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iPMI Magazine

International Private Medical Insurance Magazine (iPMIM) is the ultimate Health and Medical Insurance Digital Media serving expatriate, corporate, health and travel insurance markets. Due to the nomadic nature of the international healthcare industry iPMI Magazine is an internet based news service, for worldwide healthcare professionals, who need to understand the impacts of healthcare and insurance policy, regulatory, and legislative developments. Combined with in depth health insurance industry analysis, best-in-class health insurance industry data, and exclusive, C-Suite Executive health insurance interviews and round tables, iPMI Magazine bridges an information gap between healthcare payor, provider and patient. Written by the health and medical insurance industry, for the health and medical insurance industry, iPMIM is supported and designed by leading international medical insurance companies and service providers.

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Remote Medical International Partners With New Frontier Group For US Cost Containment And Telemedicine

As part of a continuing effort to save lives and improve workers' health in diverse job sites, Remote Medical International (RMI) has partnered with New Frontier Group to support its operations in and around the US.

RMI COO, Paul Budak, explains, "we have clients with significant operations in the US, both on-shore and off-shore, and when their staff fall ill or get injured, we want a partner that can help us access the most appropriate medical services and to manage the treatment and costs on behalf of our clients."

RELATED READING: iPMI Magazine Speaks with Gitte Bach, CEO and President, New Frontier Group

Another critical factor in RMI's decision to partner with New Frontier Group was its ability to provide 24/7 remote access to physicians and specialists, including mental health advice via their telemedicine solution NFGtelecare.

This cooperative agreement will enhance RMI's capability to provide high-quality workplace health and safety services and allow clients to access New Frontier Group's award-winning services for their industrial and remote projects in the US.

Gitte Bach, New Frontier Group President & CEO, adds, "We are extremely proud to welcome RMI as a new client and look forward to working closely with them with regards to their medical needs here in the US."

For more information about New Frontier Group, please visit

For more information about Remote Medical International, please visit



iPMI Magazine Provider Network Directory May 2021

The April 2021 edition of the iPMI Magazine Provider Network e-Directory is out now, featuring over 85 pages of international private medical insurance and 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.

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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]










Zurich Offers Free Mental Health Education To All UK Corporations

Zurich Resilience Solutions, part of Zurich Insurance Group has launched a new digital tool that allows UK corporations to educate, identify and manage the mental health risks associated with their workforce.

The Zurich Risk Advisor (ZRA) app is a digital risk assessment tool that will empower companies to understand their mental health exposures and then provide recommendations and insights linked to industry benchmarks.

Zurich is committed to supporting its customers in developing their understanding of the risks associated with the management of employee health and wellbeing which are influenced by a range of factors including the work environment, organisational culture and management and leadership behaviours. The app tests different corporate scenarios through a series of question sets so organisations can identify and be equipped to mitigate and therefore prevent their mental health risks in a variety of scenarios and events.

It is free to download and therefore open to all UK corporations, not just Zurich customers. This investment in the mental health of the UK workforce follows Zurich’s recent offering of five free counselling session for Zurich policy holders who may consider seeking support following a claim.

As the COVID-19 pandemic has shone a spotlight on the fragility and dependence businesses have on a healthy and mentally well workforce, organisations are also seeing increasing evidence that investment into health and wellbeing is linked to greater levels of employee resilience, something which can help them remain competitive and helps support their long term business sustainability. HSE figures indicate:

  • over 50% of workplace absence is due to stress-related conditions
  • annual cost to employers of poor mental health is estimated to be in the region of £45 billion, with more than half of this attributed to presenteeism (£27-£29 billion)
  • average cost of mental health absence per employee ranges from £1,475 to £2,277. This is similar across the public and private sectors
  • 12.8 million working days were lost due to work-related stress, depression or anxiety
  • an average return of £5 for every £1 spent on mental health intervention.

Legal precedent. Hatton v Sutherland (2002):

The legal precedent on work related stress claims has remained unchanged for nearly twenty years. Hatton v Sutherland (2002) said that employers are not liable for stress-induced illness unless it was reasonably foreseeable, remains the governing authority. However, this should be looked at in context, as the precedent originated from an environment where managers saw employees on a daily basis, and management styles were subsequently more authoritative.

As the last year has shown us, for some industries the traditional 9-5 working day no longer exists, with employees being given more freedom about where and when they perform their role. This has changed the way in which employers and their people communicate and presents a new challenge for management in terms of how they monitor the health and wellbeing of employees.

It is also possible that the increased focus on mental health in the workplace and the pressures brought about by enforced homeworking related to Covid19 will see an increase in the number of claims linked to mental health. Stress affects individuals, their families and colleagues by impacting on their physical and mental health but it also has a negative effect on employers with costs relating to sickness absence, replacement staff, lost productivity and increased accidents.

Andrea Steer, Wellbeing Lead, Zurich Resilience Solutions comments:The revolutionisation of the modern workplace has been significantly fast-forwarded as a result of the pandemic. Therefore, fear, uncertainty and lack of clarity clouds many people’s outlook when it comes to the future of how they will work. Organisations therefore need to ask themselves, are they managing the obvious risks around remote working as well as they could?

“Increased use of technology has led to a level of human detachment not previously experienced. And new risks such as an ‘always on’ mentality and the concept of ‘leavism’, employees working excess hours to impress their boss, only lead to increased mental health risks.  

“It is imperative that employers continue to develop their own policies to manage the unintended consequences of these risks - as well as develop a healthy work culture by demonstratable leadership behaviours. After all, a collective strong mental health can lead to strong and sustainable companies.

“It is also only a matter of time before the legal precedent Hatton v Sutherland will be challenged by claimants in the context of the ongoing workplace revolution. I predict that the landscape of workplace stress claims will change and develop in the coming years, which may well result in an increase in claims unless employers adapt to the challenges of the modern workplace.’

easyJet Partners With Collinson To Provide Passengers With COVID-19 Cover

Collinson has announced it is renewing its partnership with easyJet until at least April 2024, providing travellers with a range of relevant and dynamic insurance options, including dedicated COVID-19 cover for all domestic travel.

The enhanced product, available to include during easyJet’s booking process, will mean customers diagnosed with COVID-19 ahead of a trip are covered for any necessary refunds or rearrangements, as well as being covered for any required medical care if diagnosed with the virus whilst abroad. In the event customers are unable to return home due to being diagnosed with COVID, the policy will also cover them for additional accommodation as well as the cost of returning them home safely.

Today’s announcement is the latest initiative from Collinson, which has launched a long line of new products and propositions designed to get the world travelling safely again in the wake of the pandemic. By providing insurance which travellers know will cover them for COVID as well as other illnesses abroad, the new product from Collinson and easyJet will help reignite consumer confidence in travel, giving much-needed reassurance that future bookings are protected from COVID when travelling.

“We know Brits are chomping at the bit to get out and see the world again when they can,” said Greg Lawson, Head of Travel Insurance at Collinson. “However, some passengers are understandably wary of what will happen to them or their bookings if they catch COVID just before or during their trip. We want to give people peace of mind to encourage them to plan those holidays they’ve been dreaming of for over a year now. When the Government gives the green light to travel again, choosing to fly with an airline – like easyJet – that provides extra COVID-19 insurance is a great option.”

Within the partnership, Collinson will underwrite and service the full range of dynamic and tailored products. These products are filtered to be relevant to the booking profile with business travel routes, for instance, being offered a gadget insurance upgrade while a ski resort destination would be offered a Winter Sport upgrade.

“We are pleased to partner with Collinson Insurance and develop a new travel insurance product for customers which offers COVID-19 travel insurance as standard,” said Sophie Dekkers, easyJet’s UK Chief Commercial Officer.

“The need for travel insurance is greater than ever before, so we know it will help bolster consumer confidence to book and travel, giving holidaymakers a much-needed reassurance for future bookings and possible COVID-19 related disruptions. We have also launched our enhanced Protection Promise meaning our customers can book with greater confidence knowing that if they are unable to travel, or their plans change, so can their flights. 

“As we are looking forward to ramping up our flying programme as soon as it is safe to do so, we can now give our customers added peace of mind that they can book their much-needed holidays knowing they are fully protected should they test positive before they travel, while on holiday or if they have to cancel their trip altogether.”

The Instrumental Role Of Telemedicine During And After The Pandemic

In this exclusive iPMI Magazine article, Damian Lenihan, Executive Director for Europe at Aetna International, talks about how telemedicine is positively impacting access to high quality healthcare, during a global pandemic.

With record numbers of employees working from home and facing new and evolving health pressures, employers have also begun to embrace telemedicine as a way to roll out effective health and well-being strategies.

Telemedicine is easing the burden of new employee health pressures

A survey we conducted with 4,000 global office workers last September shows just how much workers’ mental health has been impacted by the pandemic. From worrying about juggling work and home-schooling, to concerns over being furloughed (not to mention fears over contracting the virus or caring for those who have), lockdown truly tested our emotional resilience.

With social restrictions limiting access to sports facilities, as well as eliminating the commute, most employees have also been moving and exercising less. Add to this the fact that most hospitals and health care centres have been overwhelmed with Covid-19, and businesses are facing a perfect storm: their employees’ health is under more pressure than ever before, but regular health tests and screenings, and even treatment appointments, have largely been postponed unless crucial.

That is why employer-provided access to virtual consultations and health and well-being support during this time has been so important. It has helped to address a clear gap, giving people the much needed opportunity to speak to their GP or other health care professionals, all from the comfort and safety of their own home.

Virtual health for a new type of workplace

As hybrid and flexible working models become a more permanent fixture of working life, employers need to be mindful of the impact this could have on employee experiences and expectations. Our ongoing research into the views of global employees and HR Directors indicates that 3 in 5 UK HR decision makers recognise that expectations around employer-provided health support have changed dramatically since the beginning of the pandemic. For instance, employees say they now want access to more digital health solutions.

Although not completely new, the provision of health benefits through virtual means has accelerated and employee usage is increasing as well. At Aetna International, for example, we saw a 180% increase in global utilisation of vHealth, our virtual telemedicine service, between April 2019 and April 2020, with some regions more than doubling their usage during this time. More generally, the use of virtual health platforms has increased by 200-300% across the globe, showing the increasing demand for such services.

As many firms announce the implementation of hybrid working models, providing health support for teams through digital means, underpinned by a clear internal communications strategy, will be key to ensuring employees can take care of their health and well-being – no matter where they are. 

Employee appetite for digital health solutions in the workplace

The role technology has played in keeping the world connected over the last year has shown just how easy it is to take care of everyday tasks virtually, whether conducting meetings via Zoom or participating in virtual events.  

Previous research we conducted found that 69% of global workers think access to physical health services through their phone would help them better manage their physical health, whilst over three quarters said the same about convenient access to exercise or health appointment options online. It’s clear that even though our lives have been dominated by technology during the past year, employees view health and well-being services through technology as a positive and are keen to see more of it.

Harnessing digital solutions, including telemedicine, will allow employers to more easily cater to the hybrid workforce, as well as help them tackle the long-lasting mental and physical effects caused by the pandemic. In addition, anonymised employee health data could help companies to adapt their digital health benefits and make them more personalised. In fact, our research found that 80% of people would willingly share their anonymised health data if it would help to improve their health and well-being benefits at work. Of course, employees must also feel reassured that their data is secure and won’t be used for purposes outside their consent.

Building the future of virtual solutions and telemedicine

Although telemedicine has been available for some time, the pandemic has helped to establish it as a practical and convenient health care solution. The increased use of telemedicine has changed the way people think about access to health care, and people are now more likely to expect easy digital access to general health information, e-prescriptions in some cases, as well as convenient appointments and quick advice about condition management, for example.

The benefits of telemedicine go beyond this though, and as its role in our everyday lives increases, so will awareness of the benefits it can bring. For instance, dealing with health issues can be stressful and scary, but services such as Aetna International’s vHealth give patients the opportunity to store and access all health documents in one place, making communications between the patient and health care professionals more streamlined and connected. What’s more, employers with workers based in various locations needn’t worry about a service only benefitting some employees, as many services are offered around the world, and in multiple languages.

Telemedicine will never be able to fully replace traditional health systems (and nor should it) but it will certainly be an essential part of them; increasing their scope and easing the burden on currently overtaxed systems. As we move into the next normal, I’m confident that digital health solutions are here to stay, and will only become more embedded in day-to-day life. Employers will need to ensure these are part and parcel of their health and well-being strategies, to help their employees achieve the best possible health outcomes.


APRIL And Malakoff Humanis Finalize Their Strategic Partnership Agreement With The Sale Of Axéria Prévoyance

The APRIL and Malakoff Humanis groups announce that they have finalized the transfer of Axéria Prévoyance, a risk bearing company specializing in health insurance, provident insurance and borrowing. 

This sale marks the strengthening of the strategic partnership between APRIL and Malakoff Humanis.

The conclusion of the final agreements between the APRIL and Malakoff Humanis groups follows the completion of the information and consultation procedures applicable in social matters and the obtaining of authorizations from the ACPR and the Competition Authority, in accordance with on schedule.

This sale is accompanied by a distribution partnership concluded between APRIL and Malakoff Humanis. The objective of this agreement is to strengthen commercial relations between the two groups in order to promote their respective developments and increase the service provided to customers.

Leader in wholesale insurance brokerage in France, the APRIL group has now finalized its refocusing on its distribution activities and reaffirms its strong ambitions for growth, in particular in loan insurance, health and personal, professional and micro-life insurance. The historic strengthened strategic partnership with Malakoff Humanis enables APRIL to accelerate its development in these core markets, at the service of its broker partners and its insured clients.

This acquisition and this structuring partnership will allow Malakoff Humanis to pursue its development in the individual health and provident insurance market and in the loan insurance market. Through this operation, the Group will also increase its presence with very small businesses and TNS. This new project with APRIL, leader in wholesale insurance brokerage in France, also illustrates Malakoff Humanis' desire to strengthen its presence on this channel.

 “For several years now, we have had close relations with Malakoff Humanis, who is now one of our main insurance partners. We share their ambitions for development in the life and health insurance markets and we are delighted with the prospects that we are opening together today with a strengthened partnership for the benefit of our partner brokers and our clients ”, explains Eric Maumy, Managing Director. of the APRIL group.

“This operation, with a long-standing partner of the Group, illustrates our development strategy on the individual market and our desire to support VSEs and TNSs with effective and sustainable social protection,” said Thomas Saunier, CEO of Malakoff Humanis.


MetLife Foundation Provides Financial Support to Help India and Bangladesh Fight COVID-19 Spread

MetLife Foundation has announced that it is donating USD1.5 million to fund targeted support in India and Bangladesh as both countries struggle to cope with the devastating wave of COVID-19 cases.

The Foundation will channel funds through its partners, including:

  • Habitat for Humanity (India) – to deploy additional beds, equipment, and set-up costs for COVID-19 emergency facilities in Delhi, Maharashtra, Karnataka, and Uttar Pradesh
  • Healing Fields Foundation (India) – to provide tele-consultation, food supplies, medicines, and other home-isolation and management support across 300 villages in some of the most vulnerable states and districts in India
  • Sajida Foundation (Bangladesh) – to support low-income families, predominantly in the capital city of Dhaka, with access to healthcare and other basic needs

Kishore Ponnavolu, President, Asia for MetLife, said: “We have all watched in grief as India and Bangladesh have been engulfed by this wave of infections and deaths. We pray that MetLife Foundation’s donations will help to alleviate some of the strain on healthcare services and bring hope to those who need it most.”

In addition to MetLife Foundation’s USD1.5 million donation, MetLife employees will be able to donate to relief efforts in India, Bangladesh and countries in Latin America facing severe spread of COVID-19 and have their contributions matched by the Foundation.

Ashish Kumar Srivastava, Managing Director & CEO, PNB MetLife, said: “The pandemic is an unprecedented crisis and India has been severely impacted by this latest wave of COVID-19. There is an immediate requirement to support medical infrastructure for those affected and we at PNB MetLife thank MetLife Foundation for supporting India during these testing times with aid across key impacted regions. We are humbled by MetLife standing by us, our society and our nation.”

Ala Ahmad, CEO of MetLife Bangladesh, noted: “We are very proud of the efforts of MetLife Foundation in mitigating the impacts of the ongoing COVID-19 situation in Bangladesh. We stand with our fellow citizens at this time of need and will do our very best to give necessary assistance to the health and wellbeing needs of the people affected by this pandemic.”

More information can be found at

Metrojet And Medaire Celebrate Enhanced Partnership With Implementation Of Medaire's Operational Security Solution

Metrojet, a Hong Kong-based, global business jet operator, has announced it has added MedAire’s operational security solution to its fleet, which is already covered by MedAire’s in-flight and on the ground medical assistance service.

This addition ensures best-in-class safety and risk management services for Metrojet’s crew and passengers.

Dedicated to safety, security, and quality service, Metrojet selected MedAire to provide aviation travel security information, analysis and assessment as well as 24/7 global assistance as part of a comprehensive health and security solution.

The agreement sees MedAire providing Metrojet with in-depth real-time travel security reporting including destinations, regions, airspace, and airports, all professionally vetted and analysed by aviation experts. In addition to digitally delivered content, the aviation security team are available around the clock for advice and activation of assistance services, responding to security risks, events and threats as needed.

Gary Dolski, CEO, Metrojet, says, “Safety is key to our organisation. Our client’s peace of mind is essential. MedAire’s integrated security solution of information and analysis complements the travel health component they already provide to our crew and passengers. Together this cements our commitment to safety, security, and quality service.”

Key differentiators for MedAire are its leading assistance capabilities, technology innovation and strong global footprint, which includes the expertise of 2,300 security personnel located throughout the world, wherever clients need to travel. MedAire is the aviation arm of International SOS, the world’s largest assistance company, and has more than 30 years’ experience as a leading travel safety provider for business aviation.

MedAire CEO, Bill Dolny, commented, “We are excited about the opportunity to further our longstanding relationship with Metrojet and their commitment to safety excellence. The pandemic has changed the landscape we operate within, but security will continue to be a top priority for operators around the world. We are proud to support Metrojet with both our security and medical assistance solutions.”

The operational security solution is underpinned by MedAire’s Aviation Security Response Centre and complemented by local offices. In Asia this includes a Regional Security Centre in Singapore, as well as Security Managers in Beijing, Hong Kong, Shanghai, Seoul and Tokyo.

Established in 1997, Metrojet, as part of the Kadoorie Group, pioneered business aviation services in Hong Kong and remains one of the foremost safety and customer-focussed business jet operators and maintenance providers in the Asia Pacific region. The company provides all-inclusive aircraft management, maintenance, and aviation consultancy services to our growing business aviation customer base.

Healix Rolls Out Major Upgrade To COVID Travel Safe

Combining cutting edge technology with best in class medical and risk intelligence to enable business travel in the midst of the global pandemic

While the debate continues around the role of vaccine passports as a means to open up international travel, there has been a clear drive for business to get moving again. But for many organisations the big issue is how to do this while simultaneously prioritising employee health and navigating complex and changing international travel restrictions.

Since its launch in June 2020, COVID Travel Safe has provided hassle-free risk assessments of the medical and logistical risks of individual employee travel plans, enabling organisations to resume critical business travel within the pandemic.

Developed by our industry leading medical and risk management experts, the platform experience begins with the user filling out a personal profile that answers a number of questions about their intended trip alongside a Covid-19 specific medical questionnaire.

Based on the traveller’s unique profile and itinerary, the tool calculates a comprehensive “Risk Score” for each trip and delivers an instant, downloadable assessment of what risks the traveller may face.

To ensure that the platform is up-to-date and representative of the pandemic’s evolution, following a scheduled review, we are delighted to roll out the first major COVID Travel Safe upgrade which sees an update to our methodology and risk categories.

While COVID Travel Safe already measures a range of sub-risk factors including pandemic trend and Covid-19 testing access, alongside practical concerns such as travel bans and curfews, it now accounts for a traveller’s vaccination status.

Also included in the COVID Travel Safe upgrade:

  • Personal Medical Risk: We have introduced an ‘Adjusted Risk’ rating, which will be assigned to those who have completed a full course of a Covid-19 vaccine. This rating is issued alongside the ‘Pre-Existing Medical Risk’, rather than replacing it, due to insufficient data on the longer term efficacy of vaccination.
  • Country Pandemic Risk: This section now comprises six sub-risk categories, introducing ‘Testing’ (on the basis of test positivity rates), ‘Infection Rate’ and ‘Control Measures’. In this upgrade we have also included cases and deaths over the previous 7 days and the country’s progress in mass vaccination programmes.
  • Country Logistical Risk: As governments have implemented, tested and adapted a range of policies to manage the spread of the virus, certain mechanisms have become more established as normative practice, and are introduced to varying degrees in most locations. We have split these into ‘Inbound Travel Logistics’ and ‘Local Logistics’ with high level descriptors. More nuanced information is included in the Snapshot paragraphs and an enhanced section for ‘Detailed Travel Regulations’. ‘Inbound Travel Logistics’ ratings are now supported with information from the market-leading IATA data feed.

Find out more, click here.

Bupa Announces Appointment Of James Lenton As Group CFO

Bupa has announced that James Lenton will become Bupa’s new Group Chief Financial Officer, subject to regulatory approval.

In his previous role, James was CFO of Hammerson plc, a FTSE 250 owner and manager of properties with a European portfolio. James will join Bupa later this year, and Martin Potkins will continue as Interim CFO until then.

Prior to Hammerson, James was both CFO, and a board member of AIG’s European Group, a position he held for four years, delivering new profitability and financing strategies. Earlier in his career he was a Partner at EY providing a range of assurance and advisory services including M&A, financing and external audit. His clients included FTSE 100 companies and financial services groups.

Iñaki Ereño, Group CEO, Bupa said, “I’m very pleased to welcome James to Bupa later in 2021. He brings a diverse range of experiences to the role, including an excellent track record of managing complex organisations through periods of transformation.”

James said, “I’m delighted to be joining Bupa at this exciting time in its journey, and I look forward to supporting Iñaki to position the organisation for continued success in the future.”

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