Menu
iPMI Magazine Is Proudly Sponsored By:
For a healthier journey.

Sedgwick Appoints Wayne Cheng Chief Operations Officer For Asia

Sedgwick has named Wayne Cheng its chief operations officer for Asia. In his new role, Cheng will be responsible for executing the company's business and growth strategy and driving operational efficiency as Sedgwick scales its business across the region.

Having worked in the insurance industry for more than 20 years, Cheng has built up a wealth of experience in this sector. His specialties include data analysis, insurance claims, finance marketing, operations, project management, reinsurance and talent management. He joined Sedgwick in 2014 as general manager of Sedgwick's Asia operations. He previously held a variety of senior roles, including vice president, chief claims officer and global claims finance analyst of a leading insurance company. Cheng is also a Chartered Property Casualty Underwriter (CPCU) and Associate in Claims (AIC).

"Wayne has a deep and thorough understanding of our industry, and his experience across general insurance and the Asia markets will continue to be a great asset to Sedgwick," said James Ong, Sedgwick CEO for Asia. "Wayne's main objectives as COO are to position Sedgwick for continued growth in Asia and enable our company to operate at its full capacity and capabilities. This is an exciting time for our team as Sedgwick in Asia grows from strength to strength. In this new leadership role, Wayne will help us ensure that Sedgwick remains at the forefront of the industry across the region and around the world."

As Sedgwick looks to the next phase of its business development in Asia, the company's focus on capabilities, clients and solutions will be supported by market-leading, cutting-edge technology, expertise and exceptional service.

"Sedgwick is not only the world's largest claims and risk solutions provider, but also a company that values innovation, quality and best-in-class service," Cheng said. "I'm looking forward to assisting James and working with the rest of the team in growing our business in Asia—not only in terms of products, but also in breadth of solutions and capabilities."

Sedgwick is a leading global provider of technology-enabled risk, benefits and integrated business solutions. We provide a broad range of resources tailored to our clients' specific needs in casualty, property, marine, benefits and other lines. At Sedgwick, caring counts®; through the dedication and expertise of more than 21,000 colleagues across 65 countries, the company takes care of people and organisations by mitigating and reducing risks and losses, promoting health and productivity, protecting brand reputations, and containing costs that can impact the bottom line. Sedgwick's majority shareholder is The Carlyle Group; Stone Point Capital LLC, La Caisse de dépôt et placement du Québec (CDPQ) and other management investors are minority shareholders. For more, see www.sedgwick.com.

 

Read more...

AIA Agrees Exclusive Asia-Pacific Regional Partnership With Medix

Breakthrough regional partnership between AIA and Medix, a company specialising in quality global medical management, to provide improved healthcare and clinical outcomes for AIA customers.

AIA Group Limited (“AIA” or the “Company”: stock code: 1299) has announced that its customers across the Asia-Pacific region are set to benefit from a landmark partnership agreement with global health management company Medix. AIA and Medix are partnering to deliver a differentiated proposition that optimises care and improves medical outcomes for AIA customers across the region. Under the expanded regional partnership, building on already successful collaborations between AIA and Medix in Hong Kong and Singapore, AIA and Medix will work together to launch in more markets in 2019, including Indonesia, Malaysia, Thailand and Australia. Additional markets are planned for launch in 2020 and beyond.

Under the exclusive partnership with Medix, selected AIA customers will have access to “Personal Medical Case Management Services” during some of the most challenging times of their lives. When diagnosed with a serious or complex condition AIA customers will be supported by a dedicated case team throughout their medical journey, from diagnosis through treatment until full recovery. They will gain access to a holistic medical assessment, re-evaluation of their condition, referral for additional diagnostic testing – where needed, ongoing multi-disciplinary consultations, full care coordination, on-going guidance and emotional support provided by Medix’ team of renowned medical experts from around the globe.

Eligible AIA customers will have their medical case reviewed by Medix’ expert team of 300 in-house physicians and a global quality accredited network of over 3,000 world-leading and independent medical specialists, ensuring they have the tools to make educated, quality driven decisions and receive the best possible care throughout their medical journey, anywhere in the world.

Ng Keng Hooi, AIA’s Group Chief Executive and President, said the announcement underscores AIA’s commitment to meet the growing and changing needs of customers and to help people live Healthier, Longer, Better Lives.

“With the advances in medical treatments and technologies, the expectations of Asian consumers have changed significantly, with personalised, quality medical care at the top of their list. This strategic partnership with Medix exemplifies our leadership role in driving economic and social development across the region. It demonstrates our pledge to go beyond the traditional, passive insurance business model by becoming an integral part of our customers’ life journey” he said.

Mark Saunders, AIA’s Group Chief Strategy and Corporate Development Officer with responsibility for healthcare underlined AIA’s strategy and deliberate investment in helping improve the health and well-being of its customers, saying “AIA’s expanded partnership with Medix represents a significant step forward in delivering our long-term strategic vision in the health and well-being space, where we’ve invested significantly and consistently over the past several years. It builds on a highly successful partnership in Hong Kong and Singapore, where we’ve been able to provide Medix’ unparalleled medical case management services to our customers.

“To successfully deliver on our vision to help people be healthier for longer we are building an eco-system of services and partners to help people on all steps of the health journey through predict, prevent, diagnose, treat and recover stages, improving their overall wellbeing. Our exclusive partnership with Medix across our markets enhances AIA’s distinctive and differentiated proposition in health and well-being. By providing our policyholders with Personal Medical Case Management AIA helps overcome local healthcare disparities and makes international expertise, locally available through a mutually beneficial collaborative process” Saunders said.

Sigal Atzmon, CEO of Medix commended AIA’s visionary and innovative approach to driving meaningful improvements in people’s lives across the region.

“This is a partnership that will make a genuine difference; it represents a shared vision and a commitment to reduce unwarranted healthcare variations across the region, improve the medical accessibility, medical outcomes and most importantly, improve the overall care experience” Ms Atzmon said.

“Through this partnership, we provide personalised medical care, empower patients with the knowledge and tools they deserve to make educated decisions and offer active coverage in the daily lives of each policyholder. As such, we are enabling an unprecedented democratisation of the entire healthcare landscape.

“AIA, as one of the world’s largest and leading insurers should be applauded for the courageous, pioneering spirit they have shown over the last 100 years. Their vision and commitment to improving the lives of their customers/people across the region is unwavering and we are honoured to be a part of their next chapter,” Ms Atzmon concluded.

About AIA

AIA Group Limited and its subsidiaries (collectively “AIA” or the “Group”) comprise the largest independent publicly listed pan-Asian life insurance group. It has a presence in 18 markets in Asia-Pacific – wholly-owned branches and subsidiaries in Hong Kong, Thailand, Singapore, Malaysia, China, Korea, the Philippines, Australia, Indonesia, Taiwan, Vietnam, New Zealand, Macau, Brunei, Cambodia, a 97 per cent subsidiary in Sri Lanka, a 49 per cent joint venture in India and a representative office in Myanmar.

The business that is now AIA was first established in Shanghai a century ago in 1919. It is a market leader in the Asia-Pacific region (ex-Japan) based on life insurance premiums and holds leading positions across the majority of its markets. It had total assets of US$230 billion as of 31 December 2018.

AIA meets the long-term savings and protection needs of individuals by offering a range of products and services including life insurance, accident and health insurance and savings plans. The Group also provides employee benefits, credit life and pension services to corporate clients. Through an extensive network of agents, partners and employees across Asia-Pacific, AIA serves the holders of more than 33 million individual policies and over 16 million participating members of group insurance schemes.

AIA Group Limited is listed on the Main Board of The Stock Exchange of Hong Kong Limited under the stock code “1299” with American Depositary Receipts (Level 1) traded on the over-the-counter market (ticker symbol: “AAGIY”).

About Medix Medical Services 

Established in 2006, the Medix Group is a global, leading provider of innovative, high quality health management solutions. With offices in London, Hong Kong, Shanghai, Singapore, Tel Aviv, Jakarta, Kuala Lumpur, Bangkok and Melbourne and a client base exceeding 3 million members in over 90 countries, Medix offers its clients -- primarily global health & life insurers, financial groups, large corporates and government institutions -- significant value-added services in the world of healthcare. Medix’ medical team is comprised of 300 in-house doctors alongside nurses, research experts, medical administration teams and a quality accredited global network of over 3,000 specialists and 1,500 leading hospitals.

Through its various services, Medix offers its customers fast-track solutions to proven better medical outcomes. Medix provides Global Personal Case Management Services, Disease Prevention Management Services, Digital Health Solutions, Home Care Services, Health Strategy and Medical Governance Services to insurers, large corporates and government institutions.

Medix is a Shared Value company that strives to enable people around the world to have access to the best medical care possible while eliminating unwarranted healthcare variations and helping to control medical cost inflation. Believing that the accessibility, quality and sustainability of medical care are one of the most important components of social rights, Medix is very passionate about these issues and is globally fully dedicated to these activities.

 

Read more...

Broadstone Group Enters IPMI Market With Acquisition Of Specialist IPMI and Employee Benefits Firm

Broadstone has announced the acquisition of 3HR Benefits Consultancy. This move represents Broadstone’s third acquisition in as many months following the recently announced purchases of Liverpool-based CS Financial Solutions and Thomson Dickson Consulting located in Glasgow.

Founded in 2008, London-based 3HR Benefits Consultancy is a subsidiary of 3HR plc and provides specialist employee benefits and international private medical insurance (IPMI) support and services to more than 200 Japanese, Korean and Chinese blue chip companies in respect of their UK and European expatriate employees. The company is the leading UK benefits consulting firm specialising in the Far Eastern market and dominates the sector with a number of Fortune 500 clients
  
Commenting on this latest acquisition, Broadstone Group CEO, Grant Stobart, said, “As part of our strategy to grow all areas of our business we must identify and then capitalise on emerging trends and opportunities. This is another outstanding acquisition for Broadstone and adds further scale in a buoyant   sector. 3HR Benefits Consultancy is one of the UK’s leading providers of specialist IPMI and employee benefits services to Far Eastern groups operating in the UK and Europe and the respect and authority they have built up in this sector is very impressive. Acquiring this niche business with its quality client base and experienced staff will provide clients with access to Broadstone’s wider service offering.
“2019 continues to be a year of targeted but vigorous expansion for Broadstone,” concluded Stobart.

Terence Bennett, CEO at 3HR plc, said, “Over the past few months we have been actively seeking ways of further developing our benefits consultancy and expatriate medical insurance business and have now found the ideal partner in Broadstone. This deal is an important step in the evolution of our business and will ensure that we can continue to further strengthen the service we offer our clients and the personal and professional development of all of our staff.”

Xavier Woodward, from Broadstone’s private equity parent, Livingbridge, commented, “This acquisition further strengthens Broadstone’s offering and provides access to a new client base. We are delighted to welcome 3HR Benefits Consulting on board as we continue to execute on a strong M&A pipeline.”

Read more...

iPMI Magazine Speaks With Jerome Droesch, CEO, Cigna, MENA

In this iPMI Magazine exclusive interview, Christopher Knight, CEO, iPMI Magazine, sits down with Jerome Droesch, CEO, Cigna following his appointment as Chief Executive Officer for the Middle East and North Africa (MENA) region and Board Member of Cigna’s joint venture operations in India and Turkey.

Firstly, congratulations on your new appointment and thank you for sitting down to speak with us. May you introduce yourself and background in the international medical insurance market?

My name is Jerome Droesch. I am the CEO of Cigna for the Middle East and North Africa (MENA) region and Board Member of Cigna’s joint venture operations in India and Turkey. I started my career in insurance in 1991 in France, with AXA, at a time when the industry was going through rapid transition around the world. It was exciting to witness the sector’s fast-paced evolution at the time. This dynamism across the various insurance segments, including medical insurance, has been a constant source of motivation for me. Today, I see unlimited opportunities for disruption in medical insurance, and I am glad to be part of this journey with Cigna, which has a 200-year legacy of driving innovation and impact in this space.  

You are responsible for building a customer-centric portfolio of offerings in the region in line with Cigna’s core promise to improve the health, well-being and peace of mind of those it serves. How will you do this?

Fortunately, I have access to a well-oiled and capable operations machinery at Cigna, where the priority has always been centered around improving the lives of the people we serve. This essentially means building products and solutions that complement the individual needs of the market. This speaks to our ambition to go deeper, go local and go beyond through network expansion, personalization and innovation.

To this end, we continue to invest in harnessing localized insights that can inform the decisions we make to customize our portfolio. You can already see this difference in the products and solutions we have introduced in the past year within the IPMI segment. Whether it is helping individuals adopt better lifestyle choices or expanding our support, so customers have access to healthcare anytime, anywhere, our focus is on guaranteeing well-being every step of the way.

Over the past year, Cigna has launched its first-ever individual private medical insurance (IPMI) solution for the Middle East region. Can you walk us through the features of this IPMI plan?

Cigna HealthguardSM is a flexible health plan created for individuals and their families living and working in Dubai. This unique offering fills a critical gap in the local health insurance market by meeting the long-term health and well-being needs of a globally mobile population – which was apparent through our research in the region. Our annual Cigna Wellbeing Survey, for example, showed that up to 45 percent of respondents in the UAE pay for their own medical expenses, and that a majority of individuals are concerned about financing their family’s long-term health needs.

In response to this, Cigna HealthguardSM offers a flexible structure and modular approach that allows customers to tailor their plans according to personal needs for their assured long-term well-being. The plan has three tiers - Regional, International and International Plus – which customers can choose from, based on their travel and budget requirements.

Earlier this year, we introduced a refreshed and updated version of this solution for our customers after listening to the feedback that they have shared with us over the last year.

Besides the core offering such as out-patient consultation, inpatient and day-patient hospital treatment, our plans include health screenings, preventative dental treatment, evacuation and repatriation. Customers also have the option to include the Enhanced Healthy Connect Module. This module offers benefits such as 360 health screenings, genetic cancer screening, allergy tests and dietetic consultations

Moreover, our extensive regional and international network as well as its professional network make Cigna HealthguardSM a standout global product for Dubai’s expatriate population. We have an international network comprising over one million relationships, including 96,000 behavioural healthcare professionals and 11,400 facilities and clinics. Cigna also offers 24/7 multilingual customer service that includes prior authorization requests, finding providers and claims enquiries, and ensuring customers have the very best of care available as and when needed.

The Cigna Wellbeing AppTM further enhances our IPMI offering by allowing customers to access tools and resources designed to help with all their wellness needs. These include a biometrics tracking dashboard, an extensive health library containing articles and recipes, general health and targeted health and personality assessments as well as lifestyle coaching across the health spectrum. It also includes a Tele-health feature that allows users to connect with a doctor or specialist via phone or video, from the convenience of their home or office.

How is the IPMI market developing in the 1, Middle East and 2, North Africa, and how will these markets evolve in the next 5 years?

The region’s insurance market is ripe for expansion, with factors such as a rapidly expanding population, growth of the middle and affluent classes, and rise in chronic health conditions contributing to this trend. In the GCC alone, healthcare expenditure is reportedly set to grow to US$104.6 billion in 2022 from an estimated US$76.1 billion in 2017. We are seeing similar growth in markets such as Lebanon, where healthcare spending accounts for over seven percent of the GDP.

Besides the ongoing efforts towards infrastructure development and general well-being awareness in the region, we expect digital innovation to play a vital role in the IPMI sector. Specifically, innovations driven by big data analysis and AI will bring much-needed efficiencies to the sector. We are seeing this change in countries such as the UAE, where the adoption of AI solutions is expected to increase the country’s GDP by $96bn by 2030.

What role do mandatory health insurance schemes play in the adoption of IPMI?

Mandatory health insurance is an important driver in the growth and adoption of IPMI products and services. In markets such as the UAE, where regulations to this effect have been longstanding, the demand for highly personalized care is on the rise. Whereas, in markets such as Oman, Bahrain and Kuwait, where mandatory health insurance policies are still at a nascent stage, there is room for more organic growth. This also comes down to the population mix in these markets. The UAE, with a 90 percent expatriate population offers a different playing field than Oman, for example, where the expat population accounts for just over 40 percent of the total. Yet, Oman’s Health Ministry confirms that only about nine percent of Omanis and 10 percent of expats in the private are currently insured, demonstrating a huge market opportunity waiting to be tapped.  

Can you explain what a typical IPMI customer looks like in the 1: Middle East, and 2, North Africa?

The main distinctions in customer profiles are more apparent in markets where we see a higher presence of expatriates. In the UAE, for example, our products cater more to the globally mobile population, including people who are likely to seek health treatments abroad and especially in their home country. In Lebanon, on the other hand, the focus is on localized healthcare. We introduced our global health benefits (GHB) proposition for employers in Lebanon in 2018, which on one hand guarantees access to the one million providers in our network worldwide, but also promises localized sales, underwriting and finance services to clients, as well as offers the insured population access to nuanced customer service and a strong network of 1,600 healthcare providers across the country. 

What do IPMI insurers need in 2019?

Insurers today are grappling with elevated levels of wastage, owing to insurance fraud especially within the individual medical insurance segment. This is a common challenge faced by the industry across the world, and one that costs millions on a yearly basis. Digital intervention and AI are increasingly paving the way for a more transparent and less fraudulent insurance ecosystem. However, greater collaboration between the public and private sector will further mitigate the effects of this issue. Knowledge-sharing and a timely exchange of best practices can streamline the sector in a way that was previously not possible. In 2019, we also need to see more provisions in place to build individual insurance offerings around the needs of the customer, whether it means greater security or more convenient access to healthcare. 

One of the most widely asked questions at iPMI Magazine is how big is the IPMI market. What do you think?

There is no single number that could effectively gauge the value of the global IPMI market. Fluctuations due to population rise, policy changes and other factors continue to impact IPMI prospects. Various reports value the global IPMI market between $12 billion to $13 billion in 2015-16, expected to grow to over $20 billion by 2019.

Last and not least, if you could live anywhere, on land or at sea, where would it be?

It would be Biarritz in France. I have a beach house there and the city is very lively and famous for surfing.

Related: Cigna Insurance Middle East Names Jerome Droesch New Chief Executive Officer

Learn more about Cigna IPMI and read news, articles and interviews on the micro website on iPMI Magazine, click here.

 

Read more...

International Private Medical Insurance (IPMI) Policy Designed To Meet The Needs Of Expatriates Living In France Pre And Post BREXIT

APRIL International Care, the international private medical insurance (IPMI) division of APRIL Group, has launched MyHealth France, an IPMI policy designed to meet the needs of expatriates living in France in both the pre and post Brexit era

Commenting on the new policy launch, APRIL International UK Managing Director, Joe Thomas said, “This new policy will give considerable comfort and reassurance to UK and other nationals living in France, whilst Brexit negotiations continue. Healthcare insurance and healthcare costs in general have emerged as a major concern for all foreign nationals living in France, particularly UK nationals, so this solution should provide a clear way forward.”

France is currently home to 1.3 million expatriates of all nationalities, a figure which is expected to rise to 1.5 million within the next two years. UK nationals make up 150,000 of this group and are the largest single foreign nationality resident in the country. 

For expatriates who are no longer covered by the health system in their country of origin, the new policy from APRIL International Care can be used to meet top up expenses, which typically are not covered by the basic French social security system. These can include items such as the cost of a private room in hospitals and optical and dental services. The new policy offers a modular structure with five levels of cover to enable residents to pick their own level of protection. No age limit applies and no restrictions apply where pre-existing conditions exist.

Importantly for expatriates, the new policy is administered in English and includes a direct settlement network for medical expenses of 156,000 healthcare professionals within France when treatment is required. Policies are taken out on an individual basis, with premiums set according to age. The amount of medical costs reimbursed depends upon the level of cover taken and is paid after any French social security contribution. MyHealth France also offers policyholders up to 90 days of temporary cover if they travel outside France, for example, to visit their country of origin.

Read more...

International Health Insurer Allianz Care Announces Appointments For Qatar And Germany

Allianz Care has announced two senior appointments, as Paul Halfyear takes over the role of General Manager for Qatar and Kai Großheim is appointed Sales Manager for Germany.

Paul has 29 years’ experience in the insurance industry, working in a variety of roles in both the UK and Qatar. He holds several sector-specific qualifications from both the Chartered Insurance Institute and the Chartered Institute for Securities and Investments. In his new role, Paul will lead Allianz Care’s work in Qatar towards sustainable growth and success.

Kai also has a strong background in the insurance industry, with over 22 years’ experience, including 16 years in the International Private Medical Insurance (iPMI) brokerage and consulting sector. He holds a degree in Insurance Business Administration from the University of Applied Sciences of Cologne. As Sales Manager for Germany, Kai will be focused on driving sales in the German market, bringing innovative healthcare solutions to clients and individuals across the region.

Speaking about the new appointments, Alexis Obligi said, “I am thrilled to welcome both Paul and Kai to the global Allianz Care team. Both have extensive experience working in the sector and bring vast region-specific knowledge to their roles. I look forward to working with them over the coming months and years as we continue to focus on the key markets of Qatar and Germany and wish them every success in their new positions.”

Allianz Care is the international health brand of Allianz Partners, which offers health, life and disability insurance as well as a wide range of health and protection services to employers and insurance partners worldwide.

 

Read more...

International Medical Group WorldAware Team Up to Assist Customers and Clients

International Medical Group® has announced that it will be adding WorldAware’s security and travel intelligence services to its products and service offerings. 

For IMG’s retail customers, this means that WorldAware will provide members access to destination reports and alerts about natural disasters, political actions, and other general security information that may impact their travels. Effective January 2, 2019, this service will be included in all of IMG’s international private medical insurance plans (IPMI).

IMG is also excited to incorporate WorldAware’s integrated risk management services into their assistance service offerings for their institutional clients. The addition of this security assistance information and technology platform will complement IMG’s already expansive catalog of assistance programs including but not limited to cost containment, claims administration, and emergency medical transport.

By offering worldwide capabilities to quickly identify potentially disruptive local events, this is yet another way IMG can be there for its customers and bolster its security assistance services.

"This addition further expands our continuum of services as a provider of global insurance benefits and assistance services," said Executive Vice President Steve Paraboschi. "By offering our retail customers and institutional clients security assistance services, we are able to globally minimize their risks by protecting and serving them while they are away from home.”

Read more news about international private medical insurance plans here.

Read more...

Now Health International Launches New Digital IPMI Product To Cater For The Next Generation Of Expatriate

Now Health International Group, has announced the launch of a new mid-tier, completely digital product that is designed to cater for a new generation of expatriates and upper-affluent local nationals.

The company has launched its new SimpleCare plans in response to the growing number of digitally savvy millennials and younger executives moving abroad for work, who still demand the protection of international health insurance but at a more affordable price point to the traditional corporate executive expat. Now Health International also believes the plans will appeal to the growing base of upper-affluent local nationals in the emerging markets in which it operates.

To cater to this new generation of expats SimpleCare has been developed to be a completely digital proposition, with members only able to access their plan documents and make claims via a paper free, seamless online customer experience. This environmentally conscious product leverages Now Health International’s award winning digital tools including its smartphone App and secure online portfolio, as well as new mobile pass membership cards which can be downloaded into members’ smartphone wallets.

The new product offers core protection for all major health incidents including hospitalisation, surgery, cancer treatment, and evacuation and repatriation, which are often the main concern of younger expats. Customers can then choose to add low or medium levels of coverage for out-patient treatment, including physiotherapy, dental and medication if desired.

Designed for the more cost conscious consumer, the SimpleCare product offers multiple options to help customers further reduce their premium. This includes eight different levels of annual deductible for all types of treatment (in, day and out-patient) as well as risk management tools such as a co-insurance and per visit excess. Default regional geographical restrictions of coverage are also available for members located in certain countries of residence, providing a more affordable option for those that want to access top quality medical facilities but do not need worldwide coverage.

The product will be launched in key markets first, including Europe, Africa, Hong Kong and Singapore, and then be rolled out to other markets in Asia and the Middle East in the coming months.

Martin Garcia, Executive Chairman commented, “SimpleCare is designed to meet the needs of a new generation of expat - the growing numbers of younger people moving abroad, 2 most of which end up on local employment contracts. We set out to create an international health insurance solution which caters to these cost conscious, digitally literate expats while still providing them with access to world class medical facilities and the high standard of service that Now Health International is known for”.

Zahir Sharif, Managing Director for Now Health International added, “The clue is the name; SimpleCare is meant to be simple to understand and use – offering the vital health protection that our customers desire, with easy to use digital tools, access to the best quality private medical providers, and all with an affordable price tag. We understand that many expats and companies looking for executive health plans want more comprehensive, worldwide coverage, and our benefit rich WorldCare plans will continue to cater for those needs. However, we are confident our innovative new product will enable us to reach out to the growing base of younger expats globally, as we continue to consolidate our position as the leading IPMI provider worldwide”.

Read more...

UnitedHealthcare Global Launch New International Private Medical Insurance (IPMI) Product

UnitedHealthcare Global has launched a new International Private Medical Insurance (IPMI) product, providing health and wellness benefits to employees of businesses in the U.K. and across Europe, across 31 European Economic Area (EEA) countries.

The plan, called "BeHealthy," focuses on a whole-person approach to well-being, helping to identify health risks before they happen. This helps employees better manage their international assignments by prioritizing their mental, emotional and physical health.

David Powell, CEO, UnitedHealthcare Global Solutions comments, "'Be Healthy' builds on UnitedHealthcare's extensive portfolio of international health insurance plans that have been available to U.S.-based multinational companies for years. Our products provide high-quality, cost-effective benefits and services to customers wherever they are in the world."

Claude Daboul, Managing Director of UnitedHealthcare Global Solutions Europe added, "Our comprehensive health and well-being plans do more than just help people manage illness; they focus on proactive, preventive health care to help employees live healthier lives."

"BeHealthy"serves employees and their families who live or travel abroad for work. These benefits will give globally mobile employees and their families full health insurance coverage no matter where they work or live. "BeHealthy" includes:

  • access to UnitedHealthcare's worldwide medical network of more than 1.3 million care providers and nearly 21,000 hospitals;
  • comprehensive health and wellness benefits including employee assistance programs, a wellness coaching resource and preventive health screenings; and
  • in-house Risk and Assistance benefits – through third-party providers, UnitedHealthcare Global offers more than 22,000 security operations in 115 countries.

UnitedHealthcare Global is one of the first insurers in Europe to offer people a personalized digital experience that inspires and motivates healthier habits as part of their health plan:

  • The "BeHealthy" plan includes My Wellbeing, a personalized digital experience that encourages healthy habits among plan participants.
  • My Wellbeing combines clinical programs and engagement expertise with mobile technologies, social networking and gamification. My Wellbeing currently has 67,000 members worldwide. Of those, 29% lost weight, 11% reduced their blood pressure and 42% reduced their risk of diabetes.

"BeHealthy" also includes UnitedHealthcare Global's Travel Security Manager, an online tracking tool that helps locate and communicate with employees around the world. 

  • Employers and their employees will have access to World Watch®, an all-inclusive intelligence database containing information such as political and security risks, threat-level ratings, transportation and safety concerns, and cultural data. The offering also provides access to country-specific medical intelligence reports on the quality of medical care facilities, as well as any disease outbreaks.

For more information on "BeHealthy" please complete the form here or visit: https://www.uhcglobal.com/

 

 

 

 

 

 

 

 

 

Read more...

iPMI Magazine International Private Medical Insurance Provider Network Directory April 2018

Featuring leading IPMI players Aetna International, Bellwood Prestbury, Cigna Global IPMI, DavidShield, Generali Global Health, GeoBlue, Globality Health, Integra Global, Pacific Cross International and Wellaway. Plus check out the back of the publication for the broker directory. Did you claim your free line entry? Get listed, click here and fill in the quick form

“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 Global IPMI at Cigna.

Choosing the right international private medical insurance (IPMI) and health insurance coverage plan is critical for expatriates, offshore workers, tourists and business travellers. If you live, travel or work abroad then you will need the best access to private medical facilities and international medical insurance all year around. iPMI Magazine represents an eclectic mix and has a choice of specialist international private medical, health, expatriate and travel insurance companies allowing you to compare overseas international private medical insurance coverage and plans that may suit you and your family. 

The iPMI Magazine Provider Network Directory covers the following sectors of insurance cover:

INTERNATIONAL MEDICAL INSURANCE
INTERNATIONAL HEALTHCARE INSURANCE
INTERNATIONAL EXPATRIATE INSURANCE
INTERNATIONAL TRAVEL INSURANCE

Get listed, click here and fill in the quick form.

 

Read more...
Subscribe to this RSS feed

iPMI Magazine Articles

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

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?

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?

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

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

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

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

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

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

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

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

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

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

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

03-09-2018 Articles Case Studies

It’s In The Genes For International Medical Insurance Providers

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

18-07-2018 Articles Case Studies

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

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

02-07-2018 Articles Case Studies

Assistance Company Tackling Unnecessary Helicopter Rescues In Nepal

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

27-06-2018 Articles Case Studies

Keeping Employers and Clients Informed: The US Tax Reform

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

28-03-2018 Articles Case Studies

The Economy of Exclusivity Within the Pharmaceuticals Industry

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

27-03-2018 Articles Case Studies

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

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

01-03-2018 Articles Case Studies

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

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

06-02-2018 Articles Case Studies

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

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

26-01-2018 Articles Case Studies

Omani Expatriates Run For Coverage

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

05-01-2018 Articles Case Studies

Global Expansion Of 2nd.MD Innovative Expert Opinion

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

20-09-2017 Articles Case Studies

Discover The Best Practices In Travel Risk Management

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

21-07-2017 Articles Case Studies

Expats, Health Insurance, Impats And Immigrants

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

17-05-2017 Articles Case Studies

How Well Are You Preparing Your Staff For Overseas Assignments?

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

10-05-2017 Articles Case Studies

Protecting Your Staff Who Work Or Live Abroad With Nugent Santé

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

27-04-2017 Articles Case Studies

Is International Medical Insurance The Right Choice?

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

25-04-2017 Articles Case Studies

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

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

12-04-2017 Articles Case Studies

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

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

11-04-2017 Articles Case Studies

The Evolving Face Of Health Insurance In The UAE

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

21-03-2017 Articles Case Studies

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

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

28-02-2017 Articles Case Studies

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

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

28-02-2017 Articles Case Studies

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

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

28-02-2017 Articles Case Studies

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

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

28-02-2017 Articles Case Studies

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

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

28-02-2017 Articles Case Studies

Video: 2016 Air Passenger and Freight Market Analysis

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

08-02-2017 Articles Case Studies

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

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

27-01-2017 Articles Case Studies

Crisis In Kuwait

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

25-01-2017 Articles Case Studies

Healthcare Service Charges Increase By 500% For Expatriates In Kuwait

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

25-01-2017 Articles Case Studies

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

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

06-01-2017 Articles Case Studies

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

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

06-01-2017 Articles Case Studies

Learn More About Emergency Medical Evacuation And Repatriation Insurance Plan Coverage

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

06-01-2017 Articles Case Studies

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

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

28-10-2016 Articles Case Studies

Peer To Peer Insurer Lemonade Launches In New York

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

23-09-2016 Articles Case Studies

Kuwait To Launch New Expatriate Healthcare System

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

06-09-2016 Articles Case Studies

Understanding PMI And IPMI Market Size Per Country

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

21-04-2016 Articles Case Studies

Hacks Tax and Expatriates

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

08-04-2016 Articles Case Studies

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

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

11-03-2016 Articles Case Studies

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

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

20-12-2015 Articles Case Studies

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

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

04-09-2015 Articles Case Studies

The IRS Moves Towards Implementing The Cadillac Tax

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

04-09-2015 Articles Case Studies

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

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

26-08-2015 Articles Case Studies

Critical Considerations When Designing Individual International Private Medical Insurance Plans

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

26-08-2015 Articles Case Studies

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

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

26-08-2015 Articles Case Studies

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

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

26-03-2015 Articles Case Studies

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

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

21-08-2014 Articles Case Studies

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

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

21-08-2014 Articles Case Studies

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

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

21-08-2014 Articles Case Studies

Defining International Assistance In 2014

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

20-08-2014 Articles Case Studies

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

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

06-03-2014 Articles Case Studies

The Advantages of Telemedical Consultation

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

19-08-2013 Articles Case Studies

International Assistance Group Core Partner AA International Evacuates Shotgun Wounded Tourist

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

19-08-2012 Articles Case Studies

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

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

19-08-2012 Articles Case Studies

Air Medical Transportation Europe

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

01-02-2012 Articles Case Studies

Business Trip Security Development Of Company Risk Management Plans

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

19-11-2011 Articles Case Studies