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

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Universal Air Evac Acquire And Implement A Portable Negative Pressure Isolation Unit

Universal Air Evac is pleased to announce the expansion of our capabilities in Africa during the COVID-19 pandemic through the acquisition and implementation of a portable negative pressure isolation unit.

This allows us to transport most infectious patients while maintaining the safety of our crew, providers and patients at the forefront of our operational priorities. The portable isolation unit allows for the rapid setup of a biologically isolated area from the environment outside of the chamber allowing our crew to continue providing emergency medical transport while maintaining maximum protection.

Other measures implemented to ensure the highest levels of safety include:

  • Comprehensive screening and ongoing monitoring of all our crew;

  • Quarantining of crew between duty periods;

  • Pre-flight patient screening and assessment before departure from home base;

  • Vaporized disinfection of aircraft interiors and equipment in addition to our standard cleaning procedures.

Medical evacuation of patients across borders has become extremely complicated due to varying restrictions imposed by governments in their fight against the COVID-19 pandemic. Universal Air Evac remains available to assist you with these movements and encourage you to make contact that we help you navigate through the challenges of moving your patient or insured to an upgraded level of care.

For further information please visit:


Charles Taylor Launches Digital Tool To Manage Employees' Back-To-Work And Back-To-Travel Risk Assessments

A new 100% digital tool that manages Covid-19 risk assessments for employees returning to work or to international travel has been developed by Charles Taylor: providers of professional services and technology solutions to the global insurance market.

As Covid-19 restrictions are lifted, Venture, as the tool is known, will help businesses demonstrate that they have taken adequate risk assessment measures and implemented the right precautions to protect their staff: enabling the workforce to mobilise again in a safe and managed way.

Specifically, Venture identifies individual members of staff who are likely to develop severe symptoms of Covid-19. It gives employers a scale of risk, based on an employee's predictive variables, so that the appropriate mitigation steps can be taken. Employees complete a brief online assessment, accessible from any device.

Longer term, Venture can also identify globally mobile employees who may be susceptible to wider medical risks, beyond Covid-19.

HR, workplace, travel and compliance managers are among Venture's many expected beneficiaries, in a variety of domestic and international settings, ranging from banks to supermarket chains and delivery companies to government departments.

Venture has been developed in consultation with Charles Taylor's chief medical officer, Dr Lynn Gordon and Dr Paolo Paredi, honorary consultant and senior researcher at the National Heart and Lung Institute, Imperial College London. Powered by Charles Taylor's online medical screening tool, Antidote, it draws on the provider's 25 years' experience of medical screening.

The new tool ensures that employees' sensitive medical information is withheld from their employers, while its technology can be configured to destination or employer-specific requirements.

Angela Smith, head of proposition development for Charles Taylor Claims Services, comments, "Venture gives employers the reassurance they need to help staff return to the office or to resume international travel. It ensures that vulnerable individuals are identified accurately and fairly, based on their own individual health profiles – and this sets it apart from other broad-range Covid-risk-identification measures.

"Both Venture and our online medical screening tool, Antidote, can be integrated with the range of security and medical assistance services available from Charles Taylor; offering employers a comprehensive and tailored service that helps them meet and exceed their duty of care obligations."

David West, group IT director at Charles Taylor Insuretech, says, "Our online digital screening tool is another example of applying our technical insurance services knowledge and our technology expertise to bring practical and rapid benefit to our clients.  We are committed to expanding the range of insurance-specific technology solutions that we provide and to supporting the transformation of our clients and their services."


Generali Involves Over 30 Thousand People With The Human Safety Net’s Programs

  • The first report of The Human Safety Net’s global activities has been published after a two-year journey;
  • An extraordinary support of over € 1 million was allocated to face Covid-19 emergency, ensuring programs can continue at distance and reducing the digital gap of families and refugees.

Trieste – The Human Safety Net, Generali’s global initiative for unlocking the potential of people living in vulnerable contexts, has published a first activity report, sharing its two-year journey of growing Generali’s social impact in the communities where the Group is present in Europe, Asia and Latin America.

Two years after its launch, The Human Safety Net is active in 21 countries around the world and running three evidence-based programs to support families with young children and integrate refugees through work. After a rigorous selection process, The Human Safety Net has partnered with 46 leading NGOs and social enterprises, acting together like a net to amplify the impact that each organization might have on its own. Until the end of 2019, it has supported more than 30,000 people, reaching about 20,000 children ages 0-6 years and 10,000 parents, and training almost 700 refugees who created more than 100 start-ups.

The Human Safety Net brings together the strengths of non-profit organizations and the private sector. The initiative is designed for social impact through a shared methodology for implementing programs and a common framework for measuring results. As part of the Group’s broader sustainability strategy objectives, Generali aims to increase the impact of this movement of people helping people by mobilizing the skills and resources of the company’s employees, agents, distribution networks, and clients. In 2019, Generali employees and agents dedicated 20,000 hours of volunteering with The Human Safety Net.

To maintain close contact with more vulnerable families and refugee entrepreneurs, and to ensure program continuity during the Covid-19 emergency, additional extraordinary initiatives worth more than € 1 million have been launched to support immediate necessities (like healthy kits, masks, laptop and tablets) as well as an investment in digital solutions (like online platforms and apps). The latter will allow NGO partners to support families and refugees during and after the crisis, providing them with learning opportunities, maintaining access to essential services, and limiting the social isolation of the most vulnerable. In this way, The Human Safety Net is helping reduce the digital gap in the non-profit sector.

The Chairman of Assicurazioni Generali, Gabriele Galateri di Genola, and the Group CEO, Philippe Donnet, explained, “The Human Safety Net is part of our active commitment to society. It addresses some of the great social challenges of our time and is one of Generali’s key contributions to achieving the Sustainable Development Goals. The Covid-19 pandemic has highlighted inequalities and has made large sections of the population more vulnerable. In this period, more than ever before, The Human Safety Net projects have become important in unlocking the human potential of the weakest parts of our humanity and in strengthening the communities in which the Group operates. Alongside these activities of The Human Safety Net are other Generali initiatives to deal with the Covid-19 emergency, as the Extraordinary International Fund launched in March”.

The initiative is driven by Fondazione Generali The Human Safety Net Onlus, established in 2017 to support the Group’s business units in coordinating programs and activities in the countries where The Human Safety Net is active. In 2019, the contribution to The Human Safety Net by Media Relations T +39.02.43535014 This email address is being protected from spambots. You need JavaScript enabled to view it. Investor Relations T +39.040.671402 This email address is being protected from spambots. You need JavaScript enabled to view it. user: Generali user: @GENERALI user: generaligroup user: GruppoGenerali Fondazione Generali and Generali business units was € 6.3 million.

The Activity Report 2019 is available on the website of The Human Safety Net.


The COVID-19 Challenge: Delivering International Health And Medical Services During A Pandemic

Despite air travel being at a historic all-time low and practically the whole world in lockdown, over the last four months global travel risk management and international medical and security assistance provider, Healix International, has provided a crucial service to individuals abroad.

Key data

  • Arranged over 100 medical repatriations
  • Handled almost 5,300 medical helpline calls
  • Immense network of agents, fixers on the ground and anyone with the potential to assist in getting aircraft into and out of often remote locations, ensured that those unwell and unable to return to the UK through normal routes have been assisted

During the last four months, COVID-19 has presented new challenges to international medical assistance, such as sourcing testing for patients in some of the most remote locations around the world, securing an isolation pod transfer of positive patients, and securing intensive care admissions during a pandemic both within and outside of the UK. There has also often been delicate negotiation required behind the scenes for diplomatic permits to allow access into a country.

Mike Webb, CEO of Healix International commented: “Since mid-March we have been faced with a multifaceted sequence of events that not only changed daily, but pushed us into unknown territory when it comes to repatriation. Borders closed in a domino effect across the world, aircrafts were unable to land to retrieve patients as a result and additional bureaucratic hurdles needed to be jumped.

RELATED READING: iPMI Magazine Speaks With Mike Webb, CEO, Healix International

“A typical day could comprise repatriation challenges for patients in India, Afghanistan, Iraq, DRC, Somalia and South Sudan. The complexity of each case is so individualised; based on location, nationality and capabilities of the local provider, each case demanding undivided focus and attention that have seen 12-hour days disappear in a flash.

“One thing the pandemic highlighted was that collaboration is crucial. Effective teamwork, a multipronged approach reaching across our provider network, together with diversity and forward thinking, allowed us to repatriate/evacuate patients safely. Our teams are highly experienced individuals and are well versed in delivering a service in challenging circumstances. While the pandemic has brought us new logistical challenges, our clients also had the assurance we are always working within the UK government’s guidance as well as those of the specific client and country, to ensure the safety and health of all involved.”

Alongside the repatriation team, Healix International’s medical desk has been working intensively medically managing cases, liaising with medical teams all over the world and working in partnership to try to facilitate repatriation where possible. Where patients were unable to return home for whatever reason, the teams provided long term medical plans to ensure their health and safety whilst waiting for the world to reopen.

Now as travel corridors are opened up – enabling travellers to more than 50 countries to return to the UK without having to quarantine - the focus on the wellbeing of employees working abroad becomes ever more critical as Mike Webb explained:

“Now as we enter the next phase, with lockdown easing in many countries and the UK reducing restrictions on those coming from numerous countries around the world, we are preparing ourselves for a new set of challenges. Businesses cannot operate via virtual conference tools forever; business critical travel needs to resume, and for many, that needs to happen now. However, employee expectations and legislation have drastically changed and organisations across every industry are faced with the difficulty of demonstrating their duty of care obligations to their employees in an incredibly complex operating environment, particularly when it comes to weighing up the risks of international travel.

“In response we have developed COVID Travel Safe a one-of-a-kind layered risk assessment tool that has been designed to enable business travel within a pandemic, and to provide instant assessments of the medical and logistical risks posed by each and every unique proposed travel itinerary.”

Healix International is a global provider of travel risk management and international medical, security and travel assistance services. Working on behalf of multinationals, governments, NGOs and insurers they look after the welfare of expatriates, travellers, offshore workers and local nationals in every country of the world.

For more information please visit:


May Passenger Demand Shows Slight Improvement

Passenger demand in May 2020 (measured in revenue passenger kilometers or RPKs), dropped 91.3% compared to May 2019. This was a mild uptick from the 94% annual decline recorded in April 2020. The improvement was driven by recovery in some domestic markets, most notably China.

“May was not quite as terrible as April. That’s about the best thing that can be said. As predicted, the first improvements in passenger demand are occurring in domestic markets. International traffic remained virtually stopped in May. We are only at the very beginning of a long and difficult recovery. And there is tremendous uncertainty about what impact a resurgence of new COVID-19 cases in key markets could have,” said Alexandre de Juniac, IATA’s Director General and CEO.

Total Market
Asia Pacific
Latin America
Middle East
North America

International Passenger Markets

May international passenger demand fell 98.3% compared to May 2019, which was virtually unchanged from the 98.4% decline recorded in April. Capacity plummeted 95.3%, and load factor sank 51.9 percentage points to 28.6% meaning a bit more than a quarter of seats were filled, on average.

European carriers’ May demand contracted 98.7% compared to last year, virtually unchanged from a 98.9% drop in April, year-over-year, and the worst decline among regions. Capacity dropped 97.5% and load factor fell by 41.7 percentage points to 42.4%.

Asia-Pacific airlines’ May traffic plunged 98.0% compared to the year-ago period, also in line with a 98.2% recorded in April. Capacity fell 95.1% and load factor shrank 46.6 percentage points to 32.1%.

Middle Eastern airlines posted a 98.0% traffic contraction for May, compared with a 97.3% demand drop in April. Capacity tumbled 93.9%, and load factor sagged to 23.9%, down 49.1 percentage points compared to the year ago period. 

North American carriers had a 98.2% traffic decline in May, little changed from a 98.4% decline in April. Capacity fell 94.5%, and load factor dropped 56.7 percentage points to 27.2%.

Latin American airlines experienced a 98.1% demand drop in May compared to the same month last year, versus a 98.2% drop in April. Capacity fell 96.6% and load factor fell 38.1 percentage points to 45.9%, best among the regions.

African airlines’ traffic sank 98.2% in May, fractionally improved from a 98.7% decline in April. Capacity contracted 77.8%, which was the smallest supply reduction among the regions, and load factor dived 61.8 percentage points to just 5.3% of seats filled, which was the lowest among regions.

Domestic Passenger Markets

Domestic traffic fell 79.2% in May. This was an improvement compared to an 86.2% decline in April. Domestic capacity fell 69.2% and load factor dropped 27.2 percentage points to 56.9%.

Dom. Australia
Dom. Brazil
Dom. China P.R.
Dom. Japan
Dom. Russian Fed.
Dom. US

China’s carriers posted a 49.9% year-on-year decline in traffic in May, significantly improved from the 64.6% demand drop recorded in April. However, the improvement has been more recently interrupted by flight cancellations to and from Beijing amid an increase in the number of new infections in the city

US airlines’ domestic traffic was down 89.5% in May, an improvement over the 95.6% decline experienced in April. However, the recent rise in infection rates in key US states following the lifting of lockdown restrictions could negatively impact the budding recovery.

The Bottom Line

“We appear to be in the very early stages of a recovery in air travel. But the situation is fragile. We need governments to support and strengthen the restart by quickly implementing the International Civil Aviation Organization’s (ICAO’s) global guidelines for restoring air connectivity contained in ICAO’s Takeoff: Guidance for Air Travel through the COVID-19 Public Health Crisis.

“Governments also need to avoid adding blockers to the recovery, such as implementing entry quarantines. They have the same impact as outright travel bans and will keep economies closed down to the benefits of aviation connectivity. Governments should also avoid new fees and charges to cover the cost of COVID-19 related health measures (such as testing and contact tracing), which will make travel less accessible. Travel and tourism accounts for 10.3% of global GDP and 300 million jobs. It is in everybody’s interest, including governments, to remove barriers to travel as soon as it is safe to do so. And in the process, it is critical that governments don’t stall the fragile recovery by introducing new regulatory or cost barriers to travel,” said de Juniac.

View the full May Air Passenger Market Analysis (pdf)

Access COVID 19: Air travel turns up but outlook uncertain (pdf) presentation from Brian Pearce, IATA's Chief Economist


Bupa To Increase Stake In Bupa Arabia To 43.25%

Bupa, the international health insurer and provider, proposes to further increase its stake in Bupa Arabia by 4% to 43.25%.

This follows an agreement to acquire a portion of Nazer Group’s stake in Bupa Arabia. Bupa is now submitting formal applications to the relevant Kingdom of Saudi Arabia (KSA) authorities for the customary regulatory approvals.

Bupa and Nazer Group first formed a partnership in 1997 and Bupa Arabia was established in 2008. Bupa Arabia has since grown to become the leading health insurance provider in the KSA.

The KSA is a market with rising customer demand for high quality healthcare funded by private health insurance, and Bupa has incrementally increased its shareholding of this successful business over recent years. The increase in Bupa’s shareholding is in line with Bupa’s strategy of investing to strengthen its existing market positions to deliver sustainable growth.

Bupa Group CEO, Evelyn Bourke said: “Bupa Arabia is a long-standing and high-performing part of our organisation. We are increasing our shareholding in recognition of its continued success and our ongoing commitment to meeting the rising healthcare needs of customers in the KSA. We look forward to continuing to serve the KSA market, in partnership with Nazer Group.”

Chairman of Bupa Arabia and Founder and Chairman of Nazer Group, Loay Hisham Nazer, added: “We are very proud of the achievements and success of Bupa Arabia, underpinned by a great partnership between Nazer and Bupa. This serves as an example of how Saudi companies can attract the highest quality of foreign investors who bring expertise to the market, while benefiting from the local knowledge of the Saudi partner. Our commitment to Bupa Arabia remains very strong. I am committed to stay on as Chairman, and Tal Nazer is committed to serve as CEO.”

ROCK Insurance Group Launches New COVID-19 Travel Insurance And Cancellation Products To Travel Trade

ROCK Insurance Group has launched two new COVID-19 protection products to protect travel businesses and travel agents should customers need to cancel or postpone their trips due to COVID-related issues.

The products have been launched in response to research that ROCK Insurance recently carried out with travel companies on ‘identifying the gaps’ in travel insurance to instill confidence to book holidays.

The first is a business policy – the first to market - that covers agents against cancellation costs in the event that a customer books a holiday and needs to cancel due to testing positive to COVID-19, giving the opportunity for the agent to change the booking and recover additional costs in doing so.

The second product is travel insurance that can be sold to consumers and the key benefit is that it includes pre-departure cancellation if travellers test positive for COVID-19 (even if this is at the airport) and cannot travel. It also covers emergency medical care and repatriation whilst travelling should they contract the virus whilst abroad. The product is flexible so if there is a COVID-19 flare up in a destination, customers will be allowed to change dates or destination ahead of their trip without admin fees.

The new travel insurance policy (including cancellation as standard) includes:

Before a trip:

  • Cover if a customer tests positive for coronavirus within 14 days before their holiday
  • Cover if they have been hospitalised within 28 days of their holiday
  • Cover if they are not allowed to board their flight as a result of a positive coronavirus test or raised temperature
  • The policy can be cancelled if the UK or the customer’s local area enters lockdown again within 14 days of purchase

During a trip:

  • Cover if they have checked in at their holiday accommodation but the property needs to close as a result of the coronavirus
  • Medical cover included if they catch coronavirus whilst abroad
  • Cover if it is medically necessary to bring the customer home
  • Cover for additional accommodation and travelling costs if they contract coronavirus whilst abroad

Antony Martin, Managing Director at ROCK Insurance Group says: “We are excited to be leading the charge in launching our new COVID-19 protection products. There has been a great deal of confusion around travel insurance recently and the travel industry has incurred significant costs because of it. We noticed a gap in the market for a solid COVID-protection policy so we wanted to create robust products which clearly outline what is and isn’t included. As the world is starting to open up for travel again, we feel it is really important to re-instate traveller confidence by offering pre-departure cover for the elements that are not covered under Package Travel Regulations as well as cover during their trips. This new product will help drive customer bookings whilst ensuring the travel trade is better prepared for any potential repercussions if the COVID-19 worsens and if any new pandemics emerge.”

For further information and for the full list of what the new product covers, please visit:

iPMI Magazine Provider Network Directory July 2020

The July 2020 edition of the iPMI Magazine Provider Network e-Directory is out now, featuring over 70 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, Healthcare Insurance Management and Pharmacy Benefits Management.

    Enter full screen click the small rectangle above ↑

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

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

Current Advertisers 

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











AMII Initiative Leads To Landmark Agreement For Electronic Transfer Of Underwriting

The Association of Medical Insurers and Intermediaries (AMII) has announced that the UK PMI industry has reached a landmark agreement to adopt the electronic transfer of underwriting direct between insurers.

The move follows an industry-wide consultation led by AMII Executive Chairman Stuart Scullion who described the breakthrough as “an immensely proud moment.”

Announcing the news, Mr. Scullion praised the “vision and determination” of insurers for enabling the change – which had previously been “deemed too difficult to achieve” by others but, led by AMII, has taken just 12 weeks to be agreed and implemented.

The new pan-industry arrangement will start on July 1, 2020, for business transferring between insurers for company schemes, both SME and corporate. It will involve a number of new protocols for intermediaries and insurers, irrespective of whether they are AMII members or not.

The processes being adopted, for which training of operational and customer-facing staff at a number of major health insurers of is currently taking place, will involve the transfer of encrypted data files to nominated email addresses at each insurer as a secure data transfer.

For larger insurers, the process will be automated, with greater manual intervention for smaller firms. A five working day industry-wide service level has also been agreed.

Mr Scullion said: “The Covid-19 Coronavirus has forced all of us to adopt working practices and processes to meet Government social distancing and self-isolating guidelines.

“It makes no sense for intermediaries to visit their offices to collect membership certificates and underwriting to facilitate policy transfers to another provider when there is a readymade solution at our fingertips.

“I am immensely proud of what we have been able to achieve as an industry in adopting a digital process to exchange personal data and underwriting directly between insurers.

“It’s an agreement which has no doubt been accelerated by the once-in-a-lifetime circumstances created by the Coronavirus, and the challenges faced by the PMI industry driven by GDPR and the new Data Protection Act.

“There have been many challenges to overcome as we sought to agree a process and establish a protocol, and I want to extend my personal thanks to the representatives of all those insurers who have shown the vision and determination which has enabled this to happen."

For more information on AMII, visit

Lufthansa Group Guarantees Customers A Safe Return Journey

  • Basic return flight guarantee for all customers on European routes 
  • Classic and Flex tariffs are expanded to include an “all-round carefree package” in cooperation with insurer AXA Partners 
  • Flex tariffs now with "Bring me Home Now" option including booking guarantee and free rebooking
  • Services are expanded free of charge

Return flight guarantee for all customers

In addition to flexible rebooking options, Lufthansa, SWISS and Austrian Airlines offer their passengers a basic return flight guarantee on all European routes and thus additional security. The return flight guarantee applies to all customers regardless of the fare booked. You will be brought back to Germany, Austria or Switzerland with the airlines of the Lufthansa Group - if necessary also by special flight.  

All-round carefree package for Economy Classic and Business Saver tariffs

In addition, the Economy Classic and Business Saver tariffs on European routes are being expanded in cooperation with AXA Partners with additional attractive guarantee components to form an "all-round carefree package". If, for example, travelers are not allowed to enter the destination due to increased temperature, or if a quarantine is required at the destination after a corona virus test, the insurance covers the costs of the quarantine or medical return transport. In cooperation with AXA, the tariff also offers the opportunity to take medical advice over the phone and speak to a German-speaking doctor via video call. Additional hotel costs are also borne by a possible quarantine or transport costs if the return flight is, for example, from another airport in the holiday destination.

Fastest possible return for Economy Flex and Business Flex tariffs

Finally, the Economy and Business Flex tariffs on European routes are expanded with the "Bring me Home Now" option. Customers of Lufthansa, SWISS and Austrian Airlines are guaranteed to be flown home with the airlines of the Lufthansa Group as quickly as possible. On request, they will be transported on the next bookable Lufthansa Group flight and brought back to Germany, Austria or Switzerland. The rebooking to an earlier return flight is always free of charge. There are no rebooking fees or a tariff difference. 

"We have spoken to many customers in the past few weeks in order to better understand the needs but also concerns about traveling in the times of Corona," said Christina Foerster, Board Member Customer & Corporate Responsibility. "With this new and previously unique offer, we want to help our guests to spend their summer vacation in Europe as carefree as possible."

The tariff extensions in the tariffs mentioned will be available on June 25 and until the end of August in the home markets of the Lufthansa Group, Germany, Austria and Switzerland via the direct sales channels. All trips with a return flight date until the end of January 2021 are covered.  The tariffs are not more expensive, but are extended to include the services mentioned above free of charge for customers.

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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.