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iPMI Magazine

iPMI Magazine

International Private Medical Insurance Magazine (iPMIM) is the ultimate Health and Medical Insurance Digital Media serving expatriate, corporate, health and travel insurance markets. Due to the nomadic nature of the international healthcare industry iPMI Magazine is an internet based news service, for worldwide healthcare professionals, who need to understand the impacts of healthcare and insurance policy, regulatory, and legislative developments. Combined with in depth health insurance industry analysis, best-in-class health insurance industry data, and exclusive, C-Suite Executive health insurance interviews and round tables, iPMI Magazine bridges an information gap between healthcare payor, provider and patient. Written by the health and medical insurance industry, for the health and medical insurance industry, iPMIM is supported and designed by leading international medical insurance companies and service providers.

Website URL: http://ipmimagazine.com

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ABOUT iNTERNATIONAL HEALTH INSURANCE 2020

International private medical insurance (IPMI) was traditionally considered an exclusive health insurance plan for expatriates. Now, the definition of an expatriate is obsolete because more people, including local nationals and expats, regularly travel internationally, due to their lifestyle, income and careers.

These people need international medical insurance irrespective of their national status or residency. Local nationals, expats, and global nomads are driving demand for IPMI products well beyond any residency classification.

The globally mobile population has grown dramatically along with the increased global business. There are 66 million expatriates, and by 2020 this will be 87.5 million. 260 million people now live away from their country of birth and within a decade the total number of expatriate workers and international students will be 100 million.

IPMI as health insurance without borders is the future of health insurance for all people irrespective of their country of nationality, residence or current domicile. The domestic health insurance market is changing and expanding in many markets around the world. Technology, innovation in health treatment and digitisation of processes are also powerful shapers of the future of health insurance.

Compulsory insurance, voluntary top-up covers, differences between what you can sell to locals and expatriates, rules on overseas investors, compulsory local partnerships, economic sanctions, and even local politics are all things that insurers and brokers must understand- as are newer factors of controls on insurance and healthcare prices, and recent compulsory health insurance rules for travellers or students.

There have been several new entrants to the global healthcare insurance and ancillary services market, long dominated by a small handful of existing insurance companies. Regional insurers and brokers are active in the sector.

The focus on wellness and the proactive approach of keeping customers healthy is a key change. The focus is health insurance, not just illness insurance and, proactively engaging with customers to help them lead long and healthy lives.

Technology is changing the market, with access to information and care through mobile applications and innovations such as virtual health, telemedicine and virtual GP services. Data will also drive more accurate underwriting and wellness solutions at an individual customer level. The days of the fully personalised cover are not far off.

IPMI must comply with local laws and regulations and local needs that differ considerably from country to country.

IPMI overview contents

Volume 1

Introduction

  • Overview

  • Growth of need for IPM

  • Health insurance definitions

  • Expatriate definitions

  • Voluntary health insurance

  • Why IPMI and PMI are no longer separate

  • Social and technological disruption

  • Duty of care

  • Why insurers are moving into PMI/IPMI

  • The changing insurance ecosystem

  • Customer centricity

  • Blockchain

  • Emerging markets

  • Belt and Road initiative

  • Middle East and North Africa

  • Asia

  • IPMI must cover more than insurance

  • The future

International health insurance numbers

  • Global premium figures

  • Onshoring and offshoring

  • Premium retention in countries

  • Premiums and local taxes

  • Local partnerships

  • Muddying the waters

  • It is not health insurance

Health insurance

  • Compulsory health insurance

  • Health insurance market potential

  • Global medical price trends

  • Health insurance pricing trends

  • Global health insurance price and trends

  • Health insurance and universal healthcare

  • Global benefits

  • Digital transformation

Healthcare

  • Health at a Glance Europe 2018

  • Global healthcare

International health insurance market

  • Buying the market overseas

  • Distribution

  • Healthcare or health insurance

  • History

  • Market potential

  • Hospitals offering health insurance

  • Numbers of insurers

  • Insurance companies

  • Latin American healthcare potential

  • Lloyd’s of London

  • Lloyds’ brokers

  • Managing general agents

  • Third party administrators

  • Insurance brokers

  • Financial advisors

  • Insurance agents

  • Banks

  • Health insurance trade bodies

  • Health insurance comparison sites

  • Micro insurance

  • Mobile devices

  • Self- insurance

  • Smart phones

  • Social media

  • Videos

International health insurance products

  • Cover

  • International insurance versus domestic insurance

  • IPMI in 2019

Expatriate numbers

  • Expatriate figures

  • Global number of expatriates

  • Global population

  • Expatriates, migrants and refugees

  • Global mobility

  • Expatriate population as % of worldwide population

  • Expatriate or international migrant

  • Refugees and expatriates

  • International students

  • Migrant workers

  • Cross border workers

  • Diasporas

  • Migration and health

Customers

  • Target markets for insurers

  • What is an expatriate?

  • Expatriate characteristics

  • Expatriate salaries and benefits

  • Buyers

  • Dependants

  • Emerging markets middle class

  • Generation Y

  • More than one product

  • High net worth

  • How people choose international health insurance

  • Indian companies

  • Maritime

  • Mining

  • Music industry

  • NGOs

  • Need

  • Oil and gas

  • Overseas employees need support

  • Questions potential customers ask

  • Retirees

  • Self-employed

  • Short assignments

  • Short-term cover

  • Singles

  • Students

  • Target ages

  • Teachers

  • Wealthy expatriates

  • Who can be covered?

  • Why companies buy it

  • Why individuals buy it

  • Why needs are changing

  • Why not just buy cover locally

  • Women

The product

  • Addiction treatment

  • Admitted policies

  • Apps

  • Big data

  • Budget covers

  • Cancer

  • Chatbots

  • Choice of cover or set packages

  • Claims

  • Compliance with local law

  • Co-payments

  • Critical illness

  • Currency

  • Danger zones

  • Diabetes treatment

  • Diaspora insurance

  • Duty of care

  • Emergency assistance

  • Emergency evacuation

  • European Air Medical Institute

  • Fertility treatment

  • Fraud

  • Funeral plans

  • Global cover

  • Helplines

  • Income protection

  • Insurers rethink of health insurance

  • International medical accreditation

  • Medical evacuation and repatriation

  • Medical tourism and insurance

  • Medical travel insurance

  • Mental health

  • Micro health insurance

  • Obesity treatment

  • Organ transplants

  • Passive war

  • Political risks

  • Pricing

  • Price regulation

  • Pricing on group schemes

  • Private repatriation

  • Risk management

  • Second medical opinion

  • Security and travel advice

  • Takaful

  • Takaful health

  • Telehealth

  • Term life

  • Top up covers

  • Travel insurance

  • Underwriting

  • Virtual doctors

  • War risks

  • Wearables

Volume 2 Companies

National, regional and local insurers and brokers

  • Base country

  • HQ

  • Ownership

  • Overview

  • Structure

  • Insurance

  • Healthcare

  • Customer numbers

  • Strategy

  • 2018 results

  • 2019 forecasts

  • Buying businesses

  • Selling businesses

  • Failed deals

  • Partnerships

  • Sponsorships

  • Micro health

  • Products

  • Apps

  • Marketing

  • Technology

  • Start-ups, accelerators and labs

  • Countries A to Z

Company profiles

  • A Plus

  • Abacare

  • Achmea

  • ADNIC

  • AIA

  • AIG

  • Aetna

  • Ageas

  • Alan

  • Allegiant

  • Alliance Group

  • Allianz

  • Amariz

  • Amazon

  • Anbang

  • Antae

  • Anthem

  • AON

  • Apple

  • APRIL

  • Ardonagh

  • ASSSA

  • Aviva

  • AXA

  • Bellwood Prestbury

  • Berkshire Hathaway

  • Blue Cross

  • Blue Cross Blue Shield

  • Bupa

  • CCW

  • Chubb

  • Cigna

  • Clements Worldwide

  • CM International

  • Collinson

  • CXA

  • DFV

  • Daman

  • DavidShield

  • Discovery

  • Doha Insurance

  • Exclusive Healthcare

  • Expacare

  • Expatriate Group

  • Fairfax

  • Fosun

  • Freedom Health

  • Gallagher

  • General & Medical

  • Generali

  • Global Benefits

  • Global Underwriters

  • Great West Lifeco

  • Gulf Insurance Group

  • Haven Healthcare

  • Healix

  • HealthCare International

  • Henner

  • Humana

  • Integra Global

  • Jubilee

  • LAMP

  • Liberty Mutual

  • Lloyds

  • Lockton

  • Malakoff Médéric Humanis

  • MAPFRE

  • Marsh McLennan

  • Medgulf

  • Medibank

  • Medicover

  • Met Life

  • MMI

  • Morgan Price

  • Munich

  • Mutua Madrilena

  • National Life and General

  • New India

  • nib

  • NN Group

  • Now Health International

  • Nugent Sante

  • Old Mutual

  • Oman Insurance

  • Pacific Cross

  • Pacific Prime

  • Pan-American Life

  • Premier Group

  • Primary Group

  • Punter Southall

  • Qatar Insurance

  • QBE

  • RBI Premium

  • Regency Assurance

  • Saham

  • Saico

  • JW Seagon

  • Seven Corners

  • Siaci Saint Honore

  • Sompo

  • Starr

  • State Life

  • Status Global

  • Swiss Global

  • Swiss Life

  • Tokio Marine

  • UnitedHealth

  • Union Insurance

  • Vienna Insurance

  • WAFA

  • William Russell

  • Willis

  • Zhong An

  • Zurich

Volume 3 countries

Country profiles look at:

* Healthcare, healthcare reforms and price controls

* State health insurance and planned reform

* Compulsory health and travel health insurance and planned reforms

* Private health insurance and supplementary covers

* Health insurance regulation and planned reform

* Health insurance price regulation and planned reform

* Specific data and requirements for expats

COUNTRY PROFILES

  • Healthcare

  • Healthcare for expatriates

  • Healthcare regulators

  • Healthcare regulation

  • Healthcare price regulation

  • State health insurance

  • State health insurance top up

  • Compulsory health insurance for locals

  • Compulsory health insurance for expatriates

  • Compulsory health insurance for overseas students

  • Compulsory travel health insurance for visitors

  • Health insurance for locals overseas

  • Private health insurance

  • Insurance company and broker regulators

  • Health insurance regulation

  • Health insurance price regulation

  • 2019 population

  • 2030 population estimate

  • UN 2017 number of international immigrants- inbound

  • UN 2017 number of international emigrants- outbound

  • UN numbers of refugees

  • Local figures on expatriate numbers

  • Local figures on expatriate sources

  • Local figures on Diaspora

  • Leading local health insurers

  • Head office of leading health insurers and brokers

  • International health insurers/ brokers/agents activities

COUNTRIES

  • Abu Dhabi

  • Afghanistan

  • Albania

  • Algeria

  • Andorra

  • Angola

  • Antigua

  • Argentina

  • Armenia

  • Australia

  • Austria

  • Azerbaijan

  • Bahamas

  • Bahrain

  • Bangladesh

  • Barbados

  • Belarus

  • Belgium

  • Belize

  • Bermuda

  • Bolivia

  • Bosnia

  • Botswana

  • Brazil

  • British Virgin Islands

  • Brunei Darussalam

  • Bulgaria

  • Burkina Faso

  • Burundi

  • Cambodia

  • Canada

  • Cayman Islands

  • Chile

  • China

  • Colombia

  • Costa Rica

  • Croatia

  • Cuba

  • Curacao

  • Cyprus

  • Czech Republic

  • Denmark

  • Dominica

  • Dominican Republic

  • Dubai

  • Ecuador

  • Egypt

  • Estonia

  • Ethiopia

  • Fiji

  • Finland

  • France

  • Georgia

  • Germany

  • Ghana

  • Gibraltar

  • Greece

  • Grenada

  • Guatemala

  • Guernsey

  • Guyana

  • Honduras

  • Hong Kong

  • Hungary

  • Iceland

  • India

  • Indonesia

  • Iran

  • Iraq

  • Ireland

  • Israel

  • Italy

  • Jamaica

  • Japan

  • Jersey

  • Jordan

  • Kazakhstan

  • Kenya

  • Kuwait

  • Kyrgyzstan

  • Latvia

  • Lebanon

  • Lesotho

  • Libya

  • Lithuania

  • Luxembourg

  • Macau

  • Macedonia

  • Malawi

  • Malaysia

  • Maldives

  • Malta

  • Mauritius

  • Mexico

  • Moldova

  • Monaco

  • Mongolia

  • Montenegro

  • Morocco

  • Mozambique

  • Myanmar

  • Nepal

  • Netherlands

  • New Zealand

  • Nicaragua

  • Nigeria

  • Norway

  • Oman

  • Pakistan

  • Panama

  • Papua New Guinea

  • Paraguay

  • Peru

  • Philippines

  • Poland

  • Portugal

  • Puerto Rico

  • Qatar

  • Romania

  • Russia

  • Rwanda

  • Saint Kitts And Nevis

  • Saint Lucia

  • Saudi Arabia

  • Serbia

  • Sierra Leone

  • Singapore

  • Slovak Republic

  • Slovenia

  • Somalia

  • South Africa

  • South Korea

  • Spain

  • Sri Lanka

  • Sudan

  • Swaziland

  • Sweden

  • Switzerland

  • Syria

  • Taiwan

  • Tanzania

  • Thailand

  • Trinidad And Tobago

  • Tunisia

  • Turkey

  • Turks And Caicos

  • Uganda

  • Ukraine

  • United Arab Emirates

  • United Kingdom

  • Usa

  • Uruguay

  • Venezuela

  • Vietnam

  • Yemen

  • Zambia

  • Zimbabwe

ABTA Estimates Over 90,000 Jobs* Already Affected In UK Travel And Wider Industry

Following a survey of its Members, ABTA – The Travel Association is able to reveal that 39,000 jobs have already been lost or placed at risk across the outbound travel sector since the crisis started, and when supply chains are also considered this number amounts to over 90,000 people affected.

  • 18% of jobs in outbound travel** have already been lost or placed at risk, according to ABTA Member survey***
  • Situation set to worsen with 78% of businesses yet to enter redundancy conversations expecting to do so in coming months based on current trading conditions
  • To provide evidence on the situation facing the industry and call for assistance to Save Future Travel, ABTA has today written to the Chancellor setting a plan to build consumer confidence and save jobs in the industry

The situation when it comes to jobs in the travel industry has reached a critical point, with measures to control the pandemic affecting the market, which is why, today, ABTA has written to the Chancellor of the Exchequer to ask for tailored support in the form of a package of measures to support businesses and employees.

ABTA finds the Government’s Coronavirus Job Retention Scheme has been a significant help for businesses in the travel industry, with nine in ten businesses taking part in the scheme to support staff. However, 65% of businesses have either had to make redundancies or have started a consultation process. Despite this, there is optimism that the travel industry can recover, if offered the right support by Government, with four in ten businesses confident travel can return to 2019 levels by 2022.

To do this, according to ABTA’s plan, the Government should adopt a regionalised approach to quarantine rules. In the absence of a regional approach to Foreign Office travel advice and quarantine rules the Association highlights it is difficult to see how the UK can reopen travel to critical trade partners, including the US, in the foreseeable future.

At the same time, if the travel industry is to retain the maximum number of jobs, it is vital that consumers are incentivised to book holidays. With the peak booking season starting from December, ABTA is therefore urging the Government to use the Autumn Budget to announce an Air Passenger Duty (APD) holiday covering Summer 2021.

If the Government does not act with tailored support for travel, as it has for other sectors, 83% of firms estimate that it will have a critical or serious impact on their business.

To Save Future Travel, ABTA’s plan is to:

  1. Regionalise quarantine: moving to a regionalised quarantine and Foreign Office travel advice policy will provide additional certainty for businesses and consumers.
  2. Introduce testing: a testing regime will enable travel to resume to major global trading partners and mitigate the risk of infection from high risk countries.
  3. Grant an APD holiday: to boost demand for travel, including Summer holidays in 2021.
  4. Provide recovery grants and other business support measures: travel agents, the vast majority of whom are SMEs, receive the majority of their income through commission that is paid on the departure, so these businesses will need support to get them through to the next major travel period next Easter. The Government can support these businesses by issuing another round of grants, based on those offered to Retail, Hospitality, and Leisure businesses earlier in the crisis, and extending other business support measures into 2021/22.
  5. Give ongoing salary support: with the furlough scheme drawing to a close at the end of October, the government should consider extending support for businesses that have not seen a significant recovery in revenues, as has happened elsewhere such as Australia. Targeting salary support where it is needed until March 2021 would reduce the cost to HM Treasury and could preserve tens of thousands of jobs in travel.

While public health is rightly the Government’s priority right now, few sectors in the UK economy have been hit as hard as travel by the measures used to control the pandemic. With only 65% of businesses operating again, many parts of the travel industry remain shuttered, such as cruise and school travel operators. Moreover, if a second wave inspired a further shutdown, 96% of travel businesses report it would have a critical or serious impact on their ability to survive.  

Mark Tanzer, ABTA’s Chief Executive, says: “With the Government’s stop start measures, the restart of travel has not gone as hoped for the industry, and sadly businesses continue to be adversely affected and jobs are being lost at an alarming rate. Coming towards the end of the traditional period for peak booking, we have hit a critical point as existing Government measures to support businesses begin to taper off, the consequence of which, according to this survey of ABTA Members will be ruinous for more people’s livelihoods.

“Travel desperately needs the Government in its next review to provide tailored support or tens of thousands more jobs will be lost. We have already seen well-known and respected businesses that would normally be successful falling into administration, and more are sadly set to follow unless the Government can Save Future Travel.”

* CEBR research on industry employment shows that for every 1 job in outbound travel there are 1.39 jobs in the wider related industries (indirect and induced) – that equates to 39,000* 1.39 = 54,210 jobs in the wider sector. Total = 93,210
** Direct jobs in the outbound travel industry – tour operators, travel agents and airline staff
*** ABTA Member Survey 31/07/2020-17/08/2020 responses taken from in-depth survey of 76 Members spanning representative industry types with a combined turnover of £4.8bn

90% Of Countries Report Disruptions To Essential Health Services Since Covid-19 Pandemic

The World Health Organization has published a first indicative survey on the impact of COVID-19 on health systems based on 105 countries’ reports.

Data collected from five regions over the period from March to June 2020 illustrate that almost every country (90%) experienced disruption to its health services, with low- and middle-income countries reporting the greatest difficulties.  Most countries reported that many routine and elective services have been suspended, while critical care - such as cancer screening and treatment and HIV therapy – has seen high-risk interruptions in low-income countries.

"The survey shines a light on the cracks in our health systems, but it also serves to inform new strategies to improve healthcare provision during the pandemic and beyond,” said Dr Tedros Adhanom Ghebreyesus, WHO Director-General. "COVID-19 should be a lesson to all countries that health is not an ‘either-or’ equation. We must better prepare for emergencies but also keep investing in health systems that fully respond to people’s needs throughout the life course."

Services hit across the board: Based on reports from key informants, countries on average experienced disruptions in 50% of a set of 25 tracer services. The most frequently disrupted areas reported included routine immunization – outreach services (70%) and facility-based services (61%), non-communicable diseases diagnosis and treatment (69%), family planning and contraception (68%), treatment for mental health disorders (61%), cancer diagnosis and treatment (55%). 

Countries also reported disruptions in malaria diagnosis and treatment (46%), tuberculosis case detection and treatment (42%) and antiretroviral treatment (32%). While some areas of health care, such as dental care and rehabilitation, may have been deliberately suspended in line with government protocols, the disruption of many of the other services is expected to have harmful effects on population health in the short- medium- and long-term.

Potentially life-saving emergency services were disrupted in almost a quarter of responding countries. Disruptions to 24-hour emergency room services for example were affected in 22% of countries, urgent blood transfusions were disrupted in 23% of countries, emergency surgery was affected in 19% of the countries.  

Disruption due to a mix of supply and demand side factors. 76% of countries reported reductions in outpatient care attendance due to lower demand and other factors such as lockdowns and financial difficulties. The most commonly reported factor on the supply side was cancellation of elective services (66%).  Other factors reported by countries included staff redeployment to provide COVID-19 relief, unavailability of services due to closings, and interruptions in the supply of medical equipment and health products.

Adapting service delivery strategies. Many countries have started to implement some of the WHO recommended strategies to mitigate service disruptions, such as triaging to identify priorities, shifting to on-line patient consultations, changes to prescribing practices and supply chain and public health information strategies. However, only 14% of countries reported removal of user fees, which WHO recommends to offset potential financial difficulties for patients.

The pulse survey also provides an indication of countries’ experiences in adapting strategies to mitigate the impact on service provision.  Despite the limitations of such a survey, it highlights the need to improve real-time monitoring of changes in service delivery and utilization as the outbreak is likely to wax and wane over the next months, and to adapt solutions accordingly.  

To that end, WHO will continue to work with countries and to provide supportive tools to address the fallout from COVID-19. Given countries’ urgent demand for assistance during the pandemic response, WHO is developing the COVID19: Health Services Learning Hub, a web-based platform that will allow sharing of experiences and learning from innovative country practices that can inform the collective global response. WHO is also devising additional surveys at the sub-national level and in health facilities to gauge the longer-term impact of disruptions and help countries weigh the benefits and risks of pursuing different mitigation strategies. 

The survey ‘Rapid assessment of continuity of essential health services during the COVID-19 pandemic’ (HYPERLINK), was conducted in 159 countries (all WHO regions except the Americas). 105 responses were received (66% response rate) from senior ministry of health officials covering the period from March to June 2020. The purpose of the survey was to gain insights and perspectives on both the impact of the COVID-19 pandemic on up to 25 essential health services in countries and how countries are adapting strategies to maintain essential services.

While pulse surveys have some limitations, the strength of this effort is that it is comprehensive, looking at 25 core health services (as opposed to single topic surveys) and representing disruptions to these services in a comparable way across over 100 countries. It reveals that even robust health systems can be rapidly overwhelmed and compromised by a COVID-19 outbreak, reinforcing the need for sustained data collection and strategic adaptations to ensure maintenance of essential care provision.

Sluggish Improvement In Passenger Demand Continues

Passenger demand in July (measured in revenue passenger kilometers or RPKs), continued at critically low levels--79.8% below July 2019 levels.

This was somewhat better than the 86.6% year-over-year decline recorded in June, primarily driven by domestic markets, most notably Russia and China. Market reopening in the Schengen Area helped to boost international demand in Europe, but other international markets showed little change from June. Capacity was 70.1% below 2019 levels and load factor sagged to a record low for July, at 57.9%.

“The crisis in demand continued with little respite in July. With essentially four in five air travelers staying home, the industry remains largely paralyzed. Governments reopening and then closing borders or removing and then re-imposing quarantines does not give many consumers confidence to make travel plans, nor airlines to rebuild schedules,” said Alexandre de Juniac, IATA’s Director General and CEO.

JULY 2020 (% YEAR-ON-YEAR) WORLD SHARE1 RPK ASK PLF (%-PT)​2 PLF (LEVEL)​3
Total Market
100.0%
-79.8%
-70.1%
-27.7%
57.9%
Africa
2.1%
-93.7%
-84.3%
43.4%
29.6%
Asia Pacific
34.6%
-72.2%
-64.9%
-17.2%
65.7%
Europe
26.8%
-81.3%
-72.7%
28.1%
60.9%
Latin America
5.1%
-87.5%
-83.2%
-22.0%
63.1%
Middle East
9.1%
-92.5%
-84.7%
-41.7%
39.6%
North America
22.3%
-80.6%
-63.9%
-41.0%
47.6%

International Passenger Markets

July international passenger demand collapsed 91.9% compared to July 2019, a slight improvement over the 96.8% decline recorded in June. Capacity plummeted 85.2%, and load factor sank 38.9 percentage points to 46.4%.

European carriers’ July demand toppled 87.1% compared to last year, improved from a 96.7% drop in June, year-over-year, reflecting relaxation of travel restrictions in the Schengen Area. Capacity dropped 79.2% and load factor fell by 33.8 percentage points to 55.1%.

Asia-Pacific airlines’ July traffic dived 96.5% compared to the year-ago period, virtually unchanged from a 97.1% drop in June, and the steepest contraction among regions. Capacity fell 91.7% and load factor shrank 47.3 percentage points to 35.3%.

Middle Eastern airlines posted a 93.3% traffic decline for July, compared with a 96.1% demand drop in June. Capacity tumbled 85.6%, and load factor sank 43.4 percentage points to 38.0%.

North American carriers saw a 94.5% traffic decline in July, a slight uptick from a 97.1% decline in June. Capacity fell 86.1%, and load factor dropped 53.0 percentage points to 35.0%, second lowest among regions.

Latin American airlines experienced a 95.0% demand drop in July, compared to the same month last year, versus a 96.6% drop in June. Capacity fell 92.6% and load factor sank 27.1 percentage points to 58.4%, highest among the regions.

African airlines’ traffic dropped 94.6% in July, somewhat improved from a 97.8% contraction in June. Capacity contracted 84.6%, and load factor fell 47.1 percentage points to 25.4%, which was the lowest among regions.

Domestic Passenger Markets

Domestic traffic fell 57.5% in July. This was an improvement compared to a 68% decline in June. Domestic capacity fell 42.2% and load factor dropped 22.9 percentage points to 63.3%.

JULY 2020 (% YEAR-ON-YEAR) WORLD SHARE1 RPK ASK PLF (%-PT)​2 PLF (LEVEL)​3
Domestic
36.2%
-57.5%
-42.2%
-22.9%
63.3%
Dom. Australia
0.8%
-90.0%
-82.8%
-34.7%
48.5%
Dom. Brazil
1.1%
-77.7%
-74.9%
-9.5%
75.2%
Dom. China P.R.
9.8%
-28.4%
-18.3%
-10.5%
74.4%
Dom. Japan
1.1%
-65.2%
-44.0%
-27.2%
44.6%
Dom. Russian Fed.
1.5%
-17.7%
-0.8%
-15.7%
76.5%
Dom. US
14.0
-72.6%
-50.7%
39.7%
49.6%

China’s carriers’ traffic was down 28.4% compared to July 2019. Recovery had slowed modestly in June amid new virus outbreaks but resumed its pace from mid-July.

Russian airlines’ domestic traffic was down 17.7% in July, dramatically improved compared with 58% decline in June. Demand has been supported by low domestic fares and a boom in domestic tourism.

ROCK Insurance Group Updates Its COVID-19 Insurance Policies To Include Cover For Travel Against FCO Advice

ROCK Insurance Group has updated its policies, making it the first travel insurance brand to provide cover when travelling against FCO advice whilst simultaneously protecting consumers against COVID-related issues both pre-departure and whilst abroad.

The policies have been updated to support the travel trade by instilling consumer confidence around travelling so they can go on their holidays as planned when flight and accommodation services are still operating, knowing they are protected, even if the destination is removed from the UK Government’s travel corridors list.

The updated policies allow consumers to travel against FCO advice but only when it relates to COVID-19 – exclusion will still apply for all other reasons, e.g. natural disasters, civil unrest etc. While the updated FCO-related policy is currently only applicable to European destinations, ROCK Insurance Group is working on including other non-European countries which will be announced soon.

As well as including cover for travel against FCO advice to European countries, the benefits of the existing policies will stay the same (including cancellation as standard):

Before a trip:

  • Cover if a customer tests positive for coronavirus within 14 days before their holiday
  • Cover if they have been hospitalised within 28 days of their holiday
  • Cover if they are not allowed to board their flight as a result of a positive coronavirus test or raised temperature
  • The policy can be cancelled if the UK or the customer’s local area enters lockdown again within 14 days of purchase

During a trip:

  • Cover if they have checked in at their holiday accommodation but the property needs to close as a result of the coronavirus
  • Medical cover included if they catch coronavirus whilst abroad
  • Cover if it is medically necessary to bring the customer home
  • Cover for additional accommodation and travelling costs if they contract coronavirus whilst abroad

Antony Martin, Managing Director at ROCK Insurance Group says, “Due to the continuous updates to travel restrictions, we wanted to bring an option to market that allows travel against FCO advice as it is becoming difficult and expensive to administer all the changes and consumers need to have flexible products they can trust. While some insurance brands have launched products that allow travel against FCO advice, we are proud to be the first to provide this type of cover whilst simultaneously protecting travellers against COVID-related issues both pre-departure and during their trip. Our goal is for consumers to continue their holiday plans as normal which will be key to rebuilding the travel industry. We saw an opportunity to provide an integrated solution that would sit as part of our core offering and benefit our partners, potential new partners within the travel trade space and their customers. We are expecting an exceptionally strong conversion as it ultimately provides the customer with the protection and confidence they really need to travel.”

COVID-19 'Fit To Work' App To Help Organisations Protect Employees On Their Return To The Workplace

A new app developed by global travel and operational risk company, Anvil Group, prompts employees to self-certify that they are free of COVID-19 symptoms before coming into work, enabling employers to reduce the potential for infection in the workplace. 

Available on iOS and Android devices, the app takes employees through a series of questions relating to the main COVID-19 symptoms recognised by the UK National Health Service, and delivers an initial diagnosis based on the answers submitted. The app lets employees know whether they are deemed safe to enter their workplace or should stay at home and await further instructions. Employees' self-certification results are immediately sent to their employer, enabling them to remain compliant with health and safety legislation and identify any potential cases early.  
 
The app has been designed to help businesses, particularly those with at least 50 employees and limited HR or Health & Safety resources, who may be struggling to cope with managing the increased measures introduced, to ensure workforce safety.  
 
Matthew Judge, Group Managing Director, Anvil Group comments, "Even with social distancing measures, appropriate facilities for additional hand hygiene, and undertaking robust and regular workplace cleaning, government advice also stipulates that early identification of the infected and those in close contact with them, is essential. By developing the Fit to Work app, we're providing a solution that will help organisations to navigate a return to the workplace safely and with confidence."
 
"Employers need to take sensible steps to fulfil their duty of care and to document their assessment and adopted policies. Being able to demonstrate that they have considered the risks carefully and have taken sensible steps to mitigate those risks will be crucial evidence in defence of any subsequent claims. If someone becomes infected at work in the absence of evidence of such steps having been taken, the employer is vulnerable to being found in breach of duty and liable for losses arising."  

Healix International Announces SAP Concur Partnership To Help Employers Locate And Communicate With Employees During Critical Incidents

Leading international health and security provider, Healix International, has announced plans to integrate with SAP® Concur® solutions. SAP Concur is the world’s leading brand for travel, expense and invoice management solutions. The new version of the Healix Sentinel Tracker will leverage SAP Concur data to address the safety challenges facing employers with global workforces.

“In today’s world, with the persistent risk of high-impact localised security incidents occurring in even some of the safest environments, the pressure on security managers has never been higher,” explained Mike Webb, CEO of Healix International. “And one of the big challenges at times of critical incidents is finding an efficient and effective way to locate and communicate with employees that may be affected.”

“The Healix Sentinel Tracker tackles this hurdle by tapping into the wealth of health and security intelligence gathered by our network of experts on an hourly, daily and weekly basis. We will integrate with the SAP Concur Itinerary API, which delivers comprehensive traveller location data from Concur® Travel, Concur® TripLink, TripIt® from Concur and Concur® Request. The result is rapid location of employees that could be impacted by a critical incident and real-time communications to ascertain their safety and provide assistance at times of critical need.”

The Healix Sentinel Tracker will utilise the travel and employee profile information to effectively pinpoint the location of a company’s business travellers, expatriate workers and local nationals across the globe. Risk managers are therefore able to monitor and account for their globally mobile workforce via integration with the Healix Sentinel Travel Oracle mobile app.

With ‘Location Services’ activated by employees on the app, they receive alerts based on their physical location while risk managers are provided with an accurate, real-time global view of their employees on an interactive map and alerted of any incidents where they have employees in that location. Security alerts and notifications are pushed to employees and risk managers in a timely manner with incident level thresholds configurable according to each client’s specific requirements. A full audit trail of messages also is retained.

Alerts are published in real-time by Healix International’s intelligence analysts who monitor, corroborate and analyse breaking developments and potential threats as they happen. Impact radius or geo-fencing can be used to ensure that alerts and notifications are only targeted at employees in affected locations, reducing disengagement caused by issuing generic alerts irrelevant to other employees.

When a critical incident occurs, the geo-fencing feature can be used to rapidly identify all employees in the affected area, with contact made via the integrated communication capabilities to quickly ascertain each individual’s safety and wellbeing. Clients can use the platform to manage this process themselves or outsource the responsibility to Healix’s in-house security operations team.

Features of the Healix Sentinel Tracker include:

  • App-based tracking tool, providing greater accuracy in terms of location data
  • Will be integrated with:
    • Desktop tracking platform for risk managers
    • Healix medical and security content
    • Concur Travel, Concur TripLink, TripIt and Concur Request
  • Enhanced risk management controls to increase organisational situational awareness
  • Automated alert notifications and intelligence for employees and travellers 
    • Data set includes alerts via app, email and/or SMS and country briefing reports
    • Configurable thresholds for risk intelligence notifications
  • Employer notification of exposure in relation to an incident
  • Notification of an employee’s request for assistance
  • Fully integrated mass notification system for communication with all global employees
  • Geo-fencing and messaging capabilities
  • ‘Check-in’ feature that allows an employee or traveller to manually ‘check-in’ at a particular location 24/7, showing up on the map within the system.

The Healix Sentinel Tracker is complemented by the Healix Sentinel Critical Watch service as Mike Webb explained: “A critical incident affecting a global workforce could happen at any time of the day or night, anywhere in the world. But if an organisation does not have the in-house resource to provide around the clock monitoring, the employer’s duty of care can be seriously undermined. Healix Sentinel Critical Watch pairs with the Healix Sentinel Tracker to deliver 24/7 support on an employer’s behalf. In the event of a critical incident, our in-house Global Security Operations Centres will immediately identify employee exposure within an incident impact radius and proactively reach out to ascertain their safety on the company’s behalf.

iPMI Magazine Provider Network Directory September 2020

The September 2020 edition of the iPMI Magazine Provider Network e-Directory is out now, featuring over 70 pages of international private medical insurance and assistance company intelligence.

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

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

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

    Enter full screen click the small rectangle above ↑

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

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

Current Advertisers 

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

PAYORS AND PROVIDERS IN FOCUS:

IPMI

ASSISTANCE

AIR AMBULANCE

COST CONTAINMENT AND CLAIMS MANAGEMENT

FUNERAL DIRECTORS

HEALTHCARE INSURANCE MANAGEMENT

PHARMACY BENEFITS MANAGEMENT

 

 

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

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

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

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

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

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

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

How has Global Excel Europe weathered this pandemic?

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

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

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

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

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

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

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

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

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

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

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

Health Checklist To Help Airlines Implement ICAO COVID-19 Guidance

The International Air Transport Association (IATA) released an airline self-assessment health checklist to support the International Civil Aviation Organization’s (ICAO) Take-off: Guidance for Air Travel through the COVID-19 Public Health Crisis

The Take-off guidance is the global standard framework of risk-based temporary measures for governments and the air transport value chain for safe operations during the COVID-19 crisis.

“Safety is always the number one priority for air transport. And the challenges of COVID-19 have added a new dimension to our efforts. Developed with input from industry, public health authorities and governments, ICAO’s Take-off guidance is the global standard for safe operations. IATA’s self-assessment checklist is a practical implementation guide to help airlines comply,” said IATA’s Director General and CEO, Alexandre de Juniac.

“A harmonized approach to health is key not only to the recovery of civil aviation but also to ‘building back better,’ which is crucially important to ensuring the future resilience of the aviation network. IATA’s health checklist for airlines will be of importance in terms of providing momentum for the implementation of the ICAO Council Aviation Recovery Task Force (CART) recommendations, of which harmonization and resilience are the guiding principles,’’ said ICAO’s Council President, Salvatore Sciacchitano.

The IATA Health Safety Checklist for Airline Operators provides the standards and recommended practices (IHSARPs), associated guidance material and other supporting information necessary for an operator to self-assess. Sections cover:

  • Pre-arrival notification;
  • Check in;
  • Embarkation and Disembarkation;
  • Aircraft Cleaning;
  • Onboard Air Quality;
  • In-flight Operations;
  • Flight and Cabin Crew – General;
  • Crew Layover;
  • Airport Facilities.

The checklist is available at www.iata.org. and can be used free of charge by interested airlines.

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iPMI Magazine Articles

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...

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Travel And Healthcare In A Post-COVID-19 World

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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...

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

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

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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...

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

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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...

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The Biggest Challenges Faced by Medical Assistance Professionals

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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...

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

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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...

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Coronavirus: Are We Overreacting?

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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...

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The Challenges Of Living Abroad With Cancer

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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...

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

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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...

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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...

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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...

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The Rugby World Cup 2019 – A Corporate Travel Conundrum

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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...

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

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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...

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Video: In 2019 The Definition Of An Expatriate Is Obsolete

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

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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...

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

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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...

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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...

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Top 5 Cost Containment Risks For Insurers In Nepal

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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

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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

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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

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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

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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