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UK Health Insurance News

UK Health Insurance News

If you are searching the internet for UK Health Insurance News, International Private Medical Insurance Magazine has you covered.

Get the latest most up-to-date UK Health insurance news, UK Health insurance articles, UK Health Insurance insurance case studies, interviews and UK insurance industry content.

International Private Medical Insurance Magazine has been delivering UK Health Insurance Industry Insurance content since 2009 and is the leading voice of the UK Health Insurance Market.

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Insurance News

Insurance News

If you are searching the internet for Insurance News, International Private Medical Insurance Magazine has you covered.

Get the latest most up-to-date insurance news, insurance articles, insurance case studies, interviews and insurance industry content. International Private Medical Insurance Magazine has been delivering Insurance content since 2009 and is the leading voice of the Health Insurance Industry.

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Insurance Articles

Insurance Articles

If you are searching the internet for Insurance Articles, International Private Medical Insurance Magazine has you covered.

Get the latest most up-to-date health insurance news, insurance articles, insurance case studies, interviews and insurance industry content. International Private Medical Insurance Magazine has been delivering Insurance media since 2009 and is the leading voice of the Insurance Industry.

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Health Insurance Articles

Health Insurance Articles

If you are searching the internet for Health Insurance Articles, International Private Medical Insurance Magazine has you covered.

Get the latest most up-to-date health insurance news, health insurance articles, health insurance case studies, health interviews and health insurance industry content. International Private Medical Insurance Magazine has been delivering Health Insurance articles since 2009 and is the leading voice of the Health Insurance Industry.

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Health Insurance News

If you are searching Google, Yahoo, Bing or Yandex for Health Insurance News, International Private Medical Insurance Magazine has you covered.

Get the latest and most up-to-date health insurance industry news, articles, case studies, interviews and industry content. International Private Medical Insurance Magazine has been delivering healthcare insurance news since 2009 and is the leading global voice of the health insurance industry.

Including:

  • Executive Appointments;
  • Mergers and Acquisitions;
  • New Plans and Products;
  • Company and Provider Information;
  • Executive Interviews;
  • Case Studies;
  • Round Tables.

Regional Focus:

  • America;
  • Canada;
  • Asia Pacific;
  • Europe;
  • Middle East
  • South, Central and South America.

Insurance brokers and intermediaries, underwriters, providers, hospitals, assistance companies and ground and air ambulance owners, operators and brokers all read International Private Medical Insurance Magazine to access the best health insurance news, on a daily basis. 

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VIDEO: Pacific Prime Receives IHI Bupa's 2013 Travel Insurance Award

Pacific Prime is pleased to announced that IHI Bupa has named Pacific Prime the "Top New Business producer" for travel insurance in 2013.

"Pacific Prime has been a big supporter of IHI Bupa's travel insurance plan for a number of years and we won this award for being the biggest distributor of IHI Bupa's travel plan in 2013," said Neil Raymond, CEO of Pacific Prime. "We're incredibly proud to have won the award, and we will continue to advise travelers about the benefits of this plan. It is by far one of the top selling policies at Pacific Prime." Raymond explained that the IHI Bupa plan is such a popular option for travelers because it is extremely flexible and appeals to a wide range of people. "First of all, it's backed by an incredibly good insurer, IHI Bupa, a very trusted brand with tremendous service capabilities and a big global support network, but secondly, the plan itself is simply an amazing plan," said Raymond.

"From an inpatient perspective, the medical benefits are unlimited, which is unique in the market, and there is also a slew of other advantages to the plan such a unique modular form, extensive cover for maternity, and flexible dates of coverage." "Overall the health insurance market is growing substantially, not only the annual health insurance policies but the travel insurance business as well," Raymond explained. "A plan with the unique benefits such as IHI Bupa's is very attractive for travelers, so we look forward to selling a lot more of their travel insurance plans in the rest of 2014, and hopefully we can win the award again next year!"

Pacific Prime is an insurance intermediary based in Hong Kong that offers local insurance solutions and a wide range of health plans to cover individuals and families. With more than twenty years experience in the insurance industry, Pacific Prime offers superior advice on how to get the best insurance and where to get it from.

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Travel Industry Targeting High-End Families

WikiTrend.org, the social trends catalogue for trendsetting ideas, products and experiences, is reporting a growing trend in travel and tourism in looking to attract families in general, and wealthy families in particular. Family travel is growing, but high-earning families are traveling even more, and their spending is increasingly attractive to travel providers.

State and city Convention and Visitor Bureaus (CVBs) are reporting a rise in destination family reunions, which guarantees a large number of people traveling to the same location on any given date. Meanwhile, airlines and hotels are competing for the privilege of pampering families seeking luxury travel experiences. Etihad Airways, the national airline of the United Arab Emirates, is now offering on-board nannies to watch and entertain children in-flight.

The Trump SoHo, an upscale hotel in New York City, is offering children under the age of 17 the opportunity to live like young entrepreneurs, equipping them with business cards, monogramed robes, and etiquette classes.

The Mark, another New York City hotel offers branded MacLaren baby strollers designed in the hotel's signature black and white stripes for high rollers with tots in tow. The sell to guests is that they can leave their strollers at home, and not have to lug this unwieldy piece of equipment. Instead, they have full use of the hotel's very chic strollers for the entire length of their stay.

"As people look towards family travel to fulfill their need for meaningful experiences, the competition for this business will heat up even further," says trends expert and keynote speaker Daniel Levine, who is also the Global Editor of WikiTrend.org, "With an increasing number of wealthy families looking to share experiences, travel stakeholders are becoming ever more innovative in making high-end travel more appealing for kids and parents alike."

About WikiTrend.org

Updated daily, WikiTrend.org is the home of trendsetting ideas, products and experiences for fun, insight, inspiration and profit. For thinkers, entrepreneurs, innovators and marketers, WikiTrend.org is a fantastic resource offering powerful insight into what global consumers are thinking and feeling. Find them on the Web at www.WikiTrend.org.

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MH Ross Unveils Enhanced Asset and Asset Plus Travel Insurance Plans

MH Ross Unveils Enhanced Asset and Asset Plus Travel Insurance Plans

  • New Features Include Flat Rates for Children, an Adventure Sports Coverage Option, and Greatly Increased Medical and Emergency Medical Evacuation Coverage Limits.

MH Ross Travel Insurance Services, Inc., a leading provider of travel insurance to consumers nationwide, today announced major enhancements to its popular Asset and Asset Plus plans. Several new features – made possible in part through a special arrangement with underwriter Arch Insurance – offer valuable cost and coverage benefits for a range of travelers including families with children and adventure sports enthusiasts.

Responding to current health care cost realities, the plans also offer higher limits for medical and emergency medical evacuation coverage while traveling. Among the most significant new features is a flat rate for children designed especially for cost-conscious traveling families. The Asset plan's rate is $14 for all children 17 years or younger traveling with the family.

The Asset Plus plan's rate is $25. On both plans, coverage is limited to a maximum trip duration of 60 days and a maximum vacation cost of $50,000 per person. This flat-rate feature also makes MH Ross plans highly attractive when compared with competing plans that do not charge for children but are costlier overall. Another distinctive new feature is an adventure sports coverage option.

For an additional cost of $25 per person, travelers who enjoy such activities as skydiving, mountain climbing, spelunking, parachuting, hang gliding, or bungee jumping can receive medical and medical evacuation coverage if participation in one of these activities while traveling results in an accident or injury. In addition, the Asset and Asset Plus plans offer several other new and enhanced features.

The new features include the ability to recover lost vacation costs due to cancellation because of a pregnancy that occurs after the insurance was purchased, a hurricane warning, a school year extension that conflicts with a planned vacation, or an employer canceling an employee's vacation. Among the key plan enhancements are higher medical coverage limits (raised from $25,000 to $50,000) and higher emergency medical evacuation limits (raised from $50,000 to $500,000).

"We're delighted to announce so many new features and enhancements to our Asset and Asset Plus plans all at once," said Sheri Machat, Senior Vice President, MH Ross. "They help our plans stand out in a more striking way in this very competitive marketplace. But, more important, they deliver special value to people who depend on our insurance for peace of mind when they're traveling. Two of the big beneficiaries of these changes are families, who can now travel more cost effectively, and adventure travelers, who can now obtain coverage when pursuing activities they're passionate about. We hope both these groups and others take a close look at the changes we've made before they pursue their next great travel adventure."

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Bupa And AIG Launch Travel Insurance Agreement

Bupa and AIG have announced a new deal to join forces in developing a range of new products and services for the travel insurance market. The agreement brings the benefits of two major brands to customers - Bupa’s healthcare expertise and AIG’s market leadership in travel insurance and assistance services. It will see the provision of a suite of enhanced products and services covering the corporate, SME, and individual sectors.

Bupa is keen to expand its travel insurance business and believes that the partnership will enable it to better meet customers’ demand for high-quality travel insurance. The agreement brings customers the quality of Bupa-branded travel insurance and the reassurance of AIG’s worldwide international assistance and medical evacuation.

Tony Wood, sales director for Bupa Health Funding, said: "This is an exciting development and will allow us to offer a wider range of products that will appeal to more customers, at a range of price points. "We believe this partnership is also good news for intermediaries by helping to expand their business as well as ours." Bupa and AIG will work together to roll-out the new services and products for the travel insurance sector over the next two years.

Michel Faucher, AIG UK Head of Accident and Health, said: “Through this innovative agreement, AIG can continue to increase its market leading position in the travel insurance market. Customers can benefit from AIG’s insurance expertise as well as our customer assistance capability through our TravelGuard subsidiary which offers support 24-hours-a-day, 7-days-a-week, before or during a trip.”

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Air Medical Transportation Europe

 

Air Medical Transportation Europe

Düsseldorf 08:00 AM: A call comes in to operations of Jet Executive, JEI: a 30 year old man vacationing on Mallorca, Spain is suffering from a fracture of leg and rip after a motorcycle accident. While speeding on the highway he hit a pole. The girlfriend of the patient was sitting in the back but luckily she didn’t have any injuries. They need to be repatriated back to Switzerland. Dennis Stoffel, ground operations manager, who is on duty while the call comes in probably won’t have any unpredictable difficulties with the organization of this flight. It is within European borders so no permissions will be required.

Considering the routing Spain to Switzerland the Munich based Learjet 35 is in a slightly better position than the company’s aircrafts which are based in Frankfurt. And with a total flight time of four hours this operation will be managed within one day even if the patient needs to be picked up from the hospital on Mallorca and dropped off at his new destination in Geneva.

“The crew will return to their Home Base so I don’t need to worry about hotel bookings nor minimum crew rest times,” he finishes his explanations. Having a strategic geographic base of operations is essential to the success of any air ambulance company. Primarily serving the European market, Jet Executive’s headquarters its operations in Frankfurt and Munich. “Geographically Germany is the centre of Europe, no matter if you fly from south to North, or West to East you will most likely overfly German territory which gives us a competitive advantage to other providers”, argues Irena Dimitrijevic, the new Marketing and Sales manager of JEI. “Our position enables us even to serve the Northern African countries and the Eastern part of Russia without a fuel stop.”

The bulk of such air ambulance work comes from insurance companies repatriating tourists. With a large number of vacationers from all over Europe to the top holiday destinations such as the Canary and Balearic Islands, Italy, Greece or even Northern African destinations like Sharm el Sheik in Egypt there is increase the demand for patient transfers during the summer months. The patients need to be brought back to their home countries which in most cases are Germany, Austria, France, Swiss, the UK or one of the Scandinavian countries. However, insurance companies are not the only ones that request patient transfer charters. Quite often, wealthy private citizens and foreign nationals seeking high-end European and US health care are willing to pay the price to have a private jet taking them to internationally recognized health clinics. For long distance flights the Challenger 600 comes more likely in action compared to short distances due to comfort reasons.

“The Challenger 600 operating under D-Busy is Jet Executive’s flagship and can be equipped with up to three stretchers”, reports Irena Dimitrijevic. Next to the insurance companies many brokers all around the world request ambulance flight each day. If they are specialized in the business they can be very useful as they are specialized certain geographical areas and are in contact to many end customers. Others have their key business focused on executive flights so the potential outcomes of their requests are rather ineffectual. Occasionally companies receive calls to retrieve injured soldiers, after acts of terrorism or humanitarian disasters, government personnel or ambassadors and their families.

Larnaca airport, Cyprus 12:30 PM

Captain Meyer and his Co-Pilot Wischer just landed on the 9800 feet long runway in 37 degrees of Mediterranean heat. Once again the job of getting the patient home has fallen to the flight crew and medical staff of the Learjet 35 D-CGRC. The aircraft is equipped with an incubator for the little patient. Baby L.S., born on the sunny island a few months ago. Unfortunately his short life hasn’t been as sunny as the weather so far. His mom had a premature birth and since then she hasn’t left the island due to the critical condition of her son.

Both parents haven’t seen their home in Leeds, England for almost a year now because the doctors refused to risk any repatriation up unti today. The baby suffers from prematurity symptoms for an indefinable time and therefore the flight is life-threatening. Captain Meyer will have this in mind for the whole five flight hours up to the British Island.

“As in most cases, organizing the actual flight was the easy part; the hard part is always coordinating the logistics between the two countries such as the destination hospitals”, says Dennis Stoffel, “We had to reschedule the flight three times before we were able to finally operate it. The client kept cancelling last minute due to a missing bed in the receiving hospital in Leeds and even surrounding areas. At the same time we had to coordinate the time schedule of the accompanying child doctor. She is usually working shifts in a hospital but needed to be available on the exact date of the repatriation. Hospital beds in England are rare compared to other European countries.

“Certain countries are well organized and the clients are taking care of all logistics. But other once expect you to be responsible for the arrangement of a suitable ground ambulance and a bed-to-bed service is taken for granted.”

Despite a continuously merging Europe each country still remains different in their way of living and their medical provision so that at the end of the day these are the challenges an International Air Ambulance Operator has to cope with. Considering the advantages of a united Europe one can say that open borders and a visa free layover is one of them. In contrast to Executive flights there aren’t any countries in Europe left which are claiming permissions for an air ambulance operation.

“As soon as we operate into neighbouring countries we often have a handling Agent who supports us with individual Customs and Immigration inspectors”, explains Mr. Stoffel.

“Russia for example is showing signs of a maturing market and growing demand for any kinds of flight operations. As more and more Russian citizens are indulging themselves a German medical treatment an intermediary becomes essential. The operations staff navigates the bureaucracy and receives information about operating airports, fuel and visa policies. Then there are the medical logistics to address. Jet Executive is using a pool of more than 70 doctors and further 60 flight-paramedics, all of them with a lot of experience in ICU air ambulance operations. “We have medical crews based in Munich and Frankfurt.

They are responsible for arranging ground transportation and ensure that the Aeromedical staff must have all necessary equipment on board. Therefore the medical report is always a key factor. It decides the compilation of the Medcrew and the necessary equipment on board.

“A few weeks ago we flew a pregnant lady from Spain back to her home town Bristol, UK. We had a Medcrew consisting of four people on board: One child doctor, one midwife, one doctor for the mother and one nurse. We were prepared for every possible case,” demonstrates the Irena Dimitrijevic.

Bernd Ringelmann, president of Jet Executive said preparing for the unexpected and managing it when it happens is crucial to effective international air ambulance operations. “Every trip is different; sometimes the shorter once within Europe can be harder than the once abroad.” Consideration on every patient transfer include an assortment of “known issues,” such as monitoring duty days, pre-positioning crews worldwide as required, obtaining foreign visas for medical staff and aircrew, landing rights, over flight permits (particularly Middle Eastern countries such as Iran and Iraq). Moscow Vnukovo for example charges a fee for each passenger when using the terminal even if it is a patient; London Heathrow is very expensive to operate so that London Gatwick is usually considered for an air ambulance operation,

Bolzano airport in Italy can be only operated by a King Air turboprob and not a Learjet and specific airports in Europe are only operable with decent weather conditions. These are just a few pieces that need to be considered for the whole puzzle. But even some parts of Europe still remain difficult because of political issues.

“If we have to quote a flight to Kosovo we need to calculate approx. half an hour on top of the actual flight time because it’s not permitted to fly straight to Kosovo over Serbia and vice versa. It is defined by the NATO that you need to fly a curve over Montenegro while avoiding Serbia”, explains Sebastian Mueller from the operations department.

The front line of any air ambulance company will always be the aircrew and medical staff on board each flight “So you need the right people to come to solutions and decisions quickly. The pilots making the decisions have to be enthusiastic, committed individuals prepared to make the necessary short-term sacrifices inherent in the job.

“We depend on the pilot’s ability to think and act for themselves. The rules apply for example when operating unknown airports especially in African countries or war zones like Afghanistan. “Being able to adapt to unpredictable developments on the scene goes with the territory. The challenges are there every day,” said Bernd Ringelmann.

All air ambulance providers need to have a necessary authorization with the LBA (Luftfahrt Bundesamt) and comply with appropriate rules and regulations. Air ambulance providers in particular need to be provided with known and registered ICU Equipment in order to be put on a provider list with many customers. Beside these few requirements it’s all about the geographical positioning of the Home Bases and the company’s strategy. While there are many commonalities among aeromedical companies, each one seems to have its own business philosophy, structure and ideas about how to get the job done.

Munich airport, 22:30 PM

The engines of the Learjet D-CGRC are slowly calming down. Captain Meyer and Co-Pilot Wischer are climbing out of the aircraft and checking out. Baby L.S. has been dropped-off at the airport in Leeds- Bradford and brought to the St. James Hospital in Leeds. The patient was delivered in a stable condition and finally brought back home.

The Medcrew packs up the medical equipment and finishes their medical reports. Captain Meyer makes a call to Düsseldorf operations to sign off from the job. Air ambulance flying can be physiologically exhausting considering that crews are operating in challenging and difficult location and that the all the employees are putting in long days and a lot of night shifts. But nevertheless, very often they get the reward of retrieving sick and injured people back home.

Düsseldorf 00:35

Christian Dörken is working the night shift and has just completed the flight plans for an ad-hoc flight tomorrow morning; Frankfurt-Adana-Stuttgart-Frankfurt. The booking just came in two hours ago. The flight crew is briefed and the ground ambulances will be organized first thing in the morning. He has also completed the record from this morning regarding the injured young man from Mallorca who was brought back home to Switzerland safely.

Mission completed for now – until the next call comes in to operations!

Written By Irena Dimitrijevic,Marketing & Sales Manager, JET EXECUTIVE International Charter GmbH & Co. KG.

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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