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iPMI Magazine Marketing And Advertising Media Kit 2021

Learn All About iPMI Magazine Professional Digital Advertising, Media & Marketing Services In The Brand New iPMI Magazine 2021 Marketing And Advertising Media Kit.

  • STATS: Get all the traffic stats and latest reader info on;
  • iPMIM FORMATS: Explore the varied media formats available;
  • COUNTRIES: Discover the Geographics of the iPMIM audience;
  • SPONSORS: Learn why and how the industry is working with;
  • iPMIM RATE CARD: Find a suitable rate and marketing program.

iPMI Magazine is where the international medical, health care and expatriate market go to protect insureds, find new providers, expand worldwide broker networks, build new relationships and stay 1 step ahead of the risk.

“The International Private Medical Insurance Magazine have great market knowledge and experience in the iPMI sector and they produce excellent market updates. We are delighted to be associated with Christopher Knight and his team.”

CHRISTOPHER PERCIVAL, BOARD DIRECTOR, HEALTHCARE INTERNATIONAL

Over 40,000 international private medical insurance executives, in over 120 countries, rely on iPMI magazine each month to stay 1 step ahead of the risk.

Due to the nomadic nature of the international private medical insurance (IPMI) market iPMI Magazine is an internet based news service for worldwide insurance and assistance professionals who need to understand the impacts of health care and insurance policy, regulatory, and legislative developments.

iPMI Magazine is the only truly global IPMI media serving the international medical insurance and assistance industry. Trusted by leading iPMI payors and providers we deliver all of the industry news under 1 roof.

  • Always-on digital media;
  • Highly referenced by the industry;
  • 40K+ unique readers each month;
  • 11 years in operation;
  • Increase online influence;
  • Drive targeted web traffic;
  • Written by the industry;
  • Educational and informative;
  • Regular news = regular readers;
  • Executive and exclusive;
  • All the news under 1 roof;
  • Easy to access.

Readers find iPMI Magazine via the following means:

  • iPMI Magazine subscriber database - see page 9;
  • Email newsletters;
  • Social Media;
  • Web searches from sites like Google;
  • By habit;
  • Recommendation.

“If you want to succeed in the Global IPMI business, I highly recommend that you get to know Christopher Knight.”
MICHAEL NOLE, HEAD OF BUSINESS DEVELOPMENT, CIGNA Global IPMI.

“iPMI Magazine is an excellent source of in-depth information on our market and useful to a wide range of brokers, customers, insurers and service providers.”

RICHARD DI BENEDETTO PRESIDENT - AETNA INTERNATIONAL

Book A Free Digital Media Consultation With An IPMI Marketing Expert

Write to ipmi[at]ipmimagazine.com to book a free digital marketing consultation today.

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iPMI Magazine Provider Network Directory February 2021

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

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

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

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

    Enter full screen click the small rectangle above ↑

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

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

Current Advertisers 

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

PAYORS AND PROVIDERS IN FOCUS:

IPMI

ASSISTANCE

AIR AMBULANCE

COST CONTAINMENT AND CLAIMS MANAGEMENT

FUNERAL DIRECTORS

INSURANCE TECHNOLOGY

HEALTHCARE INSURANCE MANAGEMENT

PHARMACY BENEFITS MANAGEMENT

 

 

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Aetna International Introduces New Mental Health Benefits To Its Core iPMI Offering

Aetna International, a leading provider of global health benefits, has today announced new updates to its Summit and Pioneer plans that will enhance the mental health and well-being support available to its global members.

The updates are part of the company’s wider commitment to addressing the growing mental health challenges associated with the evolving COVID-19 pandemic and are designed to provide members with an easy, accessible way to look after their mental well-being on a day-to-day basis.

The expanded range of mental health and well-being benefits are designed to support members on their health journey, from discovery and growth to mental health treatment and support. They are applicable to Summit plans, a flexible IPMI solution created for businesses, as well as Pioneer plans, IPMI designed for individuals and their families.

The new updates include access to Aetna Mind: a holistic approach to supporting members with evidence-based tools and support, from an award winning conversational chatbot app (Wysa) to Employee Assistance Programme (EAP) counsellors as well as clinical support via vHealth Doctors where eligible. EAP telephony and face-to-face counselling is now also included across all Summit plan levels and for Individual members as a new Member Assistance Programme (MAP). Additionally, co-pays no longer apply to psychiatric treatment and inpatient psychiatric treatment will now be included in both Summit and Pioneer 1750 plans as a standard benefit.

Damian Lenihan, Executive Director Europe at Aetna International said, “Our aim is to support businesses and individuals by ensuring they have access to the mental health support they need during the COVID-19 pandemic and beyond. These updates reflect our commitment to ensuring that mental health is valued and prioritised in the same way as physical health for both corporate and individual members.”

“In 2021 we want to focus on the challenges of mental health. Throughout the year our ‘Building better mental health together’ programme will focus on just that; how we can tackle the mental health challenges we all face, both internally with our employees as well as externally with our customers and members. We want to ensure everyone has access to the care and help they need wherever they are on their journey, which is why we are tailoring our products to help meet the short- and long-term mental health needs of our members.”

The updated offering continues to include benefits such as:

  • Free access to Wysa, a mental well-being app that provides anonymous chat support, self-guided exercises and in app coaching – now including Covid anxiety modules, an enhanced therapist led coaching programme and access to over 13s for adolescent mental well-being support
  • Access to Aetna International’s Employee Assistance Programme (EAP)
  • Access to vHealth: Eligible members will have access to a doctor via phone or video link as part of Aetna’s virtual health platform for consultation, diagnosis and onward referral
  • Free access to myStrength, an interactive and personalised app that helps address stress, anxiety, chronic pain and more
  • Access to Health Hub for further well-being support, member offers on Mind and Body self-care solutions, expert content and links to Aetna International’s Care and Response Excellence (CARE) team for 24/7 health and well-being clinical support

Aetna International is committed to helping create a stronger, healthier global community by delivering comprehensive health care benefits and population health solutions worldwide. One of the largest providers of international private medical insurance, Aetna International serves almost 900,000 members worldwide, including expatriates, local nationals and business travelers. Its global benefits include medical, dental, vision and emergency assistance and, in some regions, life and disability. Aetna International also offers customised technological and health management solutions for health care systems, government entities and large employers to improve people’s health, enhance quality of care and contain costs. Aetna International is a subsidiary of Aetna, a CVS Health company, which serves an estimated 34 million people with information and resources to help them make better informed decisions about their health care.

For more information, see www.aetnainternational.com or LinkedIn.

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iPMI Magazine Provider Network Directory January 2021

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

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

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

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

    Enter full screen click the small rectangle above ↑

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

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

Current Advertisers 

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

PAYORS AND PROVIDERS IN FOCUS:

IPMI

ASSISTANCE

AIR AMBULANCE

COST CONTAINMENT AND CLAIMS MANAGEMENT

FUNERAL DIRECTORS

INSURANCE TECHNOLOGY

HEALTHCARE INSURANCE MANAGEMENT

PHARMACY BENEFITS MANAGEMENT

 

 

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How Can Expats Manage A Lonely Christmas?

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

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

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

Here are just a few ways to combat these feelings:

Stay connected

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

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

Pack your schedule

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

Focus on the positives

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

Try not to overindulge

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

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

Find others like you

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

This isn’t forever

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

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Aetna International Announces Product Upgrades And Updates To COVID-19 Coverage

Aetna International, a leading provider of global health benefits, has announced updates to its cover for communicable diseases, including COVID-19, all aimed at supporting the physical health of its members in an ever-evolving international landscape.

The changes to its Summit plans will offer better flexibility for business clients, allowing them to tailor coverage based on local market and member needs. The updates will allow members to access a COVID-19 test if they have no symptoms. This type of testing could help businesses to mitigate the risk of transmission.

After a qualifying period, individual members with Pioneer 2500 to 5000+ plans will benefit from outpatient tests and diagnostic procedures for communicable diseases (including COVID-19) when they do not have symptoms.

Additionally, to further support members’ physical health during this challenging time, Aetna International is also adding vaccinations as a stand-alone benefit to its range of COVID-19 cover for both Summit and Pioneer plans. 

Damian Lenihan, Executive Director Europe at Aetna International said: “Our aim is to support businesses and individuals by ensuring they have access to cover that is tailored to today’s unique challenges. Countries around the world are facing a range of infection rates and restrictions and are tackling these with vastly different healthcare systems and strategies.”

“This means our cover needs to be flexible and adaptable as we all continue to navigate the new routines created by the pandemic. We want to ensure businesses and their employees have access to appropriate COVID-19 testing, whenever they need it and wherever they are.”

Recognising the ongoing impact of the pandemic, the temporary extension of COVID-19 testing coverage will continue. Up to and including 31 March 2021, Aetna International members will be covered for one test per calendar month if they are asymptomatic and classified as high-risk* – as referred by a medical practitioner and when testing takes place in an appropriate medical facility.

While reimbursements for COVID-19 testing won’t be offered as standard for all policies, plan sponsors will have the flexibility to add this cover to Summit plans, without increasing premiums for those who do not want or need this benefit (for example, in areas where free local testing is already available.

*Refer to aetnainternational.com for full details

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Voyager Insurance Present New Online Platform For Selling VoyagerProtect

Voyager Insurance Services present their new online platform for selling VoyagerProtect their Employer Paid, Group Travel Insurance scheme.

Award-Winning Travel Insurance provider Voyager Insurance break new ground by allowing brokers the opportunity to provide great value Employer Paid Group Travel Insurance quotes to their commercial clients in just 6 clicks!

Voyager Insurance, the well-respected Independent international Travel Insurance provider, has been busy over the recent lock-down period working on its VoyagerProtect Employer Paid Group Business and Leisure Travel Insurance product so as to streamline the quote and delivery process to support their intermediary base.

Carl Carter, Managing Director of Voyager Insurance explains, ‘A large number of our brokers have seen great success with our VoyagerProtect group business travel insurance product in providing Employer Paid Group travel insurance policies for companies ranging from 2 - 500+ employees - however during lockdown we took the opportunity to review and streamline our in-house quote process and to on-board the product onto our online WEBroker broker administration system so that brokers, intermediaries and employee benefit consultants can now get an instant group business travel quote 24/7", he added "by removing the need to ‘wait for underwriting' to provide a quote, this means our brokers and intermediaries are able to provide a much faster quote turnaround to their clients compared to traditional methods used by our competitors to quote group business travel insurance - this will help Voyager Insurance intermediaries win even more group business at a time when it is even more important that businesses and their employees are protected when travelling overseas'.

Voyager Insurance has worked closely with VoyagerProtect's Underwriters to create an online system that allows brokers to quote their clients in the simplest possible manner whilst remaining compliant.

Carter continues: ‘We have worked hard to develop the system for VoyagerProtect, to take advantage of the product's features, such as not requiring travel patterns so as to make it simple enough to get your client a VoyagerProtect quote in just 6 clicks and under 1 minute, with employee details added by simply uploading an employee census! This gives the power back to the broker to look after their corporate clients.'

The system has been also built to give increased freedom for brokers by making it easy to administer an existing VoyagerProtect policy online, for example when a broker wishes to add or remove group members, the system automatically calculates any additional or return premium that is due.

VoyagerProtect Product Summary

  • Annual Multi-Trip Worldwide* Cover for business and leisure travel
  • No application forms - it's quick and easy to get a quote, apply and administer online
  • Available for employer paid groups from 2 to 500+ Employees (Large groups can be uploaded via spreadsheet)
  • 3 Levels of cover to choose from - Essentials, Super and Enhanced
  • Annual Multi-Trip Cover for an Unlimited Number of Trips in a policy period of
    Up To 90 days (Essentials), 120 Days (Super) & 180 days (Enhanced) maximum duration per trip.
  • Cover for individuals and optionally available for their Families
  • All insureds have access to the One Tap Emergency App for smartphones
  • Available for UK and EEA Companies (and others by agreement) with cover and premiums available in GBP£, USD$ and Euro€

If a broker would like to get access to the VoyagerProtect Group Business Travel Insurance product to add to their commercial travel insurance panel, Voyager Insurance is currently accepting Agency Applications (subject to minimum requirements), an Agency Application form can be downloaded at  http://www.voyagerinsurance.com/workwithus/.

* Worldwide cover includes the USA, but does not include cover for excluded territories, meaning:

Afghanistan, Columbia, Iran, Iraq, Mexico (other than the Cancun holiday area of Mexico) Nigeria, Mali, Pakistan, Philippines, Somalia, Syria, Sudan, South Sudan, Libya, Venezuela or Yemen or any other destination, country or region where the appropriate authorities (such as the UK Foreign and Commonwealth Office advice or similar authority of the Insured Person's Country of Domicile) at the time the trip was booked was against all travel to such destination, country or region.

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APRIL International Care Announces Enhancements To MyHEALTH Hong Kong Private International Health Insurance Policy Range

APRIL International Care has announced significant improvements to its MyHEALTH Hong Kong private international health insurance policy range, in particular to its “Elite” module. The changes took effect from the start of December.

The annual limit for the Elite module for in-hospital care has been increased from US $3.0 million to $4.5 million and a near doubling of check-up and vaccination cover has been added, giving a total benefit now of US $2,000, all with no change to policy premiums. In addition, new adult and child health benefits have been added and are now fully covered for Elite policyholders.

Another innovative introduction is adult and child preventative health screenings, which are particularly relevant in the current climate, tapping into the view that early diagnosis is increasingly important for many healthcare issues. April is now one of a very small number of insurers to add mammography, pap smear tests and prostate screening as part of its standard hospital and surgery benefit. These important enhancements come on top of April’s existing medical check-up and vaccinations package.

Lastly, in a move designed to address the rising importance of mental health care, for Extensive and Elite policyholders, April has now enhanced and increased cover for mental health support.

Commenting on the introducing of the new enhancements, Regional Head of Business Development Alistair Dickman said, “April International Care has a reputation for anticipating changing market needs and constantly improving the range of benefits available to policyholders. This year’s changes continue that trend. Our Elite policy now offers a blend of premium benefits and competitive pricing, which we believe makes APRIL International Care a very attractive choice.  For many conditions now, early diagnosis brings genuine benefits and faster recovery times. Our enhanced benefits open up that possibility, bringing peace of mind to clients.”

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.

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

By Dr. Lynn Gordon, Chief Medical Officer, Charles Taylor Assistance.

COVID-19 has had a major impact across the world; not just killing over a million people, but also disrupting the global economy, stalling global movement and forcing large swathes of the world’s population to work from home.

The 70 million+ cases of COVID-19 to date (confirmed by the European Centre for Disease Prevention and Control at time of writing) have inevitably strained global resources. And, although it’s too early to assess the full impact of the virus on the international accident and health sector, it looks set to leave its mark. But it's not all negative.

Disrupted healthcare

Undeniably, COVID-19 has created challenges to the accessibility and availability of global healthcare; not least by causing international borders to be closed at short notice, local medical facilities to become stretched and hospital beds to become limited. This has affected COVID-19 and non COVID-19 patients alike.

At the same time, the virus has highlighted shortcomings in resource-limited countries, for instance where oxygen supplies are low.  In countries that have created state-designated COVID-19 hospitals with limited services, there has been little, and often no, opportunity to transfer patients to private alternatives. 

Adding to this complexity has been the limited availability of commercial flights; impacting the transfer of patients requiring transport to superior medical facilities or repatriation home. For COVID-19 positive patients, the only transfer option has involved specialized isolation pods on air ambulances. Meanwhile, lengthy compliance measures, including virus testing, have often been mandatory for all patients needing transfers.                     

Rising claims costs

The global rise in medical costs has long outpaced inflation, but COVID-19 has added to the financial pain. The pandemic has, for example, necessitated longer hospital stays for patients whose transfers have been held up by restrictions. It has also created an increased reliance on - more expensive - air ambulances. Combined with the added expense of business interruption, factors like these are increasing the cost of international accident and health claims.

The 2021 Global Medical Trends Survey Report by Willis Towers Watson acknowledges that many insurers are reporting a decreasing trend in claims this year, as most non-urgent medical treatments and surgeries have been delayed. But these delayed treatments, combined with the long-term (largely unknown) effects of COVID-19 suggest that a rapid escalation in claims lies ahead.

It's also important to remember that the availability of a vaccine is positive news, but that it calls for global motivation and the cooperation of communities worldwide to be truly effective. So, we're not out of the COVID-19 woods yet.

Opportunities in a post-COVID 19 world

That's not to say that there are no opportunities in the current climate - and one of these lies in digital development.

US healthcare providers lead the field in their adoption of digital technology; with almost 90% of US employees offered a telehealth benefit last year. COVID-19 is accelerating the wider use of telehealth around the world, which could well help to counteract medical cost inflation, whilst also providing an efficient, user-friendly way for policyholders to access medical triage services. And this could ease the pressure on potentially overstretched healthcare providers.

Digital tools can play an important part in intelligent underwriting too; for instance, by identifying individuals at risk of developing severe symptoms of COVID-19, or of any other serious illness. We’ve had a lot of interest in our own digital tool, Venture, which can assess these risks via online questionnaires completed by globally mobile employees. It can also correlate risks with the availability and standard of healthcare in specific destinations.  

Digital risk assessment tools like this offer an opportunity to access aggregated and anonymised data on the health of employees overseas, which can inform underwriting decisions for international accident and health policies.

Meeting mental health needs

The World Health Organisation (WHO) estimates that close to 1 billion people worldwide are already living with a mental disorder. And COVID-19 is swelling the numbers. It's no secret that the virus has added to the global mental health load; exacerbating anxiety, loneliness and depression.

But this presents an opportunity to better-fill the void in the provision of mental health coverage and servicing, with drivers from possible regulatory changes and increased employee need. And it’s worth bearing in mind that this need may become more acute as the global economy shrinks and corporates look increasingly to minimise business disruption and retain or improve productivity.

It’s likely that improving mental health coverage could benefit all parties. After all, the WHO estimates that, for every US$ 1 invested in scaled-up treatment for common mental disorders such as depression and anxiety, there is a return of US$ 5 in improved health and ability to work.

COVID-19 may have impacted the world - but collective determination and global cooperation will see us through it.

 

 

 

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iPMI Magazine Speaks With Janette Hiscock, CEO of Global Solutions Europe, UnitedHealthcare Global

In this exclusive iPMI Magazine interview, Christopher Knight, CEO, iPMI Magazine, met with Janette Hiscock, CEO of Global Solutions Europe, UnitedHealthcare Global. They discussed in detail the COVID-19 global pandemic and how UnitedHealthcare Global has managed the public healthcare crisis, internally and externally. 

COVID-19 has had a huge impact on the healthcare industry. How has your organisation managed?

As a leading global healthcare company, we have been impacted like everyone else. We’ve been able to help support our employees, our customers, and communities around the world to aid the global fight against this disease. 

Since the outbreak, we’ve had to work quickly to make sure that we’re doing everything possible to continue treating patients and supporting our members. In the U.S., UnitedHealth Group has worked to develop accurate tests which aren’t as invasive as those which have been used more widely. These tests were made available to patients with a doctor’s order at hospitals, clinics and testing facilities across the U.S. We’ve also completed a *study with the Yale School of Medicine that suggests older COVID-19 patients with hypertension, who were taking angiotensin-converting enzyme (ACE) inhibitors, may have a lower risk of COVID-19 hospitalisation. A clinical trial will follow as a next step.1 The study is still under peer review.2

At UnitedHealthcare Global specifically, we have waived member cost sharing, including copayments and deductibles, for COVID-19 diagnostic testing provided this is medically necessary and is carried out at an approved location and in accordance with applicable governmental or public health advice.

This was made available on top of existing access to Virtual Visits, our telehealth solution, our Optum Employee Assistance Programme (EAP) and our unique health management programme. All these features continue to be a source of significant support for our members during this unprecedented time..

More widely, we looked to help other businesses in need across the world. For example, in the UK, our Medical Services team has been globally supplying vital PPE to protect healthcare workers across other essential businesses around the world.

Not only have we supported the scientific and clinical aspect of COVID-19 but since April we’ve committed over $60 million, via the UnitedHealth Foundation, to support homelessness, food insecurities and the health and safety of the frontline workforce. This funding has been used across the U.S. and other regions including, Brazil, Chile, Columbia, India, Ireland, Peru, the Philippines and Portugal.  It’s been a real privilege to be part of an organisation working actively to address the virus and its effects and serve the needs of our members and customers. We are fortunate that as a global organisation we’re skilled at working seamlessly across countries, time zones and home offices. As the pandemic evolves, I’m confident that we’ll continue to adapt and support our customers effectively, with a focus on compassion, relationships and performance. 

How has your role changed during the pandemic and what are your priorities for your own people?

This year has been challenging in so many ways, both personal and professional. However, it has shown me the importance of understanding our markets and the people we serve. We must offer comprehensive, yet affordable solutions to meet their changing needs. I’ve been working closely with my team to navigate our response to the changing healthcare landscape, and I am confident we have delivered a high standard of support and care throughout this time. 

A crucial aspect of my role this year has been to find the best route to minimise the impact of the pandemic on the business, both in terms of our continued growth and, more importantly, on our employees. The safety and wellbeing of our employees is my absolute priority and I have been in close communication with all our teams to ensure we support each other. We’ve also made it a top priority to reinforce the importance of taking annual leave, using the EAP and supporting flexible working. We commissioned a 12 Steps to Personal Resilience programme for all our European-based teams and encouraged them to adopt the practical hints and tips on a weekly basis.

I am very proud to lead our team in Europe and whilst I have reverted to working at home full time, this has been the only real change for me in my role: We have maintained our strong engagement with our brokers and partners, supported our clients and their members at every step, and have ensured the health, safety and wellbeing of our people are protected at all times.

The pandemic has raised lots of questions about the world of work. How do you imagine the future of the workplace?

Prior to the COVID-19 outbreak, I would imagine that only a small portion of the population had experienced working from home. Some companies may have previously doubted the efficiency and productivity of working from home, preferring to keep their workforce in the office. Personally, I’ve been so impressed by the professionalism and productivity of my colleagues continuing to go above and beyond during this crisis, whilst working from home. Despite the upheaval of this year, we have remained collaborative across the organization, working with our colleagues around the globe.

It is likely that working from home will continue to be an ever-present feature of our working life for the foreseeable future. Homeworking is a new reality for all of us. This may be individual employee preference or simply continuing to ensure social/physical distancing. Whatever the reason, organisations will need to be able to foster a sense of community despite the increased physical distance between their staff. Leaders will need to trust their people and empower them to manage their working day in a way that suits them. This can be a difficult pivot to make as a leader, but I encourage any leader to make this transition sooner rather than later. It takes time to build new working patterns and nurture trust and self-management, but in my opinion, it is worth the investment.

What can organisations do to support employees working from home for long periods, and manage the eventual return to the office?

Boosting and maintaining morale will be critical for employee wellbeing during this extended period of working from home. Never has it been so important to have that virtual coffee with a colleague and to provide virtual events such as quizzes or team activities. In addition, employees should be encouraged to frame their day as if they were in the office and work within their agreed working hours. Although the traditional 9-5 ‘clock in clock out’ approach has been turned on its head, it’s key that employees maintain a balance and don’t fall into the trap of always being available. And yes, I need to take my own advice!

I encourage all employees to take frequent breaks for their physical and mental wellbeing. This is especially important as the days get shorter and its harder to get outside in the evening. Employees should also be encouraged to block an hour in their diary each day to ensure they are taking a lunch break, which will only serve to benefit their productivity for the remainder of the day. 

Depending on where you are in the world and how the pandemic changes, some companies have already started to head back to the office. Employers have a duty of care to make sure that workers feel safe. There are various ways to create a safe, clean, socially distanced environment, such as visible signs and instructions, one-way systems, and plenty of handwashing stations. Ensuring staff are aware of the measures in place to protect their wellbeing is a critical step in implementing social distancing and creating a safe working environment. Communication is key.

To help navigate our customers through these unfamiliar times, we’ve developed a new product, our ‘Return to Workplace Screening Tool.’ This is an online health screening service for clients to monitor the health and wellness of their global workforce. Using a simple online pre-deployment medical screening questionnaire, we can identify responses which may require further intervention and alert HR teams to decide whether further action is required. It has been designed to highlight COVID-19 exposure and any changes in their employees’ health and wellbeing that may have developed since last in their workplace.

We’re also pleased to offer an extension to our Global Medical Arrangement (GMA) service by now facilitating COVID-19 testing across our network of providers. All testing is conducted at vetted and approved facilities by certified and accredited healthcare professionals either through a nasal/throat swab or an antibody test. Our offering is unique in that it is managed in-house, creating a continuum of care for all our members.

Have you managed to keep building your business despite the challenges of COVID-19?

Despite the challenges we have faced from COVID-19, we’re still committed to growing our team. In April we added to our senior leadership team with the appointment of John Kaye as Market Development Director for the EMEA region. John’s hire further strengthens our commitment to this market, with his extensive experience in the international healthcare industry. We have also had new hires in sales support, policy enrolment and client management, all signs of an ever-growing business.

Looking ahead to 2021, we are very optimistic about UnitedHealthcare Global’s continued evolution across the European market. Despite the continued challenges from COVID-19, I feel positive about what lies ahead. We have exciting new plans lined up, including entering the Netherlands market, and I know that we have the people and resources to deal with whatever challenges COVID-19 has in store for us.

1 https://news.yale.edu/2020/05/27/seniors-covid-19-taking-ace-inhibitors-have-lower-hospitalization-risk

2 https://www.medrxiv.org/content/10.1101/2020.05.17.20104943v1

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iPMI Magazine Articles

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

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

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

19-01-2021 Articles Case Studies

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

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

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

24-12-2020 Articles Case Studies

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

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

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

23-12-2020 Articles Case Studies

How Can Expats Manage A Lonely Christmas?

How Can Expats Manage A Lonely Christmas?

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

22-12-2020 Articles Case Studies

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

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

18-12-2020 Articles Case Studies

Digital Risk Management Solutions In A Global Pandemic

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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

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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