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APRIL International Care Announces Enhancements To MyHEALTH Hong Kong Private International Health Insurance Policy Range

APRIL International Care has announced significant improvements to its MyHEALTH Hong Kong private international health insurance policy range, in particular to its “Elite” module. The changes took effect from the start of December.

The annual limit for the Elite module for in-hospital care has been increased from US $3.0 million to $4.5 million and a near doubling of check-up and vaccination cover has been added, giving a total benefit now of US $2,000, all with no change to policy premiums. In addition, new adult and child health benefits have been added and are now fully covered for Elite policyholders.

Another innovative introduction is adult and child preventative health screenings, which are particularly relevant in the current climate, tapping into the view that early diagnosis is increasingly important for many healthcare issues. April is now one of a very small number of insurers to add mammography, pap smear tests and prostate screening as part of its standard hospital and surgery benefit. These important enhancements come on top of April’s existing medical check-up and vaccinations package.

Lastly, in a move designed to address the rising importance of mental health care, for Extensive and Elite policyholders, April has now enhanced and increased cover for mental health support.

Commenting on the introducing of the new enhancements, Regional Head of Business Development Alistair Dickman said, “April International Care has a reputation for anticipating changing market needs and constantly improving the range of benefits available to policyholders. This year’s changes continue that trend. Our Elite policy now offers a blend of premium benefits and competitive pricing, which we believe makes APRIL International Care a very attractive choice.  For many conditions now, early diagnosis brings genuine benefits and faster recovery times. Our enhanced benefits open up that possibility, bringing peace of mind to clients.”

APRIL International Care are specialists in designing and delivering flexible international private health insurance solutions for individuals, families and companies.

For more information, contact APRIL International Care, or visit


iPMI Magazine Speaks With Simon Miller, Senior Director of Proposition at Aetna International

iPMI Magazine's CEO, Christopher Knight, speaks with Simon Miller, Senior Director of Customer Proposition at Aetna International.

They deep dive into how COVID-19 has impacted the mental health agenda, what employers can do to ensure a thriving workplace, and how apps and coaching via text can build positive coping mechanisms.

Hi Simon. Can you tell us a bit about how you first got started in health insurance and have you’ve seen it change over time?

I’ve been in product, proposition and innovation roles in health insurance for the past 15 years – the last two with Aetna International having come from a UK domestic PMI provider. It’s been a fascinating journey as product development has moved way beyond treatment benefit limits to answering wider everyday customer health needs. We’ve also seen a big shift in taking a proactive holistic approach to health – emotional, mental and physical – as well as a focus on keeping people healthy rather than intervening when someone becomes sick.

COVID-19 has clearly had a big impact on people’s mental health. What does that mean for employers who want to put in place robust support?

The pandemic has really shone a spotlight on the importance of workplace culture, mental health and well-being. Everyone has mental health, whether it’s poor or flourishing, and people can be at different stages of this complex journey. Our focus often falls on those who are unwell first. However, many people are not at that stage and may never reach it, if supported early enough. So, companies need to look for ways that their employees can approach positive mental fitness in the same way they’d approach physical fitness – prioritising well-being because it helps you achieve a well-balanced lifestyle and positive mindset, not because you’re ill or at risk.

Previously, we’ve seen the cost of well-being driving the agenda, through metrics like lost productivity, absenteeism and presenteeism. But, in my opinion, it’s time for a change in rhetoric. While these are important measures, they tend to focus on the negative and the few in that space that are struggling or at crisis point. Instead, wouldn’t it be exciting to see a shift in focus to measuring the positive impacts of a well-executed well-being strategy across a workforce? One where we hold ourselves to account on more holistic measures like sense of purpose, energy, connectedness, happiness and gratitude? Businesses could then validate the impact of the initiative back to harder measures like staff retention, job satisfaction and even, dare I say, health insurance claims and outcomes. In the future, we might even start to see the positive mental well-being of a workforce featuring in annual reports and influencing share price – a prospective that excites me.

What’s the role of a health insurer in achieving this in your view?

It’s about supporting both the employer and the employees, making sure the employer is aware of what’s available and helping to drive engagement. Sometimes employers aren’t aware of the full range of services available to them – from education and training to toolkits and apps for employees – so the first thing I’d recommend is a conversation with your insurer to make certain you’re tapping into everything your cover offers.

At Aetna International, for example, our focus is on empowering the member. We recognise different well-being needs and preferences, and ensure these feed into straightforward customer journeys that triage and navigate to appropriate onward support. In practice, this could be self-help tools, virtual primary care, other therapeutics via phone or video, or specialist in-person treatment. We’re also seeing apps gaining in popularity. People are familiar with the format, they’re convenient to access when and where needed, and they’re a straightforward point of entry for self-care support.

Where does your recent launch of the Wysa app fit into this?

Wysa is like having a mental well-being buddy in your pocket. It’s an app that uses conversational language to enable people to openly but anonymously share thoughts and feelings in a safe place, via text, on their terms, at any time of the day. The AI-driven chat function is really clever, having been programmed by therapists. It learns from you, so people can reflect on their thoughts and feelings and be guided to appropriate next steps, from self-help resources to coaching with a professional.


It's a great example of how digital tech can effectively bridge a spectrum of need and build positive coping mechanisms – not everybody is ready to speak to a stranger or commit to a structured counselling programme. It’s secure, confidential and solves the practical issue of having private conversations when private space may be hard to come by. So it’s a very accessible front door to enhance everyday positive emotional and mental health, and we see it as a key tool to support early engagement.

Does Aetna provide this approach to their own staff?

Yes, I’m pleased to say we’ve made sure we are walking the walk with our own staff. We’ve taken note of findings from our recent report, The Digital Health Dilemma, which highlighted how tech can be a double-edged sword when it comes to well-being, and looked to both digital and non-digital solutions for our employees.

For example, in terms of using tech solutions, we made sure everyone could access our virtual primary health care service, vHealth, so that they could talk to a GP without having to visit one physically. We also provided Wysa, which quickly became an invaluable tool for employees to deal with everyday anxieties associated with change, uncertainty, and the personal challenges associated with working and schooling from home.

To improve social connectedness, we’ve undertaken a very successful webinar series called ‘Let’s Get talking’, involving bi-weekly remote get-together sessions across our regions to pause, reflect, connect and share. These have been facilitated by our partner Rob Stephenson, a mental health campaigner and founder of Form. This is a simple but effective tool we’ve used to ask ourselves ‘How are you today?’ and get a regular temperature check across our teams. We’ve all taken a lot of inspiration and learning from Rob, from each other and from our guest speakers who’ve shared their personal mental wellbeing challenges – from CEOs to Olympic athletes.

In addition, we’ve recognised the need to provide further mental health training for managers, to equip them with the skills and confidence to have insightful, empathetic conversations with their teams. We want to be sure they can spot the early signals of distress and, if appropriate, navigate their staff to the right resources and support available to them.

What signs have you seen that show how COVID-19 has impacted mental health?

We’ve seen significantly increased demand for our services. Our Employee Assistance Programme, for example, has seen a huge increase in calls – a lot of which have been for ‘in-the-moment’ and crisis support. Concerns about job security, finances and the health of loved ones have been very high on the agenda. In fact, I think it has brought to the fore the need to support our members in looking after others – particularly if people are living overseas and away from social support networks amidst the restrictions.

We’ve also seen a significant increase in the utilisation of vHealth, which has been there not only to support access to primary care for those with or without symptoms, but also for those needing mental health support or requiring diagnosis, medication and onward specialist referrals. And we’ve seen much higher engagement in our health and well-being content and member offers such as the partner apps we promote to support self-care for Mind and Body.

Some of this might be due to need or limitations in access to existing physical support services. But I think some of it is also because people have had a bit more time to prioritise their health and explore what they have available to them. If there is a silver lining to the pandemic, it might just be that we’ve seen the start of a tipping point to people giving their holistic health the importance it deserves.



3 Exclusive Summer Offers From iPMI Magazine

Leading international private medical insurance publisher iPMI Magazine is excited to launch 3 exclusive summer offers for international medical insurance market payors and providers.

For the next 2 weeks this is your opportunity to benefit from leading IPMI market intelligence and real global brand exposure.

Offer 1: Save 20% When You Join iPMI Magazine Network

Covering all aspects and sectors of the international private medical insurance market from medical payor to medical provider the iPMI Magazine network is where the world of IPMI go to network with new partners and customers, expand global provider service networks and protect insureds.

All sectors of the business are represented from IPMI, assistance, ambulance, claims management, cost containment, funeral directors, technology and more and with a truly global reach the network can place your brand in the right place, at the right time, in front of the right people.

"Advertise alongside partners and competitors complimented by highly relevant and regular market content whilst been seen by the entire industry from the global iPMI Market opt-in readership. Customers don't just read iPMI Magazine, they also advertise with iPMI Magazine due to our international eclectic readership"

Network members benefit from 24/7, always on global brand exposure through the following components:

Dedicated online company micro site under the companies tab on iPMIM;
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• Access to submit educational contents including PR, articles and interviews.

Currently the network provides the following services around the world:

• Air Ambulance;
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• Travel Insurance.

Click here to view the network members

The iPMI Magazine network is also presented in an easy to use online magazine "e-directory' that may be quickly accessed by anyone, anywhere in the world, with an internet connection.

Click here to view the network e-directory

Offer 1 Rate Card: £5000 Special Offer: £4000 Duration: 12 months

"How Did You Find iPMI Magazine? The same way your customers and partners found us - iPMI magazine is everywhere"

Offer 2: Save When You Purchase Your Own Copy Of International Health Insurance 2019: The Definitive iPMI Market Report

Over 1500 pages of iPMI market data, this IPMI report is the result of over 30 years of industry research by report author Ian Youngman. The report covers the entire IPMI market including country and company profiles.

Volume 1 Market Overview:April 2019 (230 pages)
Volume 2 Companies: Available July 2019 - 133 company profiles (over 500 pages)
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Rate Card as sold elsewhere: £3600 iPMI Advertiser Price: £2250 iPMI Magazine Subscriber Price:£2700

Learn more click here and read the report media pack and contents
To access sample contents of this must-have report email us on ipmi[at]

Offer 3: Join iPMI Magazine Network And Purchase A Copy Of International Health Insurance 2019

For those serious about the iPMI market you can join the network and buy a copy of the report, all in for only £5250, a huge saving on the rate card of both products. Enjoy professional market brand exposure and awareness whilst educating your company and employees about the leading markets and players operating in the complex cross border world of iPMI.

How To Get Involved

Email David Bond, CIO, iPMI Magazine on ipmi[at] and one of our executive management team will be in contact.

Please note the iPMI Magazine network is not available to all payors and providers, and you will need to satisfy some requirements in order to join.

About iPMI Magazine

For 10 years over 40,000 senior level business decision makers, in over 120 countries, rely on iPMI Magazine to stay 1 step ahead of the risk and on the inside track of international PMI. Covering business travellers, high net worth individuals, expatriate and leisure travel markets, iPMI Magazine is the only truly international news platform covering the most exciting sector of international health insurance: international private medical insurance.


iPMI Magazine is an excellent source of in-depth information on our market and useful to a wide range of brokers, customers, insurers and service providers.

Richard Di Benedetto President Aetna International

iPMI Magazine is an incredible case study in the age of new wave digital media! For advertisers catering for expatriate and business travel insurance and assistance, it has drawn respected and targeted exposure, in a field previously limited in scope and content. As a result more industry leaders are learning that this is not only a viable growth sector globally, but also about the overwhelming importance of international health insurance, and how it affects our personal lives and work environment.

Brian S. Piper, Head of Business Development, Integra Global

Chris Knight is a true professional. He is diligent and has an excellent understanding of business relationship management combined with an enthusiastic drive. He is respected by us as a leader in his specialist field and a joy to do business with.

Christopher Percival, Director, HealthCare International

iPMI magazine is an excellent media for brokers & insurers with an excellent internet exposure.Thank you for your collaboration with AOC Insurance Broker.

Olivier LE FAOUDER, CEO, AOC Insurance Broker

QHA Trent has no formal or financial association with IPMI Magazine, but it has very interesting content indeed that is easily accessible.

Professor Steve Green, Trent Accreditation UK

Chris is a non -stop guy, who gets results and does not stop at obstacles. He has an incredible address book and is well respected in the International Healthcare/events field. If Chris says he can deliver, then sit back and relax, he WILL deliver.

Dr. Siddick Maudarbocus CEO Medic Assistance International


Turning the Travel Insurance Claims Process Inside Out

Has this happened to you? You file a claim and submit all the necessary documentation, only to find out weeks later the claim was never covered in the first place. Leading travel insurance comparison site, Squaremouth, has reinvented the claims process to make sure that doesn't happen.

Before requesting any documentation, Squaremouth's claims team talks directly to every claimant to assess their situation and better understand what coverage they may have.

"The way we do it is significantly more expensive for us as a company, however it provides a much better customer experience," says Squaremouth Co-Founder and CEO Chris Harvey. "We gather all of the necessary information ahead of time to simplify the claims process for our customers."

During the initial claims interview, Squaremouth claims adjusters use their expertise to put together an easy-to-interpret claim form. The customer is able to electronically make additions or changes to the form, and email back a signed copy with supporting documentation.

"The claim interview is the best way to explain to a customer what type of claim they have and what the process will be moving forward," says Squaremouth Claims Director Brandi Morse. "We can also let someone know if they won't be covered, so they don't have to spend the time providing us with documentation."

Building a Custom System to Fit Their Process 
Communication between a claimant and their provider is typically through email. Squaremouth uses the upfront interview to talk to each customer and obtain a clear understanding of their claim.

"We aren't going to force someone to provide anything we don't need, and we certainly won't ask them to provide lots of documentation if they won't be approved," Harvey says. "Customer experience is the most important thing for us."

To accommodate its unique claims process, Squaremouth built its own in-house claims system.

"We tweak the system on a constant basis" Harvey says. "My goal was to build a system that could tell the full story of every claim. You should always be able to look back and understand every step of a claim."

Using this system, Squaremouth has been able to dramatically increase customer satisfaction while lowering loss ratios.

"Excellent customer service and lower loss ratios are not usually mutually agreeable," Harvey says. "We had to re-engineer the process. We just turned it on its head."


CMS Proposes Rule To Strengthen Managed Care For Medicaid And CHIP Enrollees

The Centers for Medicare & Medicaid Services (CMS) has proposed to modernize Medicaid and Children’s Health Insurance Program (CHIP) managed care regulations to update the programs’ rules and strengthen the delivery of quality care for beneficiaries.  This proposed rule is the first major update to Medicaid and CHIP managed care regulations in more than a decade.

It would improve beneficiary communications and access, provide new program integrity tools, support state efforts to deliver higher quality care in a cost-effective way, and better align Medicaid and CHIP managed care rules and practices with other sources of health insurance coverage.  Overall, this proposed rule supports the agency’s mission of better care, smarter spending, and healthier people.

“A lot has changed in terms of best practices and the delivery of important health services in the managed care field over the last decade. This proposal will better align regulations and best practices to other health insurance programs, including the private market and Medicare Advantage plans, to strengthen federal and state efforts at providing quality, coordinated care to millions of Americans with Medicaid or CHIP insurance coverage,” said Andy Slavitt, Acting Administrator of CMS.

Since CMS last issued managed care regulations in 2002 and 2003, the health care delivery landscape has changed and grown substantially.  States have expanded managed care to several new populations including seniors and persons with disabilities. The growth of managed care in the Marketplace and Medicare Advantage further highlights the importance of policy alignment when appropriate across programs in order to ease the transition for consumers whose circumstances change during the year.

CMS proposes to modernize Medicaid managed care regulations in the following ways:

  • Supporting states’ efforts to encourage delivery system reform initiatives within managed care programs that aim to improve health care outcomes and beneficiary experience while controlling costs; and
  • Strengthening the quality of care provided to beneficiaries by strengthening transparency and measurement, establishing a quality rating system, and broadening state quality strategies and consumer and stakeholder engagement;
  • Improving consumer experience in the areas of enrollment, communications, care coordination, and the availability and accessibility of covered services;
  • Implementing best practices identified in existing managed long term services and supports programs;
  • Aligning Medicaid managed care policies to a much greater extent with those of Medicare Advantage and the private market;
  • Strengthening the fiscal and programmatic integrity of Medicaid managed care programs and rate setting;
  • Aligning the CHIP managed care regulations with many of the proposed revisions to the Medicaid managed care rules strengthen quality and access in CHIP managed care programs.  

The proposed rule is available at and can be viewed at starting June 1. The deadline to submit comments is July 27, 2015.

For more information, visit  


Cigna Global Individual Private Medical Insurance Renew Annual Advertising Deal With iPMI Magazine For 3rd Consecutive Year

International Private Medical Insurance Magazine is proud to announce that Cigna Global Individual Private Medical Insurance, a leading global underwriter of individual expatriate health insurance plans, has renewed its partnership with us for the 3rd consecutive year.

Cigna specialise in providing expatriate health plans that are designed to give comprehensive overseas medical cover for people who are living and working abroad. Our core International Medical Insurance  plans give you and your family cover for essential hospital stays and treatment, cancer and psychiatric care.

Maternity cover is also included in our Gold and Platinum plans. Our core plans can then be supplemented with a range of optional benefits which include International Outpatient, designed to cover outpatient treatment and prescriptions. Cigna Global Health Options also offer International Medical Evacuation, International Vision & Dental and International Health & Wellbeing - optional benefits that can be added to your core plan.



14th January 2015 Latest International Private Medical Health Insurance Magazine News Articles

Healthy Passenger Demand in November

Global passenger traffic results for November 2014 show a continuation of the healthy demand trend of recent months. Total revenue passenger kilometers (RPKs) rose 6.0% compared to November 2013, which was ahead of the 5.7% year-over-year growth recorded in October as well as the 10-year average growth rate of 5.6%. November capacity expanded by 5.4%, leading to a 0.5 percentage point rise in the load factor to 76.7%. Growth was driven primarily by domestic markets which experienced a 6.9% increase in demand over the previous November (an acceleration over the 5.3% year-to-date average for domestic travel).

November Global Air Freight Growth Concentrates In Asia And Middle East

November 2014 data for global air freight markets showing that demand measured in freight tonne kilometers (FTK) grew 4.2% compared to November 2013. Capacity grew by 3.3% over the previous November. Compared to October 2014, air freight demand expanded by a healthy 0.8%. The most significant growth was recorded by carriers in the Asia-Pacific and Middle East regions, at 5.9% and 12.9%, respectively.

Cigna Life Insurance New Zealand Launches New Travel Insurance Cover

Cigna’s new comprehensive travel insurance provides mature customers with peace of mind and sense of security when travelling away from home. Cigna announced today its entry into the travel insurance market, with the new Cigna 50+ Travel Insurance designed specifically with the mature traveller in mind. Cigna already provides travel insurance through partner companies, but this is their first travel insurance product under the Cigna brand.

Status Global Insurance Now Offering Travel Insurance For Extensive Pre-Existing Medical Conditions

Status Global Insurance are excited to announce the ground-breaking launch of the specialised travel insurance product, Fit-4-Travel, which offers comprehensive cover, with no upper age limit to UK citizens residing throughout the EU, who have extensive pre-existing medical conditions. Many insurance companies aren’t able to provide travel insurance for pre-existing medical conditions, or if they do you end up paying an absurdly expensive premium. This can leave travellers’ well-being, and wallets dangerously exposed if they have a flare-up of an existing medical condition when abroad. Arranged in partnership with International Travel and Healthcare Ltd Fit-4-Travel provides a reasonably priced product that will cover a very wide range of pre-existing medical conditions.

Alternate Health Care Delivery Models And Payment Reform May Stall At Current Levels

A joint pulse survey between Aon Hewitt, the global talent, retirement and health solutions business of Aon (NYSE: AON), and Catalyst for Payment Reform, an independent, non-profit employer coalition pushing for better value in U.S. health care, shows that while employers find alternative provider delivery models and payment reform attractive, most admit they do not understand them or the value they provide. As a result, they may miss a significant opportunity to lead and improve results (health and financial) for their workforce and business.

Natural Catastrophe Insurance Losses Hit Five-Year Low In 2014

Impact Forecasting has launched its Annual Global Climate and Catastrophe Report, which evaluates the impact of the natural disaster events that occurred worldwide during 2014. The report reveals that 258 separate global natural disasters occurred in 2014, compared to a ten-year average of 260 events, causing a combined total insured loss of USD39 billion – 38 percent below the ten-year average of USD63 billion, and the lowest annual insured loss total since 2009. The two costliest insured loss events of the year were both a result of severe thunderstorms, in June (Europe: USD3.0 billion) and in May (United States: USD2.9 billion). Meanwhile, global economic losses from natural catastrophes in 2014 stood at USD132 billion – 37 percent below the ten-year average of USD211 billion. The September flood event in northern India and Pakistan resulted in the largest economic loss of the year, causing an estimated USD18 billion in damage and representing the fifth consecutive year that Pakistan has registered a billion-dollar flood event.

Workers Compensation Claims Will Decrease In 2015

Aon Risk Solutions has released its second Health Care Workers Compensation Barometer report. The report explores trends in frequency, severity and overall loss rates related to workers’ compensation for approximately 1,150 heath care facilities across the country. The 2014 report projects workers compensation loss rates will decrease one percent annually. The Health Care Workers Compensation Barometer report also shows that frequency of workers compensation claims has been slowly and consistently decreasing at the same one percent level over the ten year experience period analyzed.

Merger Creates One Of The Largest Providers In Canadian Travel Insurance

Allianz Worldwide Partners and The Co-operators have announced the completion of the merger of their respective Canadian travel insurance companies. The merger of Allianz Global Assistance Canada and TIC Travel Insurance Coordinators, first announced in September, has created one of the largest travel insurance providers in the country, operating as Allianz Global Assistance. The combined entity will leverage the strengths of the two organizations to offer industry-leading products and services for Canadian travellers and visitors to Canada.


AXA PPP Healthcare Introduces Online Glossary To Help Patients Better Understand Common Medical Terms

Good doctor-patient relations depend on good communication and, whilst most patients (62 per cent) say that they understand what their GPs are telling them, nearly a third (31 per cent) find otherwise, leaving most of this group (73 per cent) feeling confused, anxious or uneasy.

Patients come to GP appointments with varying levels of knowledge and experience of medical matters and it can be difficult for GPs to gauge whether their patients are taking in what they’re saying. It’s therefore reassuring that, according to the findings of an AXA PPP healthcare poll of 2000 patients who have seen their GP in the last 12 months,* more often than not GPs are getting it right.

To get a better feel for patients’ knowledge of some commonly used medical terms, AXA PPP asked survey respondents to answer eight multiple choice questions:

CT scan – 4 out of 10 know the correct meaning

Whilst 43 per cent correctly identified CT as the abbreviation for computerised tomography, nearly a third (32 per cent) thought it meant cranial thermal scan and 11 per cent said it meant computerised torso scan.

Ganglion – 5 out of 10 know the correct meaning

Whilst 45 per cent correctly identified it as a harmless cyst, 25 per cent thought it was a skin tag or hanging nodule and 6 per cent thought it was a cancerous swelling.

Somnambulism – 5 out of 10 know the correct meaning

Whilst 51 per cent correctly identified the commonly used meaning (sleepwalking), 33 per cent didn’t know and 12 per cent thought it was an ear infection.

Hypertension – 6 out of 10 know the correct meaning

Whilst 59 per cent correctly identified it as high blood pressure, over a quarter (27 per cent) thought it meant anxiety or stress and 6 per cent plumped for hyperactive disorder.

MRI scan – 7 out of 10 know the correct meaning

Whilst 65 per cent correctly identified it as magnetic resonance imaging, nearly a fifth (17 per cent) thought MRI stood for multiple radiation investigation and 9 per cent went for mass radiation inventory.

Fracture – 8 out of 10 know the correct meaning

Whilst over three quarters (77 per cent) correctly identified a fracture as a broken bone, 13 per cent thought it meant a sprained bone and 5 per cent thought it was a torn muscle.

Benign – 8 out of 10 know the correct meaning

Whilst most (79 per cent) identified the best meaning of benign as not harmful in effect, 7 per cent thought it meant a terminal illness and a further 5 per cent thought it meant life limiting or disabling.

Haemorrhage – 8 out of 10 know the correct meaning

Whilst 81 per cent knew that a haemorrhage was an escape of blood from a ruptured blood vessel, 8 per cent thought it was another word for piles and 5 per cent confused it with a hernia, thinking it was a protrusion through the abdominal wall.

Older patients consistently outperformed their younger counterparts in correctly identifying these medical terms, which may be attributable to their having had more opportunities to hear of and/or experience them. For instance, 52 per cent of 18 to 24 year olds correctly identified hypertension as high blood pressure, compared with 69 per cent of those aged 55+.

Sixty-three per cent of 18 to 24 year olds knew a fracture was a broken bone, compared with 91 per cent of those aged 55+. And, regarding benign, 65 per cent of 18 to 24 year olds thought it meant not harmful in effect, compared with 92 per cent of those aged 55+. Ten per cent of 18 to 24 year olds even identified benign as meaning terminal, compared with 4 per cent of those aged 55+.

Women generally outperformed men in correctly identifying the medical terms. For instance, 85 per cent of women identified haemorrhage as an escape of blood from a ruptured blood vessel, compared with 77 per cent of men. For hypertension the figures were 67 per cent and 49 per cent, respectively, and for benign they were 82 per cent and 75 per cent.

AXA PPP’s chief medical officer Dr Gary Bolger noted, “Whilst, generally speaking, most people seemed to know the meaning of these medical terms, a surprisingly large proportion did not. Good communication is a two-way process so it is important for GPs to remember that a sizeable minority of their patients may not have sufficient knowledge or understanding to take in what they’re saying.”

Although most patients (74 per cent) did ask their GPs to explain what they meant when they hadn’t understood something, nearly a quarter did not: 11 per cent said nothing because of embarrassment, with 10 per cent doing likewise because they didn’t want to waste their doctor’s time. Three per cent gave up altogether and went to see another doctor. “Whilst some patients can find it intimidating to question their GP when they don’t understand what they’ve said, patients should remember that their doctor is there to help them and they shouldn’t be afraid or embarrassed to ask their doctor to explain what they mean,” Dr Bolger added.

Pressure of time can also be an issue for some patients, as a fifth (21 per cent) of those surveyed felt their GP didn’t take enough time to explain things to them in terms they can understand, with over half of this group attributing this to lack of time, which may be unsurprising given an average appointment time of 8 to 10 minutes.** To help patients to better understand some commonly used medical terms, AXA PPP has introduced an online glossary. For more information visit

*The survey, undertaken by OnePoll in May 2014, comprised 2000 adults who had been to a GP appointment in the last 12 months.

**Make the most of your appointment, NHS Choices: Doctors spend an average of eight-10 minutes with each patient. Once you've got an appointment, plan ahead to make sure that you cover everything you want to discuss.


Round Table: International Private Medical Insurance VS Local Health Insurance

International Private Medical Insurance Magazine (iPMIM) is excited to announce the next exclusive C-suite executive round table business forum: International Private Medical Insurance VS Local Health Insurance.

Only 3 round table positions remain, and this is your opportunity to have your say.

Example Questions:

What are the benefits of a local insurance plan? What factors are considered when individuals and groups look for the right coverage? For portability what may work best? Some expats prefer major treatment and surgery in their home country, surrounded by friends and family. How may a local plan achieve this? Is there a difference between an offshore insurance company and an international insurance company? Where short-term assignments are becoming more popular and more individual (family stays at home) is a local insurance plan more cost effective? In the maritime business executives talk about Hybrid Insurance - where the insurers cover onshore, the the P and I club, offshore. How can insurance plans compliment certain healthcare systems? Will insurers start operating their own local TPA services in member hot spots?

Participants enjoy:

  • Complete inclusion in the executive round table;
  • Full professional executive bio;
  • Company logo;
  • Company bio;
  • Single or double page advertisement;
  • Complete online promotion.




Angel MedFlight's Innovative Approach to Employee Training

As an innovative industry leader, Angel MedFlight Worldwide Air Ambulance implements a world-class training and development program to ensure every employee is equipped with the necessary tools to excel in his or her job function.

This requires remaining on the cutting edge of technology and education in two ever-evolving industries: aviation and healthcare.

Matt Greenwell, RN, CFRN, NREMT-P, FP-C, Angel MedFlight's Director of Clinical Operations teaches a Flight Physiology training course. He explains how pressure and altitude affect patients and the medical flight crew alike. Everything is measured in pressure and how it affects people differently; a patient is going to react differently at sea level than at 40,000 feet. "It's very important that the patient's history and condition is taken into consideration when the flight coordinators plan the flight," said Greenwell, adding, "Altitude and air density, cabin pressure and the condition of the patient all play a role in coordinating a flight and determining the correct altitude and cabin pressure."

Angel MedFlight's training curriculum is comprised of specialized instruction from each department including aviation, aviation maintenance, safety, operations, flight coordination, medical, quality management, legal, claims, human resources, IT and business development.

Employees are trained to understand the role of each job function and how they integrate; streamlining the overall communication process.

Employee training is an ongoing process; with continuing education requirements. An important part of Angel MedFlight's training program is a course designed for Flight Coordinators. It is imperative for Flight Coordinators to know how flights operate, the medical and technical aspects involved to accurately determine each patient's medical needs.

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