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iPMI Magazine Speaks With Simon Miller, Senior Director of Proposition at Aetna International

iPMI Magazine's CEO, Christopher Knight, speaks with Simon Miller, Senior Director of Customer Proposition at Aetna International.

They deep dive into how COVID-19 has impacted the mental health agenda, what employers can do to ensure a thriving workplace, and how apps and coaching via text can build positive coping mechanisms.

Hi Simon. Can you tell us a bit about how you first got started in health insurance and have you’ve seen it change over time?

I’ve been in product, proposition and innovation roles in health insurance for the past 15 years – the last two with Aetna International having come from a UK domestic PMI provider. It’s been a fascinating journey as product development has moved way beyond treatment benefit limits to answering wider everyday customer health needs. We’ve also seen a big shift in taking a proactive holistic approach to health – emotional, mental and physical – as well as a focus on keeping people healthy rather than intervening when someone becomes sick.

COVID-19 has clearly had a big impact on people’s mental health. What does that mean for employers who want to put in place robust support?

The pandemic has really shone a spotlight on the importance of workplace culture, mental health and well-being. Everyone has mental health, whether it’s poor or flourishing, and people can be at different stages of this complex journey. Our focus often falls on those who are unwell first. However, many people are not at that stage and may never reach it, if supported early enough. So, companies need to look for ways that their employees can approach positive mental fitness in the same way they’d approach physical fitness – prioritising well-being because it helps you achieve a well-balanced lifestyle and positive mindset, not because you’re ill or at risk.

Previously, we’ve seen the cost of well-being driving the agenda, through metrics like lost productivity, absenteeism and presenteeism. But, in my opinion, it’s time for a change in rhetoric. While these are important measures, they tend to focus on the negative and the few in that space that are struggling or at crisis point. Instead, wouldn’t it be exciting to see a shift in focus to measuring the positive impacts of a well-executed well-being strategy across a workforce? One where we hold ourselves to account on more holistic measures like sense of purpose, energy, connectedness, happiness and gratitude? Businesses could then validate the impact of the initiative back to harder measures like staff retention, job satisfaction and even, dare I say, health insurance claims and outcomes. In the future, we might even start to see the positive mental well-being of a workforce featuring in annual reports and influencing share price – a prospective that excites me.

What’s the role of a health insurer in achieving this in your view?

It’s about supporting both the employer and the employees, making sure the employer is aware of what’s available and helping to drive engagement. Sometimes employers aren’t aware of the full range of services available to them – from education and training to toolkits and apps for employees – so the first thing I’d recommend is a conversation with your insurer to make certain you’re tapping into everything your cover offers.

At Aetna International, for example, our focus is on empowering the member. We recognise different well-being needs and preferences, and ensure these feed into straightforward customer journeys that triage and navigate to appropriate onward support. In practice, this could be self-help tools, virtual primary care, other therapeutics via phone or video, or specialist in-person treatment. We’re also seeing apps gaining in popularity. People are familiar with the format, they’re convenient to access when and where needed, and they’re a straightforward point of entry for self-care support.

Where does your recent launch of the Wysa app fit into this?

Wysa is like having a mental well-being buddy in your pocket. It’s an app that uses conversational language to enable people to openly but anonymously share thoughts and feelings in a safe place, via text, on their terms, at any time of the day. The AI-driven chat function is really clever, having been programmed by therapists. It learns from you, so people can reflect on their thoughts and feelings and be guided to appropriate next steps, from self-help resources to coaching with a professional.

 

It's a great example of how digital tech can effectively bridge a spectrum of need and build positive coping mechanisms – not everybody is ready to speak to a stranger or commit to a structured counselling programme. It’s secure, confidential and solves the practical issue of having private conversations when private space may be hard to come by. So it’s a very accessible front door to enhance everyday positive emotional and mental health, and we see it as a key tool to support early engagement.

Does Aetna provide this approach to their own staff?

Yes, I’m pleased to say we’ve made sure we are walking the walk with our own staff. We’ve taken note of findings from our recent report, The Digital Health Dilemma, which highlighted how tech can be a double-edged sword when it comes to well-being, and looked to both digital and non-digital solutions for our employees.

For example, in terms of using tech solutions, we made sure everyone could access our virtual primary health care service, vHealth, so that they could talk to a GP without having to visit one physically. We also provided Wysa, which quickly became an invaluable tool for employees to deal with everyday anxieties associated with change, uncertainty, and the personal challenges associated with working and schooling from home.

To improve social connectedness, we’ve undertaken a very successful webinar series called ‘Let’s Get talking’, involving bi-weekly remote get-together sessions across our regions to pause, reflect, connect and share. These have been facilitated by our partner Rob Stephenson, a mental health campaigner and founder of Form. This is a simple but effective tool we’ve used to ask ourselves ‘How are you today?’ and get a regular temperature check across our teams. We’ve all taken a lot of inspiration and learning from Rob, from each other and from our guest speakers who’ve shared their personal mental wellbeing challenges – from CEOs to Olympic athletes.

In addition, we’ve recognised the need to provide further mental health training for managers, to equip them with the skills and confidence to have insightful, empathetic conversations with their teams. We want to be sure they can spot the early signals of distress and, if appropriate, navigate their staff to the right resources and support available to them.

What signs have you seen that show how COVID-19 has impacted mental health?

We’ve seen significantly increased demand for our services. Our Employee Assistance Programme, for example, has seen a huge increase in calls – a lot of which have been for ‘in-the-moment’ and crisis support. Concerns about job security, finances and the health of loved ones have been very high on the agenda. In fact, I think it has brought to the fore the need to support our members in looking after others – particularly if people are living overseas and away from social support networks amidst the restrictions.

We’ve also seen a significant increase in the utilisation of vHealth, which has been there not only to support access to primary care for those with or without symptoms, but also for those needing mental health support or requiring diagnosis, medication and onward specialist referrals. And we’ve seen much higher engagement in our health and well-being content and member offers such as the partner apps we promote to support self-care for Mind and Body.

Some of this might be due to need or limitations in access to existing physical support services. But I think some of it is also because people have had a bit more time to prioritise their health and explore what they have available to them. If there is a silver lining to the pandemic, it might just be that we’ve seen the start of a tipping point to people giving their holistic health the importance it deserves.

 

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Bupa Global Offers Maternity App To Business Customers

Bupa Global has launched Bupa Due Date Plus, a maternity app designed to support working women throughout their pregnancy. Bupa Due Date Plus is designed for clients looking to better support their employees, providing help and information throughout pregnancy for both the expectant mother and if desired, their partner. 

Bupa Due Date Plus is available to Bupa Global customers now.  Features of the app include a personalised pregnancy plan, week-by-week updates, a due date calculator, weight gain tracker, baby-kick counter, and an issues and symptoms checker.

New Bupa Global research* has revealed that a fifth (22%) of women who have worked whilst pregnant said their employer was not supportive enough. In addition to wanting better reduced or flexible hours, women who didn’t feel supported at work said their employer could have provided more in-pregnancy health information, options for working at home, and clearer information about the company’s policies such as maternity leave and benefits.

Patrick Watt, Commercial Director Europe, Bupa Global says, “Our research showed that nearly eight in ten (79%) of mothers found working whilst they were pregnant both mentally and physically challenging. Businesses everywhere are increasingly engaged with employee health and wellbeing, but formalised maternity support is relatively limited. Offering the Bupa Due Date Plus app is one way that businesses can support pregnant employees in a way that benefits mother, baby and the rest of the workforce.”

He continued, “What’s more, the app delivers proven improved health outcomes, not only engaging the mother with their baby’s wellbeing right from the start, but it also offers their partner the ability to engage via the app at every stage of the pregnancy.”

The app includes a Symptoms & Issues section which contains more than 70 different clinical content screens that cover the most common symptoms and issues experienced during pregnancy, giving users access to quality medical guidance whenever they need it, and the ability to call relevant contacts such as your doctor or midwife, from within the app. In addition, users can:

  • Track their weight gain
  • Keep a list of things to discuss with their doctor
  • Set reminders for appointments
  • Watch ultrasound videos showing what babies look like at each stage of pregnancy
  • Get daily updates and tips

The app is powered through a partnership with Wildflower Health, a leading mobile health software company. To download the app, visit your app store and search “Bupa” or follow these links for the App Store or Google Play Store.

For more information on Bupa Due Date Plus and Bupa Global, visit www.bupaglobal.com

 

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Best Doctors® Announces Record Global Growth In 2016

BEST DOCTORS® ANNOUNCES RECORD GLOBAL GROWTH IN 2016, ADDING OVER 140 NEW CLIENTS, MAJOR PARTNERSHIPS, STRATEGIC INVESTMENTS, AND MORE THAN FIVE MILLION NEW MEMBERS

Best Doctors continues to innovate in expert second opinions while combatting misdiagnosis and saving millions in wasted health care costs

Best Doctors, the global health company that solves the unsolvable in health care, has announced a landmark year in 2016 that led to the addition of over 140 new clients and more than five million new members with access to its award-winning expert medical second opinion and information services. The Company now serves over 40 million members worldwide, nearly 14 times more than the nearest competitor. In 2016 alone, 18 more Fortune 500 companies chose Best Doctors to serve their valuable employees.

In addition to the hundreds of clients already offering Best Doctors services, over 140 more of the world's leading employers and insurers turned to Best Doctors in 2016 to provide their valuable employees and policy holders with state-of-the-art tools and services to combat rising costs, medical uncertainty and misdiagnosis. The Company's ongoing investments in analytics and technology have helped establish it as a leader in proactively identifying the right populations for intervention.

"Helping people get the medical answers they need is at the heart of our mission," said Peter McClennen, Chief Executive Officer at Best Doctors. "While others try to imitate the model that Best Doctors has perfected over 27 years, they still represent less than 8% of the number of lives that Best Doctors covers. It's because leading employers see that Best Doctors is so much more than just a rushed second opinion. We are innovators that are changing the paradigm of health care, with the ability to scale for any organization, while saving millions in wasted health care costs."

In 2016, Best Doctors announced a major partnership with IBM Health and its cognitive computing service, Watson, to use the power of data to help cancer patients find the right treatment option. By bringing together leading technology and the brightest minds in medicine, the two brands have been able to transform the way employees deal with a cancer diagnosis by ensuring that the right diagnosis is confirmed and that the right treatment plan is enacted.

In the payor and provider markets, Best Doctors further expanded its innovative leadership. Geisinger Health Plan, a nationally recognized health plan based in Pennsylvania, selected Best Doctors to help over 550,000 members access the world's leading second opinion provider. The relationship allows Geisinger Health Plan to continue its focus on the triple aim of enhancing quality, improving patient satisfaction, and reducing costs. 

In 2016, Best Doctors also launched "Live Health Online," a highly-anticipated innovation in telemedicine that provides members a virtual face-to-face with expert physicians to discuss medical second opinions, diagnoses, and treatment plans.

As the need for expert clinical consultant services has rapidly expanded globally, leading employers in every major region of the world have turned to Best Doctors to keep their employees healthy.  In 2016 alone, Best Doctors launched services in Singapore, Malaysia, Vietnam, Philippines, Indonesia, Macau, Pakistan, Denmark, Luxembourg, and many other countries. This record growth in Asia led Best Doctors to establish the Asia Medical Advisory Board with highly regarded medical experts from across the continent to help advise on improving diagnosis and treatment. Best Doctors also features highly-respected Medical Advisory Boards in both the United States and Europe.

In 2016, Best Doctors also transformed how companies and individuals address mental health, with the introduction of Onward, a program that helps clients with depression, anxiety and other mental health concerns get healthy and back to work sooner. RBC Insurance is partnering with Best Doctors Canada to provide RBC Insurance's group and individual disability clients with industry leading mental health support and advocacy. Given that early intervention is critical when dealing with mental illnesses, Onward provides rapid access to psychiatrists and psychologists inclusive of therapy sessions that can be conducted digitally from the comfort of their own homes thereby eliminating the stress and cost of travel to an appointment.

"The success of Best Doctors is based upon bringing together hundreds of passionate employees all over the world, technologies that make health care work, access to the brightest minds in medicine, and a glaring need to help people get the right diagnosis and treatment while containing costs," said McClennen. "Best Doctors continues to succeed on a global scale because of our unparalleled combination of analytics, the highest-rated physicians in the world, and population management tools to transform health care for millions of people." 

Addressing the needs of proactive employers who understand the danger of misdiagnosis and medical uncertainty, Best Doctors clients incorporating data analytics has tripled in the past year. In its highly-anticipated study rating population health management providers, KLAS Research rated Best Doctors among the highest-ranked for its data tools, service, and overall performance. Historically, these clinical advocacy and second opinion services have resulted in corrected or refined diagnoses in 37% of Best Doctors U.S.-based cases, while correcting or improving treatment in nearly 75% of cases.

Best Doctors, which works with the top 5% of physicians in over 450 subspecialties of medicine, has been fueled by the Company's unique ability to bring together the brightest minds in medicine, cutting edge technology, and analytics, to help members navigate increasingly complex health care systems around the world.  With published studies indicating that 15-28% of patients are misdiagnosed – translating into needless suffering and billions of wasted health care dollars annually, the Company continues to expand its impressive portfolio of Fortune 500 clients and premier workers compensation carriers.

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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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Health Insurance Expat

Health Insurance Expat

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 Expat Health 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 Expat Health 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 Expat Health Insurance plans for Overseas Assignments are now covered by International Private Medical Insurance Magazines Online Expat Health Insurance company and plan guide. Get the lowdown on who's who and which Expat Health Insurance companies you should trust with your life.

Since 2009 International Private Medical Insurance Magazine has been providing mission critical news and information about Expat Health 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 Expat Health 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 comparison of the Expat Health plan, costs and fine print. Make your Expatriate Health 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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Expatriate Healthcare

Expatriate Healthcare

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 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 Expat Healthcare 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 Expatriate Healthcare plans for Overseas Assignments, Travel Abroad and Student Travel Programs are now covered by International Private Medical Insurance Magazines Online Expatriate Healthcare Insurance company and plan guide. Get the lowdown on who's who and which Expatriate Healthcare Insurance companies you should trust with your life.

Since 2009 International Private Medical Insurance Magazine has been providing mission critical news and information about Expatriate Health 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 Expatriate Medical Health Travel Insurance plan and cover for leisure, business, educational or health travel purposes.

Expatriate Healthcare Insurance and Healthcare comes in all shapes and sizes so be sure to do a complete comparison of the Expat Health Insurance plan, costs and fine print. Make your Expatriate Health 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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Expatriate Health Insurance Broker Intermediary

Expatriate Health Insurance Broker Intermediary

You may be a frequent flyer business traveler, student, leisure or medical health tourist considering the Expatriate Life. Perhaps you are already established as a Expatriate living far from home on distant shores. Where ever you are now, understanding Expatriate Health Insurance Broker Intermediary requirements is vital to safe, risk free Global travel. Accidents do happen and when you least expect it. Insuring you have the right Expatriate Health Insurance Broker Intermediary will mean, should anything untoward happen, you will not be faced with a large medical bill, or even worth, insufficient medical care.

Expatriates searching the internet to source, compare and select the best Expatriate Health Insurance Broker Intermediary are now covered by International Private Medical Insurance Magazines Expatriate Health Insurance Broker Intermediary company guide. Get the lowdown on who's who and which Expatriate Health Insurance Broker Intermediary you should trust with your life.

Since 2009 International Private Medical Insurance Magazine has been providing mission critical news and information about Expatriate Health Insurance to individual expatriates, expat groups, expatriate employers and Expatriate 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 Expatriate Health Insurance plan and cover for leisure, business, educational or health travel purposes.

Expatriate Health Insurance comes in all shapes and sizes so be sure to do a complete comparison of the Expatriate Health Insurance plan, costs and fine print. Make your Expatriate Health 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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Expat Health Insurance

Expat Health 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 Expatriate Health 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 Expat Health 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 Expat Health Insurance plans for Overseas Assignments are now covered by International Private Medical Insurance Magazines Online Expat Health Insurance company and plan guide. Get the lowdown on who's who and which Expat Health Insurance companies you should trust with your life.

Since 2009 International Private Medical Insurance Magazine has been providing mission critical news and information about Expat Health 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 Expat Health 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 comparison of the Expat Health Insurance plan, costs and fine print. Make your Expatriate Health Insurance plan covers you for costs relating to repatriation, emergency evacuation, medical and non medical transport services by ground ambulance or air ambulance.

Read more...

Expatriate Health Insurance

Expatriate Health Insurance

You may be a frequent flyer business traveler, student, leisure or medical health tourist considering the Expatriate Life. Perhaps you are already established as a Expatriate living far from home on distant shores. Where ever you are now, understanding Expatriate Health Insurance requirements is vital to safe, risk free Global travel. Accidents do happen and when you least expect it. Insuring you have the right type of Expatriate Health Insurance will mean, should anything untoward happen, you will not be faced with a large medical bill, or even worse, insufficient medical care.

Expatriates searching the internet to source, compare and select the best Expatriate Health Insurance are now covered by International Private Medical Insurance Magazines Online Expatriate Health Insurance company guide. Get the lowdown on who's who and which Expatriate Health Insurance companies you should trust with your life.

Since 2009 International Private Medical Insurance Magazine has been providing mission critical news and information about Expatriate Health Insurance to individual expatriates, expat groups, expatriate employers and Expatriate 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 Expatriate Health Insurance plan and cover for leisure, business, educational or health travel purposes.

Expatriate Health Insurance comes in all shapes and sizes so be sure to do a complete comparison of the Expatriate Health Insurance plan, costs and fine print. Make your Expatriate Health 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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Transworld Claims Solutions

Transworld Claims Solutions

Transworld Claims Solutions Inc (TCS) offers cost recovery solutions to businesses incurring losses across international borders. Our core activities include 'subrogation' and 'priority on risk' recovery, principally to the insurance and medical services sectors, and b2b contractual debt recovery services. Transworld Claims Solutions offers Claims Management and Cost Containment services. With an in depth experience in the travel and healthcare industry, and over 21 years in the insurance industry, Transworld Claims Solutions offers an exclusive global network with AVUS.

The AVUS group is the largest Non-Marine claims management/handling group in Europe with subsidiaries in 26 countries in Europe including North Africa. Each office has a dedicated in-house legal team that handles recovery/subrogation cases for travel, social & accident insurers and also for motor insurers. A natural part of their core service includes investigations and data gathering of all kinds for insurers and in particular when fraud is suspected.

They are also well positioned to provide expert legal opinions regarding any legal situation in a given country. AVUS works with European insurance groups such as Allianz, AVIVA, AXA, QBE, RSA and Zurich. In concert with Transworld Claims Solutions, who provide coverage in the Americas, the Caribbean, and the developed countries of the Asian Rim, this strategic partnership provides a unique global network of resource support to payers of claims, in a complex multi cultured environment. 

East Coast Offices:

Company: Transworld Claims Solutions Inc.

Address: 194 Main Street, Suite 207 Newport, VT 05855

Tel: + 1 802-880-9026

Fax: 802-880-9027

Web: http://tcsinc.ca

West Coast Offices:

Company: Transworld Claims Solutions Inc.

Address: One Sansome Street, Suite 3500 San Francisco, CA 94104

Tel: 802-880-9026

Fax: 802-880-9027

Canadian Offices:

Company: Transworld Claims Solutions Inc.

Address: 57 Talbot Street West, Suite A Blenheim ON N0P 1A0

Tel: 802-880-9026

Fax: 802-880-9027

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

United Kingdom Offices:

Company: Transworld Claims Solutions Inc.

Address: PO Box 538 Torquay United Kingdom TQ1 9GN

Tel: +44 1428 729922

Fax: +44 1428 725024

 

 

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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