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iPMI Magazine successfully rebranded to iPMI Global in 2023 and has moved to a new home on the internet. To visit the brand new international private medical insurance business intelligence platform, please go to www.ipmiglobal.com

Patients Insurance

Patients Insurance

You may be a frequent flyer business traveler, student, leisure or medical health tourist considering the Expat Life. Perhaps you are already established as a Expat living far from home on distant shores. Where ever you are now, understanding Patients Insurance and Expatriate Healthcare requirements is vital to a safe, risk free Global Expatriate Life. Accidents do happen and when you least expect them. Insuring you have the right type of Patients Insurance will mean, should anything untoward happen, you will not be faced with a large medical bill, or even worse, insufficient or no medical care.

Expats searching the internet to source, compare and select the best Patients Insurance plans for Overseas Assignments are now covered by International Private Medical Insurance Magazines Online Patients Insurance company and plan guide. Get the lowdown on who's who and which Patients Insurance companies you should trust with your life.

Since 2009 International Private Medical Insurance Magazine has been providing mission critical news and information about Patients Insurance to individual expatriates, expat groups, expatriate employers and Expat Health Insurance brokers and intermediaries.

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

Expat Health Insurance and Healthcare comes in all shapes and sizes so be sure to do a complete Patients Insurance comparison of the Patients Insurance plan, Patients Insurance costs and Patients Insurance fine print. Make your Patients Insurance plan covers you for costs relating to repatriation, emergency evacuation, medical and non medical transport services by ground ambulance or air ambulance.

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A Quarter Of Expats Not Being Offered Moving Allowance

No less than a quarter of employees being asked to relocate to a new country are not being provided with an allowance to do so by the company they work for. This is among the findings of research carried out by Lloyds Bank, which surveyed 1,039 British expatriates across 13 destinations to collate the results.

Further to this, 26 per cent said they had not been helped with the cost of accommodation and 69 per cent of respondents had not been assisted in organising schooling for any children involved in the move, reports Employee Benefits. This is despite the fact that 57 per cent of those workers who were aided in navigating the pitfalls of education abroad found it useful.

Many overseas assignments mean living in a country with a different language, but 63 per cent were left to overcome this difficulty on their own without training provided by their firm. Some 56 per cent of expats who were offered language courses as part of their package stated that it had been handy to have. No assistance was given to 58 per cent of respondents in terms of social or networking events, but 51 per cent who had received such support thought it was a positive thing to be helped with. It is additional benefits such as these that help families to settle into a new life, which often involves a lot of upheaval.

Richard Musty, international director at Lloyds Bank, told the news provider: "Even though there has been a slight decline in people moving abroad as the UK economy picks up, working abroad remains popular because many people jump at the chance to experience different cultures and lifestyles first-hand, or just escape the weather. "When sending employees abroad, it is important that employers consider their needs as well as their contract in order to ensure a successful assignment."

He went on to say that he understood why some costly elements are not always included, but stated that help with relatively low-cost issues such as language learning and children's education can make all the difference.

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

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EuroAlarm Joins The Globality Health Global Network

Globality Health is strengthening its global network by partnering with leading international assistance provider, EuroAlarm, to provide full international care, including 24/7 emergency medical assistance, medical evacuation and repatriation services, to all group and individual clients.

A full support service that clients can depend upon As part of Munich Re, EuroAlarm services the European Travel Insurance Group (ETI), uniting 18 global travel insurance specialists and handling almost 100,000 calls and 16,000 emergency cases in 2012. Globality Health’s current provider, Almeda, is supporting the seamless transition of all ongoing cases to the new partner, EuroAlarm.

Globality Health’s Chief Commercial Officer, Philip Wright, is delighted with the partnership. ‘When two members of Munich Re join forces and take advantage of the synergies within the group, it directly adds to the unique international service proposition.’

About Globality Health

Globality Health (Luxembourg) is the center of excellence for Munich Health’s Corporate Expatriates Insurance. As a member of Munich Re, Globality Health provides innovative healthcare for clients and partners all over the world through more than 3,000 experts at 26 locations. Munich Re stands for exceptional solution-based expertise, consistent risk management, financial stability and client proximity. Over 40 million clients in over 30 countries place their trust in the services and security Munich Re provides.

About EuroAlarm

EuroAlarm Assistance Prague was originally established as the assistance department of Czech travel insurance leader, Evropská Cestovní Pojišťovna. In 1996 the Prague team of assistance coordinators was formed and later in 2002 this set-up was transformed into an independent assistance company. EuroAlarm is part of Munich Re.

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Mexico Rising

Sustainable economic growth of over three percent, an unemployment rate of less than five percent and total debt corresponding to around 40 percent of gross domestic product: Mexico is prospering.

Following Brazil's example, the new government, led by president Enrique Peña Nieto, wants to use the stable growth in order to further strengthen the growing middle class. In the past, the 'clasmedieros' had already begun to expand significantly. Over the past ten years, the middle class has grown by a good nine million people.

Today, around 65 million Mexicans, over half of the total population, belong to the middle class. Around 98 percent of Mexicans now have electricity. The number of people who own a telephone has increased from 36 percent to 43 percent in the last few years; for computers, the figure has increased from 9 percent to 29 percent, and for fridges from 68 percent to 82 percent.

And Mexico has another distinguishing feature: the country of the Aztecs is young. Over half of the population is under 30, and people are becoming increasingly well qualified. The proportion of university graduates is also relatively high for Latin America at 8.4 percent. Almost 50 percent of all 15 to 24 year olds in Mexico now attend a secondary school. Simultaneously, at just under seven percent, the illiteracy rate has almost halved in recent years.

More mobile phones, computers and other consumer goods: with increasing prosperity and regular income, our natural wish to protect our possessions against loss and set money aside for retirement grows too. "This environment can offer Allianz enormous opportunities for growth", Sergio Ghibellini, CEO of Allianz in Mexico, is convinced.

"Due to the country's economic power and a market penetration rate that is still low and thanks to a reliable legal framework, the insurance market in Mexico will experience above-average growth over the next few years, and Allianz will be able to participate in this," continues the CEO.

Since its entry onto the market in 1985, Allianz in Mexico has continuously expanded its range of products for both corporate and retail customers. It now offers a wide selection of property and casualty (P&C), life and health insurance products. With around 600,000 customers at present, Allianz has a sound customer base in the second largest insurance market in Latin America, which is to grow significantly in the coming years as sales channels are strengthened. Allianz insurance products are primarily sold in Mexico by brokers and agents.

In the area of P&C, Allianz Mexico is already among the front runners in the Allianz Group, with a combined ratio of 90.8 percent. In 2012, gross written premiums increased by nine percent to 266.5 million euros. Operating profit in this segment rose significantly by 46 percent, to 19.5 million euros. Mexico is not just young, however. Mexico is getting ever older, too.

Thanks to fundamental improvements in the healthcare sector, the average life expectancy for people there has risen consistently over the past few years, and now comes in at 77. This means that the emerging middle class is also starting to turn more attention to issues like healthcare and retirement provision.

This is also reflected in the figures for Allianz in Mexico. In the past three years alone, gross written premiums in the area of life and health have tripled to their current level of around 150 million euros. Nonetheless, market penetration in this segment still accounts for less than one percent of the gross domestic product.

Sergio Ghibellini: "This shows just what enormous potential for growth there is for us here."

Experts calculate that with predicted economic growth of four percent, consumer spending will increase by 10 to 15 billion US-dollars per year. Part of this money will certainly be allocated to safeguarding this prosperity and to retirement provision.

Sergio Ghibellini: "We are well prepared to meet this demand with suitable products and services."

Mexico's example illustrates once again how important sustainable growth is for the development of a stable middle class, which in return reinforces consumption with its purchasing power and thus ensures continued growth, more jobs, increased prosperity and stable domestic demand. And finally, yet another piece of good news: according to a recent study, Mexican consumers are currently assessing their financial situation more positively than at any other time in the last five years. Solid finances, sustainable growth, an expanding middle class and optimism: Mexico has more to offer than just sun, sand and beaches.

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Download Cigna Global Health Options Brochure

Download Cigna Global Health Options Brochure

Cigna Global Health Options

Cigna Global provides international health insurance for Expatriates living abroad. Cigna combines years of experience in private medical insurance with an understanding of the service and customer care you need.

Our International Health Plans Explained

With Cigna you can create a health insurance plan that's perfectly tailored for the needs of you and your family by offering you the reassurance of comprehensive core cover, and the flexibility of adding as many extra benefits as you want.

Cigna Global

Our Core Cover:

International Medical Insurance - your essential core cover, for all inpatient, day case surgery and accommodation costs. In addition, essential cover for cancer, maternity and psychiatric care on an inpatient, outpatient day case basis.

Our Optional Benefits:

International Medical Insurance Plus - additional and more extensive outpatient cover that protects you for any treatments that don't require a hospital stay.

International Emergency Evacuation - peace of mind cover for transport and repatriation costs for you and a family member if you need treatment in another country.

International Health and Wellbeing - allows you to manage your health in your own way with cover for screenings, tests, examinations and other wellbeing activities.

International Vision and Dental - complete cover for all your vision and dental costs.

Our experience

Cigna has worked in international medical insurance for more than 30 years.

Today, we have 60 million customer relationships around the world. Looking after them is an international workforce of 30,000 people, plus a network of more than 900,000 hospitals, physicians, clinics and health and wellness specialists.

Our full-time, clinical team is led by physicians. We have years of experience in dealing with varied and unique clinical and service situations worldwide.

Our vast experience means we provide high standards of healthcare, regardless of where you are in the world.

Why Cigna:

Our customers choose us for their international health insurance because only Cigna Global Health Options gives you all the following benefits:

  • Access to our global network of trusted hospitals, clinics and doctors
  • The flexibility to tailor a plan to suit your individual needs
  • The convenience and confidence of Cigna customer care
  • The reassurance of our experience in delivering international healthcare
  • Globally compliant healthcare plans

Company: Cigna Global Health Options

Address: 220 St Vincent Street, Glasgow, Scotland, G2 5SG

Phone: +44 (0) 1475 492119

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Web: www.cignaglobal.com

 

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Download GeoBlue Xplorer Brochure

Download GeoBlue Xplorer Brochure

GeoBlue is a leader and innovator serving the needs of world travelers. GeoBlue Expat® and GeoBlue Traveler® group health plans combine unsurpassed service and mobile technology to help you access trusted doctors and hospitals all around the globe. GeoBlue offers expatriate and traveler products in cooperation with participating Blue Cross Blue Shield companies. Select a state below to view a list of Blue companies and learn more about the expatriate and traveler product offerings.

Company: GeoBlue

Address: One Radnor Corporate Center Suite 100 Radnor, PA 19087 USA

Phone: +1 610 254 5300

Fax: +1 610 482 9953

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Web: https://www.geo-blue.com

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Integra Global Family Health Plans

Integra Global Life Plans

Health plans from Integra Global allow your staff complete freedom of choice for doctors, specialists and hospital providers, worldwide. Let international medical insurance cover your staff while they are temporarily back in the U.S. and Canada. Our network of hospitals and doctors serves as a passport to the largest health network in North America. For our international health insurance customers, our global support service means that your staff can rely on the best care, worldwide: when the need it, where they need it, in some of the world's leading centers of medical excellence. While your staff members are assigned abroad, you don't want to worry about what their international health insurance policies cover.

Instead you need a comprehensive cover that takes care of the big things as well as the small. Medical evacuation, travel assistance or claims translations, not features you would normally find in a straightforward domestic plan but all essential in an expatriate medical insurance for your international based staff. And we have the comprehensive cover that you would expect from a quality health plan such as chronic conditions cover, hospitalization, prescription drugs, out-patient, wellness benefits, and physician office visits to name just a few. Integra Global utilizes the UnitedHealthcare Network.

Plan 1 members have access to 5,200 hospitals and 650,000 health care professionals through the UnitedHealthcare Network. All treatment in the U.S. must be pre-certified. Make sure your provider pre-certifies your medical treatment. Utilizing the UnitedHealthcare network simplifies your pre-certification process and claims filing.

Company: Integra Global

Phone U.K: 0808 101 3483 (toll-free)

Germany: 06221 825 650

North America: 1 888 753 1377 (toll-free)

Worldwide: +1 888 753 1377

Fax International: +1 800 774 3608 (toll-free)

E-mail: This email address is being protected from spambots. You need JavaScript enabled to view it.

Website: www.integraglobal.com

 

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New Prima Healthcare Plan Guide Launched by ALC Health

New Prima Healthcare Plan Guide Launched by ALC Health

Download the Brand New Prima Healthcare Plan guide launched by ALC Health recently. 

For over 10 years, ALC Health has been looking after and protecting the health of individuals, their families and international companies from across the world with a range of flexible and innovative international health insurance plans that reflect the lifestyle of today's expatriate international traveller and global citizen. With many of our advisors having been expatriates themselves, we really do understand what it's like to be living far away from home or in a country where healthcare treatment may not always be readily accessible.

à la carte healthcare (ALC Health) is an award winning international medical insurer who for over 10 years has been protecting the health of private clients, companies and organisations across the globe. The company continues to grow and develop on a philosophy of ensuring that every policyholder whether as a private individual or a member of a corporate group is assured of the highest level of personal service and support.

It is this experience that has enabled ALC Health to stand out as an international medical insurer that is able to bring together a range of quality products supported by the highest level of service, at a very personal level and has long been seen as a preferred choice of international expatriates looking for a more personalised and caring approach to their healthcare needs.

Click here to read more about ALC Health in the iPMI Magazine Medical and Health Insurance Company Guide and Directory.

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You Are Global

You Are Global Overseas Health Insurance

 

You Are Global is a leading international health, expat, life and travel insurance broker and intermediary, based in Brazil. You Are Global works with leading private medical insurance providers and companies like IMG, Cigna, HCC, Now Health International and Allianz Worldwide Care. You Are Global caters specifically for expatriates, travelers and tourists, working, living and visiting Brazil. You Are Global has specific expertise working with Spanish speaking cultures around the world whilst also proving international health, medical, travel, expat and life insurance plan to the out bound travel market in Brazil.

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Expatriate Health Insurance

Compare Expatriate Health and Medical Insurance Plans, Coverage, Quotes and Companies, with iPMI Magazine. iPMIM represents leading providers of expat medical, health and travel insurance plans. Find the right and most appropriate Expatriate Health Insurance for overseas travel, global mobility and relocation