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UK Health Insurance

UK Health Insurance

You may be a business traveler, student studying abroad, an expatriate, leisure or medical health tourist searching to source, compare and select the best UK Health Insurance.

Since 2009 International Private Medical Insurance Magazine has been providing mission critical information about UK Health Insurance to individuals, groups, corporate clients, brokers and intermediaries.

It is important to fully understand UK Health Insurance requirements before you travel to the UK, and insure you select the right and most appropriate UK health and medical insurance plan for leisure, business, educational or health travel purposes to the UK.

UK Health Insurance comes in all shapes and sizes so be sure to do a complete comparison of the UK medical health insurance company, plan, costs and fine print. International Private Medical Insurance Magazine represents many leading UK Health Insurance companies, underwriters, providers, brokers and intermediaries.


British Expats In France And Spain Lose Free Healthcare

British expatriates living in Europe having taken early retirement will lose their access to free local healthcare services, after the government decided to scrap the facility.

In the past, those living in countries such as France or Spain have found their treatment covered by the NHS, but this is about to change. From April 1st, those who are not covered through employment will have to foot the bill themselves. The move is just one of a number of cost-saving measures that the NHS is planning to roll out in order to bring its budgets back in check.

European states will no longer be reimbursed by the NHS for the medical treatment received by non-working Brits below the pensionable age. The current system works by expats filling in an S1 form, which entitles them to two and a half years worth of healthcare if they have paid national insurance for the previous three years.

Those who are already in possession of the document will be able to use it until it expires, but once it lapses it will not be renewed and expat travel insurance will be required instead.

A spokesperson for the Department of Health told the Telegraph: "No other European state offers an equivalent to the residual S1 and the reasons for the UK doing so in the past probably arise because the NHS is different to continental systems."

No figure has been released to state how much money will be saved by the move, but it is thought that the average cost per pensioner to the UK is £4,000 a year. Some 2,355 S1s were issued is the 2012/2013 year, with time left on them to run.

The Department spokesperson added: "We are continuing to work through the operational implications of the change and will make a further announcement once this work has been completed."

Expats over the age of retirement will not be affected, nor will anyone seeking emergency treatment via the European Health Insurance Card.



Expatriates Warned About Middle East MERS Virus Risk

Medibroker is warning expatriates about an increasingly prominent virus risk emerging in the Middle East. MERS - Middle East Respiratory Syndrome - has infected 176 individuals since it first emerged in 2012, with over 40% of cases proving fatal.

The virus causes similar symptoms to the SARS virus - fever, coughing and pneumonia. The majority of cases have been seen in Saudi Arabia but the United Arab Emirates, Oman and Qatar have also had incidents. Camels are thought to be possible carriers of the virus and the World Health Organisation is advising care when in the vicinity of these animals, especially in farms or barn areas. Meticulous personal hygiene is also recommended.

Scientists contributing to the journal Annals of Internal Medicine wrote recently: 'The concentration of vulnerable patients, the frequent movement of patients, and the many daily contacts make health-care facilities the perfect breeding ground for MERS-CoV transmission.'

'The Middle East is a popular destination for foreign workers with over 7.5 million expatriates in Saudi Arabia alone, according to some estimates.' said Medibroker CEO, Robin Pegg. 'Reports suggest the MERS virus is a serious threat and we are advising clients to take extra care when travelling to the region. For many expatriates excellent care will be available from their international health insurance but prevention is better than the cure in this case.'


Mercer Launches Mercer Belong® Global Mobility

Combining the strength of its communication expertise with its leadership position in global mobility, Mercer has announced Mercer Belong® Global Mobility (BGM) – a new solution that fosters better connections between the business, global mobility talent managers and expatriate assignees.

It is the latest enhancement to the firm’s Talent Impact™ Technology Solutions Portfolio. Designed around Mercer’s innovative Belong® web portal framework, which streamlines the delivery of human resources content in a user-friendly way, BGM’s easy-to-use application delivers the benefits of working abroad to prospective assignees; helps employees prepare for their upcoming assignments; and strengthens ties with current expatriates throughout their assignments. Through an interactive user-interface, BGM redefines customer experience via guides, quick links, social media, forms and third party resources. This access to self-service applications allows HR and line managers to stay connected with assignees and to better understand their critical role in the global mobility lifecycle.

“We are very excited to introduce a unique, all-encompassing, online resource for the mobility marketplace,” said Antonio Poglianich, Partner and Global Sales Leader for Mercer’s Communication practice. “BGM is designed to strip away the mystery behind what a global assignment involves both from the perspective of the employee going on an assignment to those supporting that individual. BGM also flexes to fit any organisation’s needs.”

Added Ed Hannibal, Partner and Global Consulting Leader for Mercer’s Mobility practice, “Considering the investment that so many organisations have made in their expatriate programs, BGM fosters a way for key stakeholders – expatriates, managers and mobility specialists – to strengthen their business connection. With fewer resources managing expatriate programmes, BGM provides employers an effective way to engage assignees 24/7 through an easy-to-navigate website, full of valuable information.”


Better Property Rights For Expats In Abu Dhabi

Freehold homes are now within reach of expatriates living in Abu Dhabi, as the city aims to boost its property sector.

Those foreigners living in the capital of the United Arab Emirates (UAE) have been restricted to leasehold agreements in the past, but can now purchase houses in designated investment zones. The move puts Abu Dhabi in a similar position to Dubai, where it has always been easier for expats to buy property. In fact, Dubai has one of the most thriving property markets in the world, due to a decree issued in 2002 that granted freehold rights to people from outside the Gulf Cooperation Council nations. A number of the new investment zones being set up in Abu Dhabi are to be controlled by Aldar Properties, the biggest property developer in the UAE and majority owned by the state.

Abubaker Seddiq al Khoori, chairman of Aldar Properties, said: "We believe that attracting long-term foreign investors will bring great benefits to Abu Dhabi in particular, and to the UAE in general, so that we can continue our path of construction and development."

Many of the bigger development projects that had been planned in the city were put on hold when the global economy took a downturn in 2009, hitting Abu Dhabi's residential property sector hard. Despite the move to allow expats freehold property rights being welcomed by most foreigners in the country, some remain sceptical. The bureaucracy is complicated to navigate and expats are subject to wide-reaching conditions that mean certain modifications to a property are not allowed.

Will Palmer, a British expat living in the UAE, told the Telegraph: "While this is good news, freehold property rights in this country are not that straightforward as you still have to adhere to some conditions, especially if you live in a gated community."

Expatriate Healthcare specialise in providing international health insurance. Make sure you're protected.


Indonesia Travel Warning: Mt Sinabung in North Sumatra Repeatedly Erupted 4 and 5 January 2014

Mt Sinabung in North Sumatra repeatedly erupted on 4 and 5 January 2014.

The eruption prior to this was on 21 November 2013. Following intermittent eruptions since September 2013, several surrounding villages have been evacuated and there has been occasional disruption at the nearby airport in Medan. The alert level has been raised to ’high’ with the exclusion zone increased to 7km to the south east of the volcano, and 5km in all other directions.

Around 190,000 British nationals visit Indonesia every year. Most visits are trouble free. Take out comprehensive travel and medical insurance before you travel to Indonesia, Asia.

Source and Select a Medical, Travel, Road side, Technical and Legal assistance company in Indonesia Asia

International Private Medical Insurance Magazine reports on all aspects of the medical and travel assistance business in Indonesia, Asia. International Private Medical Insurance Magazine provides Medical Assistance Indonesia company, executive, services and industry news including a firm focus of the provision of medical assistance and emergency medical services in Indonesia and across the Asia-Pacific. If you are searching the internet for medical or travel assistance in Indonesia, look no further than iPMI Magazine.

News that travels as fast as your internet connection.

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.


Russia Travel Warnings News Advice: Terrorist Attack 29 Dec 2013 Volgograd

There is a high threat from terrorism. Attacks have occurred most frequently in Moscow and in the North Caucasus. The most recent attack took place on 29 December in the city of Volgograd.

Take out comprehensive travel and medical insurance before you travel to Russia.

The Foreign and Commonwealth Office (FCO) advise against all travel to Chechnya, Ingushetia and Dagestan and the districts of Budyonnovsky, Levokumsky, Neftekumsky, Stepnovsky and Kursky in Stavropol Krai. The FCO advise against all but essential travel to North Ossetia, Karachai-Cherkessia and Kabardino-Balkaria (including the Elbrus area).

British nationals made around 127,000 visits to Russia in 2011.

The Olympic and Paralympic Winter Games will take place in Sochi during February and March 2014.


10 Resolutions For Managing Globally Mobile Talent In 2014

Mercer’s surveys of multinational employers show that most intend to increase the number of employees they send on both long-term and short-term global assignments over the next two years.

While some employers have large, mature mobility programs with hundreds of expatriates in dozens of countries, others have small, newer programs. Yet all want to attract the right employees and send them on the right type of assignment for the right amount of time – all while controlling costs and the amount of effort it takes to administer their programs.

To help HR professionals better manage an expanding globally mobile workforce in 2014, Mercer suggests 10 resolutions:

  1. Step back and get some perspective Knowing where your assignment policies stand versus those of your peers is an important first step in maintaining an effective global mobility program. Some of your policies may vary significantly from those of your peer companies. That variation may be justified, but you should at least know its direction and extent. Also, the first of the year is a good time to check with leadership to confirm whether your global mobility program is meeting their strategic and operational objectives.
  2. Get assignee feedback from the right source Surprisingly, assignees rarely express dissatisfaction about their compensation and allowances in opinion surveys. But issues that typically bother them most – poor communications, lack of relocation support, ineffective service providers, and repatriation planning – cannot be fixed simply by spending more money. To get candid feedback that can result in meaningful policy improvements, consider using a third party that will keep assignees’ responses confidential.
  3. Look at your map, then ask directions Many employers are pushing beyond typical expatriate locations, such as Hong Kong, Shanghai, London, and Dubai to less typical ones (sub-Saharan Africa, smaller cities in China, Eastern Europe). Ensure that you have the proper incentives in place to support programs in non-traditional host locations. And look carefully at expatriates’ home countries; if they are leaving a relatively low-wage country such as India, the traditional “balance sheet” approach to compensation may not be appropriate.
  4. Check for the right mix of flexibility, complexity, and equity Flexibility can be built in at the business level (so managers can decide on certain optional compensation elements for expatriates) or at the individual level (using lump sums that expatriates can spend as they choose). While managers may be pushing for more flexibility, it can lead to greater complexity in managing your program and less equity among expatriates. Be prepared to give your leadership clear metrics to understand the balance of priorities.
  5. Scout host neighborhoods for new expatriates Housing costs are often the largest discretionary portion of total mobility costs (after salary and related taxes), and local housing markets can change significantly during the year. For expatriates heading out in 2014, be sure to use timely, accurate, neighborhood-specific housing cost data for “host” cities. Set appropriate rental guidelines and communicate them clearly to expatriates and relocation firms before they search for housing. Consider moving your approval process farther up the chain of command so that senior managers must approve exceptions to stated policies.
  6. Match expatriate programs to talent management strategies Define specific competencies for global leaders and then ensure their global mobility programs build “bench strength” to fill future leadership slots. As your company expands in other countries, it becomes increasingly important that senior executives have hands-on experience outside their own home countries. For each assignment, consider whether it is growing the business, developing global leaders, or filling a critical skill gap, but do not leave talent mobility to chance.
  7. Track your business travelers and short-term assignees closely As governments seek new areas of potential tax revenue, employers need to know precisely how many days per year their business travelers and short-term employees are situated in which locations, both domestically and internationally. It is critical to manage not only their presence, but their remuneration. Consider whether they should be on regular expense-reimbursement programs or set up in serviced flats with cost-effective per diem expenses.
  8. Consider “local plus” as a compensation program Are some of your expatriates locally hired foreigners or directly hired on one-way or indefinite assignments? If so, a “local plus” compensation package (adding a handful of allowances to local salaries) may be more appropriate than a traditional home balance sheet package premised on maintaining home country ties. Local-plus adjustments may be particularly appropriate in Asia, where this approach has gained traction in recent years.
  9. Localize when ties to a “home” country are loose It may make sense to hire locally rather than to send an expatriate from a home country depending on the country, the expatriate’s role and purpose, and talent availability. Or you may be able to “localize” existing expatriated employees by aligning their compensation and benefits package with local market levels. Look critically at the duration of your longer-term expatriates’ tenure in their host countries – if they have been in-country for five or more years, it may be time to consider localizing them.
  10. Tweak index-based allowances Re-examine assumptions made when computing cost-of-living allowances and hardship premiums based on differences between home and host locations. Most cost-of-living indexes embed assumptions about employees’ familiarity with host location spending patterns. Changing those indices can be both cost-effective and realistic. In an increasingly global economy with younger workers, you may be able to reduce them over time. Note: The 10 resolutions reflect considerations that are applicable to many multinational employers generally, but should not be deemed to be advice to any specific employer or with respect to any particular set of circumstances. Employers interested in reviewing their global mobility program should seek the advice of a qualified consultant.

Venezuela Travel Warnings News Advice: Travellers Must Hold Travel and Medical Insurance as of 18 December 2013

The Venezuelan Government has announced that from 18 December 2013 it will be obligatory for all people travelling to Venezuela to hold travel and medical insurance.

Further information will be published when the local authorities clarify how this requirement will be implemented.

Around 9,500 British nationals visit Venezuela every year. Most visits are trouble free. You have to take out comprehensive travel and medical insurance before you travel to Venezuela.


Burundi Travel Warning: Political Demonstrations Expected in Burundi Monday 9 December 2013

Political demonstrations are expected in Burundi on Monday 9 December in Independence square, the central market, the University of Burundi, and the Cathedral Regina Mundi.

You are advised to avoid large crowds and demonstrations or protests in Burundi. The Foreign and Commonwealth Office (FCO) advise against all travel to: within 1 km of the border with the Democratic Republic of Congo, on Routes Nationales 5, 9 and 10, to the provinces of Bubanza and Cibitoke and to the Rukoko national park.

The FCO advise against all but essential travel to all remaining parts of Burundi, except for Bujumbura city, to which the FCO advise against all but essential travel to the areas of Kanyosha and Kamenge only.

There is no British Embassy in Burundi, but there is a Liaison Office in Bujumbura, which can provide limited consular advice and assistance.

The Belgian Embassy is able to provide consular assistance to British nationals.

Take out comprehensive travel and medical insurance before you travel.

There is a high risk of street crime, particularly whilst withdrawing money. There have been incidents of armed burglary. Avoid travelling by road outside of Bujumbura between 5:30pm 8am. This is due to the security situation and road safety concerns; take extra precautions. There is an underlying threat from terrorism. Al Shabaab has made public threats against Burundi because of its support to the African Union peacekeeping mission in Somalia. A long running cholera epidemic in Burundi (including Bujumbura) has caused several fatalities during 2013. You should take necessary precautions and seek urgent medical attention if you are unwell.

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