Ian Youngman, Author and Publisher of the upcoming INTERNATIONAL HEALTH INSURANCE 2022 and new companion iPMI reports, takes a look at how the new health insurance law in Qatar, may affect insurers.

In Qatar it is perfectly fine to be late for meetings as time is flexible.

Which makes it no surprise that with compulsory health insurance becoming law in May, that a few weeks before, boring details such as the full regulations have still not been published. The law sneaked out at the last minute.

The new law

Despite what you my have read or seen elsewhere, the law has been put into action. True, there may be delays while employers, lawyers, brokers and insurers work out the detail.

6 May 22

Legislation making it compulsory for expatriates and foreign visitors to Qatar to take out health insurance came into force on 6 May 2022.

The basics

Under the new law, Qatar’s law no. 22 of 2021, employers are required to provide basic health care coverage for their employees.

The policy includes coverage for basic services and emergency cases for those under 60 years of age as well as coverage for chronic illnesses.

Bonus for Qatar health insurers

As the insurance is not a central one but where health insurers compete, it is a welcome bonus for health insurers in Qatar. They must be licenced locally as offshore cover is not allowed.

According to the rating agency Standard & Poor's, the new plan is expected to generate a premium ranging from 1 billion QAR (272.62 million USD) and 1.5 billion QAR (408.93 million USD) a year.

If you add in top up cover, the scheme will contribute to around QR1.7bn to QR2.2bn to the health insurance industry.

There will be another bonanza in 2022 with 1.5 million visitors expected to join the scheme to attend the FIFA World Cup Qatar 2022 this year who will be insured, increasing the cash flow and generate additional spending in the insurance sector and other services as well.

Background.

The health insurance scheme was introduced in November 2021 by the law number 22 of 2021- regulating the health services in Qatar.

The Ministry of Public Health (MoPH) says that the new health insurance system will reduce waiting times in the government health facilities in the country and provide appointments for medical consultations within a time that meets the health needs of citizens.

Basic healthcare for expats will be provided by new healthcare services, not all of which are built yet.

The Ministry of Public Health

MOPH is the regulator for healthcare and the driving force behind the law.

The new law consists of 6 chapters including 48 articles and it is expected that the MOPH will publish supplementary regulations.

This is still a moving feast and not all MOPH notices are translated or translatable.

Insurers

Only health insurers health intermediaries and healthcare providers registered in Qatar can offer the compulsory cover.

The IPMI exclusion appears to only apply to visitors, not expats or temporary workers.

Employers who do not cover their workers will be fined.

There is no provision for insurance paid healthcare outside of Qatar.

Those who are not already registered to do business as insurers or brokers in Qatar will take months or years to get registered.

Basic Health Insurance

Expatriates and visitors must have health insurance to acquire basic healthcare services.

Basic Health Insurance cover is required for the issuance of entry permits, residence permits and expatriates employment.

Basic Health Insurance cover is required for the renewal of both entry and residence permits.

Sponsors and employers must cover non-Qatari employees and their families with mandatory health insurance through contracts with registered insurance companies.

Employers and sponsors (the latter is for domestic workers) must pay the insurance fees of the employees and their families, provide them with the Health Insurance card and demonstrate that their workers are covered by the mandatory health insurance.

Visitors shall either buy local health insurance or prove that they have international health insurance valid in Qatar.

Existing IPMI policies

There is no exclusion for expats or temporary workers-or employers- that have IPMI to avoid buying the insurance.

But Visitors shall either pay their health insurance fees or prove that they have an international health insurance that is valid in Qatar.

Top up cover

Health insurers can offer top up cover.

Extra cover

Insurers and employers can offer cover above the basic required.

Pricing

Insurers can compete on price.

Citizens

There is no plan to include Qatari citizens.

Target market

Qatar has a population of 2.94 million- this includes 2.11 million expats.

88% of the population are non-Qataris - the highest in the world.

Expats 25% Indian, 12% Bangladeshi, 10% Filipino, 9% Egyptian, 6% Sri Lankan.

The impact

Local insurers predict that 2 million expatriates will have to buy, via their employer, this health insurance.

The country’s health insurance sector will benefit from it and will double the employment in the healthcare industry providing better quality of healthcare services and technologies.

How it fits in

Qatar National Vision 2030 aims at transforming Qatar into an advanced society capable of achieving sustainable development by 2030. This strategy focuses on four important pillars – environmental, human, social and economic. That is why understanding, and implementing a successful healthcare strategy and health insurance program is important. 

The healthcare mandatory scheme is an essential part of achieving Qatar National Vision 2030. Health insurance is part of employee benefits, and this is the best and most effective way that organisations use to retain employees, keep their morale up and satisfied, argues the government.

Citizens

Qatari citizens receive health care services at the government facilities free of charge.

The State of Qatar provides national health cover for all residents of Qatar by providing them with a National Health (Hamad) Card.

The National Health Insurance Company (NHIC) manages and operates the social health insurance scheme in the State of Qatar. The scheme, which provides universal health insurance for all people in the country, offers its members a choice of providers from across the public and private sectors.

Qatar has a public health service that provides free or highly subsidised healthcare and, generally speaking, it is of an excellent standard

Healthcare

To keep up with the higher demands hospitals and clinics will be investing in expansion and there will be competition to attract more patients and to cope up with high number of visits. There will be better services and more technologies in the healthcare sector, and more profit is expected which will encourage employment for the healthcare providers.

The local insurers

International health insurers will benefit but face competition from a host of local health insurers- many of whom can compete on technology and expertise.

The increased cash flow and operation will end up generating higher profit that will allow companies to expand and increase their staff and be able to invest in technology.

Key locals include:

Doha

Doha Insurance Group is a Qatari shareholding company registered an incorporated in the state of Qatar and listed on Qatar Exchange Doha

It offers a range of insurance including local health insurance for companies but not individuals.

NLG

National Life and General Insurance Company (NLGIC) is 73% is owned by the state owned Oman International Development and Investment Company. Other shareholders include local pension funds and Oman Investment Fund

NLG is the market leader in health insurance in Oman with individual and group PMI and a claimed 65% market share.

It has ambitions beyond Qatar and has just bought RSA Middle East from Sun Alliance Insurance Overseas- including a local health insurance portfolio.

QLM

QLM Life & Medical Insurance Company is a Qatar Public Shareholding Company recently spun off from Qatar Insurance Group

QLM is the largest provider of group medical insurance in Qatar and has been picking up large accounts in 2021.

QLM claims the largest share of the health insurance sector within the local market.

Conclusion

The UAE, Saudi Arabia, Egypt, and Bahrain cut ties with Qatar in June 2017, accusing Doha of supporting terrorism. Qatar denied the accusations. They all made up a few months ago. But this left a legacy where insurers in other Gulf states had either closed their Qatar office or ceased doing business. The making up and new insurance rules means they have not caught up in time to set up local insurers.

The solution may be as one is doing, to partner with a local insurer.

It has been suggested that Qatar timed the new rules so that local health insurers have a starting advantage.

If you are an IPMI insurer licensed for PMI in Qatar this is going to offer massive potential but competition will be fierce.

Existing offshore or onshore PMI or IPMI policies will remain valid until renewal although if they do not cover the basic covers or are by an insurer not authorised in Qatar, the MOPH can question the validity.

All future policies must comply.

There will be a burgeoning and competitive PMI/IPMI market in Qatar.

There are a dozen reputable and sound local insurers, many authorised to write health insurance.

Several global health insurers write PMI/IPMI in Qatar but only a few of these have local offices.

Health insures with local offices include Allianz and Met Life while Fairfax is part-owner of Gulf Insurance Group and Munich Re has shares in Daman.

Some global health insurers may have missed the boat.

About The Author

Ian Youngman is a writer and researcher specialising in insurance. He writes regularly for a variety of magazines, newsletters, and on-line services. He publishes a range of market reports and undertakes research for companies and has London market management experience with brokers and insurers. 

Read Ian's iPMI market reports here.

 

While you were sleeping, rivals scored an open goal that the global insurance media seems to have not grasped the significance of. 

In this article Ian Youngman, Author and Publisher of the upcoming INTERNATIONAL HEALTH INSURANCE 2022 plus the new companion IPMI market reports, takes a look at the new Sanlam and Allianz deal.

PART 1

• Sanlam, the largest non-banking financial services company in Africa, and German insurance giant Allianz have agreed to combine their current and future operations across Africa to create the largest pan-African non-banking financial services entity on the continent.
• The joint venture will house the business units of both Sanlam and Allianz in the African countries where one or both companies have a presence.
• Namibia will be included at a later stage and South Africa is excluded from the agreement. 
• The combined operations of Sanlam and Allianz will create a premier Pan-African non-banking financial services entity, operating in 29 countries across the continent.
• The joint venture will be the largest Pan-African insurance player and will be ranked in the top three in the majority of the markets where the entity will operate.
• Sanlam and Allianz will leverage each other’s strengths to unlock synergies and provide customers with innovative insurance solutions and technical excellence.
• The joint venture will create value for all stakeholders through greater economies of scale, broader geographic presence, larger combined market share, and a more diversified product offering.
• Combining Sanlam’s expertise in Africa with Allianz’s global capabilities and insurance solutions, particularly for multinational businesses, the partnership aims to increase life and general insurance penetration, accelerate product innovation and drive financial inclusion in high-growth African markets.
• In line with Sanlam’s stated ambition to be a leading Pan-African financial services group, the proposed joint venture will enable Sanlam to take a significant step towards realising that ambition. It will also strengthen the leadership position in multiple key markets that are core to the Africa strategy, building quality and scale where it matters.
• Allianz seeks to accelerate its growth in this important region through a partnership with the undisputed market leader. Sanlam’s capabilities extend Allianz local reach and market penetration, and the joint venture allows it to establish leading positions in key growth markets for Allianz.
• The chairmanship of the joint venture partnership will rotate every two years between Sanlam and Allianz.
• The CEO of the entity- and its name - will be named in due course.
• The agreement is subject to the receipt of required approvals from competition authorities, financial/insurance regulatory authorities and any customary conditions that Sanlam and/or Allianz would be required to fulfil for each jurisdiction.

Sanlam is a pan-African financial services group listed on the Johannesburg, Namibian and A2X stock exchanges. Headquartered in South Africa, Sanlam has a direct stake in financial services entities in:

• Botswana
• Kenya
• Malawi
• Mauritius
• Mozambique
• Namibia
• Nigeria
• Rwanda
• Swaziland
• Tanzania
• Uganda
• Zambia,
• Zimbabwe

Sanlam also has a footprint of insurance operations in:

• Algeria
• Angola
• Benin
• Burkina Faso
• Burundi
• Cameroon
• Congo
• Cote D’Ivoire
• Gabon
• Ghana
• Guinea
• Lesotho
• Madagascar
• Mali
• Morocco
• Niger
• Senegal
• Togo
• Tunisia

The Allianz Group has 126 million private and corporate customers in more than 70 countries. Allianz customers benefit from a broad range of personal and corporate insurance services including health insurance.

PART 2

ALLIANZ AND JUBILEE

• This is an on-going process that has not been completed so how it fits into the framework now and in the future is unclear.
• Allianz bought 66% of Jubilee Insurance of Uganda.
• Alliianz bought short-term general insurance business operations of Jubilee Holdings in Kenya, Tanzania, Burundi and Mauritius.
• Allianz has partnership across Africa with Jubilee excluding PMI and IPMI for the time being as Jubilee partners with Bupa.
• The partnership has plans to enter other countries for health insurance but has been blocked by the state in Ethiopia.

PART 3

SANLAM AND PMI - IPMI

• The key PMI/IPMI potential is across Africa but it has not yet worked a coherent brand or strategy for PMI or IPMI.
• Sanlam has no specific IPMI products BUT writes PMI in some African countries.
• Sanlam Pan Africa partners with Aetna International to offer Global Health an IPMI health insurance across 20 African countries.
• With Allianz taking over the IPMI business of CVS/Aetna this will neatly morph into an Allianz partners-Sanlam deal.
• Following the takeover of Saham, Sanlam had PMI in a few countries with plans to offer it in many more.

PART 4

ALLIANZ AND PMI - IPMI AFRICA

• The Aetna deal gives it the Sanlam IPMI business in 20 countries.
• Prior to that deal Allianz has partnerships with 4 local insurers on health insurance and micro health insurance.
• Allianz also writes local PMI in 6 other African countries, and in some countries offers health cash and micro health.
• Allianz Care writes IPMI in partnership with local companies in 3 African countries.

PART 5

IPMI - PMI IN THE FUTURE

• The combination of the Aetna, Jubilee and Sanlam deals rockets Allianz from a health insurance dabbler in Africa to a substantial PMI and IPMI player now.
• With the rise of the African middle class and wealth from mining and oil, the potential in Africa is what it was in the Middle East a decade ago.
• While the Gulf/Middle East potential is capped by the limits to the population numbers, the rise of local insurers, and political risks- the potential for PMI and IPMI – plus micro health and health cash across Africa is many times that.
• The cleverest thing Allianz has done is to work with local African insurers who understand the local politics in each country and how to navigate the tortuous insurance and other regulatory perils.
• If I was a rival global IPMI player I would be looking to partner with local pan-African insurer Municipal Mutual that has PMI in several countries but not IPMI- my fear would be Allianz getting there first.
• The other big rivals with massive African expansion plans for their Vitality IPMI product is Discovery, and the Cigna Global partnership with African group Hollard.
• Bupa’s African IPMI presence is courtesy of Jubilee which following the latter deal with Allianz now looks vulnerable as even the Generali deal gives it nothing in Africa.
• The AXA African IPMI presence is limited and often dependent on regional broker deals.
• The wild card is African bank owned Liberty Health (No connection to Liberty Mutual) which at one stage was for sale but recently became a full bank subsidiary. It has PMI and IPMI presence in quite a few African countries but has been a sleeping giant and could be a good partner for a global IPMI player.
• Other than a few local insurers there is not the mass number of PMI and potential IPMI players as there was in the Middle East.
• UnitedHealthcare Global is big in 30 African countries in healthcare services but not insurance so could the parent move the focus away from LatAm to Africa?
• The big Chinese insurers - as Africa moves closer to China than the USA or Europe - and as Russia is otherwise engaged- could move their brand of insurance plus healthcare plus tech plus banking to Africa.
• There may be others seeing the massive potential that I have banged on about for years without anyone seeming to listen until recently.
• But for now Allianz has played a blinder and the rest will have to play catch up.

Read more iPMI Market intelligence in Ian's reports, click here.

 

Aetna International has announced that they have entered into a preferred partnership deal with Allianz Partners, a world leader in B2B2C insurance and assistance. The agreement covers all of Aetna International’s regions, with the exception of the Americas, Thailand and India. 

The preferred partnership deal comprises the following: 

Aetna International’s International Private Medical Insurance (IPMI) business outside of the Americas, Thailand and India

Aetna International intends to introduce its customers to Allianz Partners and to help migrate their membership to Allianz Partners on renewal, following the transaction becoming effective.  Completion of this migration process is planned to take place before or by 31 October 2023.  The commercial deal is also contingent on certain legal processes being completed in relevant jurisdictions.  

Aetna International has been working closely with Allianz Partners to plan for a smooth handover for customers at policy renewal.  Allianz Partners will offer new cover with similar benefits and no additional medical underwriting.  More information will be shared with partners and customers over the coming weeks and also ahead of each policy renewal.   

Aetna International, in the EMEA and APAC regions, plans to no longer provide cover for most new customers or most renewals for existing customers with policy dates from 1 July 2022 onwards for most Group business and from 1 November 2022 for Individual business. This means that Aetna International IPMI customers will cease being on Aetna cover by 31 October 2023 at the latest, apart from any claims they make on their Aetna International policy.

Aetna’s businesses and operations in the Americas

Aetna International’s Americas business and operations will become part of Aetna, a CVS Health company.   

Aetna remains dedicated to the U.S. expat business and intends to partner with Allianz Partners to explore opportunities to service its members outside of the U.S.  More information on this will be provided in the coming months.  In the meantime, we will continue to provide the same quality coverage and excellent service to our members accessing care around the world.    

Aetna International Thailand

In Thailand, Allianz Ayudhya has agreed to acquire 100% of Aetna International’s shareholdings and therefore its Thailand business operations in their entirety. More information on the acquisition of Aetna International Thailand is available below:

Aetna International India

Aetna’s Indian Health Organisation is not included in the preferred partnership deal with Allianz Partners. A separate update will be provided in due course.

Existing customers 

All Aetna International in-force policy terms, conditions and benefits will stay the same until policy expiry. Claims and pre-approval processes, along with Member Services contact details also remain the same until that time.   

In this article Ian Youngman, Author and Publisher of the upcoming INTERNATIONAL HEALTH INSURANCE 2022 and new companion IPMI market reports, takes a look at how the Ukraine conflict is affecting health insurers and brokers, plus air travel.

SANCTIONS

The European Council and the USA have both adopted an increasing range of restrictive measures against Russia.

There is a full prohibition of any transactions with certain Russian State-owned enterprises across different sectors.

There is a ban on new investment across the Russian energy sector, with limited exceptions.

Most EU insurers and brokers have withdrawn from new investment in Russia.

RUSSIAN INSURERS

Russian insurers are no longer allowed to do business with insurers, reinsurers and brokers from states deemed hostile to Russia. The countries involved include the United Kingdom, the United States, Japan, South Korea, Australia, New Zealand, Switzerland, Singapore, Taiwan and all European Union (EU) states.

TRAVEL

The measures from both sides may make it harder or impossible for Russian travellers to comply with entry rules where countries demand that all travellers have travel health or health insurance. Those countries still seeking Russian business- such as Turkey and the UAE/Dubai who see the conflict as offering business potential to tourists, medical tourists and airlines- will find ways round the problem.

PAYMENT

Russian individuals cannot use debit cards and credit cards from EU or US card providers anywhere in the world- and cannot use Russian or Chinese credit or debit cards in any country that supports the sanctions.

AIR TRAVEL

There is a ban on exports, sales, supply or transfer of all aircraft, aircraft parts and equipment to Russia. There is a ban on the provision of all related repair, maintenance or financial services. EU airspace has been closed to all Russian-owned, registered or controlled aircraft, including private jets of oligarchs.

The seizing of EU owned leased aircraft provides a temporarily respite for Russian air travel but over time the lack of spares and maintenance will mean most are grounded. Three quarters of Russia’s current commercial air fleet were built in the EU, the US and Canada. This means that Russia will not be able to maintain its fleet to international standards- so even supporting countries may have to stop allowing Russian planes to land.

RISK FOR INSURERS AND BROKERS

Many are still working out what to do and how. If they have physical assets and investments in Russia they know there is a risk that if they withdraw then, as happened to food companies and aircraft, the state will just seize the assets without compensation.

If they do not stop doing business with Russia they risk prosecution, public opinion and other state action both at home and in sanctioning countries.

If they pull out of Russia it may be impossible to return.

The situation of insuring Russian companies and individuals outside of Russia is a legal minefield- a no win situation.

INSURERS

• Allianz is not insuring new business and ceased investing. It is reducing business in an orderly manner but as it has substantial business in Russia has not specifically said it will not offer renewals. Allianz Care has a local office in Moscow and offers local Russian IPMI plans on a group and individual basis. Allianz offers local health insurance via Allianz Life and CJSC Medexpress while owning clinics OJSC My Clinic and LCC Progress-Med  (the provision of healthcare is excluded from sanctions).
• AXA has stopped underwriting new insurance business (and stopped all renewals) with respect to Russian-owned assets located in Russia. On AXA’s substantial minority financial investment in Reso Garantia, a major Russian insurance company whose activities include health insurance. AXA has no operational or management control over this company and has decided to remove its directors from the board- but retains a shareholding.
• Generali has wound down its Europ Assistance operations in Russia, closed its Moscow representative office, and frozen its stake of 38.5% stake in Russian insurer Ingosstrakh that offers health insurance in Russia.
• Munich Re suspended new business in Russia and Belarus and will not renew any existing business in those countries. The group had no direct health insurance in either but had reinsurance contracts.
• Zurich Insurance is no longer accepting new clients in Russia and will not renew existing business.
• Other insurers active in Russia but not offering health insurance there and who have yet to go public on plans include Euroins, Starr and UNIQA.
• Vienna Insurance Group has evacuated hundreds of employees and their families from Ukraine- and found them places to live in its own real estate portfolio.

BROKERS

• Aon has temporarily suspended operations in Russia where it has offices in Moscow and St.Petersburg.
• Marsh McLennan has exited all of its businesses in Russia. It has transferred ownership of Russian businesses to local management who operate independently in the Russian market.
• WTW has exited all of its businesses in Russia. It has transferred ownership of Russian businesses to local management who operate independently in the Russian market.

RUSSIAN INSURERS

The Russian insurance market is highly concentrated and closely connected to the country’s ruling class and its affiliated business oligarchs. Russian banks have been buying insurers from European and USA insurers in recent years such as Liberty Mutual and MetLife.

RATINGS

• Rating agencies AM Best and Fitch have both downgraded a host of Russian based insurance companies- including some owned or part owned by European insurers.
• AM Best has suspended all commercial activities in Russia and subsequently ceased offering credit ratings for any Russian insurer- even foreign owned ones.

MORE SANCTIONS

• The USA and EU have increased the number of sanctions on individuals and banks with promises of more to come.
• The EU has banned coal imports and seeks ways of banning oil imports.
• The EU has banned all transactions with most Russian banks.

QUESTIONS

• Some Russians have dual nationality- so unless they are on the ever-lengthening list of sanctioned individuals- is it legal to offer health insurance?
• Is it against sanctions to offer IPMI to Russian expatriates who are temporarily overseas?
• Where overseas companies are only part owned by Russian companies, is it legal to offer insurance?

About The Author

Ian Youngman is a writer and researcher specialising in insurance. He writes regularly for a variety of magazines, newsletters, and on-line services. He publishes a range of market reports and undertakes research for companies and has London market management experience with brokers and insurers. Read Ian's reports here.

 

Welcome to iPMI Magazine 2022.

The February 2022 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 insurance 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. 

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.

DOWNLOAD THE IPMI MAGAZINE PROVIDER NETWORK IN PDF FORMAT

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

Current Provider Network Members 

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]ipmimagazine.com

PAYORS AND PROVIDERS IN FOCUS:

IPMI

• Aetna International
• Cigna Global IPMI
• Geoblue
• Healthcare International
• Integra Global
• Pacific Cross International
• UnitedHealthcare Global

ASSISTANCE

• AMA Global Assistance
• Athens Assistance
• CEGA
• Goral Assistance
• GMMI
• Healix International
• MDabroad
• New Frontier Group
• Roy Medical Assistance
• Rowland Brothers International
• UnitedHealthcare Global

AIR AMBULANCE

• Air Alliance
• Airlec Ambulance
• European Air Ambulance
• FAI Air Ambulance
• Jet Executive
• Tyrol Air Ambulance
• Universal Air Evac

COST CONTAINMENT AND CLAIMS MANAGEMENT

• CEGA
• Global Excel
• GMMI
• Healix International
• MDabroad
• New Frontier Group
• Roy Medical Assistance
• UnitedHealthcare Global

FUNERAL DIRECTORS

• Rowland Brothers International

INSURANCE TECHNOLOGY

• MedinyX Technologies
• Think Insurtech
• StandbyMD

DOWNLOAD THE IPMI MAGAZINE PROVIDER NETWORK IN PDF FORMAT

 

Welcome to iPMI Magazine 2022.

The February 2022 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 insurance 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. 

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.

DOWNLOAD THE IPMI MAGAZINE PROVIDER NETWORK IN PDF FORMAT

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

Current Provider Network Members 

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]ipmimagazine.com

PAYORS AND PROVIDERS IN FOCUS:

IPMI

• Aetna International
• Cigna Global IPMI
• Geoblue
• Healthcare International
• Integra Global
• Pacific Cross International
• UnitedHealthcare Global

ASSISTANCE

• AMA Global Assistance
• Athens Assistance
• CEGA
• Goral Assistance
• GMMI
• Healix International
• MDabroad
• New Frontier Group
• Roy Medical Assistance
• Rowland Brothers International
• UnitedHealthcare Global

AIR AMBULANCE

• Air Alliance
• Airlec Ambulance
• European Air Ambulance
• FAI Air Ambulance
• Jet Executive
• Tyrol Air Ambulance
• Universal Air Evac

COST CONTAINMENT AND CLAIMS MANAGEMENT

• CEGA
• Global Excel
• GMMI
• Healix International
• MDabroad
• New Frontier Group
• Roy Medical Assistance
• UnitedHealthcare Global

FUNERAL DIRECTORS

• Rowland Brothers International

INSURANCE TECHNOLOGY

• MedinyX Technologies
• Think Insurtech
• StandbyMD

DOWNLOAD THE IPMI MAGAZINE PROVIDER NETWORK IN PDF FORMAT

 

Global Benefits Group (GBG), a specialty insurance organization administering international health, life, disability, and travel insurance today announced the launch of its new brand and newly designed website, gbg.com.

The redesigned site brings together their regions and divisions all under one holistic site.

The new website provides visitors and partners with a simpler way to learn about GBG’s capabilities on a cutting-edge platform. 

Chris DiSipio, Chief Executive Officer, Global Benefits Group, comments, "We are proud to introduce the new GBG brand as it aligns with our continued dedication to serve customers around the world."

GBG has nearly 40 years of experience providing support and guidance around the world.  The new brand demonstrates the passionate team of experts that handles the intricacies of international insurance so clients can live their life no matter where their lives take them…Go, we’ll be there!

Learn more by watching our latest corporate video, then come explore the new GBG at gbg.com.

ABOUT GBG: Global Benefits Group (GBG) is a global insurance group that administers and underwrites international health, life, disability, and travel insurance. With a client base that spans multinational corporations, expatriates, international students, high net-worth individuals, international schools, and non-profit organizations, GBG is committed to delivering outstanding customer service to the globally mobile population.

Global Benefits Group (GBG) is the marketing name for GBGI Limited and its subsidiary and affiliated companies. 

Welcome to iPMI Magazine 2022.

The January 2022 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 insurance 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. 

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.

DOWNLOAD THE IPMI MAGAZINE PROVIDER NETWORK IN PDF FORMAT

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

Current Provider Network Members 

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]ipmimagazine.com

PAYORS AND PROVIDERS IN FOCUS:

IPMI

• Aetna International
• Cigna Global IPMI
• Geoblue
• Healthcare International
• Integra Global
• Pacific Cross International
• UnitedHealthcare Global

ASSISTANCE

• Athens Assistance
• CEGA
• Goral Assistance
• GMMI
• Healix International
• MDabroad
• New Frontier Group
• Roy Medical Assistance
• Rowland Brothers International
• UnitedHealthcare Global

AIR AMBULANCE

• Air Alliance
• Airlec Ambulance
• European Air Ambulance
• FAI Air Ambulance
• Jet Executive
• Tyrol Air Ambulance
• Universal Air Evac

COST CONTAINMENT AND CLAIMS MANAGEMENT

• CEGA
• Global Excel
• GMMI
• Healix International
• MDabroad
• New Frontier Group
• Roy Medical Assistance
• UnitedHealthcare Global

FUNERAL DIRECTORS

• Rowland Brothers International

INSURANCE TECHNOLOGY

• Think Insurtech
• StandbyMD

DOWNLOAD THE IPMI MAGAZINE PROVIDER NETWORK IN PDF FORMAT

 

The December 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 insurance 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. 

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.

DOWNLOAD THE IPMI MAGAZINE PROVIDER NETWORK IN PDF FORMAT

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

Current Provider Network Members 

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]ipmimagazine.com

PAYORS AND PROVIDERS IN FOCUS:

IPMI

• Aetna International
• Cigna Global IPMI
• Geoblue
• Healthcare International
• Integra Global
• Pacific Cross International
• UnitedHealthcare Global

ASSISTANCE

• Athens Assistance
• CEGA
• Goral Assistance
• GMMI
• Healix International
• MDabroad
• New Frontier Group
• Roy Medical Assistance
• Rowland Brothers International
• UnitedHealthcare Global

AIR AMBULANCE

• Air Alliance
• Airlec Ambulance
• European Air Ambulance
• FAI Air Ambulance
• Jet Executive
• Tyrol Air Ambulance
• Universal Air Evac

COST CONTAINMENT AND CLAIMS MANAGEMENT

• CEGA
• Global Excel
• GMMI
• Healix International
• MDabroad
• New Frontier Group
• Roy Medical Assistance
• UnitedHealthcare Global

FUNERAL DIRECTORS

• Rowland Brothers International

INSURANCE TECHNOLOGY

• Think Insurtech
• StandbyMD

DOWNLOAD THE IPMI MAGAZINE PROVIDER NETWORK IN PDF FORMAT