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Totally Expat London, Business Design Centre, Islington, May 20th 2013

Meet International Private Medical Insurance Magazine at Totally Expat London, Business Design Centre, Islington, May 20th 2013.

The London Totally Expat Show is now Europe’s largest ever global mobility conference and exhibition with over 100 exhibitors, 30 technical sessions running throughout the day and over 1000 attendees. It takes place on 20 May at the Business Design Centre, Islington and is the must-attend event of the year for all European based global mobility professionals.

As with all our events, in-house HR/global mobility professionals attend free so book your place now to gain the contacts, knowledge and information you need to make every assignment productive and cost-effective! Our best-ever conference will include insightful, practical sessions covering the key issues in global mobility now.

Read iPMI Magazine's report on last years Totally Expat Show, which we also supported as a media partner and exhibitor. 

Visit to book your tickets today.


Allianz Worldwide Care Launches Interactive Map To Showcase Global Presence And Partnerships With Local Insurers

International health insurer Allianz Worldwide Care has launched an interactive online map highlighting the key partnerships which it has established to provide multinational clients with locally compliant healthcare plans. The map, which is available on the company’s homepage also shows the location of the company’s offices, its regionally based Doctors, Network Managers and sales team, and links through to its global medical network of hospitals, clinics and doctors.

Claude Daboul, Director of Sales, Marketing and Operations explained “We establish partnerships with local insurers in countries where our clients have staff on assignment and where healthcare cover must be provided by a locally licensed insurer. A key benefit of being part of the Allianz Group means that very often we are able to partner with the local Allianz company in these countries, which speeds things up significantly”. In 2013, Allianz Worldwide Care established a number of new partnerships to be able to provide corporate clients with locally compliant products in:

  • Angola with Nova Sociedade de Seguros de Angola (NOSSA Seguros)
  • Argentina with sister company Allianz Argentina Cía. De Seguros S.A.
  • Panama with Acerta Compañia de Seguros
  • Saudi Arabia with sister company Allianz Saudi Fransi

This initiative is part of Allianz Worldwide Care’s continuing focus on providing its corporate clients with a truly global health insurance solution and follows similar partnerships already established in a number of countries including China, Australia, the Netherlands, Switzerland, the UAE, Algeria, Mozambique, and Mexico. The company also established its own branch in Qatar in 2012.

Daboul added “Establishing these relationships means that we can provide our clients with healthcare cover regardless of where their employees are based. Clients have the convenience of dealing with one company, rather than having to establish relationships with multiple insurers. We deal with the complexity of local regulatory requirements so that our clients don’t have to”.


Aetna Brings New iTriage Employer Technology to Mid-Sized Businesses

Aetna (NYSE: AET) and iTriage®, one of the market leaders in consumer healthcare technology, today jointly announced the launch of a customizable employer enhancement to the iTriage consumer health app. Nearly 4,000 Aetna mid-sized employer clients can now offer their employees a company-specific, enhanced version of the iTriage app.

The iTriage employer-customized app: Customizes information for consumers based on their specific health benefits plan; Helps employees understand how using an in-network health care provider can be more affordable, which can also create cost savings for employers; and Reduces administrative work for health care providers, who will benefit from informed patients who have selected the right physician, facility and level of care based on their individual needs.

“The launch of the iTriage employer-customized app solution to Aetna’s mid-sized employer clients supports our shared vision of creating a better health care experience for our customers and their employees,” said Vibha Jha, vice president and head of Key Accounts for Aetna. “For the first time, employees and their families are able to use all of the unique features of iTriage with information based on their specific benefits plan.”

Founded in 2008, iTriage’s free consumer health care app has been downloaded nearly 10 million times, with 50 million uses each year, helping connect consumers with answers to “What could be wrong?” and “Where can I go for care?” With the launch of the new customizable app, employers can also now guide their employees who are looking for care within their network.

“iTriage is using innovation to change the health care delivery landscape,” said Dr. Peter Hudson, CEO and co-founder, iTriage. “We believe consumers and their employers are uniquely positioned to sculpt the next horizon of health care, and our products are focused on accelerating that change. Working with such a large group of employers and members is a huge milestone that underscores our mission to help consumers make better health care decisions.”

Helping Employees, Employers and Providers

With millions of Americans using smartphones to access health care information, the iTriage® app educates members about health conditions and where they can be treated – about two people every second. The employer-customized version of the iTriage app then encourages employees to consider in-network, clinically appropriate, lower-cost care through information about health care costs and care alternatives. Pop-ups alert members if they’ve chosen an out-of-network health care provider. Employers can help engage their employees and their families at the time of their health care decision through the customized app.

Through increased use of in-network health care providers and reduced cases of avoidable ER visits, employers can see an overall reduction in health care costs. The employer-customized version of the iTriage app will also help health care providers by providing a platform to reach potential patients at a time of need. In certain locations, once a patient identifies a health care provider in their network, they can book an appointment conveniently through the iTriage app.

For more information, visit

About iTriage

iTriage LLC, an Aetna subsidiary headquartered in Denver, Colo., is a global healthcare technology company founded in 2008 by two emergency medicine physicians. The company’s market-leading platform and mobile/website applications offer a proprietary Symptom-to-Provider™ pathway that empowers consumers to make better health care decisions. iTriage helps people answer the two most common medical questions: “What could be wrong?” and “Where can I go for care?” Millions of consumers around the globe have downloaded the free iTriage mobile app through the iTunes App store or Android Market, or used the iTriage website at In addition, thousands of health care providers already use the iTriage platform to reach more consumers and increase patient engagement.

About Aetna

Aetna is one of the nation's leading diversified health care benefits companies, serving an estimated 44 million people with information and resources to help them make better informed decisions about their health care. Aetna offers a broad range of traditional, voluntary and consumer-directed health insurance products and related services, including medical, pharmacy, dental, behavioral health, group life and disability plans, and medical management capabilities, Medicaid health care management services, workers' compensation administrative services and health information technology products and services. Aetna's customers include employer groups, individuals, college students, part-time and hourly workers, health plans, health care providers, governmental units, government-sponsored plans, labor groups and expatriates. For more information, see


iPMI Magazine speaks to Mr. Brian Friedman, Founder and CEO, The Forum For Expatriate Management

iPMI Magazine speaks to Mr. Brian Friedman, Founder and CEO, The Forum For Expatriate Management

Brian Friedman is the Founder and CEO of The Forum for Expatriate Management. A 30 year plus veteran of the Global Mobility profession, Brian was formerly CEO of both Ernst & Young's and previously Arthur Andersen's Human Capital Practice. Brian is uniquely triple qualified as a Fellow of the Institute for Personnel and Development, a Fellow of the Institute of Taxation and a Chartered Accountant. Brian also holds a Masters degree in Economics from St John's College, Cambridge University. Brian is the author of 4 books on the subject of International Compensation and HR, including "Effective Staff Incentives". He was also the co-author with David M Walker (former Comptroller General of the United States) of the groundbreaking book "Delivering on the Promise" which was a Number 1 business book bestseller in the United States.

The Forum for Expatriate Management is a membership organisation for all Global Mobility professionals. Membership is free to anyone who works full-time is any area of expatriate management - including HR, tax, health & welfare, financial services, relocation etc. Over the coming months we will be launching a wide range of seminars, surveys, networking events and on-line forums. Join now - and recommend us to your colleagues. Just apply to join our linked-in group. You can also visit our website at Specialties: Global Mobility, Expatriate Tax, Business, Immigration, Executive Compensation, Equity, Incentives, Outsourcing, Vendor Mangement.

Please introduce yourself and your back ground in the expatriate marketplace

I have lived and breathed “expat” for nearly 30 years. For many years I was the Managing Partner of Arthur Andersen’s and latterly Ernst & Young’s Human Capital practice. After I retired from professional practice, I set about fulfilling my dream of establishing Global Mobility as a profession in its own right rather than as an adjunct to other specializations. To me Global Mobility is not tax, healthcare, immigration, accommodation, shipping, banking and the rest – it’s all of them combined into a uniquely global solution.

What is important to expatriates in 2012 and what do they want?

Global Mobility is set to increase but in difficult times we do see changes in focus. Today’s focus is on cost control, risk management and value for money. Expats get exasperated when things that were easy back home become unnecessarily complicated once they move cross-border. Anyone who has tried to open a foreign bank account or lease a car without a local credit history will know those feelings of frustration. In short, expats want to enjoy their expat lifestyle without the accompanying frustrations of living abroad.

How does The Forum For Expatriate Management support and manage the lifecycle of an expatriate and their loved ones?

The FEM does not provide any services directly to expats. We are a Business to Business news portal and events company for anyone who is professionally involved in moving employees internationally. Our website is the pre-eminent source of information for anyone in the Global Mobility industry and our events are the flagship industry events worldwide.

The London Totally Expat Show 2011, was an outstanding success with the Totally Expat Show 2012 moving to the Business Design Centre in London on the 14th May 2012. What will be the major focus of the event this year, and what should visitors be sure not to miss?

We will have over 30 different technical sessions covering all areas of Global Mobility. We are expecting over 800 attendees and have an amazing exhibition featuring 100 different service providers. We are covering all angles including international medical, international schools, tax, immigration, talent management, technology and much more. We are also featuring corporate panels with representatives from such prestigious companies as HSBC, AstraZeneca, Aviva, BAe Systemsn, Electronic Arts, GKN, ThomsonReuters, Diageo, Experian, Pearson and many more.

Celebrating excellence in global mobility, the EMMAs are the only global awards that truly recognize the expatriate industry leaders, business successes and rising stars. What can we expect at this year’s awards?

This year we are hosting the EMMAs in 3 locations – Las Vegas on 13 September (for the Americas), London on 19 October (for Europe) and Hong Kong on 28 November (for Asia Pacific). Last year we have over 500 nominations and this year we are on target for nearly 1000. The EMMAs are the Oscars of the Global Mobility profession. Winning an EMMA is the ultimate accolade and the Awards ceremonies are evenings that are now legendary within our profession.

The USA Totally Expat Show 2012 takes place June 1st 2012 in Chicago, USA. Chicago is one of the USA’s biggest centers for Global Mobility with HR Professionals enjoying free attendance. What have you got in store for us @ the 1st Totally Expat Show in the US?

We have hosted Totally Expat Shows before in New York and Houston and we held a conference in Chicago last year. This year’s Chicago Totally Expat Show will feature over 9 hours of technical sessions and an exhibition of 24 leading service providers. We are expecting about 250 attendees. We think a major draw will be the corporate panel sessions featuring such blue chip companies as Kraft, Whirlpool, General Motors, PwC, Navistar and many others.

Where do see healthcare and insurance appearing, on the list of priorities of an expatriate?

Healthcare and insurance is never as high on the list of priorities as it should be. Too many expatriates take unnecessary risks by not having appropriate levels of cover. We do get a fair number of healthcare and insurance providers exhibiting and attending our events so hopefully we are together raising awareness. We encourage all iPMI readers to attend our events and to join the online FEM community at

The iPMI Magazine readership is worldwide. We have readers within Insurance and Travel/Medical Assistance, and from industry verticals like Oil and Gas, Construction, Media, Retail, Mining, Military, EMS, Travel, Hospitality and Aviation. What opportunities exist for such company’s @ The Totally Expat Show and EMMAs?

We have a number of Awards that iPMI readers can be nominated for. The most relevant are International Benefits Provider of the Year as well as Global Mobility Professional of the Year and Rising Star. From a corporate perspective we have awards for small, medium and large Mobility programs as well as a wide number of industry specific awards (eg best Global Mobility program in the Oil and Gas Sector). Other relevant awards include Best Practice in Challenging Locations and Best Vendor/Corporate Partnership.

What will the Expatriate market place look like in 5 years time and what role will technology play in accelerating the growth and development of the business?

Globalization and Global Mobility are the defining mega-trends of our time and probably of all time. The need to explore our environment is deep within our psyche and the only limiting factor is the enabling technology. As technology expands so does global mobility. That is a trend that underpins society and will only be restricted if external calamities (such as war or natural disaster) prevents people from moving freely and safely cross-border. People often say that communication technology (such as video-conference or Skype) means that people don’t need to travel so much. Personally, I don’t believe it for a moment – technology will encourage businesses to globalize further and that will inevitably mean more international business travelers, assignees and international retirees.

Last but not least: If you could live anywhere in the world, at land or at sea, where would it be?

I love travel so would find it hard to settle down anywhere. My favorite countries in the world are Australia and New Zealand. But I also love Tuscany and Languedoc. Probably, I should just retire to a cruise liner and just keep travelling !! `

Meet iPMI Magazine @ The Totally Expat Shows and EMMAs - email This email address is being protected from spambots. You need JavaScript enabled to view it. to set up a meeting


Latest Egypt Travel Intelligence

The Foreign and Commonwealth Office (FCO) advise against all travel to the Governorate of North Sinai due to the significant increase in criminal activity and recent terrorist attacks on police and security forces that have resulted in deaths.

Travel and Medical Insurance

Take out comprehensive travel and medical insurance before you travel.

In view of continued unrest and the evolving political situation in Egypt, the FCO advise against all but essential travel to the rest of Egypt except for resorts on the Red Sea in South Sinai and those resorts on the Egyptian mainland in Red Sea governorate (including Hurghada). In the governorate of South Sinai the FCO advise against all but essential travel, with the exception of (i) the Red Sea Resorts including those in the entire region of Sharm el Sheikh, Taba, Nuweiba and Dahab; (ii) the St Catherine’s Monastery World Heritage Site; (iii) road travel between the Red Sea resorts; (iv) road travel from the Red Sea resorts to St Catherine’s Monastery approaching from the east; and (v) transfers between the resorts and the airports of Taba and Sharm el Sheikh.

The FCO do not advise against the use of Cairo airport as a transit stop providing you do not leave the airport grounds. There have been access problems on some of the roads to Cairo airport, chiefly Saleh Salem Road. If you are already in a part of Egypt where the FCO advise against all but essential travel, you should consider whether you have a pressing need to remain.

If you decide to remain in Egypt, you should stay at or close to home or a place of safety (eg your hotel), keep a low profile and pay close attention to your personal safety, particularly in the larger cities.

You should avoid crowds. You should follow the regulations set by the local authorities and obey curfews. Make sure you keep valid photographic identification with you at all times.

Protests and demonstrations

In Cairo on 14 August Egyptian security forces ended sit-in protests at Nahda Square close to Cairo University in Giza and at Rabaa Al-Adaweya mosque in Nasr City.

This resulted in at least 500 deaths. Violent clashes also occurred near Mostafa Mahmoud Square in Mohandiseen, Cairo. On 17 August there were further violent clashes in Ramses Square and at the Al Fatah Mosque between protesters and security forces. Demonstrations planned for the afternoon of Sunday 18th August, including outside the Constitutional Court in Maadi and Roxy Square in Heliopolis were cancelled by the organisers because of security concerns.

There have been demonstrations in other parts of Egypt, including Alexandria, Hurghada and Luxor, some of which have turned violent. Further demonstrations are likely and could take place in any part of the country. Army and security forces have been deployed in anticipation of further protests and rallies in the coming days. Train services across Egypt are suspended. A curfew was declared on 14 August between 7pm and 6am local time.

This is expected to continue for several weeks. The governorates affected by this are Cairo, Giza, Alexandria, South Sinai (except for Sharm el Sheikh, Taha and Dahab) North Sinai, Suez, Behera, Minya, Assiut, Souhag, Beni Suef, Ismailia, Qena and Fayoum. A national state of emergency has been declared for Egypt for a period of 1 month. You are strongly advised to avoid all demonstrations and large gatherings. If you become aware of any nearby protests, leave the area immediately. Don’t attempt to cross road blocks erected by the security forces or protesters. There is a serious risk of violence and sexual assault at demonstrations. NGOs report more than 100 rapes and sexual assaults against women in demonstrations since 30 June. Foreign and Egyptian women have been attacked. See Political and security situation

Red Sea Resort areas

Enhanced security measures are in place to protect the resort areas. There have been no violent protests in the South Sinai resorts during recent disturbances in Egypt In Hurghada on 14 August there were some violent clashes, in an area away from tourist resorts. One man was killed.

On 16 August there was a demonstration near the marina area. You are strongly advised to follow the advice of the local authorities and avoid all demonstrations and large gatherings. If you become aware of any nearby protests, leave the area immediately. Do not attempt to cross road blocks erected by the security forces or protestors.


There is a high threat from terrorism.

Although security is tight throughout the country, especially in resort areas, there remains a high risk of attacks which could be indiscriminate, including in public places frequented by foreigners.

Travel and Medical Insurance

Take out comprehensive travel and medical insurance before you travel.


Bupa Appoints Patricia Hewitt As Board Director

Bupa, the international healthcare company, today announced the appointment of Rt Hon Patricia Hewitt to its board as a non-executive director. Ms Hewitt joins Bupa following an extensive parliamentary, government and business career. She was MP for Leicester West for 13 years, holding the positions of Secretary of State for Health between 2005 and 2007 and Secretary of State for Trade and Industry and Cabinet Minister for Women between 2001 and 2005.

Before joining the Cabinet, she was Minister for e-Commerce and Small Business, and Economic Secretary to the Treasury. Ms Hewitt left Parliament in May 2010. Ms Hewitt is the senior independent director of BT Group plc, non-executive director of Groupe Eurotunnel SA and chair of the UK India Business Council, an organisation that promotes trade between the two countries.

Lord Leitch, chairman, Bupa, said: “Patricia’s extensive government and international business experience will bring valuable insight to Bupa as we deliver on our vision to make a positive difference to health systems, reaching millions more customers around the world.” Ms Hewitt joins the Bupa Board on 1 July 2013. Bupa has no shareholders and reinvests its profits to provide more and better healthcare.


Raffles Health Insurance Launches 2 New International Health Insurance Plans In Conjunction With Bupa

Raffles Health Insurance Launches 2 New International Health Insurance Plans In Conjunction With Bupa

Raffles Health Insurance Pte Ltd (RHI), a wholly-owned subsidiary of Raffles Medical Group has launched two new international health insurance plans targeting next generation expatriates and international businesses in the Asia Pacific region, in conjunction with international health insurer Bupa. The plans, insured by Raffles Health Insurance and administered by Bupa, are called RHI-Bupa Company Health Select Asia Pacific and RHI-Bupa Company Health Choice International.

The Company Health Select Asia Pacific plan is designed for businesses that operate in the Asia Pacific region, whose employees do not need worldwide cover, while the Health Choice International plan covers members in three different countries. Members on the Company Health Select Asia Pacific plan are covered for treatment in more than 40 countries in the Asia Pacific region, with the exception of Hong Kong; while the Company Health Choice International plan covers members in three countries, for which Singapore has to be their residency country with members choosing two additional locations of choice (excluding the USA).

These new tailored plans provide an affordable and flexible option of healthcare for a next generation of expatriates and the businesses employing them. Rather than offering worldwide cover, the plans are tailored to the specific locations to provide the individual with the right treatment, at the right time and in the right place.

Danny Yap, Principal Officer and General Manager of RHI, said, “We are delighted to see our relationship with Bupa continue to grow. These new products broaden our offerings and further position RHI as one of Singapore’s leading healthcare insurance specialists.” Wayne Close, Managing Director at Bupa International said, “We are very happy to be working with Raffles Health Insurance. The launch of these products further demonstrates Bupa and RHI’s commitment to providing access to high quality healthcare in the region and to the international businesses operating from Singapore.”

He added “With international businesses increasingly moving their Asia regional headquarters to Singapore, we expect the number of next generation expatriates in Singapore to continue to grow. These two new plans have been developed in response to the needs of these businesses and expatriates.”

Both plans include comprehensive in-patient cover and assistance cover, including emergency evacuation and repatriation. Members can also increase the cover to include an additional out-patient module or extend it to their families. In addition, RHI and Bupa have a dedicated 24-hour multi-lingual team to provide medical assistance. Bupa offers quality individual and group medical cover to people who are in their home country or living and working abroad. Under this relationship, RHI will directly insure the plans while Bupa is the administrator.


ACE Comprehensive Travel Medical Insurance Announces a New Pre-existing Medical Condition Coverage Policy for Visitors to the United States

ACE Comprehensive Travel Medical Insurance Announces a New Pre-existing Medical Condition Coverage Policy for Visitors to the United States

India Network Foundation, sponsor of health insurance for visitors to the U.S., announces the addition of the ACE Network Health Insurance Plan, a new comprehensive insurance.

Dr. KV Rao, President of India Network, said, "After we initially tested the product, we were surprised at the response from our members. They loved it! The ACE Network comprehensive Travel health insurance plan is great for visitors with pre-existing conditions who are seeking insurance coverage for such problems as diabetes, blood pressure, hypertension, or any other medical conditions of the past."

A unique feature of ACE Network Visitor Health Insurance Plan is its treatment of new health conditions and pre-existing health conditions on the same par with coverage for both outpatient services and inpatient services. This is the only plan in the United States that offer protection against pre-existing medical conditions, new medical conditions, and accidents without any differentiation of coverage. The ACE Network plan pays 80 percent of the first $5,000 of medical expenses after the deductible, and then 100 percent up until the coverage maximum allowed. This special feature limits the exposure of policy holder to a maximum of $1,000 plus deductible chosen for any medical condition, or accident.

An interesting aspect of the ACE Network Health Plan is that is provides pre-existing health insurance for visitors with pre-existing conditions such as high blood pressure, diabetes, and other medical conditions. ACE Network Visitor Health Insurance Plan operates in the Multi-Plan PPO Health Network — the largest provider network of hospitals and doctors in the United States that allow comprehensive coverage and provide a high-level of medical care to visitors.

India Network Health Insurance spokesperson Deepa says, "The summer is always a busy season for travelers, especially visitors from India coming to the U.S. I am very excited we were able to offer the ACE Network Health Plan in time to provide the much needed pre-existing comprehensive coverage that assures safe and happy travels."

The ACE Network Travel Health Insurance Plan works in conjunction with other quality insurance programs sponsored by the India Network Foundation: Standard (basic coverage for healthy visitors), Premier (basic coverage with pre-existing medical conditions), and Platinum Comprehensive Plan (with limited pre-existing condition coverage).

The latter, Platinum, was also recently released as an alternative to the ACE Network Expatriate Health Insurance Plan. Visitors staying for a period of less than three months can sign up for the Platinum Network Travel Insurance Plan. Compare Travel, Medical, Health and Expatriate Insurance in the International Private Medical Insurance Magazine Underwriter, Provider, Company and Broker Network Directory Guide, click here.

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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