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Employer Family Health Premiums Rise 4 Percent to $17,545 in 2015

Single and family premiums for employer-sponsored health insurance rose an average of 4 percent this year, continuing a decade-long period of moderate growth, according to the Kaiser Family Foundation/Health Research & Educational Trust (HRET) 2015 Employer Health Benefits Survey. Since 2005, premiums have grown an average of 5 percent each year, compared to 11 percent annually between 1999 and 2005.

The average annual premium for single coverage is $6,251, of which workers on average pay $1,071.  The average family premium is $17,545, with workers on average contributing $4,955.

The survey also finds that 81 percent of covered workers are in plans with a general annual deductible, which average $1,318 for single coverage this year. Covered workers in smaller firms (three to 199 workers) face an average deductible of $1,836 this year. That’s 66 percent more than the $1,105 average deductible facing covered workers at large firms (at least 200 workers).

Since 2010, both the share of workers with deductibles and the size of those deductibles have increased sharply. These two trends together result in a 67 percent increase in deductibles since 2010, much faster than the rise in single premiums (24%) and about seven times the rise in workers’ wages (10%) and general inflation (9%).

“With deductibles rising so much faster than premiums and wages, it’s no surprise that consumers have not felt the slowdown in health spending,” Foundation President and CEO Drew Altman said.

“Employees are benefiting from stable employer health benefits coverage and modest premium growth,” said Maulik Joshi, president of HRET, an affiliate of the American Hospital Association. “Also noteworthy is that many employers are tying financial incentives to employee participation in health and wellness programs.”

This year, 57 percent of employers offer health benefits to at least some of their workers, statistically unchanged from 55 percent last year. Offer rates vary by firm size, with 98 percent of large firms (200 or more workers) offering coverage, compared to less than half (47%) of the smallest firms (three to nine workers).

Beginning in 2015, employers with at least 100 full-time equivalent employees (FTEs) must offer to their full-time workers health benefits that meet minimum standards for value and affordability or pay a penalty. The requirement applies to employers with 50 or more FTEs beginning in 2016.

Of firms reporting at least 100 FTEs (or, if they did not know FTEs, of firms with at least 100 employees), 5 percent say that they offered more comprehensive benefits this year to some workers who previously were only offered a limited benefit plan, and 21 percent say that they extended eligibility to groups of workers not previously eligible.

Among employers with 50 or more FTEs (or, if they did not know how many FTEs, firms with at least 50 employees), 4 percent report that they changed some job classifications from full-time to part-time (less than 30 hours per week) so employees would not be eligible for health benefits, while 10 percent report changing some job classifications from part-time to full-time to enable workers to obtain coverage. Four percent also report reducing the number of full-time employees they planned to hire because of the cost of health benefits.

The survey provides an early look at employers’ response to the Affordable Care Act’s excise tax on high-cost health plans, sometimes called the “Cadillac tax,” which begins in 2018.

A majority (53%) of large employers (200 or more workers) offering health benefits say that they conducted an analysis to determine if any of their plans would exceed the Cadillac tax thresholds, and about one in five (19%) of this group say their plan with the largest enrollment will exceed the threshold amount. In addition, 13 percent of large firms offering health benefits say they have made changes to their plans to avoid reaching the excise tax thresholds, and 8 percent say they switched to a lower-cost health plan.

“Our survey finds most large employers are already planning for the Cadillac tax, with some already taking steps to minimize its impact in 2018,” said study lead author Gary Claxton, a Foundation vice president and director of the Health Care Marketplace Project.  “Those changes likely will shift costs to workers, but exactly how and how much will vary for individual workers.”

The survey also captures some steps employers have taken to limit their provider networks as a way to reduce costs: 9 percent of firms offering health benefits say that one of their plans eliminated a hospital or a health system from their network, and 7 percent offer a “narrow network” plan, generally considered more limited than the standard HMO network.

Many large employers offering health benefits offer health screening programs including health risk assessments (50%), which are questionnaires asking employees about lifestyle, stress or physical health; and biometric screenings (50%), which are in-person health examinations conducted by a medical professional.

The survey finds that 31 percent of large employers offering health benefits have a financial incentive for employees to complete health-risk assessments, and 28 percent have an incentive for employees to complete biometric screening.

The majority of large employers continue to offer wellness programs, such as smoking cessation, weight loss or other lifestyle coaching.  Thirty-eight percent of those offering one of these wellness programs provide a financial incentive for employees to participate or complete the program.  Among these firms, 15 percent offer a maximum incentive greater than $1,000 for all of a firm’s health and wellness programs, including any incentives for health screening.



Forty-Three Per Cent Of Canadians Have Or Intend To Purchase Life Insurance

Forty-three per cent of Canadians have or intend to purchase life insurance. Fewer than one third are confident that their financial plan has addressed their insurance needs. Only 49 per cent feel that they have some understanding of the insurance products best suited for their life stage.

The BMO Wealth Institute has released a new report examining Canadians' use of insurance to protect themselves and their families against the unexpected. The report, titled Insuring for a Financially Secure Future, found that half of Canadians (51 per cent) are concerned that, should they pass away, the financial well-being of their family would be put in jeopardy, with just over one quarter (26 per cent) feeling very concerned.

Despite these anxieties, the report shows that many Canadians are underinsured:

  • Although it is the top type of insurance policy purchased by Canadians, fewer than half (43 per cent) say they own or will purchase life insurance in the next 12 months.
  • One third (thirty-one per cent) of Canadians do not have any of the following insurance policies: life, travel, accident, disability, critical illness or long-term care. This percentage increases to 37 per cent for Boomers (ages 55-64).
  • Only one third (31 per cent) are confident that their financial plan has addressed their insurance needs to mitigate risks.

"Life is unpredictable and Canadians are clearly anxious about what would happen to their family in the event of death or an unexpected illness or accident, so it's concerning that so few feel that their insurance needs are being met," said Chris Buttigieg, Senior Manager, Wealth Planning Strategy, BMO Financial Group. "A financial professional can help you prepare for the unexpected by incorporating insurance into a comprehensive financial plan that reflects your priorities in the current stage of your life and ones you may have in the future."

Insurance for Every Life Stage

The report also looked at the types of insurance that Canadians in different age groups currently own or will purchase in the next 12 months:

(ages 18-34)
  Generation X
(ages 35-54)
(ages 55-64)
- Life (46 per cent)
- Travel (42 per cent)
- Accident (33 per cent)
- No insurance in place (24 per cent)
- Disability (20 per cent)
  - Life (44 per cent)
- Travel (33 per cent)
- No insurance in place (33 per cent)
- Accident (22 per cent)
- Critical illness (21 per cent)
  - Travel (41 per cent)
- No insurance in place (37 per cent)
- Life (32 per cent)
- Accident (27 per cent)
- Long-term care (15 per cent)

Half of Canadians felt they had some level of understanding about the insurance products most appropriate for their life stage (49 per cent), with only 16 per cent feeling they have a very good understanding.

"As life changes, insurance needs change as well," said Rocco Casullo, Head, Direct to Consumer Insurance, BMO Insurance. "It's important to educate yourself about the products that will provide the most benefits for you at your particular stage in life. There are plenty of online resources available, making it easier than ever to research the insurance options available to you. A financial professional can clarify and further expand on the information you find online to help you determine which type of coverage is best for you."

BMO offers tips on the best insurance products for different life stages:

Millennials: Life insurance protects what young people are working hard to build in terms of their personal and financial goals by laying down the foundation for the protection of future loved ones. Other types of insurance that Millennials should consider purchasing include critical illness insurance, accident insurance and travel insurance.

Generation X: For Gen Xers who are settled into a career, critical illness and disability insurance become very important for individuals, and even more so with families, who are dependent on their ability to earn an income. Generation X should also consider life insurance and creditor insurance.

Boomers: Long-term care insurance is particularly beneficial to those who have left the workforce; they cannot benefit from disability insurance if they are no longer earning an income. Permanent life insurance should also be considered for estate planning purposes.

For those in retirement: Consider retirement income options that help protect and ensure a sustainable and steady source of retirement income. Travel insurance would be helpful to snowbirds in case they need to pay for the costs of emergency medical treatment while away from home. Permanent life insurance and medical insurance may also be beneficial to retired Canadians.


Cigna Global Health Benefits Introduces Mobile App Online Claim Submission Functionality

Click. Capture. Submit. It’s now that easy for customers of Cigna Global Health Benefits®(NYSE: CI) to submit a claim for processing. Using their Android or Apple smartphones, customers can take a picture of their claim and submit it through the Cigna Envoy® Mobile App to begin processing it. Not only is it easier, it’s also faster and more convenient. On average, a claim submitted through a smartphone is completed within four minutes; whereas a claim submitted online takes an average of 10 minutes according to Cigna data.

Bringing this technology to globally mobile customers gives them another way to submit their claims wherever they are in the world. Depending on their preference, customers can submit claims in a variety of ways including through their smartphone, online at or in a more traditional paper-based mail format.

“Customers told us they wanted the ability to submit claims using their smartphones. They’re on the go quite a lot and need an easy and convenient way to start the claims process,” said Robyn Cameron, senior vice president, Cigna Global Health Benefits. “In today’s technology driven world, people typically don’t leave home without their smartphone, so building the capability for customers to take a picture of their claim and submit it through their smartphone was imperative.”


CMA Clears Simplyhealth’s Sale Of Private Medical Insurance Business To AXA PPP Healthcare

Simplyhealth Group Limited have announced that the Competition and Markets Authority (CMA) has cleared the Group’s sale of its private medical insurance (PMI) business and Simplyhealth Administration Services Limited (SASL), which administers its self-funded business, to AXA PPP healthcare. The sale, which was agreed in April, is expected to complete on 1 August 2015.

Romana Abdin, Chief Executive, Simplyhealth, commented, "We are pleased to receive the CMA’s clearance for the sale. Today is a significant milestone in our long history, as we push ahead with our strategy to increase investment in businesses that meet a growing need in the UK for everyday healthcare provision. The funds we raise from the sale will enable us to grow our cash plan, pet plan, independent living and dental delivery businesses as well as acquiring businesses in new growth areas."

Lloyd's Receives Approval To Open Representative Office In Colombia

Lloyd’s have announced that it has received approval from the Colombian authorities to open a representative office in Bogotá. Under the new Lloyd’s representative office licence, Lloyd’s syndicates are able to provide onshore reinsurance.

Juan Carlos Realphe G. has been appointed as Lloyd’s first General Representative responsible for market development and liaising with regulatory authorities and Lloyd’s business partners to enhance Lloyd’s presence in Colombia.

Juan Carlos joined Lloyd’s in early 2015 and brings 28 years’ experience in the Colombian insurance and reinsurance market. He joined Lloyd’s from Willis Colombia where he was Placement Leader, Vice President and Interim CEO. He started his career with Allianz (previously Colseguros) in 1988 holding various roles before moving to Mapfre in 2001 where he led the Non-Life Business as the Non-Life Vice President.

Lloyd’s Colombia in Bogotá will house local representatives of Lloyd’s insurers and the Lloyd’s General Representative Office. Colombia is a fast-growing hub for facultative reinsurance and Lloyd’s is already a well-established provider of energy, property and aviation cover.

Juan Carlos Realphe said, “I am delighted to be appointed as Lloyd’s first representative in Colombia and I look forward to establishing Lloyd’s presence in Bogotá. Lloyd’s will bring valuable capacity and specialist expertise to the Colombian market and there are strong growth opportunities for Lloyd’s, particularly in property and liability lines.”

Daniel Revilla, Lloyd’s Head of Operations & Strategy, Global Markets said, “Lloyd’s is strengthening its presence and offering in Latin America. We recently received approval for our Representative office in Mexico and will now move to establish a presence in Colombia giving local clients increased access to Lloyd’s expert underwriters and tailored risk solutions. I look forward to working with Juan Carlos to support Lloyd’s development in Colombia.”

Vincent Vandendael, Lloyd’s Director, Global Markets said, “Lloyd’s has delivered on the market’s desire for a presence in Colombia as part of our Vision 2025 strategy to increase our support to the world’s fastest growing economies. It gives me great pleasure to welcome Juan Carlos as our first Colombian representative and see the next phase in Lloyd’s Latin American growth strategy fall into place.”


Swiss Re To Offer New Digital Platform For Insurers To Sell Protection Products Online

Swiss Re has partnered with Backbase to develop a new digital platform for selling and servicing life and health products online. The solution includes Swiss Re's know-how and Backbase's technical and customer experience expertise.  The new platform will broaden Swiss Re's client capabilities in the life and health insurance market, which already includes Swiss Re's market-leading automated underwriting system, Magnum; an insurance carrier iptiQ; and proposition development capabilities.

The digital platform will be available to Swiss Re's European insurance partners, and will enable online delivery of simple protections products, such as critical illness or term-life products.

"It has long been part of the reinsurer's role to support the industry in evolving and adapting to new consumer needs. Swiss Re is ready to take this forward by helping our clients set themselves up to serve a new generation of life insurance consumer. This helps to close society's protection gaps and meet the needs of the self-service generation," says Paul Hately, Head of Swiss Re Protection Partners, and Board Member at iptiQ. "We chose Backbase because of their ability to easily deliver great customer experiences in the digital world."

Backbase is specialist in developing digital channels for financial services companies. It was selected to begin developing the digital platform because of its strong focus on delivering a superior customer experience, and its proven track-record in the insurance industry.

"We are very excited that Swiss Re has selected Backbase as the platform to deliver its digital services to its many insurance partners," says Frank Uittenbogaard, Regional Director of Backbase. "Swiss Re has a strong vision and they realise digital in an omni-channel world is essential. Backbase CXP will bring Swiss Re all the capabilities to quickly on-board new partners, combined with the ability to completely tailor and customise the user experience."


Aetna To Acquire Humana For $37 Billion

Aetna (NYSE: AET) and Humana Inc. (NYSE: HUM) have announced that they have entered into a definitive agreement under which Aetna will acquire all outstanding shares of Humana for a combination of cash and stock valued at $37 billion or approximately $230 per Humana share based on the closing price of Aetna common shares on July 2, 2015.

The complementary combination brings together Humana’s growing Medicare Advantage business with Aetna’s diversified portfolio and commercial capabilities to create a company serving the most seniors in the Medicare Advantage program and the second-largest managed care company in the United States. The combined entity will help drive better value and higher-quality health care by reducing administrative costs, leveraging best-in-breed practices from the two companies — including Humana’s chronic-care capabilities that measurably improve health outcomes for larger populations — and enabling the company to better compete with more cost effective products.

Under the terms of the agreement, which has been unanimously approved by the board of directors of each company, Humana stockholders will receive $125.00 in cash and 0.8375 Aetna common shares for each Humana share. As a result of the transaction, Aetna’s shareholders would own approximately 74 percent of the combined company and Humana’s shareholders would own approximately 26 percent. Aetna expects to finance the cash portion of the transaction with a combination of cash on hand and by issuing approximately $16 billion of new term loans, debt and commercial paper. Upon closing, which is expected to be in the second half of 2016, the company’s debt-capital ratio is projected to be approximately 46 percent, and management has committed to reducing that ratio below 40 percent over the 24 months following the closing. The transaction is projected to be neutral to Aetna’s 2016 Operating EPS and produce mid-single digit percentage Operating EPS accretion in 2017 and low double-digit percentage Operating EPS accretion in 2018.

The combined company will be well positioned to offer a broad choice of affordable, consumer-centric health care products, helping to constrain cost growth, improve health outcomes, and promote wellness. The combination will provide Aetna with an enhanced ability to work with providers and create value-based payment agreements that result in better care to consumers, and spread cutting-edge clinical practices and quality care.

The combined company would have projected 2015 operating revenue of approximately $115 billion, with approximately 56 percent from government sponsored programs (including Medicare and Medicaid). The combined company will have over 33 million medical members, based on memberships as of March 31, 2015. The combined membership includes Humana’s 3 million TRICARE members, under a program of health care coverage for military families and retirees administered by the U.S. Department of Defense.

After closing Aetna will make Louisville the headquarters for its Medicare, Medicaid and TRICARE businesses, and will maintain a significant corporate presence in Louisville. Founded in Louisville more than 50 years ago, Humana has a long history of contributing to the Louisville community.

“The acquisition of Humana aligns two great companies and will significantly advance our strategy of more effectively serving members in a rapidly changing health care industry,” said Mark T. Bertolini, Aetna chairman and CEO. “This combination will allow us to continue to invest in excellent service for our members and strengthen our partnerships with providers to deliver high quality care at an affordable price. We have great respect for Humana, their talented team, their culture and their strong medical management capabilities. We look forward to working with them following the closing, as we enhance our combined portfolio of innovative health care offerings to provide significant benefits to consumers, employers and providers, and to continue delivering value for our shareholders.”

“Aetna and Humana share a strong commitment to improving the health and well-being of consumers, whatever their needs and wherever they are on their lifelong health journey,” said Bruce D. Broussard, president and CEO of Humana. “Through the use of technology and integrated services to simplify the consumer experience, the combined entity will be even more effective in meeting the health needs of many more people — especially people with chronic conditions, who will benefit from Humana’s home health, pharmacy management, and data analytics programs. The transaction is a testament to the accomplishments of Humana associates and an outstanding outcome for our shareholders, who will receive an immediate premium and the opportunity to participate in the growth potential of the combined organization.”

Shawn M. Guertin, Aetna’s executive vice president and CFO, added, “The complementary nature of our two companies provides us with a significant synergy opportunity, furthering Aetna’s efforts to increase its operating efficiency. We expect synergies from the transaction to be $1.25 billion annually in 2018. These cost efficiencies will support our efforts to drive costs out of the system and offer more affordable products.”

The combination of Aetna and Humana:

  • Builds on each company’s respective efforts to provide innovative, technology-driven products, services and solutions to build healthier populations, promote higher quality health care at lower cost, and offer greater transparency and convenience for consumers.
  • Increases Aetna’s Medicare Advantage membership to 4.4 million and improves Aetna’s ability to serve members and their providers with cutting-edge technology and best practices.
  • Brings together two companies with leading percentages of membership in Medicare plans rated four Stars or higher.
  • Creates a leading health care services and pharmacy benefit franchise, serving members who use over 600 million prescriptions annually.
  • Strengthens care management capabilities by taking the best-of-breed provider solutions, including robust offerings of patient-centered provider services, clinical intelligence, value-based reimbursement models, data integration and analytics solutions from both companies.
  • Brings together two companies with longstanding commitments to promoting wellness, health, and access to high-quality health care for everyone, while supporting the communities in which they serve.

Transaction Details

Following the close of the transaction, Mark Bertolini will serve as Chairman and CEO of the combined company. At the time of the closing, the Aetna Board of Directors will be comprised of twelve current Aetna directors and four Humana directors, for a total of sixteen directors.

The transaction is subject to customary closing conditions, including the approval by Humana stockholders of the merger agreement, the approval by Aetna shareholders of the issuance of shares in the transaction, as well as the expiration of the federal Hart-Scott-Rodino antitrust waiting period and approvals of state departments of insurance and other regulators.

Aetna has received commitments from both Citi and UBS Investment Bank in connection with the financing of the transaction.

Citi and Lazard are acting as financial advisors to Aetna. Davis Polk & Wardwell LLP is acting as legal advisor to Aetna. Goldman Sachs is acting as financial advisor to Humana and Fried, Frank, Harris, Shriver & Jacobson LLP is acting as its legal advisor.

Share Repurchase Program

Prior to closing, Aetna’s ability to repurchase its own shares will be limited. To meet its deleveraging plans, Aetna expects to suspend its share repurchase program for the combined company for approximately 6 months following the closing of the transaction. In addition, Humana will be suspending its share repurchase program.

The proposed transaction does not impact Aetna’s ability and intent to continue quarterly dividend payments, including the $0.25 dividend declared on May 15, 2015, payable on July 31, 2015 to shareholders of record at the close of business on July 16, 2015. Under the merger agreement Aetna has agreed that its quarterly dividend will not exceed $0.25 per share prior to closing. Declaration and payment of future dividends is at the discretion of Aetna’s board of directors and may be adjusted as business needs or market conditions change.

The proposed transaction also does not impact Humana’s ability and intent to continue quarterly dividend payments prior to the closing of the transaction, including the cash dividend of $0.29 per share payable on July 31, 2015 to stockholders of record on June 30, 2015. Under the merger agreement Humana has agreed that its quarterly dividend will not exceed $0.29 per share prior to closing. Declaration and payment of future dividends is at the discretion of Humana’s board of directors and may be adjusted as business needs or market conditions change.


ESIS Appoints Paul Holden Chief Information Officer

ESIS, Inc. (ESIS®), a third-party claims administration company and part of ACE Group, have announced the appointment of Paul Holden as Vice President and Chief Information Officer. Mr. Holden will have responsibility for the strategic integration of ESIS’ technology infrastructure and will lead the operational support and information delivery teams. He will be instrumental in the ongoing enhancement of ESIS’ distinctive technology tools, with an overall goal to provide information that empowers ESIS’ claims professionals in their efforts to provide exceptional service to clients and brokers. Based in Philadelphia, Mr. Holden will report to Joe Vasquez, Division President, ESIS.

Mr. Holden will work in tandem with ACE’s global claims teams and ESIS to finalize the development of ESIS’ new claim system. In this role, he will champion strategies to further enhance ESIS’ core technologies, including ESIS Global RiskAdvantage®, the company’s risk management information system, as well as its customized data analytics and predictive modeling platform, ESIS Advanced Analytics in Action®. In addition, he will be instrumental in the future development of ACE Worldview® for ESIS, a powerful web-based program management portal with robust functions, including document sharing, an online billing portal, real-time integrated social collaboration, and predictive modeling output.

“Paul’s deep knowledge in the development of systems and technology strategies will help ESIS refine its technology infrastructure, operational support and information delivery to clients and brokers,” said Mr. Vasquez. “With his broad base of knowledge and a list of impressive achievements, I am confident that Paul will play a significant role in helping ESIS to enhance and expand technology solutions for our customers.”

Mr. Holden has more than 20 years of experience in the development of systems and technology strategies, working for a number of industry leading companies in the third party administration and risk management industry.


RGA Announces Second Dutch Longevity Transaction With Delta Lloyd

Reinsurance Group of America, Incorporated have announced the completion of a new agreement whereby RGA will provide additional longevity risk protection and capital benefit on reserves of approximately €12 billion to Delta Lloyd Levensverzekering N.V., the Dutch life insurance arm of the Delta Lloyd Group (“Delta Lloyd”). The transaction, with a duration of eight years, is a liability replication derivative based on the Dutch population mortality results.

“This marks RGA’s second transaction with Delta Lloyd to mitigate a portion of Delta Lloyd’s longevity risk,” said Paul Sauvé, Senior Vice President, Global Financial Solutions, EMEA, RGA. “We see considerable interest in the EMEA region for proven solutions that address the new capital requirements framework and are actively talking to our clients about how such liability replication strategies can be applied to similar opportunities.”

“This is the second time Delta Lloyd has transferred a part of its longevity exposure to the reinsurance market,” said Hans van der Noordaa, Executive Board Chairman, Delta Lloyd. “Both transactions, the first one was in 2014, are part of our sound and efficient capital management. We continuously investigate options to optimise our capital structure and strengthen our balance sheet, through our product mix, underwriting, asset optimisation and transactions, such as announced today.”

“With this transaction, RGA again demonstrates its ability to implement creative and effective solutions for our clients under changing regulatory environments,” said David Boettcher, Executive Vice President and Chief Operating Officer, Global Financial Solutions, RGA. “By applying our extensive knowledge of biometric risk, we are able to offer efficient, flexible solutions that integrate with our clients’ capital models for Solvency II as well as address the requirements of other principles-based solvency regimes and frameworks around the globe, such as SAM (in South Africa), C-ROSS (in China), and SST (in Switzerland).”


High Growth And Wider Product Offering Spurs Expatriate Group Rebrand

Expatriate Healthcare has rebranded as Expatriate Group to reflect the fact that the fast-growing business has significantly expanded the range of products it offers to its international clients.

London-based Expatriate was founded in 2003 to offer healthcare insurance for expats. As a result of growing demand from clients for other products, the company now also offers term life insurance, travel insurance and income replacement insurance.

In financial year 2013-2014, Expatriate recorded a 128% increase in new customers, and for the first quarter of 2015, new policy purchases have increased by 206% compared to Q1 2014.

“As a result of growing demand from our clients for products other than healthcare, we have had to expand our lines of business,” said Expatriate Group Manager Lee Gerry. “Our clients have been really happy with the products and standards of service we deliver and they have been asking us to provide them with further products to support their lifestyles overseas.

“Since 2013, as many clients have been finding us for non-healthcare products as for healthcare, which is extremely pleasing.”

He said that the change of name to Expatriate Group reflected the company’s aim to become a “one stop shop” for expats and companies with an international presence, providing them with all the financial protection products they require.

Mr. Gerry added that Expatriate Group will consider launching a further range of products for expats within the next 12 months. 

About Expatriate Group

Expatriate Group provides medical healthcare, as well as Life, Travel and Income Replacement, that is designed solely for expatriates. All plans are created by experienced expatriate underwriters. The policies are comprehensive and easy-to-understand, and backed up 24 hours a day by a friendly medical team. London-based Expatriate Group provides health insurance to 103 nationalities in 151 countries, representing 77% of the countries in the world.

For further information on Expatriate Group, visit




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