canary Islands only being placed on the quarantine-free travel list on 25 October, British travellers continued to fly to the Canary Islands this summer with 139,462 taking to the sky. Tenerife was the number one destination welcoming 69,585 visitors.

“Discovering that nearly 2 million travellers may have travelled uninsured this July, August and September is very worrying. Travel insurance is an essential element of taking a holiday, especially now when the whole world is experiencing the effects of the Coronavirus pandemic,” commented, Tommy Lloyd, MD of Medical Travel Compared.

“During the European summer holiday season, travellers were placed in a difficult position by our government because they were asked to decide between taking a holiday without insurance, postpone their trip or ask for a refund. The decisions the government made were last-minute and without consultation of multiple industries that service the travel and tourism sector. This meant that the insurance industry, like many other businesses, were being asked to react to huge changes with little notice so many could not provide cover in time for holidaymakers’ trips. The good news is that many insurers have adapted and travellers now have a range of Covid-19 travel insurance policies to choose from should they wish to go abroad to a destination on the recommended FCDO list. For those who would like to travel to a country with quarantine guidance there are insurance policies available, just remember to check the small print for all eventualities covered”

Further analysis of the data shows that countries such as Malta, France and The Netherlands, that were re-added to the FCDO advisory list on 14 August, welcomed 689,533 Brits collectively in August and September. In August travellers may have continued to travel uninsured to their chosen holiday destination despite the change in travel advice, with 159,000 travellers in September most likely visiting these popular holiday hotspots without travel insurance.

Amsterdam welcomed the highest density of travellers (262,514 passengers), while the South of France was the number one choice for Brits going across the Channel with 371,608 arrivals recorded. Departures from London airports accounted for nearly half of all 47,798 passengers who travelled to Malta.

Other destinations that came off the travel list on 24 September included Denmark which received 37,508 travellers, Iceland which had 1,694 visitors, and Switzerland was one of the other more popular destinations with 36,416 visitors. The Greek islands of Zakynthos and Mykonos also welcomed 38,412 visitors showing that once again a portion of these travellers will have visited these destinations without travel insurance.

Popular destinations for Brits by regional airports:

  • Spain and the Balearic Islands were top of London’s airport departure lists with 373,161 passengers travelling through Stansted, London City, London Gatwick, London Heathrow, and Luton
  • Those who travelled from Southend airport were most likely to go to Spain and the Balearic Islands, recording 18,336 passengers
  • Scots were most likely to fly to The Netherlands, with 42,461 passengers recorded at Aberdeen, Glasgow and Edinburgh airports
  • 8,314 passengers departed Belfast for the Spain and Balearic Islands
  • Birmingham and East Midlands airports’ number one departure destination was Spain and the Balearics with 86,089 travellers passing through
  • Total number of departures from Cardiff were low, compared to other regional airports, with Spain and the Balearic Islands topping the list at 3,967 passengers
  • Liverpool saw 27,146 passengers depart for Spain and the Balearic Islands, more than three times the numbers of travellers who went to France
  • More than double the number of travellers went to Spain and the Balearic Islands (721,598) over The Netherlands which recorded 261,924 passengers
  • Spain and the Balearics (10,944 passengers), plus The Netherlands (9,601 passengers) were the popular choices for those travelling from Newcastle
  • Those travelling further abroad to Jamaica were seen departing from London, with 5,419 passengers recorded from Stansted, Gatwick, Heathrow and Luton
  • Manchester saw 4,993 passengers depart for Zakynthos, which was more than any other airport in the UK

*To view CAA’s July, August and September International Air Passenger Traffic data please review the reports here, here and here

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COVID-19 BUSINESS SUPPORT: Save 25% When You Join iPMI Magazine Provider Program

Until November 30th 2020, you can join the iPMI Magazine provider network directory program with a 25% price subsidy. The subsidy has been implemented to assist the iPMI market during the tough times of COVID-19. 

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 ↑

Current Advertisers 

Click a company name below to visit their micro web site on iPMIM.

PAYORS AND PROVIDERS IN FOCUS:

IPMI

ASSISTANCE

AIR AMBULANCE

COST CONTAINMENT AND CLAIMS MANAGEMENT

FUNERAL DIRECTORS

INSURANCE TECHNOLOGY

HEALTHCARE INSURANCE MANAGEMENT

PHARMACY BENEFITS MANAGEMENT

The 25% Offer

To learn more about this offer and download the media pack please write to David Bond, CIO, iPMIM on ipmi[at]ipmimagazine.com

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iPMI Magazine Provider Network Directory November 2020

The November 2020 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 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.

Olivier is the founder of AOC Insurance Broker tech comparator and advises several key players in this industry. A member of the French Tech and awarded by the Insurtech ecosystem for its SaaS platform and the disruption of the value chain in distribution.

Brian spent the previous 10 years as Head of Global Business Development in expatriate healthcare insurance, personally visiting brokers worldwide.

You are the CEO at Think Insurtech. Can you explain exactly what Think Insurtech provides?

Olivier LE FAOUDER: Think Insurtech is first and foremost a team of insurance and technology enthusiasts with a legal background because, as you know, law and contracts play an increasingly important role in this industry with very strict regulations. We are credible players in this market, nominated this year for the Insurtech of the year in France because we are also intermediaries.

Think Insurtech is a software publisher specialized in PMI & IPMI with a SaaS platform to manage from A to Z the distribution of medical insurance in a global environment. At Think Insurtech, we offer a comprehensive approach and process in working with clients to place both international and domestic healthcare cover including group life and income protection. The process follows the EU’s GDPR and Insurance Distribution Directive (IDD) by collecting data through API, identifying and analysing needs, creating a comparison panel of solutions including a personal recommendation and sending the complete set of policy documentation and application. The SaaS based system improves both performance taking only a few minutes to do a side by side detailed comparison whilst enhancing the client experience by enabling a live real time interactive discussion - evaluating wants, needs and budget requirements and proposing a personal recommendation. The next step that we are working on with some of our insurance/providers partners is to digitize the customer engagement and application form as well as for groups with digital Know Your Customer (KYC) collection.

Why have you created the Think Insurtech Saas platform?

Brian S. Piper: Based on the EU regulations (GDPR & IDD) we understood there would be a disruption in the industry. Brokers, Providers and Insurers had to evolve and become digital to remain compliant. Further, the nature of the insurance brokerage industry is highly fragmented, SaaS tools and digital solutions were not widely available. Only a few old monolithic solutions are available on the market to help brokers. The investment to create such a system requires expertise, enormous costs and is time consuming. SaaS allows a less expensive solution than creating something in-house. It is scalable ranging from small brokerages up to providers and insurers. Unlike many apps and platforms, the system was designed by a broker for internal use, and it has proven effective. It made sense to offer the platform to others under Think Insurtech.

Olivier LE FAOUDER: SaaS platforms are now the priority for insurers according to the latest McKinsey study.1 It is now impossible to manage broker/provider/insurer data flows without Business SaaS and a CRM with APIs. Automation allows you to properly manage regulatory requirements and spend more time on customer experience while greatly increasing productivity and profitability.

For IPMI insurers and brokers, complying with GDPR & IDD is resource-intensive, and the fines can be up to 20 and 40% of annual revenue. Do you think IPMI insurers and brokers understand this fact?

Brian S. Piper: Actually, no. This has been a particular challenge to educate the market and to create awareness of the risks. Often Brokers, Providers and Insurers may assume they are compliant when in fact they are not, particularly with IDD, Anti bribery law, regulator control etc. Apart from penalties, there are disciplinary sanctions up to disbarment and everything depends on the seriousness of the misconduct.

Olivier LE FAOUDER: The FCA Code of Conduct in the UK says this in summary The FCA's penalty-setting regime is based on the following principles:

(1) Disgorgement - a firm or individual should not benefit from any breach;
(2) Discipline - a firm or individual should be penalised for wrongdoing; and
(3) Deterrence - any penalty imposed should deter the firm or individual who committed the breach, and others, from committing further or similar breaches.

What other issues can IPMI insurers and brokers face if they are not compliant with GDPR and IDD?

Brian S. Piper: The risks included being dropped by insurers, being fined by the regulators or both. There is a reputation risk as the fines are published and it’s necessary to inform clients of any breach. Further, if covered by a broker’s liability policy it may lead to a steep increase in premiums or being dropped. Having professional liability insurance is mandatory.

Olivier LE FAOUDER: In this digital world, as in other industries such as retail, we are facing a consolidation that has already begun and many intermediaries will disappear and new ones like Insurtech will replace them.

One of the challenges brokers, providers and insurers face is to move on from non-communicating monolithic platforms (ERP for example) to SaaS Plug & Play and API’s to communicate with insurers, providers and clients. How does Think Insurtech combat this issue?

Olivier LE FAOUDER: Think Insurtech’s platform is completely digital and designed as a SaaS. Core to the system is the CRM provided by Pipedrive, a third party provider. The system is compatible with others SaaS based CRM’s. The system is Plug and Play integrating with a large number of API’s to automate tasks and create a customized environment (for example invoice, generate welcome pack, targeted marketing programs, advanced electronic signature, internal message, business KPI’s in real time, proposal customization, delegate compliance with dedicated API’s etc.). As a tech service provider Think Insurtech offers a 360 degree solution and full digital implementation.

Think Insurtech allows IPMI brokers to compare and contrast healthcare plans side by side, in real time, with a visual of premium, benefits and full documentation including IPID & KYC. What are the real benefits of this process and why does it matter?

Brian S. Piper: Compliance is a big factor as the system by design follows the rules of GDPR and IDD. The only two components the system does not fulfill is the “written recommendation” by the advisor and 15 hours of outside training for employees required by Insurance Directive Distribution (IDD).

Performance is another key advantage from our research individual quotes (plan comparison, organizing plan information, documenting premiums and sending a proposal) can take up to an hour. The time saving is substantial, taking only several minutes to generate a quote - the system is entirely automated. Greater efficiency affords more time with the client, contacting new clients, renewals, studying plans, etc.

Globally, COVID has forced remote interaction with clients. This trend has changed the way business is conducted forcing virtual meetings. Moving forward, it will likely become the norm. A digital platform not only fulfills this function, it enhances the interaction with clients. A representative can change currencies, deductible, review premiums and benefits. This interactive feature, helps to clearly identify the client’s wants, needs, and budget requirements; field questions and recommend a solution. Full transparency enriches the customer experience and trust. Transparency is one of the pillars of the distribution directive with accentuated rights for consumers. It is up to us and the brokers to increase professionalism and eliminate the bad image that insurance “sales” has with the public.

For international private medical insurers, what is the benefit if they deploy the Think Insurtech SaaS platform to their global broker networks?

Olivier LE FAOUDER: I would say that the most important thing is to educate brokers and to ensure that they are aware of the rules and regulations governing the profession. Compliance is very important and nowadays it's very important for insurers, so we work with our INSquary colleagues to make sure that you check all the boxes according to your business. Compliance is expensive for insurers so they select their partners and they want to increase their revenues. Brokers that are not compliant may be dropped - reducing revenue. The relationship between an insurer/provider is a value chain; the impact is both top down and bottom up. Non-compliant brokers can tarnish the image of an insurer or cause direct financial damages. Insurers and providers do not know how to manage all these points at the moment because they are not focused on digitalization. However, when it is finished, and it is already the case for some of them being dropped by insurers.

How will a broker who does not have compliance and communication tools be able to work?

Olivier LE FAOUDER: Insurtechs and providers are today the most agile and have understood the challenges of digitalization, and value chains to create new products, gain performance, customer loyalty etc. At Think Insurtech, we offer white label packages with HIPAA cloud deployments and APIs to increase the value of insurance portfolios. Today with SaaS, a broker can have a much better equipment than a wholesaler or an insurer at a much lower price than outdated ERP solutions. The price is a subscription with deployment and customization or integration costs.

Do you think IPMI broker networks working with insurers are IDD and GDPR compliant?

Brian S. Piper: Generally, no. GDPR was more widely acknowledged and EU brokers to a certain extent have taken measures to be compliant. Ironically, brokers operating outside of the EU may be liable in following the GDPR but they are essentially completely unaware of the inherent risk or simply don’t care; they view the risk as remote. IDD and the actual rules applied are not as widely known although they took effect October 1st, 2018. Surely, the regulators will start enforcing the rules. As soon as some firm gets whacked with a substantial fine, others will take notice.

Core to the Think Insurtech platform is a CRM for operational efficiency – tracking all correspondence, renewals, commissions, KPI's, churn, sales performance and sales forecasts, under 1 roof. How can this boost the business of an IPMI insurer and broker?

Olivier LE FAOUDER: Simply put, it’s not possible to follow GDPR and IDD and other regulations without being digital. Using a web form the CRM is a tool to prove to the regulators how data was collected and permission to use their data. Next, the system tracks the sales process completely providing a dashboard of the brokerage operations and drilling down into the details. The CRM gives a visual overview of the stages of the sales process from lead to won. Each environment depends on the needs of the intermediary and the APIs to be integrated.

Once a broker or insurer has a better understanding of throughput they can focus on areas of improvement or enhancement. As a tool a CRM can be connected to any range of API’s from accounting to marketing automation campaigns, telecom, KPIs Dashboard, etc. providing expanded capabilities to control operations and improve marketing all digitally. Bottom line - digital brokers have a higher valuation than traditional brokers. The question is not if but when brokers move to a digital platform. We have the tools, know-how and experience to assist.

1: The insurance switch: Technology will reshape operations

 

 

 

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Voyager Adds COVID Cover To Popular High Risk Voyager Product

High Risk Voyager Travel Insurance, created and administered by leading independent broker Voyager Insurance, has recently had its cover enhanced to take into account current global circumstances, by providing emergency medical, repatriation, funeral expenses and hospital benefit cover for COVID-19.

High Risk Voyager is a highly specialised travel insurance product designed to provide affordable travel cover for people travelling to high risk destinations worldwide including warzones, disaster zones and areas where the Foreign, Commonwealth and Development Office (FCDO) have advised against ‘all but essential travel' or ‘all travel'.

Because of these attributes High Risk Voyager has received recognition from a number of news sources due to its ability to cover those travelling against this FCDO advice during the global COVID-19 pandemic, for example to Spain, Portugal or Italy.

Managing Director of Voyager Insurance, Carl Carter explained, "Most retail travel insurances will not cover anyone travelling to an area where the FCDO advises against travel - but people still need to travel to these regions for business, volunteering or even to visit friends and family. The FCDO travel warnings and advice used to primarily focus on warnings due to terrorism, kidnapping, crime etc - but now by far the travel warnings relate to covid-19".

Carter added, "As with all our products, Voyager Insurance wants to stay relevant to the environment we live and work in, the global pandemic being no different to this philosophy. To that end we have been working hard in partnership with the Insurers of High Risk Voyager to enhance the cover offered to include COVID-19 cover for Emergency Medical Expenses, so that if you are unfortunate enough to contract COVID-19 while abroad there is cover available, as well as medical repatriation cover to get you back home if necessary."

These new benefits help High Risk Voyager Travel Insurance are vitally relevant in the current market, helping to meet the needs of those travellers looking to go abroad at the current time to those countries where the FCDO is advising against ‘All but Essential Travel'.

High Risk Voyager is available directly from www.HighRiskVoyager.com or if you are an intermediary who is interested in adding High Risk Voyager to your product portfolio please contact us at This email address is being protected from spambots. You need JavaScript enabled to view it..

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iPMI Magazine Provider Network Directory September 2020

The September 2020 edition of the iPMI Magazine Provider Network e-Directory is out now, featuring over 70 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, Healthcare Insurance Management and Pharmacy Benefits Management.

    Enter full screen click the small rectangle above ↑

The IPMI industry 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

HEALTHCARE INSURANCE MANAGEMENT

PHARMACY BENEFITS MANAGEMENT

 

 

Read more...

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.

Broadly speaking, can you tell us what steps Europe is taking towards life after lockdown?

We know that European countries’ response to this pandemic has varied in intensity – from closed borders to domestic travel restrictions. Overall, Europe is pulling together, and many countries are moving towards opening internal borders before the end of June. This first step will have a refreshing impact on travel, hospitality and education – a variety of industries will be operational. There will be limitations though, in this “new normal”, which we are gradually settling in to. Social distancing, protective face coverings and hand washing are already accepted at large in European society. Travel corridors or air-bridges are being considered, ground transportation will be permitted, and non-essential travel will be allowed.

We’re optimistic, as many clients and partners are preparing for this first step – continental Europe will be open for business very shortly. We remain realistic, knowing COVID-19 won’t disappear overnight. What we expect is that many Europeans will be asking questions and looking for reassurance, especially concerning their health as they travel, first within Europe and then abroad.

Has Global Excel seen a significant increase in assistance requests during this pandemic? What changed and how did you adapt to this unprecedented situation?

We have seen an increase in assistance requests, from business travellers having to modify schedules, expatriates worried about being able to keep their appointment with a physician, students needing to quickly access care and many wanting to speak with a practitioner in a “virtual” environment rather than face to face. One key concern was being able to respond within a reasonable amount of time. To do so, we quickly shifted to providing information, support and guidance online either via chat, text or email. This significantly reduced call wait-times while responding to requests. We prioritized different request-types – medical emergencies remain our top priorities. We also deployed a COVID-19-specific version of our digital health solution, StandbyMD. This is a self-serve virtual assistant which enables travellers to quickly self-assess their symptoms, then select the best care option. Responding with minimal down time, in several languages, across several time zones was a big challenge, but our team made it work, to the satisfaction of our clients and their members.

How has Global Excel Europe weathered this pandemic?

Early in February this year, we started reaching out to our clients with regular updates on measures we were taking as a response to developing situations. At that time, many countries reactions and directives were varied.

Our concern was two-fold: to ensure we could quickly respond to members returning to their homes – business travellers, tourists and students – but also to respond to medical emergencies and answer concerns while directing them to the best care available in their area. Our second priority was our own employee health, with over 95% of them working safely from home. Transferring our staff and ensuring our systems were up and running within only a few hours is a testament to our leadership’s agile planning and to the commitment of our team members. We were even able to outsource our services to other companies struggling with the sudden increase in volume and complexity.

As the gradual exit from lockdown is being coordinated, what should business and leisure travellers expect and how can they best prepare themselves?

As travel restrictions are loosening up across Europe, we expect that travellers in general will have to focus on low risk areas, seeking information from governments and using “travel bubbles/corridors”. This means additional wait times at airports for screenings and decontamination processes, with physical distancing and face coverings which will likely remain a requirement. Many vacation areas, educational institutions, restaurants and airports have already adapted to these new directives, as well as places of worship, offices and government buildings.

More than ever, we believe that travellers’ best protection is research – being aware of government advisories and looking closely at their travel and health policies, knowing and understanding the limitations, but also reaching out to travel experts to discuss options. An ounce of prevention is worth a pound of cure.

Has access to healthcare for students, travellers and others changed? If so, what are some must-haves going forward?

Polls across different countries indicate that many students and travellers have accessed healthcare using some form of digital solution. In some countries, telemedicine was used, and in other countries a mix of video, text and email communication to engage with physicians has been preferred.

We’ve seen a greater demand for our own digital health tool. Many members appreciate that they can self-serve and choose the type of care they prefer, wherever and whenever. Digital healthcare and choice will be key to responding to needs during a pandemic, but also during any cautious recovery period. These solutions ensure that physical distancing directives are met, minimizing infection risks while reducing wait times. The future is digital, and having a great solution that combines flexibility, personalized care and cashless billing options with worldwide coverage will be the new norm.

How can Global Excel help insurance and assistance companies and their members (business travellers, expats, students, etc)?

Global Excel combines four elements to ensure our clients and their members consistently benefit from the best available care options, no matter where they are: flexible, comprehensive healthcare solutions; world class costavoidance and cost-containment services; FastTrack, our cashless out-patient solution; fully customisable networks across Europe.

As a global enterprise, we can easily assist travellers, expats, international students and those seeking major medical treatment anywhere in the world: a unique, reliable and proven offering from your trusted partner – Global Excel.

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iPMI Magazine Provider Network Directory August 2020

The August 2020 edition of the iPMI Magazine Provider Network e-Directory is out now, featuring over 70 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, Healthcare Insurance Management and Pharmacy Benefits Management.

    Enter full screen click the small rectangle above ↑

The IPMI industry 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

HEALTHCARE INSURANCE MANAGEMENT

PHARMACY BENEFITS MANAGEMENT

 

 

Read more...

APRIL International Care Announces Raft Of Enhancements To International Health Insurance Range MyHEALTH Singapore

APRIL International Care has announced significant improvements to its MyHEALTH Singapore private international health insurance policy range, in particular to its "Elite" module. The changes will take effect from 1 August 2020.

The annual cover limit for the Elite module clients for in-hospital care has been increased from $4.5 million to $6 million, whilst the out of area cover has also been increased from $150,000 to $250.000 for those holding the worldwide ex USA cover options. (Amounts in Singapore dollars).

Another innovative introduction is the adult and child preventative health screening service which is particularly relevant in current climate, tapping into the view that early diagnosis is increasingly important for many healthcare issues.

New preventative screening benefits for adults mean the first $300 of any test is also now covered, whether the client has purchased inpatient or outpatient cover. Typical tests which can now be undertaken within APRIL International Care's network of 1200 local facilities include Pap smear testing, mammography and prostate screening.

Commenting on the introducing of the new enhancements, Regional Head of Business Development Alistair Dickman said, "With these changes, our Elite policy now offers a blend of premium benefits and competitive pricing, which we believe makes APRIL International Care a very attractive choice. At the same time, our extended benefits package reflects the fact that we are learning more and more how important it is to stay ahead of the game when it comes to diagnosis and treatment. For many conditions now, early diagnosis brings genuine benefits and faster recovery times. This new benefit opens up that possibility for many of our clients. In the long term too, it is in all our interests to diagnose and treat early, as it can cost far less, which in turn helps us to keep premiums lower."

APRIL International Care are specialists in designing and delivering flexible international private health insurance solutions for individuals, families and companies. For more information, contact APRIL International Care, or visit www.april-international.com.

Read more...
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iPMI Magazine Articles

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...

10-11-2020 Articles Case Studies

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