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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.

Website URL: http://ipmimagazine.com

BLACK FRIDAY: Save Up To 33% When You Purchase International Health Insurance (IPMI) 2021 Report

With Black Friday almost upon us, iPMI Magazine announces a sale price on the current iPMI Market research report, International Health Insurance 2021.

There are now 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 of these are targets for iPMI.

If you are an iPMI Magazine Subscriber you may now access the complete report, with a 20% subsidy on the RRP. So, £3600 becomes just £2,880.*

If you are an iPMI Magazine Advertiser you may now access the complete report, with a 33% subsidy on the RRP. So, £3600 becomes just £2,412.*

Learn more about this report click here.

Order your own copy of International Health Insurance (IPMI) 2021, or ask questions, write to ipmi[at]ipmimagazine.com

*Offer ends 1/12/2021. This offer is only available when you purchase the report directly through iPMI Magazine. The report is still selling at full RRP on Research and Markets.

The Top 5 Threats To Businesses In The Next Year, According To Healix’s 2022 Risk Outlook Report

Healix, the leading global independent health, travel, and security related risk management solutions provider, has launched its annual Risk Outlook report, identifying the five major risks to businesses around the world over the next 12 months.

Economic uncertainty and unrest

With domestic measures gradually easing and the return of international travel gathering pace, the shoots of a global economic recovery have begun to emerge. This recovery is not equal, however, and a gap is widening between advanced and developing economies, owing primarily to vaccine inequity and a lack of financial support. Growth rates in poorer countries are behind their Western counterparts, influenced by a lack of testing, inadequate medical capacity and disproportionate death rates. This is creating even more economic disparity.

Anger at responses to the COVID-19 pandemic has added fuel to the fire during unrest in Tunisia, Colombia, Lebanon and South Africa. Knock-on effects such as poverty, unemployment and the removal of subsidies are all potential drivers for unrest which governments are facing in 2022, not least in emerging markets.   

Supply chain constraints

Following a dramatic fall during the pandemic, consumer demand is rising, which suppliers and retailers are struggling to meet. Bottlenecks are occurring within supply chains globally, owing to a wide range of factors including a lack of labour to backlogs at ports.

The political fallout of this is significant, with businesses scrambling to fill vacant positions while markets remain sceptical about long-term security, owing to the impact further COVID restrictions could have on the labour market. There are no quick fixes for the issues driving the supply chain backlogs and it is likely that businesses and consumers will continue to feel the impact of this well into 2022.

The rise of ransomware

Last year, hostile actors exploited the opportunities that remote working provided to infiltrate networks. With a huge increase in devices working outside of companies’ perimeter networks, potential avenues of infiltration include phishing attacks and vulnerabilities with remote desktop protocols.

Notwithstanding the immediate disruption a ransomware attack can cause, the long-term impact is significant. Reputational risks are heightened, especially if the news of a ransomware attack becomes public or involves customer data. As criminals continue to create more advanced tools to expose and exploit network vulnerabilities, cyber-attacks remain high on the risk agenda for 2022.

The next pandemic

Before COVID-19, many of the pandemic planning exercises focused on an influenza-like respiratory virus. Two years after the onset of COVID-19, epidemiologists continue to warn of the threat of an influenza epidemic. The pandemic has not eliminated the threat, but sharpened the focus on how to avoid it.

There are currently 26 virus families in existence that are now seen as viable threats to the way we live. Thus, surveillance systems around the world will need to be aware of these potential threats to the world order throughout the next 12 months.

A climate in crisis

Extreme weather is a frequently neglected factor in risk analysis, particularly for developed countries, but the frequency and intensity of such events is only set to increase over the coming decades due to the escalating impacts of climate change.

The gravity of this risk has been reinforced by multiple divergent events throughout 2021, including devastating flash flooding in the Eifel region, which killed more than 200 people, and severe heat waves hitting North West America in June, which caused hundreds of excess deaths, mass disruption and sparked wildfires.

The increasing regularity of such events will pose significant challenges over the coming years and businesses must be prepared to address them.

Chris Job, Director of Risk Management Services at Healix, comments, “This year, there has been an increase in global travel, particularly for businesses, as face-to-face interactions become preferable following months of virtual meetings. This increase will see familiar risks and challenges re-emerge for organisations in terms of ensuring the health, safety and security of their people and assets, which for the last 18 months have slipped down the agenda. 

“As we continue the return to normal, businesses will need to provide more reassurance to their employees and instil confidence that they have the necessary plans and resilience programmes in place to protect their people, assets and operations. Healix’s Risk Outlook report aims to provide businesses with insights into the key risks that could adversely affect them, and in doing so, help them to prepare their business and mitigate consequences where possible.”

You can download the full report here.

Charles Taylor To Focus On International Insurance Fraud With BBC

Charles Taylor Specialist Investigation Services, the multi-sector fraud specialists, are to feature again in BBC One’s Claimed and Shamed series: the programme that casts a covert eye over the ever-growing problem of insurance fraud.

Adam Grady, Investigations Manager at Charles Taylor, will focus on international fraud in the new series, talking viewers through a range of fraudulent overseas claims and the tools used by Charles Taylor to expose them. These include a network of global investigators and intelligence-led techniques such as open source and social media profiling. The series is expected to attract up to a million viewers.

Simon Cook, Charles Taylor’s Head of Specialist Investigation Services, comments, “We’re delighted to have participated in multiple series of BBC One’s Claimed and Shamed because we recognise the value of constantly striving to deter would-be fraudsters and protecting insurers’ bottom lines.

“Our global claims validation capabilities cover every sector of insurance, from household to private health, marine to motor, travel to trade credit and beyond. We’re supported by offices in 30 different countries and by technical specialists in every field. We have also recently launched an award-winning open source and social media investigation tool, Discovery, to optimise our intelligence-led approach.”

You can watch Adam Grady in Claimed and Shamed at 10am on BBC One: November 25thth, and 29th and December 1st - or catch up on BBCiPlayer.

For more about Charles Taylor Specialist Investigation Services, see https://bit.ly/3oIQrqz

 

The Death Of The Credit Standard In IPMI & Travel Insurance

Written by Scott J Rosen, Founder and CEO, MDabroad.

The pandemic has impacted the travel and IPMI policy service industry in many fundamental and some unexpected ways. As the near cessation of cross-border travel caused a sharp drop in revenue followed by drastic cost reduction measures, the specter of a prolonged depression in our industry has forced us to look introspectively to examine the efficiency (or inefficiencies) of our organizations and to challenge the prevailing models of how we do business.  We are now forced to rethink the long-held paradigms, business models, practices and workflows that have existed virtually unadulterated for decades, such as the unsecured payment guarantee that has been the tool for payers to access credit.

The economic crisis of our industry exposed the dysfunctional claims payment cycle with a series of defaults of healthcare payers concerning their obligations to providers and correspondents. We have seen thinly capitalized businesses fail and others simply not honor obligations, resulting in a cascade effect across the entire value chain, specifically impacting medical service providers. The “GOP” (or Guarantee of Payment) and its several iterations[1] were defaulted upon as insurers and their representatives were unwilling to pay bills, using the pandemic as a pretext to avoid payment for services rendered in good faith by medical providers. This has created a “never-again” moment for many medical providers and correspondents, whom have now made institutional decisions to heavily restrict credit to mitigate the risk of doing cross-border business with limited recourse.

As the travel market wakes up, the international insurance sector anticipates a revival in demand for travel medical cover that will be met with service capacity shortages and above all, distrust by the many medical providers who lost faith in a payment system that for years neglected to pay them in a timely manner and eventually left them with unpaid claims under the guise of the pandemic. Many providers are forced to continue working with the segment to recoup or dilute away their losses by securing future business, yet they are challenged by old credit system that has failed us all in the past.

In my view, the prolonged Covid crisis will result in the slow death of provider credit for small claims and hardening of credit criterion by hospital providers. Today, the industry is seeing hospital groups take measures to more carefully underwrite international risk, such as demanding audited financial statements and deposits, which should probably have been the case even prior to the pandemic. The death of credit, or the credit standard, as we can call it, impacts the ability of assistance companies to service policies and challenges the ability of indemnity payers to execute contractual obligations, which means a new standard shall be introduced: payment at time of service, instant settlement, or a cash standard.

The Credit Standard

As an industry, we have strived for decades to build global, all-encompassing networks that allow for direct cashless access for our members. Whether the provider relationships are direct or are accessed through the circuitous route of correspondents or intermediaries, the underlying tenet of the network relationship is predicated on the desire to obtain credit with our providers. Credit is offered across and between various entities and perpetuates a network effect where offered, ensuring the greater use of providers that extend credit to foreign insurers and reliably service members. While the network model is generally “good enough”, the functionality of it certainly lacks sustainability or optimal efficiency due to the mere fact that it runs on credit, a concept that in and of itself is an inefficient manner of settlement, fraught with uncertainty for providers and carrying many hidden costs and risks for all. While the credit standard is something the industry has sought out for the sake of delivering on the cashless access promise, it is not the answer to reducing administrative expenses, medical loss, and may not even provide for the best member experience as we thought in the past.

The Credit Premium

Working on the basis of credit comes at a premium. What is the incentive for a service provider to accept any transaction on the basis of credit when a far superior alternative is cash settlement at the time of service? For providers and vendors, credit implies the cost of credit risk, cumbersome invoicing, collection and recovery efforts, transaction fees and time. To work under the credit standard creates a layer of cost that necessitates charging a premium over the preferred method receiving payment: payment at the time of service. There is no doubt that medical expenses are loaded with a credit premium; if one would argue against that, I would pose the question to any provider: would you charge less to be paid right here, right now? The answer would be a resounding “yes”. By accomplishing instant payment to providers this in our international healthcare transactions, we have the ability to do away with the credit premium, thereby reducing medical expenses and improving loss ratios. While this premium may vary by location, jurisdiction, and even on a provider-by-provider basis, our experience has demonstrated a consistent savings when working on the cash standard (i.e. paying on the spot). Ask any negotiation department of an insurer or third-party administrator (TPA) what their historical average discount achieved for prompt payment is and we would have some idea of the price we pay for that credit premium. It is safe to say the credit paradigm costs us money and we have no choice but to migrate from a credit standard to a cash standard for us (payers and provider) to cost contain in the most pure and honest sense.

The Cash Standard

Imagine a process by which a member requests care, a contact center intelligently directs a member to a provider, the provider receives a cash-secured guarantee, and, upon sending in a standard claims form through an online application, instant payment for that service is sent directly to the provider’s account. Case settled and closed… at the cash rate. No credit premium applied.

The departure from the credit standard and the imminent adoption of the cash standard in accessing services and paying invoices poses an opportunity to introduce smart technologies for case coordination, claims adjudication and the settlement of invoices. The decades-old credit model – consisting of unsecured GOPs, VOBs, LOGs and other head-spinning IOU instruments – involve an endless revenue cycle involving billing agents, manual invoicing, requests for medical records, denials, appeals, patient balance billing, collection agencies and many touch points that typically result in dissatisfaction for members and network providers. By abandoning the credit model, we uncomplicate life and reduce the cost of doing business. The new model, using a smart contract and instant settlement results in less friction. Migrating to a cash standard, will help us achieve the experience we ultimately seek out for members, network providers and our internal stakeholder, the company.

Our customers and our network providers demand change to more sophisticated means of accessing service and settling claims. At the same time, diminished industry margins demand that we evolve to a more savvy and tech-oriented method of operation. In order for cashless access continue, the industry must evolve from the credit standard to a cash standard, utilizing smart contracts. We must replace the risky IOU (i.e. GOPs, VOBs, GOPs) with cash-secured smart contracts backed by a real guarantee to create an sustainable that perpetuates value for all parties (insurers, providers, members).

MD Group is committed to working with our industry partners to developing and improving our industry. We welcome feedback on the topic and really to look to hear our colleagues’ thoughts and opinions and as we evolve towards the new reality. To learn more about MDabroad, click here, to visit their website.

[1] GOP: guarantee of payment

LOG: letter of guarantee

VOB: verification of benefits

DIOT-LSN And SIACI SAINT HONORE Finalize Their Merger And Create A Leading Independent European Insurance Broker

The merger between the DIOT-LSN and SIACI SAINT HONORE groups has been given the green light from the European Union and the regulators and authorities in the various countries where the new Group will be operating.

The birth of the leading independent European insurance broker operating worldwide took place on November 16, 2021. The new group will generate turnover of almost €700 million, with 5,000 employees in 42 countries.

The transaction signed on July 2 between the BURRUS GROUP, headed by Christian Burrus, and SIACI SAINT HONORE, chaired by Pierre Donnersberg, was completed on November 16, paving the way for the creation of a new European leader in insurance brokerage, reinsurance and risk management consulting.

The Burrus Group and the management of the new entity will hold the majority of the capital and voting rights, thus guaranteeing its independence. Alongside them, the presence of leading investors, led by the Canadian pension fund Ontario Teachers' Pension Plan with a 30% stake, Bpifrance with 10%, Cathay Capital with 5% and Mubadala and Ardian, already shareholder in the SIACI SAINT HONORE Group, confirms the international ambitions of the new Group.

Pierre Donnersberg will be Chairman of the new "DIOT-SIACI" group and Christian Burrus will become Vice-Chairman and Managing Director within an Executive Committee of directors from both entities.

By becoming one of the world's top 10 players in large corporate risks, the new group is positioning itself as a key player in this market alongside the global brokers from across the Atlantic. In France, thanks to its national network, it is strengthening its position in the Large Companies, Mid-cap and SME-SMI market in personal insurance, international mobility, property and liability, marine and transport, and credit insurance and reinsurance.

Pierre Donnersberg said: "We are delighted to be able to finalize our corporate venture which now positions us as the French leader in our sector with a clear international strategy. We will seize new growth opportunities and make the most of all our synergies to better serve our clients all around the world”.

Christian Burrus emphasized: "We share an ambition and values that place people and jobs at the heart of this project. We are committed to our independence, guaranteed by a strong family shareholding which safeguards the interests of our employees, our clients and our investors”.

Expatriate Group Adds Free Upgrades To Corporate iPMI Plans For All New And Existing Policyholders

Expatriate Group commit to upgrade their corporate iPMI policies for all new, and existing policyholders, for free, from New Year’s Day 2022.

They will restructure their group iPMI policy cover following conversations with their corporate and broker partners.
Their feedback clarified the requirement for policies that better suited the needs of businesses seeking to meet the challenges of greater corporate responsibility to their staff and their work environments – both physically and mentally.

From 1st January 2022 all group policies will include, as standard: an Employee Assistance Programme; Business Travel insurance; and Income Replacement cover, integrated into all international healthcare policies.

“From the feedback, it was clear that HR managers want simpler and more cost-effective solutions for managing employee protection” said Amanda Giscos, Head of Business Development.

She also added “COVID-19 often led HR managers to remain with existing providers, even if there were better products on the market, to give employees the feeling of an element of security through consistency. However, with the world easing back to work, the ability to attract and retain staff is vital. Businesses who put employee wellbeing at the heart of their culture and support the transition to the new normal, and beyond, will thrive”.

“We have now reinvented our corporate policies to better meet these needs in a simple, single HR solution” said Lee Gerry, Expatriate Group Director.

“Now, if an employee is travelling on business, they’re covered; if they need immediate access to counselling, they’re covered; if they can no longer work because of their health, they’re covered. These benefits are now core to our comprehensive group iPMI policies.

“What’s more,” Gerry said “following strong underwriting results in 2019 and 2020, the improvement in benefits hasn’t resulted in any change in premium”.

“International HR managers are seeking more from their partners” Gerry continued, “Enabling employee services and risk management to be centralised under a single contract, will streamline administration, and make both time and cost savings.

There’s also the added benefit of claims being handled under the same online platform, which’ll make life easier for the employee too!”

Expatriate Group’s new corporate iPMI policies will be available from 1st January 2022. Existing customers will have the new benefits automatically added to their group policy at renewal.

AXA Partners Introduces AugmentedExperience.Travel

The world experienced one of the most significant health crises due to the global COVID-19 pandemic: overflowing hospital capacities, locking down people at home, and the shutting down of economic activities.

With the world reopening, together with customers’ new behaviours and expectations, the need for adequate protection is now at the top of travellers’ concerns, as they look for personalised and innovative solutions while relying on key actors to redefine the travel insurance industry.

A major crisis calls for major changes. That is why AXA Partners introduces AugmentedExperience.Travel based on 5 pillars that are transforming its range of travel products, thereby increasing accessibility, flexibility and suitability while adapting to a new paradigm:

  • AXA Partners’ “Digital Gateway” serves as a unique entry point for easy access to a safe and smooth travel experience

In order to follow these emerging trends, while responding to the increased need for a flexible, quick and smooth customer journey related to its insurance policy, AXA Partners has launched a Digital Gateway. It utilises customers’ existing native wallet, which allows customers to access and activate AugmentedExperience.Travel coverage and benefits in a few clicks, therefore leading to more clarity, transparency and availability.

  • “Essential Protection” is reinforced with pandemic-related illnesses covered as any other illness within our contracts

Today’s travellers want to be prepared for the unexpected. In this context, AXA Partners’ coverage is designed to restore confidence in travelling by covering today’s additional risks, such as denied boarding, quarantine periods, missed departures or being stranded abroad, with both medical and non-medical assistance included, if a customer contracts COVID-19.

  • “Modular cover” with Personalised Travel Protection

Travel behaviours have been changing and will further evolve. According to Inmarsat’s Passenger Confidence Tracker1 , 84% of respondents believe their travel habits are likely to change post pandemic. This led AXA Partners to provide new coverage to address these emerging trends, with personalised packages for domestic and staycation trips, now including vacation rental protection and car replacement guarantee where possible, and workcation or “Bleisure” trips (Business + Leisure) with available business equipment coverage.

  • “Peace of mind services” to make travel easier and safer

To ensure Security and Protection, AXA Partners has designed AugmentedExperience.Travel policies that commit to key safety benefits, such as a 24/7 Safety Hotline reachable in less than 30 seconds to help and accompany customers for any medical issues, from digital medical teleconsultation in multiple languages, COVID Logistics Assistance and PCR labs locator, down to acute medical assistance with the safety net of evacuation.

  • Fighting against and adapting to climate change” with the ambition of becoming a “Net-Zero” emissions company

This unprecedented COVID crisis is driving a new trend towards an increased desire by customers to participate actively towards the reduction of their environmental footprint, due to the massively widespread awareness of the impacts of climate change. At AXA Partners, we are committed to reducing our carbon footprint by 23% by 2025, in line with AXA Group’s targets. We also contribute to fighting climate change through our operations, with 100% of the electricity used in AXA Partners facilities coming from renewable resources2 , which helped us reduce our CO2 emissions by almost 80% from 2012 to 2020. We are actively working on designing travel solutions that are more environmentally responsible, while also aiming to reward trips that are CO2 frugal.

AXA Partners' goal is to deliver travellers - wherever they are in the world - with the most useful and transparent support and services.

“COVID has thoroughly impacted the travel sector, with deep changes in people’s stay habits and increased interest for seamless, safe and sustainable travel protection solutions when travelling. We have been engaging with our clients and partners in a co-creation mode to address their needs in this new context. I am convinced that our new innovative value proposition will bring the Augmented Experience that is expected today”, said Paul Antoine Cristofari - Global Head of Markets at AXA Partners.

“Reimagining and redesigning efficient protection solutions that correspond to our end customers’ evolving needs has always been in our DNA at AXA Partners. The COVID era has highlighted these increased needs for simplicity, reactivity and transparency, which will continue into the post-COVID era as well, and we wanted to proactively address this. We are proud of having co-built with our partners a simplified access to all of our Travel Protection solutions through a seamless experience, adapted to customers’ new behaviours, as their changing habits requested”, said Xavier Blanchard, AXA Partners Travel Insurance CEO and Global head of Travel at AXA Partners.

1 September 2021 Inmarsat is the world leader in global mobile satellite communications.

2 According to data from AXA Group’s Environmental Reporting, which includes all AXA Partners sites above 50 FTEs Source: https://www.axapartners.com/en/solution/travel

 

Industry Leaders Launch New iPMI Consultancy

Axelevate offers a unique business model in the insurance market in Latin America and the Caribbean that can be adapted to all businesses globally.

A group of experienced professionals joined to create Axelevate, a consulting firm that’s unique to the specific strength of each of its members. Axelevate encompasses excellence in the area of consulting expertise to provide professional advice in the corporate industry to provide professional advice to their clients in insurance.

The executive group has over a century of combined knowledge in managing insurance companies and as well as insurance brokers in the international health and life insurance market.

“Axelevate offers possibilities to develop new innovative products and strategies to intermediaries, brokers and insurance companies in the Caribbean and Central and South American Market” says Per Bay Jørgensen.

With a unique business model knowledge and skillset in the insurance industry within the global insurance sector, that can easily be adapted to any business at any size.

Axelevate reviews every segment of their client’s business, from technology to brand recognition, from marketing campaigns to administrative processes as well as cost containment and provides comprehensive analysis, advising, designing, implementing and restructuring benefit plans.

They apply their vast market knowledge from product trends, competitive review gatheredfrom product trends, creating benefits substantiality and design as well as adapting new benefits and products to offer the best competitive value for the client.

The inclusive review is custom made and its unique to each individual client determining current trends to achieve ultimate effectiveness to maximise efficiencies and minimize costs.

All methods are set up for new and existing companies in accordance and to employee and industry expectations to guarantee success and provide the ultimate customer and employee care experience.

The Axelevate Research Method ARM is an inclusive review of all processes to determine the current approaches effectiveness and benefit suitability. This encompasses different country patterns, adaptability and profitability. An inclusive review of all processes is prepared to determine the current approaches' effectiveness in order to maximize efficiency and minimize costs.

The consulting service also includes the review of the current technology and platform utilized to determine the management efficiency, benefit implementation, employee engagement, and information distribution and maximize the use of the resources in key area that will provide successful processes.

“We provide professional advice, guidance, employee and corporate wellbeing, cost containment and actionable solutions to businesses and companies. We pride ourselves in having a proven trajectory in the design and distribution of international insurance products for the High Network Individual (HNW), Ultra-high-net-worth individuals (UHNW), and Emerging high net worth (EHNW) individuals and companies” says Lourdes Peters Axelevate partner.

Axelevate provides their clients with guidelines, recommendations and network providers to improve the underwriting and claims processes and, in accordance with the market standards that includes travel trends as well as in or out of country behaviour and
utilization.

They have specialists that create brand awareness within a company with a marketing campaign to launch and implement a product effectively. Advising on all channels of communication through ecommerce and digital platforms in specific markets, demographics and languages. As well as webpage and image design, sales campaigns and incentives to manage benefits.

Their comprehensive analysis provides clients with a detailed report of current products being offered in each specific line of business to support the best product selection. This information allows companies to review pricing, benefits, incentives, product specifics, technological tools, and contract conditions that will enable clients to make well informed financial decisions while focusing on their employee’s wellbeing.

For more detailed information about Axelevate, visit https://www.axelevate.com

 

GBG Appoints Jeff Herman as Managing Director of the North America Region

Global Benefits Group is pleased to announce the appointment of Jeff Herman as Managing Director of the North America Region effective November 8. Jeff will be responsible for overseeing the international health, life, disability and travel business for our corporate division and student business.

Jeff is a well-known industry veteran with leadership experience from some of the top global accident and health insurance companies.

Jeff led the startup of Liberty Mutual’s Global Accident & Health operations. Earlier in his career he spent 23 years at AIG holding various leadership positions including the Head of Global Accident & Health, Chief Underwriting Officer and Vice President, AIG Property and Casualty. His experience crosses both international and domestic Accident, Health, and Travel markets.

Prior to joining GBG, Jeff was with Willis Towers Watson/Corral Insurance Services, where he served as Founder and CEO of an insurtech start-up focused on products for micro-SMEs and trade associations.

Jeff will report directly to Chris DiSipio, Chief Executive Officer, and will be based in the Tampa, Florida area. “We are excited to welcome Jeff and believe his leadership and extensive experience in sales, underwriting, and distribution development will help us to take our North American operation to new heights,” stated Chris.

Jeff holds a Bachelor of Science degree from the University of Pittsburgh.

Global Benefits Group (GBG) is a global insurance group that administers and underwrites international medical, 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.

STC for the EpiShuttle On Aircraft Type CL-600 Obtained By FAI Air Ambulance

FAI has obtained supplementary type certification (STC) for the EpiShuttle on the aircraft type CL-600 after undergoing comprehensive tests on flammability, rapid decompression, and patient evacuation. The test was passed without any complaints or remarks.

Since FAI has installed the EpiShuttle in the Bombardier Challenger 604 on a Spectrum Aeromed MedBase with a fixed adaption to a Spectrum Aeromed Cargo Stretcher, they no longer considered the EpiShuttle to be “loose equipment” compared to other mobile medical equipment.

Due to this FAI wanted to obtain an STC for the CL-600-2B16 aircraft that included the EpiShuttle.

We are glad to see that FAI has obtained STC for the CL-600-2B16 aircraft, an excellent aircraft for the transfer of infected patients with the EpiShuttle. We appreciate all time and resources the brilliant team at FAI Air Ambulance has put into the certification process. This shows that the EpiShuttle meets the requirements for an STC, says Ellen Cathrine Andersen, CEO in EpiGuard.

Passed comprehensive testing

FAI in coordination with EASA (European Aviation Safety Agency) and a development company defined the requirements for the STC and necessary test procedures was developed.

The EpiShuttle went through comprehensive and challenging tests during the certification process. All the test procedures were carried out without any complaint and the STC was issued and granted by the EASA, says Nico Raab, Medical Operations Manager in FAI Air Ambulance (FAI rent-a-jet GmbH).

The EpiShuttle had to undergo three different tests during the process, flammability test, rapid decompression test and patient evacuation.

The flammability test examined how easily the built-in material ignited, how quickly they burn and how they react when burned. The tests showed that there was neither combustion or smelting or drop formation in the test bodies.

Second, they tested the behavior of the EpiShuttle in the event of a sudden drop in pressure, a so-called rapid decompression test. In the event of a sudden drop in pressure in the aircraft, it must be ensured that all components can withstand the forces acting in order to avoid contamination of the environment. The behavior of the EpiShuttle where tested and simulated in a pressure chamber in an approved test laboratory. The test showed no damage or functional restrictions on the components of the EpiShuttle nor the attachments.

The last test the device had to undergo was a patient evacuation. According to specifications, it had to be possible to evacuate a patient within 90 seconds in an emergency. During the test the patient was evacuated by FAI employees within 56 second.

After the employees and the device had completed all the test, EASA concluded that it met all the requirements and without any complaints.

The certification make way for STC on the CL-600 on other continents as well it also shows that it is possible for other companies and aircrafts to obtain an STC, says Ellen Cathrine Andersen, CEO in EpiGuard.

FAI Air Ambulance invested a total of €57,000 in the individual test procedures.

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Medical, Travel And Technical Assistance

 

A guide to leading international medical and travel assistance companies and providers, operating within leisure, expatriate and corporate business travel markets globally.

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