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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.


HRG Air Trends Survey Indicates Upward Trend For Business Travel Market

Despite an unprecedented number of disruptions over the last year business air travel is showing encouraging signs of recovery, with travel to emerging markets in Africa and Latin America leading the charge, according to data released today by Hogg Robinson Group (HRG), the award-winning international corporate services company.

Data based on HRG UK clients' domestic and international air transactions and fares from April 2012 to March 2013 indicates that:

Despite ongoing challenges, particularly in the Eurozone economies, there are signs that the business travel market is on the road to recovery. Global air travel booking activity in the first quarter of 2013 was up 3.2% compared to the same period in 2012. After a shaky start to 2012, the number of UK domestic transactions increased by 2.6% in the fourth quarter of 2012, and rose by 4.3% in the first quarter of 2013.

India was among the destinations where HRG saw the strongest growth in corporate air travel. Year on year transaction volumes were up by 11.1%. Corporate air travel to the Rest of the World region, encompassing the emerging markets of South East Asia, Latin America, and Africa grew by 3.3%.

Transaction volumes in Brazil and China declined by 6.1 and 2.3% respectively, as the economies in both countries began to slow after breakneck growth in previous years. Business class transactions showed an overall decrease of 14.8% with economy transactions recording an overall increase of 0.5%.

The shift from business class to economy was particularly acute in Europe suggesting changes made by business travellers on short haul routes during the peak of the downturn has extended well beyond it. Stewart Harvey, Group Commercial Director of HRG says: “The general picture is of an industry in slow but steady recovery. However, despite the improved view there is still a focus on cost by our clients and an increase in the use of economy fares, particularly on short-haul destinations. We’re also seeing rail re-emerge as a genuine alternative to air travel.

“Getting the best value for money when it comes to air fares, and aligning travel budgets to match high growth markets are the priorities for our clients as they look to make a limited pot go further. “The BRIC countries (Brazil, Russia, India and China) are now well established business travel destinations and, with the exception of India, the huge growth in air travel to these destinations is slowing. What we’re seeing now is significant growth coming from smaller, less established destinations, like Colombia in Latin America, and Ghana in Africa. These countries are poised for massive growth over the next decade as more international routes open up.”

Encouraging signs after challenging 2012

HRG figures show that corporate travel is on the rise after a challenging period in the second and third quarters of 2012. Transaction volumes recovered in the final quarter of 2012, showing 0.5% year on year growth, and this continued into the first quarter of 2013, when transaction volumes rose by 3.2%.

HRG’s findings are supported by the latest data from IATA, which reported 5.9% rise in the number of passenger kilometres travelled globally in March 2013. Despite cautious optimism however, HRG figures indicate the picture remains mixed, with a number of clients still showing significant reductions in travel.

Global picture mixed with emerging markets underpinning growth

HRG’s Air Trends data shows evidence of an upward trend in business travel transactions and spend across all regions, though the pace of recovery varies significantly.

Growth in the Rest of the World region, encompassing the dynamic economies of Latin America, South East Asia and Africa, grew by 3.3%, providing further evidence that businesses are prioritising travel to emerging economies rather than traditional economic hubs in the West.

Year on year transaction volumes for UK domestic travel dropped by 2.9% while the rest of Europe showed a similar rate of decline at -2.7% for the year. Corporate air travel to the North Atlantic region decreased by 3.9%.

UK and Europe – Mixed picture as economic conditions remains uncertain

UK domestic travel dipped sharply in the second and third quarters of 2012, but recovered in the final quarter with year on year transaction growth of 2.6%. This growth continued into the first quarter of 2013, when UK domestic air transactions rose by 4.3% compared to the same period in 2012.

While the dip in air travel to mainland Europe was not as pronounced, the recovery has been slower, with the prolonged Eurozone crisis continuing to impact growth. The fragile economic situation across Southern Europe has led to signifcant reductions in air travel to Portugal (-20.1%) Italy (-14.6%) and Greece (-15.3%).

Germany emerged the most popular international air travel destination for HRG clients due to its position as a leading commercial centre, though even here transaction volumes were down 1.5%. Strong economic growth conditions and revenue opportunites across Northern Europe and Scandinavia drove a significant rise in air travel to the region.

HRG data shows an 11.5% rise in air travel to Norway and a 16.9% rise to Denmark. Interestingly, transactions for flights to France decreased by 5.2% between April 2012 to March 2013 when compared with the previous year. HRG figures reveal an increasing trend for business travellers to travel to France using high-speed rail services including Eurostar.

Many companies have also changed their travel policy, requiring travellers to travel by rail for this particular route as it allows for work to be completed en-route.

Latin America – Dynamism beyond Brazil

Latin America continues to grow as a business travel destination, but data from HRG indicates the pace of change is slowing in more established markets like Brazil. While air travel to Brazil has grown exponentially over the past five years, HRG’s data showed a year on year decline of 6.1% in terms of transactions.

As part of the exclusive ‘BRIC club’ Brazil may grab the headlines, but the opening of new international routes across Latin America is underpinning strong growth in air travel to less established destinations across the entire region. Peru (+18.2%), Chile (+16.7%), and Colombia (+36.2%) are all emerging as business travel destinations as international companies recognise investment opportunities in these smaller countries.

Middle East and North Africa – Bouncing back

Air travel to the Middle East and North Africa is showing signs of improvement after hitting rock bottom during the social-political uprisings of the last 18 months. Travel to booming Turkey rose by 11.5% year on year. HRG’s data also showed an increase in corporate travel to Saudi Arabia (+9.1%) and UAE (+5.3%), but business travel to Bahrain remains stymied by ongoing political unrest.

Air travel transactions to the Kingdom were down 13.3% year on year. In North Africa, inbound air travel to Tunisia is down by 22.7%, while air travel to Egypt declined by 2.7%. There are however signs this may be changing as Foreign Direct Investment is beginning to have an impact on business travel to the region.

Africa – Rising fast

Boosted by a plethora of new airline routes into Africa and a successful football World Cup in June 2010, the continent is gradually emerging as a desirable destination for business travel. Compared to the sluggish pace of growth in Europe, transaction volumes in Africa are rising at often eye-watering rates, albeit these rises are often from a low starting base. Inbound travel to Ghana was up 50.4%, and 14.8% to South Africa.

Asia – China stalls as India powers back

China may be tipped to overtake the US as the world’s biggest business travel destination by 2015, but even the world’s second largest economy has not been spared some economic hardship over the past year.

A slight slowdown in growth from the blistering pace we have become accustomed to is reflected in the 2.3% decline in year on year air travel transactions reported. Conversely, India was one of the major growth regions identified by HRG’s air trends data, showing year on year growth of 11.1%

United States – Feeling the pinch in 2012

Air travel transactions to the US dropped sharply in 2012, showing a year on year decline of 4.2%. In a sign that air travel to the North Atlantic region has yet to recover, Delta Air Lines, one of the US’s two biggest airlines by revenues, warned of a fall in demand in March and expected unit revenues to fall 2 to 3 per cent in April, as it experienced the impact of a weakening US economy.

Cabin classes – Belt-tightening hits business class

Business class transactions have declined dramatically across domestic and short-haul destinations in mainland Europe with drops of 22% and 45% respectively. Economy and low-cost carrier transactions on short-haul destinations in Europe rose by 1% and 4% respectively, suggesting a widespread shift in travel policy on these routes.

In the UK, economy and low-cost fares were down 1% and 9% respectively, indicating UK domestic business travellers may be swapping air travel for rail, and holding more meetings remotely. Belt-tightening is also extending to cabin classes on some long-haul destinations. HRG reports that while transactions to the Rest of World region are up on the previous year, business class transactions remained flat with the majority of the year on year rise accounted for by economy and premium economy fares.


Intellectual Property Protection Strategies for Business Travelers

“The moment you leave the office with your device, the risk of suffering data loss goes up by several times,” says Gill-Chris Welles of the security team at idcloak, “New exploits open up in all threat areas: physical theft, hacking, cookie jacking, packet-sniffer attacks – they are all much more likely to happen while traveling.

But if certain measures are put in place before a journey, you can limit the likelihood of data loss and, if it does happen, limit the damage that loss causes.” According to idcloak, a common mistake that businesspeople make is to subconsciously value their device over the data stored on it, “Many only realize the full extent of harm that data loss causes them after the los0.s has occurred. Business travelers need to be in a security mindset before they even begin their journey – ask themselves, ‘What data have I got on my device, and what damage could it do if it were lost?’”

idcloak’s first protection tip relates to physical theft. “Before setting off, ask your IT department to prepare your device for travel. They may install software that enables you to lock, operate or wipe clean your device remotely and, of course, to track its whereabouts by GPS if it is lost or stolen.”

Often data itself is the target for thieves, rather than the device itself, and Welles recommends using cloud storage exclusively, “Before you travel, clean your device’s drives of any data you don’t want to end up in others’ hands: it should all be stored in the cloud. To ensure that your data is protected and that only you can access to it, encrypt it with software like TrueCrypt prior to uploading it to your cloud storage provider. That way you are not dependent on the security of your connection, since the data itself is secured before it is transmitted. Also, if your data has significant market value, check if your company has you covered by data loss insurance and that your security practices while traveling are in line with the minimum security protocols demanded by the insurance policy.”

Hotel WiFi network hacks have received a lot of press lately. Welles had this to say on how to connect to hotel wireless safely: “Firstly, think twice about installing or updating any software on your computer while traveling. According to the FBI, recent malware attacks on hotel internet connections were delivered through rogue updates to common software. So update at home, not abroad.”

“Then, at minimum ensure HTTPS with a valid certificate protects your data as it is transferred – this will keep you safe against most WiFi sniffers. But better still, use the VPN tunnel your company provides, or subscribe to a trusted personal VPN service yourself: this security essential will encrypt all your internet activity, not just your browser’s, and make you immune to pack sniffing or man-in-the-middle attacks while you access your email or cloud-stored data.”

idcloak Technologies provides web services for security, control and freedom on the net. For more information, visit


Pacific Prime Clients with Aetna Gain New Medical Insurance Options in Saudi Arabia

The medical insurance provider Aetna has formed a new strategic alliance with The Company for Cooperative Insurance (Tawuniya) allowing for new options for Pacific Prime clients in The Kingdom of Saudi Arabia. The alliance will allow Aetna to provide health care services to expats living in Saudi Arabia and Saudi citizens living either in the Kingdom or abroad.

As part of the alliance, Aetna is providing cooperative cover for roughly 80,000 Saudi students while they are attending college or graduate school in the United States on scholarships provided by the Saudi Arabia Cultural Mission. Tawuniya is providing cover for the students during the period when they are back home in Saudi Arabia.

The alliance will also supplement Tawyuniya's global coverage for the Saudi Arabian Ministry of Foreign Affairs. Aetna's global medical network, which includes more than 100,000 hospitals and doctors outside of the US, will be available to Tawuniya's members. Aetna is also providing Tawyuniya with reinsurance and product development consulting. Members of both groups will be served through Aetna's Arabic-speaking call center in Dubai.

Pacific Prime analysts view this expansion as a natural step for Aetna as the company been experiencing a great degree of success in the Middle East in recent years. In 2012, Aetna managed to grow its medical portfolio in the UAE by 35%. The insurer has also received recognition from notable players in the region.

In 2013, Mena Insurance Review (MIR) named Aetna International the “Health Insurer of the Year”, praising the insurer for its rapid development in the Gulf region and its focus on helping people lead healthier lives. Pacific Prime analysts are eager to see how Aetna's presence will develop in Saudi Arabia and how PPI clients in the region will respond to the insurer's offerings.


Mobile Workforce As Popular As Ever

Organizations all over the world are leveraging the benefits of a globally mobile workforce. According to a KPMG International survey, 72 percent of over 600 respondents use global mobility programs to support overall business objectives. KPMG International’s 15th annual Global Assignment Policies and Practices (GAPP) survey provides a wealth of information for those responsible for or interested in global mobility. The detailed data found in these pages is an opportunity to compare or contrast one’s current practices to those of their peers or other types of organizations. Further, it allows for critical learning of best practices and new ways of thinking.

“A globally mobile workforce is as popular as ever,” says Achim Mossmann, Principal, KPMG’s International Executive Services, KPMG in the US. “Over the 15 years of this survey’s existence, in those companies where use of mobility is the norm, we have seen continued expansion and adaptation to the programs. We even see companies with headquarters in Nordic and Asia Pacific regions beginning to jump on the globalization bandwagon and needing to move their people to new strategic growth locations.”

Flexibility and adaptability of programs to address changing demands is strongly evidenced through the variety of assignment types offered:

  • 81 percent offer short term assignments;
  • 96 percent offer long term assignments;
  • 47 percent offer permanent transfer/indefinite length assignments.

Surprisingly, given the current economic environment, and the noted desire to support the business, only 12 percent of survey participants say that cost control and assurance of an acceptable return on investment (ROI) are of importance.

According to Mossmann, “Having agreed upon metrics to demonstrate ROI helps any global mobility program demonstrate objectively their value to the broader organization and secure continued program funding. However, a notable amount of survey participants struggle to track ROI information as it relates to international assignments—27 percent do not know the percentage of assignees that leave the organization within 12 months of repatriation and 31 percent do not know why they leave.”

Encouragingly, survey participants, year-on-year, continue to exhibit inclusionary mindsets as it relates to the definition of a “family” within their policies for benefit purposes. Fifty-five percent include unmarried domestic partners/companions of the opposite gender and 49 percent include unmarried domestic partners/companions of the same gender.

These broader definitions are most evident in European and Asia Pacific-headquartered organizations, and also within the financial services and high technology industries. In circumstances where organizations may offer incentives for assignees to accept international opportunities, many survey participants also take into consideration dual-career couples and their children.

For instance 21 percent provide job search support in the host country and 21 percent reimburse education expenses for the spouse/partner. Forty-one percent offer language training and 37 percent offer cross-cultural training to the assignee, spouse and their children.

Overall, the use of international assignees will remain the same amount or more for 86 percent of survey participants.


Impact Forecasting Launches The First East Africa Earthquake Model

Impact Forecasting, the catastrophe model development center of excellence at Aon Benfield, has launched the first catastrophe model for the East Africa region. The model quantifies the financial impact of earthquakes and in turn allows insurers and reinsurers to gain a better understanding of their exposures in this growing market. Aon Benfield is the global reinsurance intermediary and capital advisor of Aon plc (NYSE:AON). Areas of Kenya, Tanzania and Uganda are seismically active and prone to earthquakes due to their position in the East African rift system.

The region is prone to earthquakes as the rift system has two tectonic plates which are separating and diverging. There have been a number of recent earthquakes (Lake Tanganyika, M6.8 in 2005 and Arusha, M6.0 in 2007) which have affected the region. Similar events could more strongly affect Kampala, Nairobi and other major cities, which would have implications for the insurance and reinsurance markets.

The model is developed using the latest earthquake data from local and international experts, including the University of Pretoria Natural Hazard Centre Africa. To assess the impact of the hazard against the building resilience, the model analyses over 500,000 events against three occupancies (residential, commercial and industrial) and 24 structural types including three height and age categories. Portfolios can be modelled using CRESTA and State administrative levels. The model brings the following key benefits for insurers and reinsurers underwriting business in the region:

  • Ability to model loss to both property and life to in turn shape reinsurance buying;
  • Model can also be used for underwriting purposes of large commercial and industrial risks;

The model is available in ELEMENTS, Impact Forecasting’s loss calculation platform, which is transparent with detailed documentation, open and with customisation possibilities for individual clients including custom vulnerability functions, adding new events etc.

Simon Chikumbu, CEO of Aon Benfield Africa, said: “The African economies are growing pretty fast and so will insurance penetration in the region. Insurers and reinsurers in Kenya, Tanzania and Uganda are therefore seeking a greater understanding of the seismic risk in the region. This is to gain greater knowledge and better insights of their exposure and enable better decisions on matters such as capital, risk pricing and reinsurance requirements Up to now very little scientific research has been put into action in such a model to understand this risk in the region.”

Chris Ewing, catastrophe model developer at Impact Forecasting, added: “The East Africa earthquake model is an important addition to Impact Forecasting’s African Earthquake platform, which also includes South Africa and the Maghreb region. Impact Forecasting is committed to supporting our clients and catalysing their growth in the right direction, with the right tools in regions where no other modelling solutions exist.”


New Report Available: Bahrain Insurance Report Q3 2013

As of mid-2013, it appears that Bahrain's insurance sector is in something of a hiatus. As is the case in the rest of the region, the life segment is dominated by the local subsidiaries of multi-national insurers that are selling products and solutions to expatriates.

Official data points to a (small) fall in life premiums in 2011 and, for most companies, a fall in the numbers of policies. It is difficult to avoid the conclusion that the unrest which began in early 2011 has resulted in a reduction in the numbers of expatriate workers. Data about the development of life insurance through 2012 is fairly scant.

Nevertheless, this challenge is, almost certainly, temporary in nature. If the economy grows and develops as BMI envisages, it is virtually certain that the number (and wealth) of expatriate workers will increase: their demand for innovative savings solutions will grow also.

Indications from the non-life segment are mixed. According to the Central Bank of Bahrain (CBB), which regulates the insurance sector, overall premiums rose. Comments from particular companies, and the well documented problems of key areas of the economy such as the construction sector, suggest that times have been hard for many players in the non-life segment.

As is the case across much of the Middle East and North Africa (MENA) region, the industry is fragmented, lacking in pricing power and (with some exceptions) unable to achieve regional economies of scale. The unrest that began in early 2011 led to an increase in claims. Some companies appear to have suffered from further sharp rises in claims through 2012 as well. For many companies, investment profits have been unimpressive.

Meanwhile, reinsurance remains something of a wildcard for Bahrain. Bahrain is not a major reinsurance centre like Singapore or Bermuda, but it is an unusual market in that the reinsurance premiums that are booked are about 50% larger than the direct insurance premiums written. Arig reported that its reinsurance premiums for the first three quarters of the year were about 7% higher than they had been in 2011.

The company's profitability was hurt by disappointing investment returns and by higher claims, partly due to damages relating to the Arab Spring but mainly because of exposures to the massive natural catastrophes that took place last year. Other major reinsurers writing business in Bahrain include local group Trust International, Hannover Re, Hannover Re Takaful and ACR Retakaful.

If the CBB is able to attract one or two more substantial insurance groups to start operations in Bahrain - or if existing players dramatically increase their volume of business - Bahrain could emerge as an important provider of reinsurance cover to insurance companies that are operating throughout the region.

Get a copy of the report @


Travel Advice Nicaragua

Travel Advice Nicaragua

There’s no British Embassy in Nicaragua.

If you need emergency consular assistance, contact the Honorary Consul in Managua - This email address is being protected from spambots. You need JavaScript enabled to view it. or the British Embassy, Costa Rica.

The rainy season normally runs from May to November. Hurricanes can affect Nicaragua during this period.

Around 10,000 British tourists visited Nicaragua in 2011. Most visits are trouble free. Dengue fever is endemic to Latin America and the Caribbean. There is a low threat from terrorism.

Take out comprehensive travel and medical insurance before you travel.


IMG Europe Launches Unique Short-Term International Travel And Expatriate Medical Insurance Plan Range

IMG Europe Ltd, an award winning leader in the international and expatriate travel medical insurance market, announced the launch of GlobeHopper, a short-term international travel and expatriate medical insurance plan range for individuals, families and groups. The plan range provides cover worldwide for travelers and expatriates of all nationalities when they are travelling, or temporarily living outside of their home country. Applicants have a choice of GlobeHopper Single-Trip, Platinum and Multi-Trip plans, and can get instant quotes and apply online without medical underwriting.

“GlobeHopper is a unique and competitive addition to our product portfolio,” said Managing Director of IMG Europe and Chairman of the Association of International Medical Insurance Providers, Carl Carter. “It’s a very flexible plan range that meets the short to medium term travel medical coverage needs of expats and travelers worldwide. We have seen exceptional demand as it fills a very large gap in both the expatriate international medical insurance and travel insurance markets.”

Some plan highlights include:

  • Available worldwide to local nationals, foreign nationals and expats;
  • Trip durations from five days up to three years, or multi-trip coverage for unlimited trips of 30 or 45 days duration in a year;
  • Choice of GBP, USD or Euro premiums and schedules of cover;
  • Sums Insured from $50,000 up to $8,000,000 from an assortment of coverage options, each with specialized covers;
  • A wide range of excesses from nil to $25,000;
  • Wide range of optional add-ons including high risk/adventure sports, enhanced personal accident and evacuation endorsement options;
  • Coverage can be purchased after departure (or arrival);
  • The period of insurance can be incrementally extended if insureds are unsure of their duration of travel;
  • Incidental Home Trip Coverage allows insured’s to return home mid-travel for a short time during their period of cover;
  • Expats returning home can request home country coverage at the end of their trip so as to give themselves a short time to arrange local healthcare insurance;
  • If coverage ends during a course of covered treatment overseas, cover can be extended without paying additional premium for up to 12 months;
  • Freedom to choose any medical provider within area of cover backed by global network access;
  • No upper age limit;
  • Access to MyIMG, an online customer portal that allows instant document retrieval, online claims status checks and more.

Carter further added, “The plan range is also online quote and fulfillment enabled. This allows our intermediaries around the world the ability to add these plans to their websites to easily and securely generate sales, or email sales links to customers 24/7. Additionally, because the plan range is flexible and cover is available after departure, intermediaries no longer need to ignore travel insurance enquiries from expats or their relatives who have departed and arrived somewhere without cover, or who need short-term cover.”


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