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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 (http://ipmiconference.com) 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 (crewsure.com) 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

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

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"

Collinson Partners With Hiscox To Soothe Frustrated Travellers With SmartDelay

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Collinson has signed a partnership with Hiscox. The agreement gives Hiscox customers with travel insurance included in their home insurance complimentary access to over 1,000 LoungeKey™ airport lounges around the world in the event of a flight delay.

Whether they are travelling for business or leisure, eligible Hiscox policyholders who experience a flight delay of more than 90 minutes will automatically be sent a voucher by email and SMS, which they can instantly redeem in more than 100 countries. Lounge access, which includes complimentary snacks and refreshments, free WiFi and device charging, free newspapers and magazines as well as business and conference facilities, can be enjoyed by the policyholder with up to four accompanying friends or family members.  

In addition, Collinson also provides Hiscox policyholders with access to its Card Sentry service, providing 24/7 assistance and a simple and effective way to manage the cancellation and replacement of cards or documents if they are lost or stolen at home or abroad.

Tim Slattery, Personal Lines Underwriting Manager at Hiscox UK & Ireland commented, “We are always seeking new ways to deliver an enhanced proposition for our customers. Whether it’s lost productivity for business travellers or a bad start to a family break, flight delays are a real pain point so access to a comfortable, quiet space to relax or work should help to alleviate this.” 

According to the Financial Times, delays reported by Europe’s airlines resulted in an average of 135,000 minutes - or 94 days – of delays daily during the month of July.

Richard Coleman, European Director at Collinson, added, “We’re very pleased to partner with Hiscox. The SmartDelay solution will help Hiscox to further differentiate its offering from competitors, while its valued customers will benefit from immediate access to the haven of one of our global network of lounges, when they need it most. 

To be qualify for a complimentary lounge pass, eligible Hiscox customers are required to register their flight details at least six hours prior to scheduled departure. 

Integra Global Launches New Worldwide Member Claims Portal

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Integra Global, a leading provider of international health plans, announces the launch of a brand new member portal. 

The website, operated by Integra Global's claims administrator MAI, goes live today and will serve as a hub for all Integra Global worldwide members to use their health policy. 
 
The portal will allow members to: 
  • Download policy documents 
  • Update personal details and information
  • Pre-authorise treatment
  • Make and track claims
  • Access Integra Global medical providers directory
Members can access the portal by visiting yourinsurance247.com online or by using the Integra Global yourHealth app. 
 
Philip Catterton, Managing Director at Integra Global Group, commented, "Our goal is to make the lives of our members easier, by giving them quick and easy access to healthcare around the world. 
 
"We believe that this new portal, in addition to our app, yourHealth, provides a great way for our members to manage their policy online, with ease, transparency and efficiency. 
 
"In addition, our members will now be able to track their current and historical claims with our administrator, MAI, making the process more straightforward for all."
 
Integra Global launches the member portal following the announcement that residents of China & Singapore will be incorporated under its worldwide underwriting partnership with MGEN. 

iPMI Magazine Provider Network Directory October 2018

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Uniting #IPMI industry leaders under 1 roof the October edition of iPMI Magazine provider network directory delivers all the pertinent company intelligence your business needs to navigate the complex world of IPMIClassifications covered include IPMI, Assistance, Air Ambulance, Cost Containment And Claims Management, Funeral Directors, Ground Ambulance, Healthcare Insurance Management, Pharmacy Benefits Management.

The IPMI industry use the iPMI Magazine Provider Network Directory to source the best information and data on worldwide medical 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.

    Enter full screen click the small rectangle above ↑

 

PAYORS AND PROVIDERS IN FOCUS:

IPMI

ASSISTANCE

AIR AMBULANCE

COST CONTAINMENT AND CLAIMS MANAGEMENT

FUNERAL DIRECTORS

GROUND AMBULANCE

HEALTHCARE INSURANCE MANAGEMENT

PHARMACY BENEFITS MANAGEMENT

About iPMI Magazine Provider Network Directory

Publication Frequency: Monthly.

Format: Digital, Online. Free to read, no registration required.

Pages: 80+ (currently).

Language: English.

Readership: 40,000 + unique readers PCM.

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

 

Medix Medical Monitor Survey Uncovers Singapore's Health Concerns and Perceptions

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Survey shows high fear of cancer, heart attacks and diabetes, with many Singaporeans pessimistic about their health status and unsure of the best place to turn for advice. Demand for personal medical case management, new cancer treatment technologies and personalised diagnosis is high across every demographic.

  • Majority of Singaporeans are worried about their health, with only 42% stating they consider themselves quite or very healthy. A significant majority of Singaporeans are worried of one day being diagnosed with Cancer.
  • Singaporeans are keen to understand more about their health and take proactive measures to prevent developing serious medical conditions, but only 58% believe their GP is providing them with sufficient information about possible preventative measures.
  • 60% undergo some general physical examinations, yet only 26% actually undergo any tests that are related to the prevention and/or early diagnosis of cancer, despite this being their biggest fear. For example, of female respondents, only 37% undergo Pap smear and breast examination tests which are known to save lives.
  • Disturbingly, when it comes to defining the cancer and choosing the most appropriate cancer treatment, only 20% consider undergoing a biopsy the most important step in the cancer journey, alongside even less (12%) who see staging as a crucial first step, despite both being crucial to improving medical outcomes and survival rates. 92% are likely to use new and advanced technologies that enable targeted and personalised cancer care if made available.
  • 42% combine traditional Chinese Medicine with Western Medicine, and from our experience are doing so without consulting their primary specialist on the potential negative effects of combining both.
  • Almost half of Singaporeans believe the choice of a specialist equals in importance to the hospital they will be treated at.
  • Most Singaporeans are equally satisfied with the public and the private healthcare system (67% vs. 68%), with lowering costs being their main concern.
  • There is a strong interest (78%) in obtaining Personal Medical Case Management services, and 86% would be interested in a multi-disciplinary approach to treatment.

A new survey commissioned by Medix has uncovered a range of attitudes towards the diagnosis and treatment of health conditions in Singapore. Across every demographic there is a pessimism towards personal heath and fear around being diagnosed with cancer. Many Singaporeans are proactive with seeking second opinions and undertaking physical examinations, but there is a strong desire for more personalised advice and treatment options.

The study reveals men (53%) are more worried about strokes than women (32%), while cancer is the biggest worry for both, with heart attacks (51%) and diabetes (44%) the next highest concerns. Worryingly, only 58% feel their GP is providing them with sufficient information to prevent diseases. In the case of receiving a severe medical diagnosis, 87% would seek a second opinion.

Residents from all demographics show a strong understanding of the importance of genetic testing (78%) and regular physical check-ups (60%), yet there remains a strong desire for further information and services to prevent serious, medical conditions. 78% state that they would be interested in personal medical case management in the case of a serious illness, and 86% would like a multi-disciplinary approach to treatment. An overwhelming 91% would look for information on new technologies that treat cancer.

When it comes to seeking advice around specialists, less than half (41%) ask their GP for advice, with 14% looking online for recommendations. In regards to the value of specialists, 3 in 4 are confident of the answers provided by them. Surprisingly, 46% feel that the choice of specialist and hospital are of equal importance for the medical outcome.  When it comes to satisfaction of healthcare service provision, both the pubic (67%) and private (68%) sectors are seen of equal importance.

"There is a clear demand for more information around the options available when it comes to healthcare in Singapore. One of the most important steps when tackling health problems is to be as prepared as possible, so preventative measures, regular relevant check-ups, additional medical opinions, and consultations with the right range of specialists is the ideal approach," said Sigal Atzmon, CEO of Medix. "Knowledge is power, and making educated, objective choices should be Singaporeans priority. Everyone from insurers to doctors to government should be offering the necessary resources to provide these options and ensure that everyone is confident about being able to access them."

While the survey shows a widespread fear of cancer diagnosis, less than half undergo cancer related prevention and early diagnosis tests. For example, only a worrisome 37% of female respondents undergo breast examinations and/or Pap Smears, which are known to save lives. Only 29% of respondents undergo liver function tests, alongside 21% undergoing thyroid function tests.

In terms of the actual treatment of cancer, 42% combine traditional Chinese medicine and Western medicine.

"This is quite worrying as medical literature and research has indicated there can be potentially negative side-effects for the cancer patient when combining conventional Western treatments with traditional Chinese medicine without obtaining appropriate advice," 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."

Ms. Atzmon, CEO of Medix, added: "The fear of cancer is one of the most striking findings of this survey, especially when you consider it alongside the lack of tests being carried out to diagnose it. The fact that just over half of respondents stated that their cancer was managed by an oncology specialist, despite the clear benefits of doing that is a cause for concern. Another significant concern is around the lack of understanding on which are the most important steps to be undertaken to define your cancer and make an educated choice of treatment. Only 20% understand that undergoing a biopsy is the most important step before treatment, alongside only 12% who see staging as a crucial step, despite both being critical to improving medical outcomes and survival rates.  There are some positives when it comes to seeking second opinions, and interest by Singaporeans to use new and advanced technologies in cancer treatment, but clearly more education needs to be done. 

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 Singapore 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 Oncologist advice and, go for additional medical opinions and apply a multidisciplinary approach. When going for additional medical opinion, or medical case management, retrieve your medical information, as this is crucial for ensuring a quality driven proces
  • Ask about new treatment options and genetic testing of your tumour to personalise your treatment plan.
  • Consult an oncologist before combining TCM with Western Medicine.

Further, Ms. Atzmon called on the Singapore Government to take additional steps to better educate Singaporeans about cancer prevention and treatment, improve accessibility to subsidised cancer screening tests and implement tools to generally reduce cost of treatment  in private hospitals, for example, by applying packaged pricing. "There is a pressing need for greater transparency and reporting on treatment provided by the private sector as well," she added.

The survey was carried out with 600 respondents from diverse backgrounds in regards to income, age and gender. A presentation deck outlining the results in detail can be provided on request.

Established in 2006, Medix is a global and leading provider of innovative, high quality, medical management solutions. With offices in London, Hong Kong, Shanghai, Singapore and Tel Aviv, and a client base exceeding 3 million members in over 90 countries, Medix offers its clients -- primarily global health and life insurers, financial groups, large corporations and government institutions -- significant value-added services in the world of healthcare. Medix' team comprises 300 in-house doctors, as well as nurses, research experts, medical admin teams and an accredited global network of over 3,000 specialists and 1,500 leading hospitals.

Medix is proud to provide its customers with proven better medical outcomes. On global yearly average, Medix has changed the initial diagnosis in over 20% of the cases and improved treatment choices in over 43% of those cases. In Asia, these numbers are even higher. By doing so, Medix provides its customers with fast-track solutions to the right diagnosis and optimised treatment pathways. In over 55% of the cases, unnecessary consultations, tests, treatments and procedures were avoided, which led to significant improvement in overall medical quality, efficiency and cost-management.

Further, Medix also provides disease prevention management services, digital health solutions and medical governance services to insurers, large corporates and government institutions.

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

For more information please visit: www.medix-global.com

About Medix Medical Monitor Research 

The Medix Medical Monitor Research was structured to investigate Singapore consumers' awareness and behaviour towards health issues and cancer. The research data was collected through computer-assisted web interviews of 600 people, who are health insurance policy holders aged 26 to 59 with average or above average personal income. The quotas on gender, age, personal income applied reflect the representation of Medix' target consumers in Singapore. The research was conducted in August, 2018 by Kantar Millward Brown, a leading multinational market research firm.

 

Bupa Fined £175,000 For Systemic Data Protection Failures

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Bupa Insurance Services Limited (Bupa) has been fined £175,000 by the Information Commissioner’s Office (ICO) for failing to have effective security measures in place to protect customers’ personal information.

ICO Director of Investigations, Steve Eckersley, said, “Bupa failed to recognise that people’s personal data was at risk and failed to take reasonable steps to secure it. Our investigation found material inadequacies in the way Bupa safeguarded personal data. The inadequacies were systemic and appear to have gone unchecked for a long time. On top of that, the ICO’s investigation found no satisfactory explanation for them.”

Between 6 January and 11 March 2017, a Bupa employee was able to extract the personal information of 547,000 Bupa Global customers and offer it for sale on the dark web.

The employee accessed the information via Bupa’s customer relationship management system, known as SWAN. The system holds customer records relating to 1.5 million people.

The employee sent bulk data reports to his personal email account. The compromised information, which included names, dates of birth, email addresses and nationality, was later offered for sale on the dark web.

Bupa was alerted to the breach on 16 June 2017 by an external partner who spotted customer data for sale.

Bupa and the ICO received 198 complaints about the incident. The rogue employee was dismissed and Sussex Police issued a warrant for his arrest.

The ICO’s investigation found that, at the time, Bupa did not routinely monitor SWAN’s activity log. Bupa was unaware of a defect in the system and was unable to detect unusual activity, such as bulk extractions of data. Failing to keep personal data secure is a breach of the Data Protection Act 1998.

It revealed systemic failures in Bupa’s technical and organisational measures which also left 1.5 million records at risk for a long time.

Due to the timing of this case, it was dealt with under the provisions and maximum penalties of the Data Protection Act 1998, and not the General Data Protection Regulation and 2018 Act which replaced it in May this year.

The ICO website has advice on how to keep IT systems safe and secure under the new Act.

RELATED: Video: Sheldon Kenton Managing Director Bupa Global Gives Information About Bupa IPMI Data Loss

Aetna International Cements Humanis Partnership With Broker Launch Event

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Leading international health benefits provider, Aetna International and French insurance group, Humanis, have hosted a launch event in Paris for global and local brokers to provide further details of their new partnership.

The event cements the relationship between the two organisations in the eyes of intermediaries and was an opportunity to discuss what the deal means for the broking community, both inside and outside of France.

Guests heard presentations and speeches from directors of both companies at the stunning Musée Jacquemart André. Laurent de Veyrac, Senior Director, Strategic Business Development, Aetna International, described how this unique partnership will increase access to global healthcare solutions for large corporations and French expats around the world.

Humanis’ 700,000 corporate customers will have access to an Aetna International healthcare solution that meets regulatory requirements in the UAE and be able to control healthcare costs in the US more easily by utilising the Aetna medical network. Members will benefit from Aetna International’s 900,000 global medical provider network outside of the US, and enjoy a simplified and highly personalized health experience that is both convenient and affordable.

The partnership was well received by representatives from the broker market including Mercer, Aon, Willis, JP Colonna and Verlingue.

Related Reading: The Future’s Healthy For French Expatriates

In this article Laurent de Veyrac, Senior Director, Strategic Business Development at Aetna International explains the cover French nationals are entitled to when abroad and where the Aetna/Humanis deal offers value.

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 Aetna/Humanis deal offers value.

CFE a special program run by the French government, allows French expatriates to maintain many of their social health insurance system benefits whilst abroad. By keeping contributions up to date treatment abroad, and in France, will be covered up to French social insurance limits.

The benefits available to expatriates through the CFE equate to those guaranteed by the French State System: reimbursement of medical, surgical, hospital, pharmaceutical, dental, optical and laboratory expenses. A number of pension, disability, and unemployment benefits are also available.

Overall, around 65% of medicine costs are covered, up to the social insurance limit. 80% or 100% of hospital fees are covered, depending on the type of treatment.

For French nationals the CFE offers some important healthcare benefits. That said, the benefit ceilings can be limited when compared to a typical international health insurance plan offering a US$1m+ overall limit and a wide range of covers. The cost of medical care can also vary significantly from country to country, potentially creating large out of pocket expenses for French nationals, even with the heavy state subsidy.

The CFE doesn’t cover evacuation, and there is no helpline available if the local healthcare system is a mystery and a high quality medical facility difficult to find. There are no trained counsellors to offer support when the move abroad becomes too stressful, and no safeguarding if a natural disaster or political unrest causes a personal injury risk.

For these reasons, I would argue that an employer cannot reasonably fulfil their employee duty of care obligations by relying on the CFE cover. And this is where the Aetna International partnership with Humanis comes into play.

One of the largest health insurers in France, Humanis has over 700,000 corporate clients and 10 million insured members. Aetna International is one of the largest international private medical insurance providers with over 900,000 members.

The two companies have together created a proposition for French expatriates living and working outside of France.

The Humanis/Aetna International solution will integrate and build upon the CFE’s benefits by linking seamlessly with Aetna’s worldwide medical network and compliant global product. As a result, Humanis members will have access to a wider network of medical facilities in the US and a UAE compliant solution.

For corporates, there will be a range of both CFE aligned, and non-CFE-aligned, solutions for their employees. Cover will be convenient, personalised and affordable. Members will be able to access Aetna International’s global medical provider network where direct billing is widely available, meaning lower out of pocket expenses.

A duty of care exists for organisations sending French nationals on overseas assignments to keep those employees healthy and safe. French expatriates can enjoy the exceptional and unusual benefits offered up by the CFE, but there are gaps. To close the gaps, employers need to look at one of the international health insurance market’s emerging schemes that dovetail with CFE and offer exceptional levels of global coverage at the same time.

 

 

 

 

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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.

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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.

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