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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.

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World Travel Protection Expands Into The United Kingdom

World Travel Protection, one of the world’s leading travel assistance organisations and part of Zurich Insurance Group, has expanded into the UK, with a core team based in London.

The move comes as more corporate employers start to consider enhanced protection for their travelling employees given the ongoing impact of the COVID-19 pandemic on travel, and traveller health and wellbeing.

World Travel Protection already operates two Command Centres in Brisbane, Australia and Toronto, Canada, which provide 24-hour emergency assistance to travellers via location-enabled smartphone apps and mobile connectivity.

The next step will be the launch of a purpose-built London Command Centre in the coming year, according to Adrian Leach, CEO of World Travel Protection.

“With the support of our parent company, Zurich, we continue to invest significantly in state-of-the-art technology and capability to enable full-service global assistance. So we’re delighted to now be able to offer our assistance to organisations in the UK.

“Our Command Centres allow our profoundly-trained team of medical, security, logistical and case management experts to be able to lead operations globally, using real-time data including our security intelligence and mapping technology, as well as world news. Our Command Centres deal generally with more than 100,000 assistance cases and 1,000 medical evacuations a year.”

“What sets World Travel Protection mainly apart from competitors is our global team of in-house medical and security experts, equipped with the latest technology. As more borders re-open, our services will become even more essential due to the additional challenges and requirements brought about by COVID-19,” he said.

According to Zurich’s global Head of Accident and Health, Drazen Jaksic, implementing a careful, multinational business travel solution is more important than ever to protect employees’ health, safety and wellbeing, and consequently aiming to protect the business from reputational and financial impacts if something should happen.

“Risks associated with business travel are changing rapidly and becoming more complex as exemplified by the COVID-19 pandemic, a rise in civil unrest, as well as extreme weather events and related catastrophes.”

“And the growing complexity of business travel risks has brought into sharp focus the value of the assistance services that are provided to help business travellers on the ground, as part of a business travel insurance programme, ” Drazen Jaksic said.

At the core of World Travel Protection’s operations is a range of innovative, technology-based tools to assist the traveller and organisation. These are the Travel Assist Risk Management Portal, the Travel Assist App, and a Global Care Database:

  • The Travel Assist Risk Management Portal allows both organisations and World Travel Protection to track their people in real time against critical global intelligence. The World Travel Protection team can send alerts, in the event of an incident, with the ability for travellers to respond back to the Command Centres for on-going support and management. The portal enables the team to manage critical events, and communicate between a traveller and their company or insurer. This innovation also provides COVID-19 specific information by country, updated every 24 hours, including restrictions applied by local governments, international flight requirements etc.
  • Travellers on the ground receive support from the Travel Assist App, which features targeted travel alerts, regularly updated country guides, an ‘emergency’ button, and constant monitoring locations in relation to risk.
  • The World Travel Protection Global Care Database is an industry leading network withglobal provider coverage..

“Organisations have an obligation to look after their people when they are travelling and try to ensure nothing foreseeable happens which could have been avoided. In addition to support services for medical, travel and security emergencies, World Travel Protection sets objectives to educate and train businesses to mitigate risks before their employees have even departed for their destination,” Adrian Leach said.

“Discussions are already starting on how travel has changed since COVID, and our services will be even more essential as travel resumes for organisations in the UK,” he said.

Generali Global Assistance Has Selected Footprintid To Enhance Trip Mate Travel Protection Plans

Generali Global Assistance (GGA), has announced that it has partnered with FootprintID to enhance its Trip Mate Travel Protection Plans.

This partnership will let travelers with Trip Mate protection plans have access to FootprintID's Portable Personal Health Records, allowing users to take their medical information with them everywhere they go – with industry-leading security.  

"This partnership is a natural fit for both brands as FootprintID helps elevate the level of care that we provide our clients," said Chris Carnicelli, CEO of Generali Global Assistance. "When people are traveling, having ready and secure access to their medical information can be vitally important. Knowing critical medical data is available at their fingertips anywhere in the world provides Trip Mate customers with peace of mind so that they can enjoy their trip."

Trip Mate's travel protection services will now provide FootprintID registration information to their planholders going forward. Travelers can then register for the service and upload their necessary information to FootprintID. The benefits of their service include:

  • Medical and health information is accessible anywhere in the world via a membership card, web portal, or mobile app.
  • Documents are easily shared with physicians, emergency responders, health care providers, pharmacies, and family.
  • Unlimited storage of test results, imaging files, and documents - such as health care proxies and advanced directives - provides access to critical information.
  • All relevant medical information including emergency contacts, prescriptions, allergies, conditions, immunizations, physicians, surgeries, and family history – all in one safe location.

"We're excited to partner with Generali Global Assistance and to be part of Trip Mate's offerings," said Beth Tofel, President and Co-Founder of FootprintID. "We know our product works well with GGA's 24/7 Travel Assistance Services and can help save lives by allowing doctors and patients worldwide to make more informed care decisions."

About Generali Global Assistance

Generali Global Assistance (GGA) is a leading brand comprised of Travel Insurance & Assistance, Medical Risk & Home Care Management, Identity & Cyber Protection, as well as other care services. GGA is part of the Generali Group, which for over 190 years has provided peace of mind to its clients and their customers and is now supported by more than 72,000 employees worldwide. Our success has been built on establishing trust by putting the customer at the core of everything we do, offering assistance and protection during our customer's most difficult and stressful situations. To learn more about Generali Global Assistance, please visit: 

Trip Mate travel protection products and services provide travelers with extensive coverage while they are away.  Travel protection products from Trip Mate that are offered with FootprintID services include travel insurance underwritten by United States Fire Insurance Company and/or Nationwide Mutual Insurance Company.  FootprintID services are not insurance and are not underwritten by United States Fire Insurance Company and/or Nationwide Mutual Insurance Company. 


FOOTPRINTID® is a personal portable health record that helps you quickly access your information via a secure web portal and mobile app. Our membership service is designed to help travelers, individuals, parents, caretakers, and seniors easily store and keep track of their medical records and share their health information with physicians, emergency responders, family members, and friends—when they need it most.

Renowned Kidnap And Hostage Negotiator Joins The TRIP Group

The Travel Risk & Incident Prevention (TRIP) Group this week announced the appointment of Sue Williams QPM to their expert advisory board. 

Sue is an experienced and internationally renowned hostage negotiator and as a senior London detective, she was the Officer in Charge of both the Kidnap and the Hostage Crisis Negotiation Units at Scotland Yard.

At the highest-level, Sue has been an active contributor to the UK Government’s crisis response process in cases of kidnap or abduction overseas. She has regularly advised senior ministers as part of the Cabinet Office Briefings (COBRA), the government’s crisis management structure and continues to advise numerous overseas governments.

Speaking of the appointment, Chief Executive of the TRIP Group, Lloyd Figgins said, “Sue is a wonderful addition to our expert advisory board. The purpose of the board is to provide our members with access to genuine expertise in key specialist areas of travel risk management in order to help them operate safely.”

Sue qualified as a hostage negotiator both in the UK with New Scotland Yard and in the USA with the Federal Bureau of Investigation (FBI) 29 years ago. Since that time, she has contributed to the successful resolution of hundreds of kidnaps and hostage situations on land and the high seas. More recently, Sue has undertaken cyber negotiations as a tactic for combating extortion.

Mr Figgins went on to say, “Sue brings an unrivalled depth of knowledge and experience that’s genuinely world class and really enhances what we are able to provide our members and partners. Sue’s passion for her subject matter is quite exceptional, so we’re absolutely delighted to have her on the team.”

Sue is a recipient of the Queen’s Police Medal; this was in recognition of her commitment in the fields of kidnap, negotiation and saving of life. She is also an Associate Fellow of the Saïd Business School at the University of Oxford.

Speaking of her appointment, Sue Williams said, “The TRIP Group has always been at the forefront of travel risk management. Being part of such a dynamic organisation and using my expertise to assist their members is something I’m very excited to be part of.”

The TRIP Group is home to one of the world’s fastest growing travel risk management communities. A membership organisation, united in their mission to keep travellers safe. They connect their community, not only to the current threats, but also to the future of travel risk.

ROCK Insurance Group Updates COVID-19 Protection Travel Insurance Product To Include Test & Trace Cover

As travel restrictions begin to ease following the latest government announcement that additional countries that have been added to the green list as of yesterday, travel insurance brand ROCK Insurance Group has updated its COVID-protection products to now include NHS Test & Trace cover.

ROCK’s COVID-protection product already includes pre-departure cover for cancellation if travellers test positive for COVID-19 within 14 days of their trip (even if this is at the airport) and cannot travel. It also covers emergency medical care and repatriation should they contract the virus whilst travelling.

However, these policies have now been updated to also provide cancellation cover if customers are contacted by the NHS Test and Trace system and are told they must self-isolate within 14 days prior to their departure date, including on the date their trip is due to commence, or if a member of their household receives a positive COVID-19 test result within 14 days prior to their departure date, which means that they are still required to self-isolate on the date their trip is due to commence. This is applicable for customers taking trips both in the UK and abroad.

Antony Martin, Managing Director at ROCK Insurance Group says: “In line with travel restrictions beginning to ease, we wanted to update our COVID-protection product to ensure travellers are covered should they be required to self-isolate ahead of their next trip. Likewise, we wanted to provide travel agents with the added protection in case their customers have to cancel trips for this reason. As we prepare for the travel industry to open up once again, we feel it is really important to re-instate traveller confidence by offering additional pre-departure cover for unrecoverable costs that are not covered under Package Travel Regulations. This latest product update will help drive customer confidence as travel restrictions ease, whilst further protecting the travel trade.”

For claims relating to NHS Test and Trace, customers must provide evidence of the need to self-isolate from the official NHS Test and Trace app or the NHS COVID-19 app. This should take the form of an email or text message from NHS Test and Trace or an alert from the NHS COVID-19 app.

What customers are NOT covered for:

Claims arising if a customer or a member of their household is contacted by the NHS Test & Trace system within 48 hours of purchase of their policy and the customer is required to self-isolate and unable to travel.


HCA Healthcare UK Launches Rapid Response Referral Service With The HCA UK Concierge Centre

Leading private healthcare provider HCA Healthcare UK has announced the launch of an exclusive Rapid Response Referral service, offering premier, bespoke medical pathways for patients with complex and often time critical care needs via The HCA UK Concierge Centre

The HCA UK Concierge Centre is the only Clinical Nurse Specialist led healthcare concierge in the UK to be registered with the Care Quality Commission (CQC)

Located in Marylebone, The HCA UK Concierge Centre provides a single point of contact where all healthcare needs can be addressed and navigated no matter how complex or difficult, including ICU to ICU transfers from all over the world. 

The Rapid Response Referral team undertook a pilot scheme earlier this year, in order to establish the service and ensure all international processes and protocols were in place regardless of the patients’ circumstances or geographical location. So far, the service has supported patients from 30 countries (including 6 red countries, whilst abiding by government regulations). They have repatriated many patients following trauma or illness when overseas; for example, the team worked with a London-based embassy in the aftermath of an earthquake in Eastern Europe to medivac a critically ill pregnant patient to London in order to receive specialist care and ultimately give birth safely. There has also been an increased demand in enquiries from NHS in-patients that want to transfer to the private sector often requiring complex care, which we are able to coordinate.

Now that the pilot scheme has been completed successfully, The HCA UK Concierge Centre will offer bespoke medical pathways for patients with an emphasis on rapid referral and solutions for patients that often have the most complex and time critical care needs. 

Operating 24 hours a day, 365 days a year, the team will respond to all requests within two hours, ensuring patients benefit from a rapid response referral for their individual health concerns. The service has also partnered with Charles Taylor Assistance (formerly Cega) to be able to arrange international travel for patients. This is the first direct partnership in the UK between a direct healthcare provider and a medivac aviation transfer specialist partnership, which means that the service can arrange global transfers which are not reliant on private medical insurance.

By providing a wholly patient-centred and seamless service, the centre removes the stressful and time-consuming process of finding and arranging your own healthcare. Clinical Nurse Advisers will personally support each patient through their medical journey, providing swift access to consultants and treatments in HCA Healthcare UK’s central London hospitals – including London Bridge Hospital, The Princess Grace Hospital, The Harley Street Clinic, The Lister Hospital, The Portland Hospital and The Wellington Hospital.

John Reay, President and CEO of HCA Healthcare UK said, “We are incredibly excited to be announcing this world-class service to UK and international patients alike. The HCA UK Concierge Centre is an offering we are extremely proud of – the dedication, expertise and personal, bespoke care provided by the centre’s Rapid Response Referral team is unrivalled. The peace of mind given to our patients is therefore invaluable.”

Director of Business Development at HCA Healthcare UK, Annabelle Neame, said, “Developing the HCA UK Concierge Centre and leading an extraordinary team that works closely with individuals and families has been a privilege. With HCA UK’s unmatched resources and pool of consultants, we are able to ensure clients can access the best possible care, quickly – covering everything from ICU transfers to neurorehabilitation right through to life-saving complex surgery and care. I have witnessed first-hand the value of the Rapid Response Referral service during times when patients desperately need reassurance, clarity and advice about their own health and that of their family members.”

May Air Cargo 9.4% Above Pre-COVID Levels

May 2021 data for global air cargo markets showing that demand continued its strong growth trend.

As comparisons between 2021 and 2020 monthly results are distorted by the extraordinary impact of COVID-19, unless otherwise noted, all comparisons to follow are to May 2019 which followed a normal demand pattern.

  • Global demand, measured in cargo tonne-kilometers (CTKs*), was up 9.4% compared to May 2019. Seasonally adjusted demand rose by 0.4% month-on-month in May, the 13th consecutive month of improvement.  
  • The pace of growth slowed slightly in May compared to April which saw demand increase 11.3% against pre-COVID-19 levels (April 2019). Notwithstanding, air cargo outperformed global goods trade for the fifth consecutive month.
  • North American carriers contributed 4.6 percentage points to the 9.4% growth rate in May. Airlines in all other regions except for Latin America also supported the growth.
  • Capacity remains constrained at 9.7% below pre-COVID-19 levels (May 2019) due to the ongoing grounding of passenger aircraft. Seasonally adjusted capacity rose 0.8% month-on-month in May, the fourth consecutive month of improvement indicating that the capacity crunch is slowly unwinding.
  • Underlying economic conditions and favourable supply chain dynamics remain supportive for air cargo:
    - Global trade rose 0.5% in April.
    - The Purchasing Managers Indices (PMIs) - leading indicators of air cargo demand - show that business confidence, manufacturing output and new export orders are growing at a rapid pace in most economies.
    - The cost-competitiveness of air cargo relative to that of container shipping has improved. Pre-crisis, the average price of air cargo was 12 times more expensive than sea shipping. In May 2021 it was six time more expensive.

“Propelled by strong economic growth in trade and manufacturing, demand for air cargo is 9.4% above pre-crisis levels. As economies unlock, we can expect a shift in consumption from goods to services. This could slow growth for cargo in general, but improved competitiveness compared to sea shipping should continue to make air cargo a bright spot for airlines while passenger demand struggles with continued border closures and travel restrictions,” said Willie Walsh, IATA’s Director General.  

MAY 2021
% VS MAY 2019
Total Market
Asia Pacific
Latin America
Middle East
North America

(1) % of industry CTKs in 2020   (2) Change in load factor vs same month in 2019    (3) Load factor level

May Regional Performance

Asia-Pacific airlines saw demand for international air cargo increase 5.3% in May 2021 compared to the same month in 2019. This was a decrease compared to the previous month (5.9%) due to a slight slowdown in growth in several large trade routes such as Within Asia. International capacity remained constrained in the region, down 16.9% versus May 2019. As was the case in April, the region’s airlines reported the highest international load factor at 75.2%. 

North American carriers posted a 25.5% increase in international demand in May 2021 compared to May 2019. This was on par with April’s performance (25.4%) and the strongest of all regions. Underlying economic conditions and favorable supply chain dynamics remain supportive for air cargo carriers in North America. International capacity grew by 1.6% compared with May 2019.

European carriers posted an 5.7% increase in demand in May 2021 compared to the same month in 2019. This was a decrease in performance compared to the previous month (11.5%) due to a slight slowdown in growth on key trade routes including Europe – Asia and Within Europe. International capacity decreased by 17.3% in May 2021 versus May 2019, remaining unchanged from the previous month. 

Middle Eastern carriers posted a 14.1% rise in international cargo volumes in May 2021 versus May 2019. This was a slight decrease compared to the previous month (15.6%). Seasonally adjusted volumes remain on a robust upward trend. International capacity in May was down 6.1% compared to the same month in 2019, a robust improvement from the 10.1% drop in April.

Latin American carriers reported a decline of 14% in international cargo volumes in May compared to the 2019 period.  This was the worst performance of all regions, but a significant improvement compared to the previous month, which saw a 32.3% drop in demand. Seasonally adjusted demand also rose strongly in May. International capacity decreased 24.9% compared with May 2019, an improvement over the 52.3% decrease in April.

African airlines’ cargo demand in May increased 24.5% compared to the same month in 2019. This was a decrease in performance compared to the previous month (34.0%) due to a slowdown in trade flows between Africa and Asia. May international capacity increased by 0.5% compared to May 2019, remaining relatively unchanged from April.   

Marginal Improvements In May 2021 Travel Demand

International and domestic travel demand showed marginal improvements in May 2021, compared to the prior month, but traffic remained well below pre-pandemic levels. Recovery in international traffic in particular continued to be stymied by extensive government travel restrictions.

Because comparisons between 2021 and 2020 monthly results are distorted by the extraordinary impact of COVID-19, unless otherwise noted all comparisons are to May 2019, which followed a normal demand pattern.

  • Total demand for air travel in May 2021 (measured in revenue passenger kilometers or RPKs) was down 62.7% compared to May 2019. That was a gain over the 65.2% decline recorded in April 2021 versus April 2019.
  • International passenger demand in May was 85.1% below May 2019, a small step-up from the 87.2% decline recorded in April 2021 versus two years ago. All regions with the exception of Asia-Pacific contributed to this modest improvement.
  • Total domestic demand was down 23.9% versus pre-crisis levels (May 2019), slightly improved over April 2021, when domestic traffic was down 25.5% versus the 2019 period. China and Russia traffic continue to be in in positive growth territory compared to pre-COVID-19 levels, while India and Japan saw significant deterioration amid new variants and outbreaks.

“We are starting to see positive developments, with some international markets opening to vaccinated travelers. The Northern Hemisphere summer travel season is now fully arrived. And it is disappointing that more governments are not moving more rapidly to use data to drive border opening strategies that would help revive tourism jobs and reunite families,” said Willie Walsh, IATA’s Director General.

Air passenger market detail - May 2021

MAY 2021
(% VS MAY 2019)
Total Market
Asia Pacific
Latin America
Middle East
North America

1) % of industry RPKs in 2020    2) Change in load factor vs. the same month in 2019    3) Load Factor Level

International Passenger Markets

European carriers’ May international traffic declined 84.7% versus May 2019, improved from the 87.7% decrease in April compared to the same month in 2019. Capacity dropped 75.7% and load factor fell 31.3 percentage points to 52.9%.

Asia-Pacific airlines saw their May international traffic fall 94.3% compared to May 2019, fractionally worse than the 94.2% drop registered in April 2021 versus April 2019. The region experienced the steepest traffic declines for a tenth consecutive month. Capacity was down 86.4% and the load factor sank 45.5 percentage points to 33.2%, the lowest among regions.

Middle Eastern airlines experienced an 81.3% demand drop in May compared to May 2019, slightly bettering the 82.9% decrease in April, versus the same month in 2019. Capacity declined 63.7%, and load factor fell 35.3 percentage points to 37.7%.

North American carriers’ May demand fell 74.4% compared to the 2019 period, an improvement over the 77.6% decline in April versus two years ago. Capacity sagged 58.5%, and load factor dropped 32.2 percentage points to 51.7%.

Latin American airlines saw a 75.1% demand drop in May, compared to the same month in 2019, notably improved over the 80.9% decline in April compared to April 2019. May capacity was down 69.9% and load factor decreased 14.6 percentage points to 69.5%, which was the highest load factor among the regions for the eighth consecutive month.

African airlines’ traffic fell 71.4% in May versus May two years ago, a gain from the 75.6% decline in April compared to April 2019. May capacity declined 61.8% versus May 2019, and load factor dropped 16.9 percentage points to 50.2%.

Domestic Passenger Markets

MAY 2021
(%VS MAY2019)
Dom. Australia
Dom. Brazil
Dom. China P.R.
Dom India
Dom. Japan
Dom. Russian Fed.
Dom. US

1) % of industry RPKs in 2020    2) Change in load factor vs. the same month in 2019    3) Load Factor Level

India’s domestic traffic fell 71.0% in May compared to May 2019 amid the emergence of the new and more contagious “Delta” variant. This compared to a 42% decline registered in April versus the same month two years ago.

Brazil’s domestic traffic rebounded from a 60.9% decline in April versus the same month in 2019, to a 44% decline in May, as travel restrictions were eased.

The Bottom Line

“To paraphrase an old saying, when you think that all you have is a hammer, every problem looks like a nail. Too many governments continue to act as if the only tool in their anti-COVID-19 arsenal is a blanket border closure or an arrival quarantine. In fact, research from leading medical organizations around the globe confirms that vaccinated travelers pose very little risk to the local population[i] while data show that pre-departure testing largely removes the risk of unvaccinated travelers importing COVID-19[ii].

“It is long past time for governments to start responding to this information with more nuanced data-driven risk-based strategies. These will minimize the chance of importing COVID-19 while allowing the world to reopen to travel and all the opportunities it brings to reconnect with loved ones, to realize business opportunities, to explore the world or take a well-deserved vacation,” said Walsh.

International Private Medical Insurance Magazine Provider Network Directory July 2021

The July 2021 edition of the International Private Medical Insurance Magazine Provider Network Directory, is out now, featuring over 80 pages of international private medical insurance and medical assistance company intelligence.

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

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

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

    Enter full screen click the small rectangle above ↑

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

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

Current Advertisers 

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










HDI Global Specialty Enters International Private Medical Insurance (IPMI) Market With Generali Hire

Haden has over 20 years’ A&H experience, including various underwriting roles at AXA, Collinson Group and most recently Generali Global Health, where he was responsible for the Italian insurer’s global IPMI portfolio.

HDI Global Specialty’s move into international PMI is part of a longer term growth plan which is designed to diversify its portfolio by product, geographical scope, production and distribution. The insurer’s expectation is that IPMI will make a significant contribution to its A&H portfolio.

Announcing the hire, A&H underwriting manager Kieran Morrin said: “HDI Global Specialty is on a path of significant controlled growth, and our Accident & Health line is a key part of this. Ben has an excellent reputation in the IPMI market and his appointment is another step of our planned expansion.”

Ben Haden added: “I’m pleased to be joining HDI Global Specialty’s A&H team, especially at a time when it’s looking to grow its footprint in the market.”

The new PMI and IPMI cover is available across the spectrum of insureds, from individuals through to multinational corporations, placed via brokers or directly with agents.

HDI Global Specialty SE is a specialty lines insurer. It is a joint venture of Hannover Re and HDI Global SE, both strong and established players in the insurance and reinsurance market, which are part of the Talanx Group. HDI Global Specialty’s focus is on writing agency and specialty insurance business. With operations in 9 locations and access to a global network of more than 150 countries through the HDI Global SE network. HDI Global Specialty also enjoys the same financial strength as HDI Global SE.

As an industrial lines insurer, HDI Global SE (HDI) meets the needs of SMEs, industrial companies and corporate customers with insurance solutions that are specifically tailored to their requirements. In addition to HDI's prominent position in the German and broader European market, the company also has operations in more than 150 countries through foreign branch offices, subsidiary and peer companies, and network partners. The company is thus able to offer its customers local policies for their global operations, which ensure that the established service and insurance protection is extended for all covered risks worldwide.

HDI Global SE is a company in the Industrial Lines Division of the Talanx Group. Approximately 3.700 employees in this division generated gross written premiums of approx. EUR 6.7 billion in the year 2020.

The rating agency Standard & Poor’s has given the Talanx Primary Group a financial strength rating of A+/stable (strong). Talanx AG is listed on the Frankfurt Stock Exchange in the SDAX.

For additional information, please go to:

Hannover Re, with gross premium of more than EUR 22 billion in 2019, is the third-largest reinsurer in the world. It transacts all lines of property & casualty and life & health reinsurance and is present on all continents with around 3,300 staff. Established in 1966, the Hannover Re Group today has a network of more than 140 subsidiaries, branches, and representative offices worldwide. The Group's German business is written by the subsidiary E+S Rück. The rating agencies most relevant to the insurance industry have awarded both Hannover Re and E+S Rück outstanding financial strength ratings: Standard & Poor's AA-"Very Strong" and A.M. Best A+ "Superior".

International Private Medical Insurance (IPMI) Market Report 2021

There are 80 million expatriates, 5 million international students, 4 million temporary foreign workers, and 18 million high net worth individuals of which 2.7 million are ultra high net worth. All these are targets for international private medical insurance.

Expats and local workers of global companies and HNW individuals may no longer have the option of flying home or another country for medical treatment so may have to rely on local healthcare.

Global insurers have national and international healthcare networks that have a better capability for telemedicine than local insurers.

In almost every country the state healthcare network is under never before experienced pressure so access to private healthcare is increasingly essential. In some countries, expats will be at the back of the queue for state healthcare. In some countries, even access to private healthcare may be strained and hospitals may have to prioritise healthcare for long-term partners such as insurance companies over one-time private patients.

An increasing number of insurers are moving from being health insurers to healthcare providers protected by health insurance. With a linked move to Artificial Intelligence and teleconsultation, the world of IPMI is changing.

The fragile and volatile state of global stock markets is of concern to insurers who may already be vulnerable while offering opportunities to potential buyers of insurers and health insurance books of business. The environment for mergers and acquisitions among health insurers remains favourable as they continue to seek out diversification and growth opportunities.

International Private Medical Insurance Overview:

  • The global demand for health insurance is rising fast
  • There are opportunities for health insurers and brokers
  • The numbers of expatriates are rising and will increase
  • IPMI and PMI are no longer separate
  • Locals, students, NGO workers and travellers need cover
  • Many countries have made health insurance compulsory
  • Healthcare and health insurance are becoming intertwined
  • Top up cover and micro health have massive potential
  • Tele-health, AI and other new technology will change how insurers, brokers and customers interact

International Private Medical Insurance Key Topics Covered:

  • 2021 population
  • 2030 population estimate
  • 2020 UN international migrants IN
  • 2020 UN international migrants OUT
  • 2020 UN refugees
  • Global diaspora
  • Expats in country
  • Healthcare
  • Healthcare for expatriates
  • Healthcare regulators
  • Healthcare regulation
  • Healthcare price regulation
  • State health insurance
  • State health insurance top-up
  • Compulsory health insurance for locals
  • Compulsory health insurance for expatriates
  • Compulsory health insurance for overseas students
  • Compulsory travel health insurance for visitors
  • Health insurance for locals overseas
  • Private health insurance
  • Micro health insurance
  • Insurance company and broker regulators
  • Foreign insurance companies
  • Health insurance regulation
  • Health insurance price regulation
  • Countries where expats come from
  • Leading local health insurers
  • Head office of leading health insurers and brokers
  • International health insurers/ brokers/agents activity

For more information about the International Private Medical Insurance (IPMI) Market Report 2021 report visit:


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