Globality Health Latest News

Globality Health Strengthens Network Management With Appointment Of Ronald Pritchard

Globality Health is proud to welcome the appointment of experienced senior operations manager, Ronald Pritchard, as Head of Network Management. His mission is to optimize working relationships with partners and the medical provider network, with special emphasis on operational and financial efficiency. He joined Globality...

18-05-2016 iPMI Magazine Executive Appointments Movements News

Globality Health Names Michael Kløcker As New Chief Commercial Officer

As of 1 May, Michael Kløcker is the Chief Commercial Officer of the international health insurer with a special focus on expatriates, Globality Health. His appointment completes Globality’s Board of Management, allowing interim CCO Gregor Schulte to focus on his core role as Chief Financial Officer. "I...

05-05-2016 iPMI Magazine Executive Appointments Movements News

Globality Health Continues UK Market Expansion With Appointment Of New UK Regional Sales Director

Globality Health, the international medical insurer with a special focus on expatriates is excited to announce the appointment of Mr. Gavin Royston, as UK regional sales director. With a wealth of iPMI industry experience spanning over 13 years, including 8 years at Bupa and 4 years posted...

22-06-2015 iPMI Magazine Executive Appointments Movements News

Globality Health Introduces New CEO

Munich Health, the health segment of Munich Re, has appointed Roman Beilhack as new CEO for Globality Health. The appointment is the next step in a comprehensive development program for Globality Health, the international health insurer with a special focus on expatriates within Munich Re. Beilhack...

07-11-2014 iPMI Magazine Executive Appointments Movements News

Globality Health Partners With UAE’s Leading Health Insurer Daman

By partnering with the National Health Insurance Company - Daman, Globality Health is extending its full international health insurance offering, including 24/7 emergency medical assistance and medical evacuation and repatriation services, to the United Arab Emirates (UAE). The partnership with Daman allows Globality Health`s clients...

04-11-2014 iPMI Product News

Globality Health Take Lead Sponsorship Position On Maritime Labour Convention 2006 Round Table Business Forum

iPMI Magazine is proud to announce Globality Health has taken the lead sponsorship position on the upcoming Maritime Labour Convention 2006 Round Table Business Forum. Mr. Philip Wright, Chief Commercial Officer at Globality Health will take the head of the round table. The Maritime Labour Convention...

13-03-2014 RT Delegate Sponsor News

EuroAlarm Joins The Globality Health Global Network

Globality Health is strengthening its global network by partnering with leading international assistance provider, EuroAlarm, to provide full international care, including 24/7 emergency medical assistance, medical evacuation and repatriation services, to all group and individual clients. A full support service that clients can depend upon...

03-12-2013 iPMI Magazine Breaking News

iPMI Conferences 2014

Team iPMIM are currently very busy researching a health and medical insurance conference for 2014. We are now at a stage where we need your input. iPMI Conferences ( facilitate dialog and debate between the various sectors of the international healthcare business. Insurance companies, assistance networks...

08-11-2013 iPMI Magazine Breaking News

New Cover For The Untapped Seafarers Market From Globality Health

Globality Health responded to the need for appropriate insurance for seafarers by partnering with Crewsure ( to offer clients innovative insurance products. From August 20th 2013 all vessels over a certain size have to comply with a new labour convention known as the Maritime Labour...

19-08-2013 iPMI Product News

Globality Health Introduces A New International Health Insurance Plan For Individuals - Yougenio® World

Globality Health has launched its new international health insurance plan for individuals, YouGenio® World. It is replacing YouGenio® with a large number of improvements to the current plan levels Classic, Plus and Top, such as full cancer care. In twelve-months the product development team has...

16-04-2013 iPMI Product News

A.M. Best Upgrades Credit Ratings Of General De Salud Compañía De Seguros S.A.

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A.M. Best has upgraded the Financial Strength Rating to A- (Excellent) from B++ (Good), the Long-Term Issuer Credit Rating to “a-” from “bbb+” and the Mexico National Scale Rating (NSR) to “aaa.MX” from “aa+.MX" of General de Salud Compañía de Seguros S.A. (Gsalud) (Mexico City, Mexico). The outlook of these Credit Ratings (ratings) has been revised to stable from positive.

The ratings reflect Gsalud’s balance sheet strength, which A.M. Best categorizes as strongest, as well as its adequate operating performance, limited business profile and appropriate enterprise risk management (ERM).

The rating upgrades reflect Gsalud’s balance sheet strength that is underpinned by risk-adjusted capitalization at the strongest level, as measured by Best’s Capital Adequacy Ratio (BCAR), strong underwriting practices and supportive reinsurance program. The ratings also recognize Gsalud’s affiliation and strategic importance to its ultimate parent, Peña Verde, S.A.B., a leading group in Mexico’s (re)insurance industry, which provides synergies and operating efficiencies. Offsetting these positive rating factors are Gsalud’s concentration in one business line and the highly competitive health insurance market.

Gsalud is a fully owned subsidiary of General de Seguros, S.A.B. (General de Seguros) and focused solely on health insurance. The company provides products mainly in the individual and collective health segments, as well as for major medical expenses. Gsalud has used the same distribution channels as General de Seguros, which involves agents, brokers and commercial offices.

Gsalud’s strongest risk-adjusted capitalization is maintained despite its increased risk appetite, as reflected by a higher exposure to shares, which makes the company susceptible to equity risk according to BCAR. Historically, the company’s strong underwriting practices have resulted in positive technical performance with no dependence on investment revenue to achieve positive bottom line. A.M. Best expects the company to maintain this trend. In 2017, Gsalud sustained profitability as reflected in a 22.3% return on equity.

The company’s investment policies are conservative, providing a steady flow of revenue to support its positive operating results. Moreover, the company benefits from being integrated into the Peña Verde, S.A.B. group, gaining operational leverage through common systems, procedures and ERM practices.

A.M. Best expects underwriting results to further reinforce the company’s operating performance, and thus capitalization levels. Factors that may trigger positive rating actions include a continued generation of underwriting earnings that strengthen risk-adjusted capitalization levels. The company’s current ratings could come under pressure should a lack of underwriting discipline result in overall profitability falling short of A.M. Best’s expectations, or if capitalization is no longer supportive of the current ratings.

Hurricane Michael Likely Will Take Bigger Toll On Reinsurers

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In this episode of A.M. BestTV, David Blades, senior research analyst, and Chris Draghi, senior financial analyst, both with A.M. Best, said rated insurers operating in Florida appear prepared to absorb anticipated catastrophe losses from Hurricane Michael, with reinsurers expected to take a larger share of losses than they did for Hurricane Florence in September. 

“I think it is safe to say from the standpoint of insured and economic losses, these will be a little higher than the initial estimates, given how the storm intensified before making landfall,” said Blades. “A.M. Best believes its rated companies are sufficiently capitalized with appropriate reinsurance programs in place to absorb any claims. We think reinsurers will absorb more losses from Hurricane Michael as compared with that from Hurricane Florence, but even then, losses should still be within reinsurers’ catastrophe budgets and overall loss estimates.”

Draghi discussed the preparedness of the so-called “take–out” insurers in Florida.

“These companies were tested last year with Hurricane Irma,” said Draghi. “Different areas were brought to light that needed certain revisions, such as reinsurance protection or concentration management, but other mitigation strategies proved effective. Overall, this is definitely a unique collection of companies that have their own distinctive strategies, old and new, that will affect the affordability and availability of insurance within the market.”

To access a copy of this briefing, titled, “Insurers and Reinsurers Brace for Hurricane Michael Catastrophe Losses,” visit

AXIS Re Welcomes Ann Haugh As President Of Global Markets

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AXIS Re has announced the appointment of Ann Haugh as President of its Global Markets division. In this role, Ms. Haugh will oversee AXIS Re Strategic Partners, global Specialty Re and AXIS Re’s international business platform in the Lloyd’s market. Ms. Haugh will be a member of the Reinsurance Leadership Team and will report to AXIS Re CEO Steve Arora. She will be based in London.

Ms. Haugh joins AXIS Re from the international insurance services firm Thomas Miller, where she served as Group Chief Operating Officer. Previously, she held a number of senior underwriting and operations leadership positions at Aspen Insurance Group and Zurich Insurance.

“We are excited to welcome Ann to AXIS. Her 25 years of insurance experience spans underwriting, operations, strategy and P&L management. This breadth and versatility of experience is a great addition to our organization. Ann also demonstrates the strong cultural values of execution and empathy that we are building at AXIS Re,” said Mr. Arora.

AXIS Re also announced that Rob Smart, who currently serves as Interim President Global Markets, has been appointed to the newly created role of Head of Specialty Re, and will report to Ms. Haugh. The Specialty Re unit, which is within AXIS Re’s Global Markets division, was established in May 2018 when AXIS announced a new organizational design for its reinsurance segment as part of a commitment to strengthen market leadership.

“I am confident that Rob will be successful in leading this very important business for AXIS Re and delivering global product strategies. We are appreciative of his energy and commitment in establishing the Global Markets division during the interim period,” said Mr. Arora.

UnitedHealth Group Reports Third Quarter Results

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UnitedHealth Group (NYSE: UNH) reported third quarter results, with continued strong, well-diversified performance across the enterprise.

“These results reflect our businesses delivering increased value at an accelerating pace to society and the millions of people we serve – one person at a time,” said David S. Wichmann, chief executive officer of UnitedHealth Group.

The Company raised its outlook for 2018 net earnings per share to now approach $12.10, from the prior range of $11.80 to $12.05, and adjusted net earnings per share to now approach $12.80, from the prior range of $12.50 to $12.75.

  • UnitedHealth Group’s third quarter 2018 revenues grew $6.2 billion or 12.4 percent year-over-year to $56.6 billion, with strong revenue growth rates across both UnitedHealthcare and Optum.
  • Third quarter earnings from operations grew $502 million or 12.3 percent year-over-year to $4.6 billion. Adjusted net earnings of $3.41 per share grew 28.2 percent, with an improved net margin of 5.6 percent.
  • Adjusted cash flows from operations of $6.1 billion were 1.9x net income in third quarter 2018.
  • The consolidated medical care ratio of 81.0 percent in the third quarter of 2018 decreased 40 basis points year-over-year, with the return of the health insurance tax more than offsetting business mix changes and more moderate reserve development. Favorable medical reserve development of $50 million in the quarter was driven by $120 million in favorable development related to 2018, partially offset by $70 million in unfavorable development from 2017.
  • The operating cost ratio of 15.0 percent in the third quarter of 2018 increased 30 basis points year-over-year, as business mix changes and operating efficiencies were more than offset by the return of the health insurance tax.
  • The third quarter 2018 income tax rate of 22.5 percent decreased 10 percentage points year-over-year, reflecting the reduced federal statutory rate and results of tax planning and management, partially offset by the return of the nondeductible health insurance tax for 2018.
  • Third quarter 2018 days claims payable increased three days sequentially and remained unchanged year-over-year at 51 days. Days sales outstanding of 18 days was flat sequentially while increasing two days year-over-year.
  • Annualized return on shareholders’ equity increased 340 basis points year-over-year to 25.9 percent, and the debt to total capital ratio decreased sequentially by approximately two percentage points to 38.9 percent at September 30, 2018.
  • UnitedHealth Group repurchased 1.9 million shares in the third quarter, bringing year-to-date purchases to 15.7 million shares for $3.65 billion. Dividends paid to shareholders were $866 million in the third quarter, reflecting the 20 percent increase in the Company’s dividend rate in June 2018.

Read the complete set of results here.

Medix Survey Uncovers Hong Kong’s Fear And Confusion Around Cancer

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Lack of knowledge on which preventive measures are essential, and a significant reliance on Google and family for additional advice, highlights the need for much more to be done to help educate citizens on the diagnostics, treatment options, technologies and lifestyle needed to tackle cancer.

A new survey commissioned by Medix has uncovered a worrying trend across Hong Kong when it comes to the perception, diagnosis and treatment of cancer. Across every age group and gender, there is a clear fear of being diagnosed with cancer, yet a lack of sufficient screening and actions taken to prevent and early diagnose cancer. Further,  confusion is seen over the best resource to turn to for advice on treatment, along with a strong desire for personal medical case management and access to new diagnostic medical technologies to obtain personalised, targeted treatment.

  • Survey finds 75% of Hong Kong respondents are worried about being diagnosed one day with cancer, with 69% knowing at least one person in their close social circle who has been diagnosed. Despite this, only about a third undergo cancer related tests to prevent or diagnose the disease. For eg. Only 36% of women have pap smear/breast examinations, which is known to save lives.
  • Knowing where to turn to for advice is another area of concern, with almost a third of respondents looking to Google (32%) and family/friends (31%) for additional advice after a diagnosis, rather than a family doctor (30%).
  • Ensuring the best treatment is applied at the time of diagnosis is another area of concern, with less than half identifying the following as the singular most important step in the treatment of cancer: staging of the disease before deciding on treatment (13%); genetic testing of the tumour to match best treatment option (13%); and biopsy of the tumour in obtaining final diagnosis (13%).
  • Currently, when it comes to treatment, nearly half (49%) combine conventional medicine with traditional Chinese; On the other hand, 85% of respondents would use advanced new technologies focusing on identifying the genetic makeup of the tumour to enable targeted, personalised cancer care, if made available.
  • 78% are strongly interested and would seek for personal medical case management services should they be diagnosed with cancer (compared to 76% last year).

“What’s clear from the survey, and our own experience managing patients, is that people are missing the chance to save a Hong Kong life. It’s as simple as that,” said Sigal Atzmon, CEO, Medix. “Take breast cancer for example, in Hong Kong it is the most common cause of cancer and the third leading cause of cancer related death among women, yet there is a worrying number of female respondents who do not have regular breast examinations of any kind.”[1]

“There is a clear need here to re-address how everyone from the government to insurers and doctors help educate people on the importance of taking a preventative and early diagnosis approach.”

One of the most striking aspects of the findings is that they are very similar across the different age groups and genders. Take the initial steps after diagnosis, Google (32%) and family/friends (31%) are two of the most popular ways people seek advice, behind only seeing an oncologist (74%). When asked about how they would approach cancer for themselves or their family, there is a strong demand to obtain personal medical case management services (78%). Worryingly, only a few (13%) view undergoing a biopsy to obtain a final diagnosis as being the most singular important step in the cancer treatment journey. Additionally, only 13% consider staging of the disease the most important step before deciding on treatment. Both of these steps have proved to have a big impact on quality of care provided, medical outcomes, survival rates and cost of treatment if carried out on time.

The survey also showed that there is still a belief that Traditional Chinese Medicine (TCM) complements conventional cancer treatment, with nearly half (49%) of cancer patients having combined Western treatment with TCM.

“This is quite worrying as medical literature & research has indicated there can be potentially negative side-effects for the patient when combining conventional Western treatments with Traditional Chinese Medicine,[2]” said Professor David Zeltser, Global Medical Director at Medix. “For example, Asian Ginseng, is used in Chinese medicine to prevent cancer and restore strength. However, this induces the activity of CYP3A in the liver, which in turn reduces the effectiveness of many proven chemotherapy drugs. Physicians should be more proactive in obtaining a complete medication history, including herbal medicine use, when advising on suitable courses of treatment.[3]

“This survey clearly shows that Hong Kong citizens need to change their attitude and approach to cancer. In our opinion, while there is strong awareness of the risks of cancer, people are not taking the right preventative measures until it’s too late. There is a lack of understanding about the best resources for information, and the first crucial steps on how best to tackle cancer. This means Hong Kong people are potentially pursuing treatments without receiving all of the right advice.”

Ms. Atzmon added, “Seeking personal medical case management once you have already started treatment could often be too late, when actually it should be the first thing that you do. This should be alongside a measured and smart approach to speaking to different specialists, undergoing a biopsy and staging of your disease. The desire to find out more about new technologies focusing on identifying the genetic makeup of the tumour and using them to enable targeted, personalised cancer care if available is promising and shows there is a consumer appetite for innovative and more personalised ways to tackle cancer.”

Professor Zeltser said the survey results, coupled with Medix’ deep understanding of specialised personal medical case management services, pointed to a very clear set of guidelines to better help Hong Kong people deal with cancer. These include:

  • Conduct screening tests based on your risk profile and family history.
  • Insist on a biopsy and staging before starting treatment.
  • Seek additional opinions and apply a multidisciplinary approach.
  • Ask about new treatment options and genetic testing of your tumour to personalise your treatment plan.
  • Assess and evaluate before rushing into surgery or starting your treatment plan.
  • Consult an oncologist before combining TCM with Western Medicine.
  • Seek treatment at specialist medical and academic centres which have access to clinical trials – remember, famous doctors and private facilities are not always the best option.

Further, Ms. Atzmon called on the HKSAR Government to take additional steps to better educate Hong Kong people about cancer prevention and treatment, improve accessibility to subsidised cancer screening tests and shorten waiting times for cancer treatment at public hospitals.  “There is a pressing need for greater transparency and reporting on cancer treatment provided by the private sector as well,” she added.

The survey was carried out with 500 respondents from a diverse background of income, age and gender. A presentation deck outlining the results in detail can be provided on request.




Save 25% When You Join iPMI Magazine Provider Network Directory*

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CEGA Deters Travel Insurance Fraudsters On BBC TV

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Over a million BBC viewers are expected to be glued to their screens this Thursday, to hear about the folly of travel insurance fraud from CEGA Special Investigations - in Series 10 of BBC1's Claimed and Shamed.

CEGA's Head of Technical Claims Simon Cook - a regular contributor to the programme - will educate viewers about the severity of submitting fraudulent travel insurance claims, and talk about the lengths to which insurers will go to detect dishonest claims, even in the most far-flung parts of the world; using real-life cases to make the point.

Just a day before the broadcast, CEGA Special Investigations will also be filming at its Chichester base for the next series of Claimed and Shamed - sharing more case studies of travel insurance fraudsters who have been stopped in their tracks.

Simon Cook comments, "Unearthing dishonest claims on behalf of our insurer clients helps clients remain competitive and ensures that honest claimants are paid as quickly as possible. But reducing travel insurance fraud is as much about deterring fraudsters as detecting fraud itself, and the BBC is a very effective channel through which to do this.

"Our long-running participation in BBC1's Claimed and Shamed series is just one example of our commitment to constantly find innovative new ways to support our insurer clients in the fight against fraud.

"Among other activities, we also identify emerging fraud trends, invest in cutting-edge training for front-end claims teams and work in collaboration with Charles Taylor Adjusting to add our fraud investigation services to Charles Taylor's loss adjusting offering. In addition, we stem insurer losses well beyond the travel insurance market, in the personal accident, household, health and life sectors."

 You can watch CEGA in Claimed and Shamed on Thursday October 18th, 11am on BBC1, or catch up on BBC iPlayer:

The APRIL Group Celebrates 30 Years With Industry Award Nomination And Commitment To IPMI

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APRIL Group is celebrating 30 years since its foundation in 1988. The Group, which operates in 31 countries, has developed international private medical insurance (iPMI) as a core business line outside of France.

Shortlisted for the prestigious category of Best Individual International PMI Provider at this year’s Health Insurance awards, the APRIL Group’s iPMI business line is now gaining increasing recognition in a highly competitive market space.

APRIL International UK Managing director, Joe Thomas said, “We are delighted to have been shortlisted for the Best Individual International PMI Provider category and are grateful for the support from our broker partners who voted for us. Our experience, depth of service and network gives us a strong global proposition and with this new award nomination, we are confident in our ability to be able to continue growing our share of the global iPMI market through the development of competitive solutions and innovative concepts, whilst delivering excellent support and superior service.”

The Group’s iPMI business brings together  APRIL International Care in France, APRIL International UK and APRIL Asia Pacific and now operates under the new trade name of APRIL International Care. It aims to make high quality medical care accessible for all customers wherever they are in the world supported by dedicated local service capabilities.

The APRIL Group’s iPMI business line acquired MediCare International in the UK just over four years ago and added GlobalHealth Asia in 2015 to lay the foundations for rapid expansion into the international private health insurance market. Now according to Joe Thomas, APRIL International Care is “Poised for a major push into new and existing markets.”

Based in Hong Kong, April International Care’s Head of Digital Marketing Kylee Bees has first hand experience of how innovation in one part of the Group can be developed, tested and delivered to the rest of the organisation. “Our mobile app is a case in point. Launched last year in Asia, it allows you to send all your medical invoices up to the value of US$800 electronically, so you don’t need to send us the original invoices anymore”. Bees adds, “With France already on board we are now working on rolling out this innovation to the UK, and Africa.”

Listed on the Paris Stock Exchange in 1997, APRIL now has a truly international footprint, with operations in 31 countries worldwide. In addition to its presence across mainland Europe and the UK, the Group own companies in the Far East, where separate subsidiaries support activities in Hong Kong, Singapore, Vietnam, Thailand, Philippines, Latin America and Africa. The Group now has over 3,800 employees worldwide supporting 20,000 distributors, 15,000 of which are brokers.

Skyservice Air Ambulance International Announces The Opening Of Its New Vancouver Base Of Operations To Enhance Its Service Portfolio

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Skyservice Air Ambulance International has spread its wings to Western Canada and is pleased to announce the launch of its latest base of operations at Vancouver International Airport.

“Some familiar faces will be joining our team led by Dr. Neilson McLean a well seasoned industry veteran as an Associate Medical Director” says David Ewing, Executive Vice President, Global Markets.

Dr. McLean has over 12 years experience in the air medical transport industry with 2 years experience as medical director for one of the world’s largest travel assistance companies and 10 years experience as medical director of a competing air ambulance service.

On the operations side, Mirka Dedinska will join as a Medevac Case Manager and will complement existing sales and flight coordination efforts at the Montreal alarm centre. 

CEGA And Solace Appointed By Lush For Travel Risk

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CEGA (part of Charles Taylor plc) and Solace Global have been appointed to provide their travel risk management service, Intrinsic assistance, to Lush Fresh Handmade Cosmetics.

Intrinsic assistance provides a range of bespoke, integrated medical and security travel solutions: minimising risk to travelling employees, operations and stakeholders. 

The tailored service gives Lush a centralised platform for all its travel risk management needs: preparing employees for travel to, and supporting them in, some of the most challenging parts of the world.

Lush and its travelling employees will benefit from, among other functions, pre-travel medical and security e-training, 24/7 awareness of real-time medical and security risks in relation to travellers' locations, face-to -face briefings and round-the-clock risk management and emergency responses - accessible via a Lush-branded app.

Nathan Holloway, business development manager for CEGA, says, "Our custom-made solution gives Lush's travelling employees the knowledge and support they need to do their jobs overseas, and enables colleagues in the UK to know exactly how close employees are to medical and security risks abroad. Crucially, it reassures them that all their travel risks are being mitigated and managed in one place.

"As an existing provider of global medical assistance to Lush, we're delighted to be developing our partnership in this way and to be supporting a company whose values we share."

Amanda Taylor, head of travel for Lush, says, "Our teams are travelling further afield to buy raw materials for our products and to support our global brand and worldwide sustainable projects, and this has provided reassurance to our travellers that wherever they are, we are able to support them in any time zone, 24-hours-a -day at the touch of a button.

"Our partnership with CEGA and Solace has also added a high level of support for our travellers from the planning of a trip to their return home and we are delighted to be working with them"

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International Private Medical Healthcare Expatriate Travel Insurance Plans

A guide to leading international medical, healthcare, expatriate and travel insurance underwriters, companies and providers operating within leisure, expatriate and corporate travel business markets, globally.


Medical, Healthcare, Expatriate And Travel Insurance

A guide to leading international medical, healthcare, expatriate and travel insurance underwriters, companies, providers, operating within leisure, expatriate and corporate travel business markets, globally.