Menu
iPMI Magazine Is Proudly Sponsored By:
For a healthier journey.

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

iPMI Magazine Speaks With Janette Hiscock, CEO of Global Solutions Europe, UnitedHealthcare Global

In this exclusive iPMI Magazine interview, Christopher Knight, CEO, iPMI Magazine, met with Janette Hiscock, CEO of Global Solutions Europe, UnitedHealthcare Global. They discussed in detail the COVID-19 global pandemic and how UnitedHealthcare Global has managed the public healthcare crisis, internally and externally. 

COVID-19 has had a huge impact on the healthcare industry. How has your organisation managed?

As a leading global healthcare company, we have been impacted like everyone else. We’ve been able to help support our employees, our customers, and communities around the world to aid the global fight against this disease. 

Since the outbreak, we’ve had to work quickly to make sure that we’re doing everything possible to continue treating patients and supporting our members. In the U.S., UnitedHealth Group has worked to develop accurate tests which aren’t as invasive as those which have been used more widely. These tests were made available to patients with a doctor’s order at hospitals, clinics and testing facilities across the U.S. We’ve also completed a *study with the Yale School of Medicine that suggests older COVID-19 patients with hypertension, who were taking angiotensin-converting enzyme (ACE) inhibitors, may have a lower risk of COVID-19 hospitalisation. A clinical trial will follow as a next step.1 The study is still under peer review.2

At UnitedHealthcare Global specifically, we have waived member cost sharing, including copayments and deductibles, for COVID-19 diagnostic testing provided this is medically necessary and is carried out at an approved location and in accordance with applicable governmental or public health advice.

This was made available on top of existing access to Virtual Visits, our telehealth solution, our Optum Employee Assistance Programme (EAP) and our unique health management programme. All these features continue to be a source of significant support for our members during this unprecedented time..

More widely, we looked to help other businesses in need across the world. For example, in the UK, our Medical Services team has been globally supplying vital PPE to protect healthcare workers across other essential businesses around the world.

Not only have we supported the scientific and clinical aspect of COVID-19 but since April we’ve committed over $60 million, via the UnitedHealth Foundation, to support homelessness, food insecurities and the health and safety of the frontline workforce. This funding has been used across the U.S. and other regions including, Brazil, Chile, Columbia, India, Ireland, Peru, the Philippines and Portugal.  It’s been a real privilege to be part of an organisation working actively to address the virus and its effects and serve the needs of our members and customers. We are fortunate that as a global organisation we’re skilled at working seamlessly across countries, time zones and home offices. As the pandemic evolves, I’m confident that we’ll continue to adapt and support our customers effectively, with a focus on compassion, relationships and performance. 

How has your role changed during the pandemic and what are your priorities for your own people?

This year has been challenging in so many ways, both personal and professional. However, it has shown me the importance of understanding our markets and the people we serve. We must offer comprehensive, yet affordable solutions to meet their changing needs. I’ve been working closely with my team to navigate our response to the changing healthcare landscape, and I am confident we have delivered a high standard of support and care throughout this time. 

A crucial aspect of my role this year has been to find the best route to minimise the impact of the pandemic on the business, both in terms of our continued growth and, more importantly, on our employees. The safety and wellbeing of our employees is my absolute priority and I have been in close communication with all our teams to ensure we support each other. We’ve also made it a top priority to reinforce the importance of taking annual leave, using the EAP and supporting flexible working. We commissioned a 12 Steps to Personal Resilience programme for all our European-based teams and encouraged them to adopt the practical hints and tips on a weekly basis.

I am very proud to lead our team in Europe and whilst I have reverted to working at home full time, this has been the only real change for me in my role: We have maintained our strong engagement with our brokers and partners, supported our clients and their members at every step, and have ensured the health, safety and wellbeing of our people are protected at all times.

The pandemic has raised lots of questions about the world of work. How do you imagine the future of the workplace?

Prior to the COVID-19 outbreak, I would imagine that only a small portion of the population had experienced working from home. Some companies may have previously doubted the efficiency and productivity of working from home, preferring to keep their workforce in the office. Personally, I’ve been so impressed by the professionalism and productivity of my colleagues continuing to go above and beyond during this crisis, whilst working from home. Despite the upheaval of this year, we have remained collaborative across the organization, working with our colleagues around the globe.

It is likely that working from home will continue to be an ever-present feature of our working life for the foreseeable future. Homeworking is a new reality for all of us. This may be individual employee preference or simply continuing to ensure social/physical distancing. Whatever the reason, organisations will need to be able to foster a sense of community despite the increased physical distance between their staff. Leaders will need to trust their people and empower them to manage their working day in a way that suits them. This can be a difficult pivot to make as a leader, but I encourage any leader to make this transition sooner rather than later. It takes time to build new working patterns and nurture trust and self-management, but in my opinion, it is worth the investment.

What can organisations do to support employees working from home for long periods, and manage the eventual return to the office?

Boosting and maintaining morale will be critical for employee wellbeing during this extended period of working from home. Never has it been so important to have that virtual coffee with a colleague and to provide virtual events such as quizzes or team activities. In addition, employees should be encouraged to frame their day as if they were in the office and work within their agreed working hours. Although the traditional 9-5 ‘clock in clock out’ approach has been turned on its head, it’s key that employees maintain a balance and don’t fall into the trap of always being available. And yes, I need to take my own advice!

I encourage all employees to take frequent breaks for their physical and mental wellbeing. This is especially important as the days get shorter and its harder to get outside in the evening. Employees should also be encouraged to block an hour in their diary each day to ensure they are taking a lunch break, which will only serve to benefit their productivity for the remainder of the day. 

Depending on where you are in the world and how the pandemic changes, some companies have already started to head back to the office. Employers have a duty of care to make sure that workers feel safe. There are various ways to create a safe, clean, socially distanced environment, such as visible signs and instructions, one-way systems, and plenty of handwashing stations. Ensuring staff are aware of the measures in place to protect their wellbeing is a critical step in implementing social distancing and creating a safe working environment. Communication is key.

To help navigate our customers through these unfamiliar times, we’ve developed a new product, our ‘Return to Workplace Screening Tool.’ This is an online health screening service for clients to monitor the health and wellness of their global workforce. Using a simple online pre-deployment medical screening questionnaire, we can identify responses which may require further intervention and alert HR teams to decide whether further action is required. It has been designed to highlight COVID-19 exposure and any changes in their employees’ health and wellbeing that may have developed since last in their workplace.

We’re also pleased to offer an extension to our Global Medical Arrangement (GMA) service by now facilitating COVID-19 testing across our network of providers. All testing is conducted at vetted and approved facilities by certified and accredited healthcare professionals either through a nasal/throat swab or an antibody test. Our offering is unique in that it is managed in-house, creating a continuum of care for all our members.

Have you managed to keep building your business despite the challenges of COVID-19?

Despite the challenges we have faced from COVID-19, we’re still committed to growing our team. In April we added to our senior leadership team with the appointment of John Kaye as Market Development Director for the EMEA region. John’s hire further strengthens our commitment to this market, with his extensive experience in the international healthcare industry. We have also had new hires in sales support, policy enrolment and client management, all signs of an ever-growing business.

Looking ahead to 2021, we are very optimistic about UnitedHealthcare Global’s continued evolution across the European market. Despite the continued challenges from COVID-19, I feel positive about what lies ahead. We have exciting new plans lined up, including entering the Netherlands market, and I know that we have the people and resources to deal with whatever challenges COVID-19 has in store for us.

1 https://news.yale.edu/2020/05/27/seniors-covid-19-taking-ace-inhibitors-have-lower-hospitalization-risk

2 https://www.medrxiv.org/content/10.1101/2020.05.17.20104943v1

Read more...

ROCK Insurance Group Updates Its COVID-19 Insurance Policies To Include Cover For Travel Against FCO Advice

ROCK Insurance Group has updated its policies, making it the first travel insurance brand to provide cover when travelling against FCO advice whilst simultaneously protecting consumers against COVID-related issues both pre-departure and whilst abroad.

The policies have been updated to support the travel trade by instilling consumer confidence around travelling so they can go on their holidays as planned when flight and accommodation services are still operating, knowing they are protected, even if the destination is removed from the UK Government’s travel corridors list.

The updated policies allow consumers to travel against FCO advice but only when it relates to COVID-19 – exclusion will still apply for all other reasons, e.g. natural disasters, civil unrest etc. While the updated FCO-related policy is currently only applicable to European destinations, ROCK Insurance Group is working on including other non-European countries which will be announced soon.

As well as including cover for travel against FCO advice to European countries, the benefits of the existing policies will stay the same (including cancellation as standard):

Before a trip:

  • Cover if a customer tests positive for coronavirus within 14 days before their holiday
  • Cover if they have been hospitalised within 28 days of their holiday
  • Cover if they are not allowed to board their flight as a result of a positive coronavirus test or raised temperature
  • The policy can be cancelled if the UK or the customer’s local area enters lockdown again within 14 days of purchase

During a trip:

  • Cover if they have checked in at their holiday accommodation but the property needs to close as a result of the coronavirus
  • Medical cover included if they catch coronavirus whilst abroad
  • Cover if it is medically necessary to bring the customer home
  • Cover for additional accommodation and travelling costs if they contract coronavirus whilst abroad

Antony Martin, Managing Director at ROCK Insurance Group says, “Due to the continuous updates to travel restrictions, we wanted to bring an option to market that allows travel against FCO advice as it is becoming difficult and expensive to administer all the changes and consumers need to have flexible products they can trust. While some insurance brands have launched products that allow travel against FCO advice, we are proud to be the first to provide this type of cover whilst simultaneously protecting travellers against COVID-related issues both pre-departure and during their trip. Our goal is for consumers to continue their holiday plans as normal which will be key to rebuilding the travel industry. We saw an opportunity to provide an integrated solution that would sit as part of our core offering and benefit our partners, potential new partners within the travel trade space and their customers. We are expecting an exceptionally strong conversion as it ultimately provides the customer with the protection and confidence they really need to travel.”

Read more...

iPMI Magazine Speaks With Dr. Ian Russinoff, Medical Director, Generali Global Assistance Travel Assistance & GMMI, Inc.

For the past few months, we have read and heard just about everything on the Covid-19 virus pandemic that has now impacted and remains to impact the entire world. Confinement, quarantine, Personal Protective Equipment (PPE), life has organized itself around this new normal. 

In this exclusive interview Christopher Knight, CEO, iPMI Magazine, met with Dr. Ian Russinoff, Medical Director at Generali Global Assistance Travel Assistance and GMMI, Inc. to get his perspective and experience of the virus both as an ER doctor and a patient.

Tell us about your Covid-19 experience being an ER doctor?

Before my diagnosis, I had already personally witnessed both extremes of the illness. I saw many minimally symptomatic patients and a handful of critically ill. I must confess, knowing that this is a novel virus, I was concerned where I would land on the spectrum. I feared that I would be among the healthy young people to succumb to the illness. At times, I had very vivid images of the extremely ill that were losing their personal battle. Fortunately, I had a very mild case and recovered quickly. As an ER doctor with first-hand knowledge and experience that the vast majority of patients did just fine, I knew that statistically speaking the odds were in my favor.

While you are now feeling better, you were diagnosed with COVID-19 due to your exposure to the virus. Can you tell us about your patient experience?

I was fortunate in that testing for front line workers was readily available. The hospital really made us a priority and had processes in place to expedite the diagnosis. I received daily phone calls from the hospital checking on my progress and expressing their concern. I certainly felt very supported and taken care of throughout the entire illness and recovery.

The crisis being somehow behind us, what lessons have you learned?

I must say that I have a new respect for the power and influence that a microscopic illness can have on society. We have heard of swine flu, H1N1 and other viral illnesses over the years. While educating myself on these diseases, I never could have anticipated that the effects would be this dramatic. In many ways, the world has been turned upside down. It will be very interesting to see how the general public prepares for the annual flu season. In addition, it will be interesting to see how we prepare for the next novel virus. While this pandemic started as a public health crisis, it has evolved into a socioeconomic disaster.

Were there any specific complexities you were confronted with since the beginning of this pandemic both from the doctor and/or patient perspective?

I actually didn’t feel very ill when I had the virus. I had fatigue and a mild cough but no fever or shortness of breath. I contemplated whether or not I really needed the test. I definitely felt well enough to work. Ultimately, out of concern for my patients, co-workers, and my family, I decided to get tested. With regards to my family, I was already self-isolating in the guest room in the house for about 3 weeks prior to having any symptoms. Once I started to see the cases in the emergency department, my wife and I felt it was best to avoid family contact as much as possible.

Have you made any changes in your routines since you have returned back to work after recovering from the virus?

I am still taking the exact same precautions from day one. There is still so much uncertainty and unknown about this virus. Do I have effective antibodies? If so, how long will they last? Are they 100% protective? Out of constant concern for my family, patients, and colleagues, I am very attentive to maintain the strictest precautions with regards to handwashing, PPE, and general awareness of my surroundings. I maintain the same routine of getting undressed in the garage, immediately throwing my clothes in the washing machine, and heading to the shower before interacting with any family members. I believe this practice will continue indefinitely.

If you help clarify a myth about COVID-19 in any of the realms that you have experienced it as a doctor and patient, what would it be?

A few months ago, the obvious question was: Am I going to end up on a ventilator? While that is a legitimate concern for people with comorbidities like diabetes and hypertension, particularly of an older age, the vast majority of positive patients will be just fine. Again, I was very fortunate to have mild symptoms, but it is a fact that the fevers associated with Covid are very intense. Anyone that contracts the virus should be mentally prepared for 2 weeks of symptoms, but they should remain cautiously optimistic that they will recover without any complications.

Are we prepared if we were to face another wave of COVID 19 cases in the fall?

We have significant advantages if there is another wave in the fall. Testing processes are much improved. Recovered patients have antibodies to donate. Medications like Remdesivir have shown promise. We are aware that some of the initial treatments do not show a significant benefit. The disease course has become somewhat more predictable. Knowledge is power, and in the infancy of Covid-19, there was clearly a knowledge deficit. There is also strength in numbers. Simply by seeing and personally knowing so many recovered people, we will be much more confident for the rematch.

We previously referred to this situation as a crisis – and looking at global and/or local events – how do we manage the storms ahead from here?

This is a great question. In retrospect, would we (federal and local government) make a lot of the same decisions? While I do not believe we will get a clear answer to that question, we might be able to infer if, God forbid, another pandemic occurs. The long term socioeconomic, medical, and psychological effects remain to be seen. Did the fact that this is an election year contribute to certain decisions? Are some of the far-fetched conspiracy theories not too far-fetched after all? I believe the long-term lessons are still evolving, and it is still too premature to assume how we may manage the storms ahead.

About GMMI, Inc. & Generali Global Assistance Travel Assistance

GMMI and Generali Global Assistance are part of the Europ Assistance – Generali Group and headquartered in South Florida, USA.

  • GMMI is a leading ISO 9001:2015 & ISO/IEC 27001:2013 certified provider of medical cost containment, travel assistance and medical risk management solutions designed to set the industry standard for quality customer service, medical management, and competent claims administration worldwide. By applying leading technologies and a consultative approach, we work efficiently and effectively to deliver high value-added services that provide our Clients with global solutions for managing medical cases, providing travel assistance and containing medical costs since 1992.

  • The travel assistance unit of Generali Global Assistance (GGA) has been focused on the care of travelers since 1963. Our North America office provides 24-hour global value-added travel assistance solutions to leisure and business travelers on behalf of their insurers and employers. With a local presence in 200 countries and territories worldwide and 35 assistance centers staffed with multilingual assistance coordinators and case managers as well as medical and security staff, Generali Global Assistance is here to help you obtain the care and attention you need in case of an emergency while traveling.

About Dr. Ian Russinoff

Dr. Ian Russinoff is an attending physician and the Vice Chairman of the Emergency Department at the Cleveland Clinic Florida. In addition to his duties in the hospital, Dr. Russinoff is the Assistant Medical Director of the Broward Sheriff’s Office (BSO), helping to oversee the medical protocols of the largest EMS agency in the county. He has been practicing emergency medicine for almost twenty years, including medical school at SUNY Downstate and residency at St. Luke’s-Roosevelt Hospital Center in New York City. Dr. Russinoff enjoys being a leader in the field of Emergency Medicine and EMS. He has been tireless in his efforts to improve the practice every step along the way. His dedication and passion are obvious to his patients, the nurses and the paramedics. Dr. Russinoff leads by example, knowing that is the only way to implement positive change. Dr. Russinoff is the Medical Director for GMMI, Inc. & Generali Global Assistance Travel Assistance.

 

Read more...

Aetna International Provides Discount On Group Health Cover For New And Existing SME Customers, As Part Of COVID-19 Support Measures

Aetna International has announced that SME employer plan sponsors in Europe, Middle East and Africa renewing their Summit group health insurance policies from 1 May 2020, to on or before 1 July 2020, will receive one month of free health cover, as part of Aetna's ongoing efforts to alleviate financial and other pressures its customers are facing as a result of the COVID-19 pandemic.

The offer also applies to new Summit SME group customers in the next three months, meaning any business taking out a new policy on or before 1 July 2020 will benefit from one month of free cover.

Additionally, all SME employers renewing or taking out a new Summit group policy can discuss options for more flexible billing cycles.

The discount on health cover builds upon previously announced financial support for Aetna International members, including full reimbursement for COVID-19 diagnostic testing (as referred by a medical physician) and the waiver of deductibles for inpatient hospital admissions related to COVID-19.

"In these unprecedented times, we are keen to support our clients and members in any way we can, including financially," said David Healy, CEO - EMEA, Aetna International. "We understand the added pressure and anxiety people and businesses are facing around the world and want to make health care as accessible and affordable as possible during this difficult time. We also want to ensure we are taking steps to assist the business community, which is why we have extended this support to new as well as existing SME customers."

RELATED: iPMI Magazine Speaks With David Healy, CEO EMEA, Aetna International

Other measures designed to support members' physical and mental health during the COVID-19 outbreak have been implemented by the global health benefits provider in recent weeks. These include free access to Aetna International's virtual health service, vHealth, for a limited time for all members, as well as free access to myStrength – a highly interactive, personalised app that helps address depression, anxiety, stress, and more.

Members also benefit from 24-hour access to clinical counsellors via Aetna International's Employee Assistance Programme and can access WorldAware (red24) to stay informed of any significant travel, safety, or security-related incidents.

Members should continue to follow the guidance issued by their local health authority and contact their local health care provider or a vHealth doctor if they have any concerns. 

 

Read more...

Integra Global Launches New IPMI Inpatient Plan Range – InCare

Integra Global, a leading provider of international health insurance, today launches two new health plans to the IPMI market. 

The new plans are available for individuals and groups.
 
The InCare plan range has been designed specifically for the needs of both individuals and companies wanting a health plan with rich inpatient benefits, useful services for global mobility, and market-leading value. 
 
InCare plans include comprehensive hospitalisation and rehabilitation benefits, along with 24/7 emergency medical assistance, life cover and mental health benefits. The InCare Premier plan offers a higher overall policy limit, private room cover and increased limits for Accidental Death and Dismemberment. 
 
In addition, InCare plans include a number of helpful expat services, including a Life Aware Programme for daily life challenges, 24/7 emergency medical assistance and evacuation, and access to a mobile app and claims portal. InCare policies, like all Integra Global health plans, do not exclude natural disasters or pandemics, such as coronavirus (COVID-19).
 
InCare policies are underwritten by MGEN; part of the largest mutual health group in France VYV Group, which has a turnover of €9 billion, 35,500 employees and an AM BEST Financial Strength Rating of A (excellent). Medical Administrators International (MAI) is the global claims administrator for InCare health plans and will manage all pre-authorisations, direct billing and claims management services.
 
Integra Global has been successfully partnered with MGEN and MAI since the launch of their comprehensive Worldwide health plans in 2018. MAI and Integra Global have together consistently achieved claims processing times within 5-7 working days over the last two years, offering first-class customer service to members.  
 
Integra Global's emergency medical and security assistance provider, Northcott Global Solutions (NGS), will serve InCare plan members across the globe, managing all medical emergencies, evacuations and issues of civil unrest or natural disaster. 
 
Philip Catterton, Managing Director at Integra Global Group, commented, "Inpatient treatment is by far the most expensive aspect of healthcare, but also the most important. It's essential that anyone living abroad, or any company employing overseas staff, has a health plan that safeguards them in the event of an emergency or serious illness. 
 
"Our InCare plan range is perfect for individuals who want protection against high-cost inpatient care or expensive treatment, but don't want to pay for a comprehensive health plan.
 
"We've also seen a growing demand among price-conscious companies for a plan that will protect their staff to a high standard, without paying for benefits that are outside their requirements or budget. 
 
"Our InCare plans are here for anyone wanting high-quality inpatient cover, fantastic services, and exceptional customer support."
Read more...

Collinson Launches New International Healthcare Solution To Further Extend Its International Insurance Reach

Collinson has launched an all-new international healthcare plan, Collinson SmartHealth™ International, in Nairobi, Kenya. The solution is delivered in partnership with Kenbright, one of Kenya’s leading medical insurance providers.

Lawrence Watts, Head of Insurance at Collinson, said, “We are delighted to partner with Kenbright to launch this new health solution to the market.  With healthcare infrastructure under pressure, especially within critical care, providing healthcare alternatives to consumers is vital. The research we carried out highlighted a strong consumer demand for international solutions; 41% surveyed stating that they would travel abroad for medical treatment if required.

“This launch, in partnership with Kenbright, means that companies in Kenya can give employees and their families access to the best possible overseas treatment through our in-house medical expertise and worldwide network of partners.”

Collinson envisages offering the plan in other countries in the region by partnering with local insurers, as well as building in its wider travel, assistance and insurance products and loyalty solutions to create a truly differentiated and holistic health plan within the comfort of a concierge travel experience.

Ezekiel Macharia, CEO at Kenbright, added, "We are thrilled to be launching this proposition in partnership with Collinson. Our team has worked hard to create an international healthcare solution that not only offers Collinson’s international insurance and assistance capabilities but will also harness local technology in Kenya, allowing our customers access to a robust network solution."

SmartHealth International will deliver a suite of new affordable health insurance products aimed at Kenyan companies, which want to protect and give peace of mind to employees and their families. Administered by Kenbright Healthcare Administrators Limited, Collinson will be harnessing its in-house insurance and assistance expertise to provide regional and international access to an extensive network of medical providers.

Designed by healthcare experts, SmartHealth International enables employees and their families to flexibly access international medical advice, treatment and support across the globe, whenever it is needed, through Collinson’s global network of health providers and in-house 24/7/365 medical assistance capability. Each case will be individually managed and assessed by Collinson’s expert medical team. The plans can include wellness, optical, dental and medical second opinion and traveller support services and can be tailored to individual company requirements and budgets.

Collinson believes that there is a significant opportunity to enhance the way international healthcare propositions are delivered. By utilising the expertise across Collinson’s loyalty and benefits capability, companies in Kenya can now offer their employees access to the best medical treatment available at home and globally. This also includes additional benefits such as digital doctor services, international medical second opinion and traveller support services accessing the Collinson global lounge network and security and medical advice when travelling.

In fact, recent third-party research commissioned by Collinson revealed that the vast majority (88%) of consumers in Kenya found the proposition to be attractive, with preventative and wellbeing and digital doctor services being rated attractive by 82% of the respondents.

 

For further information, please visit https://www.collinsongroup.com/en-meai/protect/international-healthcare

 

Read more...

International Health Insurance Premiums Are on the Rise in 97 Countries

A global study of 100 countries conducted by insurance brokerage Pacific Prime found that 97 countries witnessed increases in average international health insurance premiums for both individuals and families.

Of the 100 countries, the average international health insurance premiums for individuals ranged from USD $8,887 in the US to USD $2,728 in Thailand. Meanwhile, the average international health insurance premiums for families ranged from USD $26,883 in the US to USD $10,842 in Thailand.

The following are the key findings of Pacific Prime’s Cost of International Health Insurance For Individuals and Families - 2019 report:

Top of the list: The US remains the country with the most expensive health insurance premiums. This is largely a result of the country’s notoriously high cost of healthcare.

Region with the most expensive premiums: The Americas remain the most dominant region in the top 20 most expensive countries list. The region was able to pack up to 15 countries into the list, which includes 29 countries due to many having the same average premium.

Region with the highest premium inflation rate: African countries saw some of the highest inflation rates in the world. As many as 21 countries in Africa witnessed inflation rates that are 15% or higher, resulting from various macro trends such as the rise of the middle-class and technological advancements.

China’s overall premiums are getting cheaper: China’s premiums are going through a correction phase after years of increase. In 2019, a number of prominent insurers in China did not increase their premiums, with some even lowering them, making it one of the few countries experiencing a year-on-year decrease in average health insurance premiums.

Big jumps in premium rankings: Canada saw average health insurance premiums inflate by 7% for individuals and 5% for families, surpassing Hong Kong as the country with the second most costly country for international health plans. Singapore has also jumped from 9th to 4th position with an inflation rate of 9% for both individuals and families.

Download a complimentary copy of Pacific Prime’s Cost of International Health Insurance for Individuals and Families - 2019 for further details of the survey findings, as well as in-depth regional premium analyses: https://www.pacificprime.com/cost-of-health-insurance-2019

Read more...

iPMI Magazine Speaks With Janette Hiscock, CEO Of Global Solutions Europe, United Healthcare Global

In this exclusive iPMI Magazine interview, Christopher Knight, CEO, iPMI Magazine, sits down with Janette Hiscock, CEO of Global Solutions Europe for United Healthcare Global. They discuss in detail the newly formed European division of UnitedHealthcare Global (UHCG) including what makes UnitedHealthcare Global’s offering different, the new benefits and services added to insurance plans, member access to the best possible healthcare and what we can expect from UHCG in the future.

Please introduce yourself and your role at UnitedHealthcare Global:

My name is Janette Hiscock and I am the CEO of UnitedHealthcare Global Solutions Europe, leading the newly created European Division of UnitedHealthcare Global (UHCG) which launched its European insurance business last year. We provide in-house solutions for international medical insurance, wellness, security, assistance and remote medical services. Our range of solutions makes our offering unique in the European market.

Prior to this role, I oversaw the company’s remote medical services division based in the U.K. I continue to run this business, but I am now responsible for leading the insurance entity in Europe, which creates alignment under one European market.

I have more than twenty years industry experience managing health insurance, medical, assistance and security services businesses, and have held a variety of senior roles in sales, client management and proposition development.

Can you explain the changes that have been announced to UnitedHealthcare Global’s European operations?

We are very excited about UnitedHealthcare Global’s evolution in this market. UnitedHealthcare Global has combined its medical services and insurance businesses, enabling our European-based teams to bring a solution to clients with unparalleled in-house capabilities. This will provide a continuum of care for our members across insurance, assistance, security, wellness, clinical and medical services.

The launch of our iPMI business last year ensured we were able to align with our US-based business, leverage our Latin American businesses and develop products and services to meet the needs of globally mobile workforces.

Why have these changes been made?  

Since the launch of the European iPMI business, we’ve been investing in our products to ensure we meet the evolving needs of companies with globally mobile populations. Our solutions address our members’ needs at every stage of their deployment and there are a number of complementary services that sit in our medical services business that we can offer to iPMI clients.

It made perfect sense to integrate these two highly complementary divisions of our business under one single leadership in Europe, making it simpler for brokers and clients to access these services.

What makes UnitedHealthcare Global’s offering different?

At UnitedHealthcare Global, we see the many different interactions across the entire health care system – in a way no other organisation can. We are uniquely positioned to address global health care challenges for members and create real value for clients.

We understand that comprehensive and cost-effective health and well-being plans, aimed at companies with globally mobile workforces, are not just about managing illness. That’s why our offerings include proactive and preventative benefits to help employees actively manage their own health care while abroad.

Our aim is to support members to look after their health through innovative products and services. Simplifying the digital experience is hugely important to us, as we know it is something our members want. Through our apps and portals, our members can make a claim within 90 seconds or access a wellness coach. Our highly personalised service for both brokers and clients helps us to deliver the best solutions for globally mobile populations, and puts health care in the hands of the member.

As part of the world’s largest health care company, UnitedHealthcare Global employs 74,000 people, half of which are clinicians and health care professionals. This means our global reach as a health care company is unparalleled, providing better outcomes for all who we serve  

Since your launch in September 2018, have you added any new benefits/services to your plans based on the changes made to the business?

UnitedHealthcare Global is continually using our in-house capabilities to research, innovate, and provide new services and technologies to make the health care system easier to navigate for our members. A strong tenant of our business is based on preventative care. Since our launch, we’ve added a number of new services and benefits including Virtual Visits and our Global Health Management programme.

Virtual Visits is a secure telemedicine service that makes it simple for employees and their dependants to speak with a health care professional through their mobile or desktop devices while on assignment. From treating colds and fevers, to caring for migraines and allergies or getting a referral letter, it makes connecting with a doctor easy and free while on the move.

The Global Health Management programme is a proactive health management service available to all of our insurance members, to help them access the resources they need to manage their health, including chronic conditions. It focuses on an employee or their dependants’ specific needs, wherever they are in the world. Our clinicians provide targeted support to help expatriates and their families overcome the challenges of accessing care and resources for complex, high risk conditions. They create an action plan for addressing urgent needs and also work with the member’s schedule and location to ensure members can have a healthier, more successful assignment.

Using the breadth of capability from our medical services business and our in-house team of doctors, we have developed a new solution called Virtual Health Assessments (VHA) to help mitigate risks for employers sending people abroad. VHA is a specialised medical screening service which employers can use to screen their employees and their family’s at any point prior to, during and after their assignment. This is a standalone service from the iPMI plan and can be purchased with or without the iPMI offering.

Many of the illnesses and conditions faced by employees and their dependants when abroad are predictable and preventable. Our services help to ensure that any medical conditions which may impact a trip are identified well in advance of departure and actively managed with our clinical teams.

All of our programmes have been designed to help ensure, globally mobile populations thrive, by giving access to employers, employees and their dependants to the most cost effective, innovative, real-time and comprehensive health care.

How can you guarantee that your members will be able to access the best possible care?

UnitedHealthcare Global is part of UnitedHealth Group, the largest and most diversified health care company in the world. Because of this, clients and members benefit from our global networks, clinical insight, data analytics and innovation.

We work with local health care providers and clinicians who have the knowledge and expertise needed to ensure employees receive the best possible health care at every stage of their assignment overseas, no matter how complex their needs might be. We do this by providing access to high-quality, compliant and cost effective benefit programmes, helping employers mitigate risk and making their employees’ health and safety our priority.

Ultimately, our mission is to help people live healthier lives and help make the health care system work better for everyone.

What’s coming up next for UnitedHealthcare Global?

Following the successful launch of our iPMI services in Europe, we’re looking forward to making further exciting announcements, and discussing in greater detail our new proposition for the oil and gas market.  

Related: iPMI Magazine Speaks With David Powell, CEO Global Solutions, UnitedHealthcare Global And Claude Daboul, Managing Director, UnitedHealthcare Global Europe

Read more...

International Medical Group Unifies Family Of Companies Under 1 Brand

International Medical Group® (IMG®) has announced that their global family of brands, including ALC Health, iTravelInsured, AkesoCare, and Global Response, will all be unified under the IMG brand.

“Integrating all of our travel and medical insurance business lines with all of our assistance business lines means IMG is uniquely positioned to deliver quality and simplicity to members, clients, and producers around the world,” said Steve Paraboschi, Executive Vice President.

This move allows IMG to leverage its global platforms, simplify processes, and scale systems into a singular, member-focused experience. Working with IMG and accessing its complete set of products and services will now be easier than ever for customers and partners.

"Selling insurance and services under one brand more precisely represents the mission and capabilities of IMG,” said Paraboschi. “As a singular cross-border resource, unifying our brand makes it easier for us to provide members and clients with the products and services they need.”

The IMG brand strategy, which will be implemented throughout 2019 and 2020, will see the iTravelInsured and ALC Health product sets rolled into IMG branded product lines. IMG insurance products will now include a full suite of international private medical insurance, travel medical insurance, and travel insurance plans to protect members across borders.

The strategy will also include unifying Global Response and AkesoCare under the IMG brand. IMG has long offered a variety of travel assistance services including 24/7 emergency medical assistance, claims management, medical management, and clinical services, and this consolidation further elevates IMG’s service offerings in the marketplace.

"Ultimately,” Paraboschi said, “this decision represents the culmination of many years of strategic integration and growth of both our insurance products and assistance services, and we’re very excited for the future as one company, and one brand.”

Read more...

iPMI Magazine Provider Network Directory October 2018

Uniting #IPMI industry leaders under 1 roof the October edition of iPMI Magazine provider network directory delivers all the pertinent company intelligence your business needs to navigate the complex world of IPMIClassifications covered include IPMI, Assistance, Air Ambulance, Cost Containment And Claims Management, Funeral Directors, Ground Ambulance, Healthcare Insurance Management, Pharmacy Benefits Management.

The IPMI industry use the iPMI Magazine Provider Network Directory to source the best information and data on worldwide medical payors and providers. They may be searching for a new partner, looking for a contact number of a current provider, or researching the payor and provider market for future cross border network development.

    Enter full screen click the small rectangle above ↑

 

PAYORS AND PROVIDERS IN FOCUS:

IPMI

ASSISTANCE

AIR AMBULANCE

COST CONTAINMENT AND CLAIMS MANAGEMENT

FUNERAL DIRECTORS

GROUND AMBULANCE

HEALTHCARE INSURANCE MANAGEMENT

PHARMACY BENEFITS MANAGEMENT

About iPMI Magazine Provider Network Directory

Publication Frequency: Monthly.

Format: Digital, Online. Free to read, no registration required.

Pages: 80+ (currently).

Language: English.

Readership: 40,000 + unique readers PCM.

Classifications: IPMI, Assistance, Air Ambulance, Cost Containment And Claims Management, Funeral Directors, Ground Ambulance, Healthcare Insurance Management, Pharmacy Benefits Management.

 

Read more...
Subscribe to this RSS feed

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