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Consumers Want Obamacare Health Insurance Waiver Too

Consumers Want Obamacare Health Insurance Waiver Too

A week out from the Obama administration's decision to delay the employer mandate penalty for not providing health insurance to employees, a new consumer survey from HealthPocket finds substantial sentiment that the same temporary waiver should apply to uninsured individuals.

Consumers Want Obamacare Health Insurance Waiver Too

Forty-one percent of respondents said, "Yes, the waiver should apply equally," more than triple those who answered, "No, the consumer fine should remain." HealthPocket surveyed 884 people from across the United States and asked, "Should the Obamacare fine on consumers without health insurance be waived in 2014 just as the fine for employers not providing health insurance was waived?"

Nearly half of respondents were not certain; 41 percent said the waiver should be equally applied; 12 percent of respondents said the consumer fine should stand. "Consumers are beginning to understand how the Affordable Care Act affects them, but there is still a lot of uncertainty," said Bruce Telkamp, HealthPocket CEO. "Last week's delay of the employer mandate demonstrates that the Obamacare implementation schedule is still not set in stone. Consumers will have to stay tuned to fully understand the market changes going live in the fall." The employer penalty, now delayed until 2015, pertains to employers with 50 or more full-time equivalent workers.

The majority of adult Americans also face penalties if they are uninsured, and that fine is currently scheduled to take effect in 2014. The penalty for not being insured is intended to maximize the number of healthy people in the insurance pool, thereby lowering both insurers' risk base and health insurance premiums. The 2014 fee for individuals remaining uninsured is 1 percent of their annual income or $95, whichever is highest. The penalty increases annually until reaching $695 or 2.5 percent of annual income, whichever is highest, and is adjusted after 2016 based on cost of living. This InfoPoll survey was conducted between July 3 and July 5, 2013.

The methodology to acquire survey respondents who approximate national statistics on age, gender, and region was implemented by Google. To compare premiums for health plans in any geographic area, visit HealthPocket's health plan comparison tool.

Affinity and partnership marketing in UK legal services

 

Affinity and partnership marketing in UK legal services
  • Opportunities in affinity and partnership marketing constitute an important consideration for providers of both commercial and consumer legal services.

According to new research released by Finaccord, an increasing number of organisations are acting as affinity or corporate partners for legal services, much in the manner that insurance and other consumer services have long been marketed through partnerships. Across a total of 1,700 organisations investigated, 518 (30.5%) offer a legal service in one form or another, usually in conjunction with one or more external partners (rather than via their own in-house resources).

Indeed, across the five service categories considered – namely, legal helplines / assistance, commercial legal services, conveyancing, will writing and other consumer legal services – the research identified over 850 separate examples in total. Initiatives are most widespread in the area of legal helplines / assistance followed by commercial legal services, other consumer legal services, conveyancing and will writing.

Commented Alan Leach, Director at Finaccord: "Many of these examples pre-date the introduction of alternative business structures (ABSs) from October 2011 onwards although that change to the competitive environment, brought about through the Legal Services Act of 2007, is now producing a number of important new initiatives. For instance, these are especially visible in the insurance sector where ABSs have been created recently by a number of competitors including Admiral Insurance Group, Ageas, Autonet and DAS."

Among not-for-profit affinity partners, professional associations, trade associations and trade unions are often involved in these areas, as are banks, building societies and insurers among financial partners, and estate agency and property services firms among commercial partners. As shown in the bar chart, 71.1% of trade unions offer legal services with the equivalent percentages reaching 62.5% for automotive associations (although there are only eight of these), 43.1% for insurers, 42.6% for building societies and 38.6% for professional associations.

At 32.5%, the percentage is lower for trade associations but that is partly because with over 720 organisations in this sub-category in total, it is by far the largest of those investigated. In fact, 235 trade associations offer legal services to their members making this the area in which partnerships are most numerous (as opposed to frequent), far ahead of trade unions (69) and professional associations (56). The research also calculates both the unweighted and weighted share of partnerships of providers in each of the five service categories with the former measure based on a straightforward count of the number of relationships identified and the latter on a formula that takes into consideration the likely importance of the organisations with which the partnerships have been established.

For legal helplines / assistance, the leading provider in both unweighted and weighted terms is Croner, a trading style of Wolters Kluwer (UK), mainly by virtue of its many relationships with trade associations. Turning to commercial legal services, Steeles Law emerges as the leading provider on an unweighted basis but is displaced by Irwin Mitchell in weighted terms. In the realm of conveyancing, Thompsons is the provider with the greatest number of affinity partnerships although eConveyancer (a trading style of United Legal Services) leads on a weighted basis.

For will writing, Thompsons leads once again in the unweighted analysis but is overtaken by Brodies and Hugh James (used as a duo by several major retail banking brands) when viewed in weighted terms. Finally, with regards to other consumer legal services, Thompsons leads the way by both measures – this legal services firm holds partnerships with a total of 30 different organisations, most of which are trade unions. Concluded Alan Leach: "In an increasingly competitive environment, opportunities in affinity and partnership marketing constitute an important consideration for providers of both commercial and consumer legal services in the UK that want to grow their business.

Finaccord's research shows that close to 250 providers of legal services hold at least one partnership among the organisations investigated and a significant number of these hold five or more relationships which underlines the extent to which affinities and partnerships constitute a significant element of their marketing strategy." "Ultimately, the impact of the Legal Services Act has not been to produce a 'big bang' of the type seen in the financial services sector a generation ago; moreover, the description of it as 'Tesco Law' may also prove to have been wide of the mark; at the time of the research, no supermarket chains had yet launched legal services.

However, it has injected a significant degree of uncertainty into a sector that has already experienced declining profitability in a number of areas in recent years, causing traditional law firms to re-think the way that they promote their services to customers and acquire new business."

Sales and Development Manager Travel & Medical Insurance Vancouver

Sales and Development Manager Travel & Medical Insurance Vancouver

Closing date: July 4th, 2013. Key Requirements: Must have a minimum of 5 years Accident & Sickness experience and hold current insurance licenses in British Columbia, plus other provinces where required.

Key responsibilities:

 

  1. To work as the designated Sales and Development manager for a brand new travel insurance broker that has recently been established.
  2. To develop new travel insurance business in the province of British Columbia, using experience, skills, incentives and effective training to reach agreed financial targets.
  3. To develop established relationships and motivate growth and performance, recognizing the varied needs and cultures that exist by province and region and to adapt to such needs.
  4. As Sales and Development Manger, you will be required to travel and develop strategic business relationships, to maximise growth and development.
  5. Recognizing the above points, the successful candidate will be required to formalise a sales and development strategy to ensure success is achieved.
  6. You will be required to raise the profile of your employer through involvement with industry activities and relevant conferences.
  7. The role will primarily be home based

 

Competencies and qualities:

 

  1. A strong understanding of the travel insurance and healthcare industry, travel insurance products and industry competitors.
  2. A strategic and tactical thinker.
  3. Professional, dynamic and motivated by success.
  4. Shares the same corporate values of customer care, integrity and honesty to ensure trust is built up with clients.
  5. Possesses a strong work ethic and an ability to follow through with winning business.
  6. Demonstrates creative and innovative ways of developing business.

 

Other Requirements:

 

  1. A quick learner, especially regarding the changes that are taking place within the travel insurance industry.
  2. Possesses strong levels of business, financial, and technological acumen.
  3. Sociable with a good sense of humour!

 

Remuneration: A competitive base salary and package is available, with sales bonuses which will be commensurate with the applicants experience and expertise. Please send your résumé and a covering email to This email address is being protected from spambots. You need JavaScript enabled to view it. or for further information, please contact redconsulting at Tel +1 819-300-6181.

For more jobs like this please visit iPMI Magazines recruitment platform at www.ipmi.co

New Insurance Broker Initiative by iPMIM: Assisting Insurance Brokers Accelerate Their Entry Into The Health Insurance Market

New Insurance Broker Initiative by iPMIM: Assisting Insurance Brokers Accelerate Their Entry Into The Health Insurance Market

You are a health, medical, travel or expatriate insurance broker, or at least you want to be. You want to source the right information about the worldwide health insurance plans, that you wish to represent and sell. You have clients worldwide who are seeking to compare private medical and health insurance plans, and you wish to have the best suite of solutions available, so they may select the most appropriate coverage. iPMI assists worldwide brokers facilitate more relations with leading healthcare payors and providers.

Read more: New Insurance...

Living with Asthma

The World Health Organisation estimates that 235 million people around the world suffer from asthma. It is a problem that occurs in all countries, regardless of the level of development. Asthma is the most common chronic disease among children so for expatriates with families, it is a concern that should be considered, especially as on-going treatment costs can be significant. Most expatriates are away for a number of years and during this time, many are likely to have a growing family who will face all kinds of challenges as they get older.

Read more: Living with Asthma

International Health Insurance Sales Consultant

International Health Insurance Sales Consultant

Our client AOC Insurance Broker is now recruiting for the position of International Health Insurance Adviser. To apply for this position and others like it please visit the brand new International Health and Medical Insurance Recruitment platform, produced by iPMIM @ http://iprivatemedicalinsurance.com

International Health Insurance Sales Consultant Profile:

  • High School Diploma or equivalent.
  • Insurance degree is a plus
  • Bilingual English/French.
  • Fluent in German (or another language) would be very appreciated
  • Basic computer skills including Microsoft Office products
  • Strong interpersonal communication skills
  • An outgoing, positive person who enjoys building relationships
  • Minimum of 3 years experience in health insurance
  • Experience in a sales related role would be a plus

Duties:

Salary: CDI full time. Based in Paris, FRANCE Fixed basic salary + Commissions + Bonus (On objectives)

To apply for this position and others like it please visit the brand new International Health and Medical Insurance Recruitment platform, produced by iPMIM @ http://iprivatemedicalinsurance.com

Congratulations MedCare Professional Ground Ambulance

 

We offer national and international transport, the patient gently and quickly as possible for our clients with superior cost and reliable. Our professional staff and our cars are in front of our headquarters location 24 hours. Thus, we guarantee short response times, economic calculations and reliable quality. Whether intensive transport, ambulance or return flights, all the way patients are cared for by our highly qualified medical staff with modern equipment. We are available around the clock - and also likes to help.

iPMI Magazine is pleased to announce that MedCare Professional are our most popular ground ambulance company.

MedCare Professional provides Ground Ambulance and Air Ambulance Services to the International Travel, Medical, HealthExpatriate Insurance and Assistance Marketplace.

MCP is a leading medical transportation services provider and offers national and international patient transport. We operate reliably and economically with leading insurance companies, hospitals and groups together, our team has won several awards for its outstanding quality.

MedCareProfessional is as the name of the program: Only highly qualified medical staff takes care of the patient, our equipment is many-to-date national and international certifications out for us self-evident proof of our own standard of quality - as a guarantee for our customers and their own motivation. You can rely on us. Always.

Operations center

The operations center is the heart and the hub of our company: This is where all the information here makes the team together between uses. In the center offers will be created to advise people in emergencies, international missions planned, conducted exploratory conversations, solutions found and coordinated operations. From the first contact ask our staff all the necessary information to determine together with the respective client that's right for the patient Transportmodalität. 24 hours a day medical staff are on hand to take on missions to counsel patients and to make medical inquiries as members. Our ground ambulances, mobile intensive care and ambulance and commercial aircraft, we help injured and sick people with professional help all over the world. We work on all transport routes and in Auslandsrückholdienst, anytime, anywhere.

Company: MedCareProfessional GmbH

Address: Kerkenbusch 15 45529 Hattingen / Ruhr

Tel: +49 (0) 2324 - 919980

Fax: +49 (0) 2324 - 9199820

Serviceline: +49 (0) 700 555 00 100

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

Web: http://www.medcareprofessional.com

 

Cigna Foundation Sponsors Philadelphia Orchestra’s 40th Anniversary Tour to China

Cigna Foundation Sponsors Philadelphia Orchestra’s 40th Anniversary Tour to China

Underscoring its commitment to the health and well-being of the people of China, the Cigna Foundation is the sponsor of The Philadelphia Orchestra’s 40th Anniversary Tour of the People’s Republic of China kicking off May 31 and running through June 9. This tour celebrates the Orchestra’s anniversary of its first China tour in 1973 while signaling the future, as the tour runs concurrently with the Orchestra’s innovative new residency program that will bring classical music to China’s major cities and further into its provinces.

Read more: Cigna Foundation...

International Private Medical Insurance Magazine

International Private Medical Insurance Magazine

International Private Medical Insurance Magazine is the ultimate health insurance magazine and guide to private medical insurance, medical assistance, travel assistance, cost containment, air ambulance, ground ambulance, third party administration, claims management, travel, travel insurance, medical tourism and expatriate life.

Providing mission critical business information International Private Medical Insurance Magazine has you covered and has been in operation since 2011. With over 100 clients, iPMI Magazine quickly established itself as the industry standard media for the international health insurance and assistance industry. News that travels as fast as your internet connection, International Private Medical Insurance Magazine remains digital to serve what is a nomadic industry.

Reaching further than any news paper, magazine or journal International Private Medical Insurance Magazine publishes and distributes international healthcare industry, market, company and executive news, as it happens, from where it happens.

IMG and Sister Cities Provide Insurance Solutions to International Travelers

Sister Cities International to Offer IMG International Insurance Products to its Members 7/1/2013  (INDIANAPOLIS – MAY 21, 2013) – International Medical Group®, Inc. (IMG®), a worldwide leader in designing, distributing and administering global health care benefits, today announced its international medical insurance products will be available to members of Sister Cities International effective July 1, 2013.  Members will be able to view and purchase a variety of IMG products at www.sister-cities.org.  The new relationship is designed to enhance the services offered to Sister Cities International members.   “We are very pleased that Sister Cities International will be offering our products,” said R. Brian Barwick, president and CEO of IMG.  “The relationship brings together two best-in-class organizations committed to the well-being and safety of its customers and members.  With our premier products and experienced staff, we provide service to our customers wherever they are in the world.  Sister Cities International members will now be able to access the international resources and care they need to help their communities continue completing world-class exchanges.”         IMG’s international medical insurance products provide short and long-term coverage for individuals, groups and families traveling, living and working abroad.  Each product provides international benefits not found on standard domestic health plans.  In addition to competitive premiums, IMG customers have access to multiple international service and assistance centers, multilingual customer service professionals, and claim administrators who process claims from all over the world handling most languages and currencies.  They also have 24-hour access to coordinators of emergency medical services and treatment.  Additionally, when seeking treatment outside the U.S., customers can access more than 17,000 physicians and facilities through IMG’s proprietary International Provider AccessSM (IPA) database.  By offering these specialty products and services, Sister Cities International feels it can bring a complete international insurance solution to its members.     “Sister Cities International is excited to be working alongside International Medical Group,” said Mary Kane, president and CEO of Sister Cities International.  “Our members are sure to benefit from IMG’s proven international insurance products and stellar services.”    The relationship was made possible with the help of Donald S. Hardy of Quantum Benefits.  Hardy has over 50 years of insurance experience and has been contracted to sell IMG products since 2005.  He added, “I am happy to bring these two great organizations together, and I am pleased that the members of Sister Cities International will have access to the quality international insurance they demand.”

International Medical Group®, Inc. (IMG®), a worldwide leader in designing, distributing and administering global health care benefits, today announced its international medical insurance products will be available to members of Sister Cities International effective July 1, 2013. Members will be able to view and purchase a variety of IMG products at www.sister-cities.org. The new relationship is designed to enhance the services offered to Sister Cities International members. Read more: IMG and Sister...

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Affinity and partnership marketing in UK legal services

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International Health Insurance Sales Consultant

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12-06-2013 IPMI Magazine Breaking News

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Exclusive assistance service offer developed just for Desjardins members

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03-06-2013 Emergency Medical and Travel Assistance News

Allianz Global Assistance: another year of growth confirms the Group’s position as worldwide leader

Allianz Global Assistance announced its 2012 financial results and confirmed its ambitions for 2015. The Group reported that growth in global turnover was up 9% over 2011, exceeding the proclaimed objective of 2.2 billion Euros (2.238 billion Euros). Turnover 2012: 2.238 billion Euros (+9%); Operating profit: + 20.1%; Combined Ratio: 96%; 12 171 employees in 34 countries; 20 million files treated; 50 million calls; All of the Group’s geographic regions and its three lines of...

03-06-2013 IPMI Magazine Insurance Industry Company Results

Congratulations MedCare Professional Ground Ambulance

  iPMI Magazine is pleased to announce that MedCare Professional are our most popular ground ambulance company. MedCare Professional provides Ground Ambulance and Air Ambulance Services to the International Travel, Medical, Health, Expatriate Insurance and Assistance Marketplace. MCP is a leading medical transportation services provider and offers national and international patient transport. We operate reliably and economically with leading insurance companies, hospitals and groups together, our team has won several awards for its outstanding quality. MedCareProfessional is as the name of the program:...

03-06-2013 IPMI Magazine Breaking News

APRIL and SOS International start up joint assistance platform in China

With a staff of around ten to begin with, this operational platform will be managed and coordinated by two local managing partners who are assistance specialists. This joint venture will enable APRIL and SOS International to complete their international coverage in a geographical region with huge potential. By pooling and referring to this platform assistance services provided in China, Hong Kong, Macao, Taiwan and Mongolia, the two partners are in...

31-05-2013 Emergency Medical and Travel Assistance News

International Medical Group Appoints Todd Hancock Executive Vice President

International Medical Group®, Inc. (IMG®), an Indianapolis-based insurance group, today announced that Todd Hancock joined the company as executive vice president, joining the experienced management team led by R. Brian Barwick , president and CEO. The appointment of Mr. Hancock, a seasoned insurance executive with more than 20 years of industry experience, signals a renewed focus on growth and innovation for the reputable global company. Mr. Hancock will...

31-05-2013 Executive Appointment Insurance News

List Your Air Ambulance Company in the International Private Medical Insurance Magazine Air Ambulance Company Guide and Directory

International Private Medical Insurance Magazine provides insurance, assistance and private companies access to trusted Air Ambulance Company data. You can compare, select and source a air ambulance company in the International Private Medical Insurance Magazine air ambulance company guide and directory. International Private Medical Insurance Magazine works closely with air ambulance owners, operators and brokers with providers and companies from all corners of the earth including Austria, Belgium...

31-05-2013 iPMI Magazine Corporate

List Your Medical Assistance Company in the International Private Medical Insurance Magazine Medical Assistance Company Guide and Directory

List Your Medical Assistance Company in the International Private Medical Insurance Magazine Medical Assistance Company Guide and Directory International Private Medical Insurance Magazine provides insurance, assistance and private companies access to trusted Medical Assistance Company data. You can compare, select and source a medical assistance company in the International Private Medical Insurance Magazine medical assistance company guide and directory.

31-05-2013 iPMI Magazine Corporate

GeoBlue Sponsor International Private Medical Insurance Magazine

International Private Medical Insurance Magazine is proud to announce the acquisition of GeoBlue as a sponsor and advertiser. GeoBlue is a leader and innovator serving the needs of world travelers. GeoBlue Expat® and GeoBlue Traveler® group health plans combine unsurpassed service and mobile technology to help you access trusted doctors and hospitals all around the globe.

31-05-2013 iPMI Magazine Corporate

FAI Air Ambulance Sponsor iPMI Magazine

Leading air ambulance company FAI are proud to announce their sponsorship of international healthcare journal, International Private Medical Insurance Magazine. FAI rent-a-jet AG (dba FAI Flight Ambulance International) was founded in 1986 as a 100%-subsidiary of a private club under the company name of IFA-Flugbetriebs GmbH.

31-05-2013 iPMI Magazine Corporate

New Zealand Ministry of Foreign Affairs and Trade appoints Healix to manage healthcare services for staff working or travelling overseas

Leading international healthcare and medical assistance company, Healix, has secured the contract to provide managed healthcare and medical assistance services for overseas employees of the New Zealand government’s Ministry of Foreign Affairs and Trade (MFAT).

31-05-2013 Emergency Medical and Travel Assistance News

Cigna Foundation Sponsors Philadelphia Orchestra’s 40th Anniversary Tour to China

Underscoring its commitment to the health and well-being of the people of China, the Cigna Foundation is the sponsor of The Philadelphia Orchestra’s 40th Anniversary Tour of the People’s Republic of China kicking off May 31 and running through June 9. This tour celebrates the Orchestra’s anniversary of its first China tour in 1973 while signaling the future, as the tour runs concurrently with the Orchestra’s innovative new residency program...

31-05-2013 IPMI Magazine Breaking News

Health insurance available to tourists in Tibet

Tourists in Tibet can buy insurance to cover medical bills for altitude sickness and receive emergency aid services beginning in late May, the Tibet Tourism Bureau and Tibet branch of the China Life Insurance Company Ltd said. The insurance costs 100 yuan ($16.30) and is valid for 15 days. Its benefits include 20,000 yuan compensation for medical bills, and 680,000 yuan in emergency-aid services.

31-05-2013 IPMI Magazine Travel and Tourism Breaking News

AIG Signs Joint Venture Agreement with PICC Life to Form an Agency Distribution Company in China

American International Group, Inc. (NYSE: AIG), People’s Insurance Company (Group) of China (“PICC”) and PICC Life Insurance Company Limited (“PICC Life”) have announced that they have entered into a joint venture agreement to form an agency distribution company in China. In December 2012, AIG invested US$500 million as the largest cornerstone investor in the PICC initial public offering.

31-05-2013 Insurance Industry Mergers and Acquisitions News

RacePartner™ Launches Race Registration Insurance With Allianz Global Assistance

Statistics show that about 15% of race participants are out of the race before it begins, often due to illness, injury or some other unforeseen event[1]. With that in mind, Forte Interactive's RacePartner™, a leader in customized race registration, and Allianz Global Assistance USA, a leader in consumer specialty insurance, are partnering to provide event organizers and participants peace of mind by protecting registration fees for both parties with race...

31-05-2013 Emergency Medical and Travel Assistance News

Allianz Global Assistance Selects American Express For Travel Management And Corporate Payments

American Express have announced that it has been selected by Allianz Global Assistance Australia, a global leader in travel insurance and emergency assistance services, to manage its travel and corporate payments programs. American Express Global Business Travel will manage all of Allianz Global Assistance Australia’s travel requirements including its employee business travel, as well as the travel needs of its insurance customers who require medical repatriation.

31-05-2013 Emergency Medical and Travel Assistance News

Hawaiian Airlines Announces Closing of $444,540,000 Aircraft Financing under Enhanced Equipment Trust Certificates

Hawaiian Airlines, Inc. a wholly owned subsidiary of Hawaiian Holdings, Inc. (NasdaqGS: HA), have announced the closing of its first-ever offering of Enhanced Equipment Trust Certificates ("EETC") securing fixed, low-interest financing for the acquisition of six new Airbus A330-200 aircraft delivering over the next 18 months.

31-05-2013 IPMI Magazine Travel and Tourism Breaking News

Bupa to complete acquisition of leading Australian and New Zealand dentistry group

Bupa, the international healthcare group, is set to complete its full acquisition of Dental Corporation, Australia and New Zealand’s largest dental group, comprising 190 clinics and more than 560 dentists. The Supreme Court of Victoria in Australia today approved the deal after the ownership change was overwhelmingly supported by Dental Corporation’s shareholders last week.

31-05-2013 Insurance Industry Mergers and Acquisitions News