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iPMI Magazine Has Moved

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

AOC Insurance Broker Launch Revolutionary App Featuring International Health Insurance Comparative Search Engine With E-Health Services

AOC Insurance Broker, the leading international private medical health insurance comparator, is pleased to announce the launch of a revolutionary new mobile application featuring a comparative search engine for expatriates searching for health insurance and Healthtech services. The app has been christened AOC ExpatCare.

20/6/2017 and AOC Insurance Broker was awarded the Label finance Innovation by Finance Innovation & French Tech for its platform and a new application AOC Expat Care.

FINANCE INNOVATION is led by Mrs Christine Lagarde, Minister of the Economy and encourages the facilitation and development of innovative projects and research with high added value in the financial sector. AOC Expat Care allows users to compare insurance offers provided by the market and proposing electronic health services using IOT technology with the goal to be always more innovative and developing its services based on prevention.

Current or soon-to-be expats will be able to log-in from their smart phones and get a real-time comparative offer, depending on the country, package and medical benefits required.

This application has been designed to display real-time ascending price orders available on the market and to provide clear details on the benefits. Users will also have access to various and relevant information. And in case you may need to get specific information or expertise, you will be able to contact an AOC consultant 24/7.

The main highlight of this application and our reward program AOC The Family is to blend digital and human solutions for a tailor-made offer in the 3 following sectors with artificial intelligence & internet of things:

  • Your online health: direct access to remote consultancy, second medical expertise, tools to manage chronic and pre-existing conditions, health checks solutions etc…
  • Your online diet: proposing you diet and nutrition programs adapted to your needs.
  • Your online sports/P.E: possibilities with recording and monitoring your performances, your calories burnt during your training, to monitor your heartbeat or your sleep, among other innovative tools.

Users will be totally empowered and able to experience an extensive range of new tools and services on their connected wearables: watches, wristbands, scales, electro stimulators, cardio sensors…

These services will be available via fidelity points earned from our loyalty program “AOC The Family”. Points can be easily earned by subscribing to any of our services, including new subscriptions and contracts renewals or by simply advocating and recommending AOC Insurance Broker to your network.

With this new tool, AOC Insurance Broker is aiming at proposing unparalleled health services to individuals but also to corporates and international mobility workers thanks to an extensive panel of tailor-made programs.

AOC Insurance Broker: Get Better, Get Healthier. Website: www.aoc-insurancebroker.com

AOC Expatcare: www.aoc-expatcare.com

 

 

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International Health Insurance Comparison

International Health Insurance Comparison

Frequent flyers, business travelers, students, leisure travelers, medical health tourists and expatriates utilize International Private Medical Insurance Magazine to make a comparison and source, compare and select the most suitable International Health Insurance. Global Brokers and Intermediaries stay one step ahead of the crowd with the latest International Health Insurance Plan news and intelligence.

Where ever you are now, understanding International Health Insurance requirements and making a comparison is vital to safe, risk free Global travel.

Accidents do happen and when you least expect it. Insuring you have the right type of International Health Insurance will mean, should you fall sick overseas or have an accident, you will not be faced with a large medical bill, or even worth, insufficient medical care and treatment.

Since 2009 International Private Medical Insurance Magazine has been providing mission critical news and information about International Health Insurance to expatriates, individuals, groups, corporate clients, brokers and intermediaries. Select the right and most appropriate International Health Insurance plan for leisure, business, educational or health travel purposes, with the help and assistance of International Private Medical Insurance Magazines Online International Health Insurance Company and Plan Guide and Directory.

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Australia Travel Advice and Warnings For Expatriates, Tourists and Business Travelers

Take out comprehensive travel and medical insurance before you travel. Over 590,000 British nationals visit Australia every year. Most visits are trouble-free.

Australia is prone to seasonal natural disasters including tropical cyclones, flash flooding, dust storms and bushfires (forest fires). Local authorities anticipate the 2013/14 bushfire season could be more dangerous than usual as the pre-conditions for bushfires have worsened in the past year.

Several large bushfires around New South Wales in October 2013 have resulted in two deaths, around 250 properties destroyed and another 130 damaged. Further severe weather conditions are forecast. A state of emergency has been declared, with communities on alert to evacuate at short notice. Check with State authorities for up-to-date information.

Australia is a vast country. You should plan journeys carefully, particularly if you’re travelling to remote areas, bushwalking or going swimming. You will need to get a visa before you travel. Beware of scam adverts claiming to help you extend a working holiday visa. Several British nationals have had their visas cancelled as a result.

Australia Travel Advice and Warnings For Expatriates, Tourists and Business Travelers

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HCC Ratings Affirmed by A.M. Best and Fitch

HCC Insurance Holdings, Inc. (NYSE:HCC) today announced that A.M. Best Company, Inc. and Fitch Ratings have affirmed the Company's ratings.

"We are very pleased that A.M. Best and Fitch have affirmed HCC's financial strength ratings of "A+" and "AA," respectively. These strong ratings reflect our continued commitment to underwriting discipline and consistent profitability," said Christopher J.B. Williams, HCC's Chief Executive Officer.

On October 3, 2013, A.M. Best announced that it had affirmed the "A+ (Superior)" financial strength ratings (FSR) and "aa" issuer credit ratings (ICR) of the property/casualty companies in the Houston Casualty Group and HCC Life Insurance Company. Additionally, A.M. Best affirmed ICR and debt ratings of "a" on the holding company's $300 million 6.300% Senior Notes due 2019. The outlook for all of A.M. Best's ratings is Stable. The following property/casualty insurance companies comprise Houston Casualty Group, as defined by A.M. Best:

  • Houston Casualty Company
  • U.S. Specialty Insurance Company
  • Avemco Insurance Company
  • HCC Specialty Insurance Company

A.M. Best also affirmed the "A+ (Superior)" FSR and "aa-" ICR for the following insurance company subsidiaries:

  • American Contractors Indemnity Company
  • United States Surety Company

On October 1, 2013, Fitch Ratings announced that it had affirmed the "AA (Very Strong)" insurer financial strength (IFS) ratings for HCC's insurance company subsidiaries and the "A+" issuer default rating for HCC Insurance Holdings, Inc.

In addition, Fitch affirmed the "A" debt rating on the holding company's $300 million 6.300% Senior Notes due 2019. The outlook for all of Fitch's ratings is Stable.

These IFS ratings apply to the following insurance company subsidiaries:

  • Houston Casualty Company
  • U.S. Specialty Insurance Company
  • Avemco Insurance Company
  • HCC Specialty Insurance Company
  • HCC Life Insurance Company
  • American Contractors Indemnity Company
  • United States Surety Company

Headquartered in Houston, Texas, HCC Insurance Holdings, Inc. is a leading specialty insurer with offices in the United States, the United Kingdom, Spain and Ireland. As of June 30, 2013, HCC had assets of $10.2 billion and shareholders' equity of $3.5 billion. HCC's major domestic and international insurance companies have financial strength ratings of "AA (Very Strong)" from Standard & Poor's Corporation, "A+ (Superior)" from A.M. Best Company, Inc., "AA (Very Strong)" from Fitch Ratings, and "A1 (Good Security)" from Moody's Investors Service, Inc.

For more information about HCC, please visit http://www.hcc.com.

 

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Travel Advice and News Thailand

Take out comprehensive travel and medical insurance before you travel.

Over 800,000 British nationals visit Thailand every year. Most visits are trouble-free, but incidents of crime (sometimes violent) can affect visitors.

Rubber farmers in Nakhon Si Thammarat in southern Thailand have been involved in violent anti-government protests which have blocked roads and caused disruption.

You should avoid demonstrations and protests.

The majority of road traffic accidents in Thailand involve motorcycles, but accidents involving other vehicles including cars, coaches and mini-buses also occur.

By law you must carry your passport with you at all times.

Tourists have been arrested because they were unable to produce their passport.

Penalties for possession, distribution or manufacture of drugs are severe and can include the death penalty.

Medical, Travel, Health Insurance for Expatriates, Business Travel and Leisure Travelers/Tourists

Take out comprehensive travel and medical insurance before you travel to Thailand.

Top tips for Travel to Thailand

Seeking medical, health, travel or expatriate insurance for travel or relocation to Thailand?

You can find a wide range of medical, travel, expatriate and health insurance companies that may be able to provide insurance plans and cover, for group and individual healthcare, when travelling to Thailand, in the iPMI Magazine Thailand Travel, Medical, Expatriate and Health Insurance company guide, click here.

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Travel Advice Ghana

Around 70,000 British nationals visit Ghana every year. While most visits are trouble-free, violent crime can occur at any time. Be particularly vigilant in public areas, and take care when travelling by road. Localised outbreaks of civil unrest can occur at short notice in the north of Ghana. There is an underlying threat from terrorism. Take out comprehensive travel and medical insurance before travelling.

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Archipelago Insurance Ltd Enters Malaysian Medical Insurance Market

Archipelago Insurance Ltd Enters Malaysian Medical Insurance Market

Archipelago Insurance, a general insurer, licensed by the Labuan Financial Services Authority is launching Ultracare medical insurance plans, developed by InterGlobal, a UK private health insurer. Ultracare will be marketed through both offshore and locally registered insurance brokers, plus through licensed financial advisors at the Bank Negara Malaysia.

Commenting, Archipelago Insurance Group director Alan Chew Cheong Yew said: “We hope to attract 500 clients within our first year of selling the product, generating about RM7.5 million in gross premiums.”

According to Chew, the target market will be expatriates and high net-worth individuals looking for customized comprehensive international private medical insurance plans that will provide the right cover, at the right time. Target market will initially focus on the Klang Valley growing to include areas with high a concentration of expatriates like Johor Baru, Penang and cities in East Malaysia.

The International consultant company Roland Berger Strategy Consultants recently reported, that Malaysia’s medical and insurance sector is expected to more than triple by 2020 to reach US$5 billion, from its current US$1.5 billion, presenting excellent growth opportunities for the health insurance sector.

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A.M. Best Affirms Ratings of TOWER Medical Insurance Limited

A.M. Best Asia-Pacific Limited has affirmed the financial strength rating of A- (Excellent) and issuer credit rating of “a-” of TOWER Medical Insurance Limited (TMI) (New Zealand). The outlook for both ratings is stable. TMI was sold as a wholly owned subsidiary to nib holdings limited (the nib group) in November 2012. The nib group is a health insurer established over 60 years ago and is the only listed health insurer on the Australian Stock Exchange.

Currently, the nib group provides health insurance to over one million Australian and New Zealand residents. The rating affirmations reflect TMI’s consistent underwriting results and good liquidity position, which indicates adequate margins of protection for unexpected claims and liquidity needs. The ratings also consider the nib group’s parental support in areas of strategic initiatives and risk management.

Offsetting these positive rating factors are the dividends paid by TMI over fiscal year 2013. Although TMI’s premiums continued to grow and generate positive earnings, the amount of dividends paid exceeded its net profits earned. This resulted in a decline in TMI’s risk-based capitalization, as measured by Best’s Capital Adequacy Ratio (BCAR).

An upgrading of TMI’s ratings is unlikely in the near term. Negative rating actions may occur if economic and/or industry factors lead to underwriting losses or there is a significant and continuous deterioration in the company’s risk-adjusted capitalization. The methodology used in determining these interactive ratings is Best’s Credit Rating Methodology, which provides a comprehensive explanation of A.M. Best’s rating process and contains the different rating criteria employed in the rating process.

Best’s Credit Rating Methodology can be found at www.ambest.com/ratings/methodology. Ratings are communicated to rated entities prior to publication, and unless stated otherwise, the ratings were not amended subsequent to that communication. A.M. Best Asia-Pacific Limited is a subsidiary of A.M. Best Company. A.M. Best Company is the world's oldest and most authoritative insurance rating and information source. For more information, visit www.ambest.com.

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Travel Advice Thailand

Travel Advice Thailand

The Foreign and Commonwealth Office (FCO) advise against all but essential travel to the provinces of Pattani, Yala, Narathiwat and Songkhla on the Thai-Malaysia border.

The FCO advise against all travel to the Preah Vihear (Khaoi Pra Viharn in Thai) temple area and the Ta Krabey/Ta Moan temple area located on the Thai-Cambodian border due to the presence of troops in the area and the risk of outbreaks of fighting. There is a high threat of terrorism.

There may be an increased risk of anti-western sentiment linked to the possibility of military action in Syria. Keep up to date with developments, be vigilant and avoid any protests or demonstrations.

The majority of road traffic accidents in Thailand involve motorcycles, but accidents involving other vehicles including cars, coaches and mini-buses also occur.

By law you must carry your passport with you at all times. Tourists have been arrested because they were unable to produce their passport. Penalties for possession, distribution or manufacture of drugs are severe and can include the death penalty.

Take out comprehensive travel and medical insurance before you travel. Over 800,000 British nationals visit Thailand every year. Most visits are trouble-free, but incidents of crime (sometimes violent) can affect visitors.

Medical, Travel, Health Insurance for Expatriates, Business Travel and Leisure Travelers/Tourists

Take out comprehensive travel and medical insurance before you travel to Thailand.

Top tips for Travel to Thailand

Seeking medical, health, travel or expatriate insurance for travel or relocation to Thailand?

You can find a wide range of medical, travel, expatriate and health insurance companies that may be able to provide insurance plans and cover, for group and individual healthcare, when travelling to Thailand, in the iPMI Magazine Thailand Travel, Medical, Expatriate and Health Insurance company guide, click here.

Read more...

Travel Advice Armenia

Travel Advice Armenia

The Foreign and Commonwealth Office (FCO) advise against all but essential travel in the area of the closed border between Armenia and Azerbaijan, particularly in the Tavush and Gegharkunik regions. The FCO advise against all travel on the road between Ijevan and Noyemberyan, which passes close to the border.

In April and June 2012, there were reports of ceasefire violations along the Armenia-Azerbaijan border which resulted in a number of deaths and casualties. As a result of possible international military action in Syria there may be an increased risk of demonstrations by groups opposed to the intervention. Keep up to date with developments, be vigilant and avoid any protests or demonstrations.

The British Embassy can’t provide consular assistance or advice to visitors to the Nagorno-Karabakh region. There is a low threat from terrorism. Avoid all demonstrations and large public gatherings. In May 2012 a gay-friendly bar in downtown Yerevan was attacked and a diversity march in central Yerevan was disrupted by nationalist groups.

From 10 January 2013, British and EU passport holders no longer require a tourist visa to visit Armenia.

Take out comprehensive travel and medical insurance before you travel.

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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