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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

Protect Yourself Against An Unexpected Cancellation Warns International Travel Assistance And Medical Expert Allianz Global Assistance

Over 90% of travel insurance ‘cancellation’ claims are because of the death, serious injury or serious illness of the policyholder or their travel companion, family member or business associate. Jury service or court witness, burglary/serious damage to home and redundancy account for the remaining 10% of travel insurance cancellation claims.1 in 5 people purchase travel insurance ‘shortly’ before going on holiday.

According to the latest survey from travel insurance provider, Allianz Global Assistance UK, 1 in 5 purchase their holiday insurance less than a fortnight before they are due to set off. This could have disastrous consequences warns Allianz Global Assistance, as travel insurance is essential for protecting holiday makers from the unexpected ‘before’ a holiday, just as much as ‘during’ their holiday.

“Our survey shows that a significant number of people buy travel insurance at the last minute, or worse still, don’t bother at all. This leaves them exposed to all sorts of financial risks, including cancelling the holiday. If you book your holiday some months in advance of going away, and leave it to the last minute to purchase insurance, you run the risk of losing a significant proportion or all of the cost of the holiday if you have to unexpectedly cancel it,” explains Paul Doran, Head of Travel Operations at Allianz Global Assistance in the UK.

“Death, serious injury or illness of you, a loved one or someone associated to your travel plans, is the number one reason for people cancelling holidays, but if you purchase insurance at the time of booking your holiday your insurer will most likely reimburse your costs. We also urge travellers to make a full health declaration to their insurer immediately, to make sure they are covered for cancellation, as well as emergency medical treatment abroad,” continues Paul Doran.

Allianz Global Assistance goes on to advise that anyone buying insurance must declare all existing medical conditions and if they are unsure what to declare or the correct medical name for a condition, they should ask their GP. People must not make a declaration on behalf of a relative, unless they know all the details of their existing medical conditions.

Allianz Global Assistance Travel Insurance Tips

  • Buy a travel insurance policy as soon as you book a trip.
  • Make a full health declaration immediately to your insurer to make sure you are covered for cancellation as well as emergency medical treatment abroad.
  • If you are unsure what medical conditions to declare or the correct medical name of your condition ask your GP.
  • Don’t make a declaration on behalf of a relative unless you are absolutely sure you know all the details of their existing medical conditions.
  • Remember to take a European Health Insurance Card (EHIC) if travelling to Europe.
  • Remember that an EHIC is not a substitute for travel insurance.
  • Don’t take the risk and travel without full travel insurance.
  • Ensure you insurance adequately covers your holiday experience, such as golf, winter sports, water based or other activities.

Paul Doran concludes, “Our message to travellers is: don’t take a risk and travel without full cover. Medical expenses abroad, particularly in the USA, Caribbean, Mexico and parts of Asia, can be extremely expensive, costing more than an entire holiday. For no more than the cost of a family pack of sun tan lotion, holidaymakers can buy travel insurance, offering them protection and support in both the countdown to the holiday and when they are abroad.”

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EAA Joins List Of AMREF Flying Doctors’ Professional Partners

The services provided by AMREF Flying Doctors and European Air Ambulance are perfectly complementary, and already have many years of experience of working together.

European Air Ambulance relies on AMREF Flying Doctors for medical evacuation out of remote areas to fly patients into an international airport, where EAA can perform a wing-to-wing transfer of the patient to one of its aircraft for transport back to Europe, North America or any other requested destination. European Air Ambulance can rely on the expertise and decades of experience of its founding members, DRF Luftrettung and Luxembourg Air Rescue. Like AMREF, they were founded by people with vision and a burning desire to help improve the efficiency of emergency medical transport.

Over the years, EAA has proven itself to be a leader in providing global patient repatriation services. It is a commercial operation that provides a range of worldwide air ambulance repatriation services to insurance and assistance companies, governments and NGOs, corporations and individuals. Its team of experienced multi-lingual medical experts includes specialists in neo-natal and paediatric care.

EAA can organise the complete transport of the patient - alerting the appropriate medical staff and flight crew, preparing the aircraft with all the necessary medical equipment and medicines, consulting with the physicians who have already treated the patient, planning the flight route, coordinating delivery of the patient to the pick-up airfield and ensuring ground transport at the other end.

EAA has a fleet of seven air ambulances fitted with state-of-the-art medical equipment and necessary medication to ensure outstanding patient care. It has recently been upgrading its fleet to include three fully equipped Learjet 45XR aircraft, which provide greater range, cabin configuration flexibility and improved comfort for passengers. The other four aircraft are Learjet 35A air ambulances.

“We greatly appreciate the professionalism, experience and flexibility of AMREF Flying Doctors. In our mind, AMREF has the best knowledge and expertise for Africa in general and East Africa in particular,” says Patrick Schomaker, director sales and marketing at EAA.

Related reading: European Air Ambulance (EAA) Joins iPMI Magazine Air Ambulance Accreditation Round Table

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The European Health Insurance Card: What Does it Really Cover Holidaymakers for?

The European Health Insurance Card: What Does it Really Cover Holidaymakers for?

Asda Money looks at the European Health Insurance card (EHIC) and the level of cover it provides for holidaymakers overseas. Brits are struggling to cope with rising living costs but can't give up their holidays. Some 44% of people believe that a holiday and weekend breaks are a lifestyle essential. As a result 23% of people are not willing to cut back on holiday spending1.

This EHIC is a medical card accepted by hospitals and clinics in the European Union as well as Iceland, Liechtenstein, Norway and Switzerland. In the UK, healthcare is free with the National Health Service (NHS), however, this is not the case in a number of European states. This means that if you have an accident or need medical attention when travelling in mainland Europe, you will have to pay for treatment or services. With the EHIC card, some of those costs are absorbed, but what are you covered for? Benefits of an EHIC This card covers medical treatment you might need if you fall ill or have an accident during your visit to European countries.

It also covers treatment for long-term conditions and existing illnesses. You can have access to state medical care but not private medical treatment with this card. The EHIC card can help holidaymakers when faced with medical expense overseas, but it doesn't replace single trip or holiday travel insurance cover. This is because that the EHIC may not cover specific costs met under travel insurance policies including mountain rescue in ski resorts and the cost of repatriation by air ambulance or commercial airline, with a medical escort. Travel insurance also provides cover for a host of added extras such as luggage loss or cover if your holiday is unexpectedly cut short.

The EHIC was introduced in 2006 and was designed to replace the old E111. This card is valid for five years and can be renewed for free. You can get an EHIC cards free from the official website. It is also important to note, that state run healthcare systems and facilities, in other EU countries, may not be to the standard you are use to in the UK. Waiting lists, poor appointment management and other common issues also exist outside of the NHS.

1. Brits spending on 'lifestyle essentials' increases to £158 billion http://www.lv.com/about-us/press-media/article/brits-lifestyle-spending

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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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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.

How can we help?

If you are an international citizen and need a medical coverage which knows no boundaries, you are in the right place. We understand the world has evolved and business and study programs are not limited to the place we live. And this also happens to international travel opportunities: nowadays, travel abroad is easy due to globalization. In the other hand, we know that having a comprehensive, continuous and worldwide medical coverage is mandatory to an international citizen. Therefore, from now on you can access all solutions ValenteRocha provides throughout “You are global – SeguroSaúdeemViagens” program.

You can have a global support, with online assistance, quoting and contracting your international medical coverage with adjustable options as you have never seen. Now you have access to the most comprehensive medical coverage plan available in the American Health Insurance Style. *You are Global – Seguro Saúde em Viagem”isValenteRochaproperty for international medical coverage plans.

Safe On-line Shopping

The whole process of your international medical coverage shopping can be on-line, throughout the internet. In this channel, you can have the quotation you need, revise the offered coverages, fulfill your personal data and send, directly to the enterprise, your international medical coverage request. We know that, due to the nature of our solutions, some personal information is confidential. Then, the entire information submitting process is confidential and all personal information is sent directly to underwriting department which is under a severe clause of confidentiality regarding our clients` information. All this provides you peace of mind. All the shopping system is secured by a safe site and digital certificate, which ensures the online shopping. In other words, we are ready for you to have what is the top of the best medical coverage available, aligned with an customer service and underwriting processes with are modern, safe and dynamic.

Company: You Are Global

Address: R.Lima Barreto, 442, Curitba, Brazil

Phone: +55 41 3527 2680

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

Web: www.youareglobal.com

 

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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