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International Private Medical Insurance Magazine (iPMIM) is the ultimate Health and Medical Insurance Digital Media serving expatriate, corporate, health and travel insurance markets. Due to the nomadic nature of the international healthcare industry iPMI Magazine is an internet based news service, for worldwide healthcare professionals, who need to understand the impacts of healthcare and insurance policy, regulatory, and legislative developments. Combined with in depth health insurance industry analysis, best-in-class health insurance industry data, and exclusive, C-Suite Executive health insurance interviews and round tables, iPMI Magazine bridges an information gap between healthcare payor, provider and patient. Written by the health and medical insurance industry, for the health and medical insurance industry, iPMIM is supported and designed by leading international medical insurance companies and service providers.

Website URL: http://ipmimagazine.com

MercyOne Announces NCQA Case Management And Population Health Program Accreditations

MercyOne announced it has received both Case Management and Population Health Accreditations from the National Committee for Quality Assurance (NCQA), a private, nonprofit organization dedicated to improving health care quality.

MercyOne’s Population Health Services Organization was awarded the three-year accreditations in recognition of strong performance demonstrating the standards set forth in the NCQA guidelines for each program.

“We’re pleased to share this important distinction, which demonstrates our commitment to ensuring seamless, coordinated, quality care in our communities,” says Bob Ritz, MercyOne President and CEO. “MercyOne has a long history of pioneering new opportunities to improve the health of our communities, reduce costs and provide personalized care. The NCQA’s rigorous standards provide a meaningful benchmark to highlight top performers like MercyOne.”

Led by MercyOne Population Health Services Organization, the extensive undertaking took more than a year to complete and involved a thoughtful process of analysis and alignment with program standards.

“We work every day to improve population health, improve patient care and lower costs,” says Derek Novak, MercyOne Population Health Services Organization President. “I am especially proud of the high scores we received on randomly-chosen patient file reviews completed for both programs, which demonstrates our devotion to program standards.”

With more than 20 years of experience in population health MercyOne’s Population Health Services Organization works to lead innovative approaches to improving quality and reducing healthcare expenses. Since inception, the MercyOne Population Health Services Organization’s Partnered Provider Network has reduced health care expenditures for Iowans by more than $150 million, by working together to improve health, increase patient satisfaction, and lower health care costs for our members and the communities we serve.

The NCQA Case Management Accreditation provides a framework for implementing evidence-based best practices to ensure efficient and cost-effective case management processes and service delivery. Case Management Accreditation standards are developed with input from researchers in the field, the Case Management Expert Panel and standing committees, employers, both purchasers and operators of Case Management program, state and federal regulators and other experts.

The NCQA Population Health Program Accreditation helps organizations align their operations with the industry’s best population health management practices. Population Health Accreditation standards are developed with input from various stakeholders and resources, including health plans, population health management industry leaders and organizations, an expert panel and standing committees.

NCQA Accreditation standards are intended to help organizations achieve the highest level of performance possible and create an environment of continuous improvement. Visit their website for more information about the NCQA Health Plan Accreditations.

 

 

ActiveQuote Appoints New Head Of Technology

ActiveQuote has appointed Neil Williams as its new Head of Technology. 

Neil joins the UK health and protection insurance comparison service during an ongoing period of growth for the Cardiff-based company.

Most recently responsible for the development of bt.com, BT Sport and PlusNet’s new websites, Neil brings more than two decades of technology leadership with him to his new role with ActiveQuote.

Neil said: “I’m thrilled to have joined the team at ActiveQuote. Technology has always been an exciting and evolving space, and never more so than in the current climate, where technology has kept so many businesses operating and so many people connected. 

“ActiveQuote has fully embraced new ways of working during this time, as well as bringing some exciting technological developments forward for the benefit of the UK insurance industry as a whole.”

“It is hugely exciting to have been given the opportunity to support the senior team in driving the next phase of growth at ActiveQuote forward, therefore, in these extraordinary times we continue to find ourselves in.”

Neil has previously worked with corporates including KPMG, Proctor & Gamble, Credit Suisse and Abu Dhabi Government Services, and was invited to present at the International Conference on Information Quality at MIT, on Data Quality and Agile Methodologies in a business environment.

The father of two is also an ex-rugby player turned triathlete who has completed two Ironman races, and is a proud ambassador for Velindre Cancer Centre in Cardiff.

Rob Saunders, CEO at ActiveQuote, said: “It fantastic to have Neil on board, who brings with him a wealth of experience at what continues to be a hugely transformational time for the insurance industry as a whole.

“We are committed to consistently pushing technological boundaries here at ActiveQuote for the benefit of our partners and UK consumers alike, and Neil’s appointment will help strengthen our approach no end.”

Founded in 2009, ActiveQuote was the first comparison service to compare health insurance policies in the UK and allows customers to tailor-make their policies by adding or removing options such as hospital cover and physiotherapy.

 

Passenger Demand Recovery Grinds to a Halt in November

  • Total demand (measured in revenue passenger kilometers or RPKs) was down 70.3% compared to November 2019, virtually unchanged from the 70.6% year-to-year decline recorded in October. November capacity was 58.6% below previous year levels and load factor fell 23.0 percentage points to 58.0%, which was a record low for the month.
  • International passenger demand in November was 88.3% below November 2019, slightly worse than the 87.6% year-to-year decline recorded in October. Capacity fell 77.4% below previous year levels, and load factor dropped 38.7 percentage points to 41.5%. Europe was the main driver of the weakness as new lockdowns weighed on travel demand.
  • Recovery in domestic demand, which had been the relative bright spot, also stalled, with November domestic traffic down 41.0% compared to the prior year (it stood at 41.1% below the previous year’s level in October). Capacity was 27.1% down on 2019 levels and the load factor dropped 15.7 percentage points to 66.6%.

“The already tepid recovery in air travel demand came to a full stop in November. That’s because governments responded to new outbreaks with even more severe travel restrictions and quarantine measures.  This is clearly inefficient. Such measures increase hardship for millions. Vaccines offer the long-term solution. In the meantime, testing is the best way that we see to stop the spread of the virus and start the economic recovery. How much more anguish do people need to go through—job losses, mental stress—before governments will understand that?” said Alexandre de Juniac, IATA’s Director General and CEO.

NOV 2020 (% YEAR-ON-YEAR) WORLD SHARE1 RPK ASK PLF (%-PT)​2 PLF (LEVEL)​3
Total Market
100.0%
-70.3%
-58.6%
-23.0%
58.0%
Africa
2.1%
-75.6%
-63.6%
-23.4%
47.4%
Asia Pacific
34.6%
-61.6%
-52.9%
-15.0%
66.4%
Europe
26.8%
-82.2%
-71.6%
-31.2%
52.3%
Latin America
5.1%
-59.8%
-55.3%
-8.3%
74.0%
Middle East
9.1%
-84.5%
-69.5%
-36.1%
37.2%
North America
22.3%
-67.6%
-48.7%
-30.1%
51.8%

1) % of industry RPKs in 2019  2) Year-on-year change in load factor 3) Load Factor Level

International Passenger Markets

Asia-Pacific airlines’ November traffic plunged 95.0% compared to the year-ago period, which was barely changed from the 95.3% decline in October. The region continued to suffer from the steepest traffic declines for a fifth consecutive month. Capacity dropped 87.4% and load factor sank 48.4 percentage points to 31.6%, the lowest among regions.

European carriers saw an 87.0% decline in traffic in November versus a year ago, worsened from an 83% decline in October. Capacity withered 76.5% and load factor fell by 37.4 percentage points to 46.6%.

Middle Eastern airlines’ demand plummeted 86.0% in November year-to-year, which was improved from an 86.9% demand drop in October. Capacity fell 71.0%, and load factor declined 37.9 percentage points to 35.3%.

North American carriers had an 83.0% traffic drop in November, versus an 87.8% decline in October. Capacity dived 66.1%, and load factor dropped 40.5 percentage points to 40.8%.

Latin American airlines experienced a 78.6% demand drop in November, compared to the same month last year, improved from an 86.1% decline in October year-to-year. This was the strongest improvement of any region. Routes to/from Central America were the most resilient as governments reduced travel restrictions—especially quarantine requirements. November capacity was 72.0% down and load factor dropped 19.5 percentage points to 62.7%, highest by far among the regions, for a second consecutive month.

African airlines’ traffic sank 76.7% in November, little changed from a 77.2% drop in October, but the best performance among the regions. Capacity contracted 63.7%, and load factor fell 25.2 percentage points to 45.2%.

Domestic Passenger Markets

NOV 2020 (% YEAR-ON-YEAR) WORLD SHARE1 RPK ASK PLF (%-PT)​2 PLF (LEVEL)​3
Domestic
36.2%
-41.0%
-27.1%
-15.7%
66.6%
Dom. Australia
0.8%
-79.8%
-70.8%
-25.8%
57.8%
Dom. Brazil
1.1%
-34.5%
-36.0%
1.8%
84.5%
Dom. China P.R.
9.8%
-4.8%
6.0%
-8.5%
74.7%
Dom India
1.6%
-49.6%
-37.8%
-17.0%
72.8%
Dom. Japan
1.1%
-39.5%
-25.6%
-14.7%
64.0%
Dom. Russian Fed.
1.5%
-23.0%
-14.0%
-8.4%
71.6%
Dom. US
14.0%
-59.9%
-39.9%
-27.4%
54.8%

1) % of industry RPKs in 2019   2) Year-on-year change in load factor 3) Load Factor Level

Australia’s domestic traffic was down 79.8% in November compared to November a year ago, improved from an 84.4% decline in October, as certain states opened up. But it continued to significantly lag other domestic markets.

India’s domestic traffic fell 49.6% in November, an improvement over a 55.6% decline in October, with more improvement expected as more businesses reopen.

View the full November Air Passenger Market Analysis

Emirates Group Security Appoints MedAire As A Partner To Enhance AVSEC Threat and Risk Assessments

Emirates Group Security’s – a multi-faceted organization part of the Emirates Group – longstanding partnership with MedAire has been cemented with yet another collaboration to build an innovative, cutting-edge solution that will improve its thorough analysis and threat-prevention systems in the aviation industry.

MedAire has been appointed to provide timely, accurate and actionable information that will enhance Emirates Group Security’s (EGS) arsenal of leading-edge systems. The partnership between the companies to create a comprehensive security solution will allow for increased accuracy and decreased incidents. MedAire’s aviation security solution for Emirates Group Security will include airspace and airport assessments, 24/7 access to security/operational assistance, and security intelligence via an Aviation App and Travel Security Online Portal. 

Dr Abdulla Al Hashimi, Chief of Group Security, commented, “Our reputation in the industry for providing the best aviation security services is unrivalled. One of the reasons for our unequalled success is the constant investment in technology and our absolute resilient efforts for continual improvement. I am delighted with this partnership, and I’m sure that Emirates Group Security with MedAire will provide for a safer environment for all aviation industry professionals and customers.”

MedAire’s Aviation Security services help airlines receive timely, accurate, actionable information and provide them with thorough security assessments of crew hotels and ground transport at outstations. These additional security precautions will allow Emirates Group Security – solely responsible for handling security services and its implementation across the entire Emirates Group – to leverage and deploy a safer environment in all the moving facets of the operational chain.

Emirates Group Security was recently awarded the Dubai Quality Gold Award for Business Excellence and continues to adopt international standards that have made the company a market leader in the aviation security industry for over 29 years. EGS’s decision to incorporate MedAire’s Aviation Security services is aligned with its ethos and commitment to safety, security, and best practices for mitigating operational risks.  

Emirates Group Security places great emphasis on continual improvement as an everyday method-of-working. The organization has successfully implemented several lean, quality-enhancing, and forward-thinking projects in all its departments. This has allowed EGS to continue delivering the highest level of aviation security services, unperturbed by the year-long pandemic. 

MedAire signed a Memorandum of Understanding with the Arab Air Carriers’ Organization (AACO) as the preferred supplier of Aviation Security and Assistance Services for their Airline Members, including Emirates Group Security. MedAire’s strong presence in the Middle East and Africa - which includes a Security Centre in Dubai - their expertise in-country and their extensive client base in the Region offers a platform for the airlines to rely on for their threat analysis.

iPMI Magazine Provider Network Directory January 2021

The January 2021 edition of the iPMI Magazine Provider Network e-Directory is out now, featuring over 85 pages of international private medical insurance and assistance company intelligence.

The iPMI Magazine network consists of a wide range of leading international medical payors and service providers, on call, 24/7 to assist you manage worldwide medical risks during a global pandemic.

The international medical network covers all sectors of the global medical insurance business, and you can use the directory to source new partners and service providers. Simply use the the contact details within the network directory to connect with new partners and customers. 

IPMI Market Network Sectors: IPMI, Assistance, Air Ambulance, Cost Containment And Claims Management, Funeral Directors, Ground Ambulance, Insurance Technology, Healthcare Insurance Management and Pharmacy Benefits Management.

    Enter full screen click the small rectangle above ↑

The IPMI market use the iPMI Magazine Provider Network Directory to source the best information and data on international private medical insurance 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.

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

Current Advertisers 

Click a company name below to visit their micro web site on iPMIM and learn more or download the brand new e-directory using the above link. To add your business to the e-directory and launch a micro website please write to David Bond, CIO, iPMIM on ipmi[at]ipmimagazine.com

PAYORS AND PROVIDERS IN FOCUS:

IPMI

ASSISTANCE

AIR AMBULANCE

COST CONTAINMENT AND CLAIMS MANAGEMENT

FUNERAL DIRECTORS

INSURANCE TECHNOLOGY

HEALTHCARE INSURANCE MANAGEMENT

PHARMACY BENEFITS MANAGEMENT

 

 

Global Excel Achieves SOC 1 & 2 Type I Certification

Global Excel Management Inc., a leader in Healthcare Risk Management, today announced that it is now officially SOC 1 & 2 Type I compliant across the organization.

The SOC 1 Type I report provides organizations with assurance that internal and connected external reporting controls are properly designed and in place. The SOC 2 Type I report examines a consistent set of parameters around third party IT services,
including Privacy, Confidentiality, Processing Integrity, Availability and Security.

“Healthcare data is highly sensitive and personal by nature and protecting that information for our clients and their members has always been a top priority for Global Excel. Achieving SOC 1 & 2 Type I certification reinforces our continuous commitment to data security and confidentiality. This type of stringent, independent auditing provides detailed assurances about the controls and safeguards that we have in place, as well as ensuring that any third-party vendors or partners meet our security standards” said Paul Anderson, Director, Information Security & Compliance at Global Excel.

The Global Excel SOC 2 Type I report is available to clients upon request.

Global Excel is a full-service cost containment, claims management and medical assistance company offering a complete range of services to international, Canadian and U.S. domestic clients.
With over 365 corporate clients located in more than 90 countries around the world, Global Excel manages approximately 360,000 inpatient, outpatient and non-medical cases and files per year and processes over $1.9 billion in claims annually.

For more information please visit www.globalexcel.com

 

COVID-19 Deteriorates Expat Mental Health

A major piece of research* released by AXA, in which 578 expats were surveyed, has found that two-in-five (39%) feel as though their mental health has deteriorated as a result of the COVID-19 pandemic.

Prior to the outbreak of COVID-19, nearly two-in-three (62%) would have described their general state of mind as good. However, this fell to just one-in-three (35%) during the pandemic. Fewer than one-in-ten (6%) said that their mental health had improved, and more than a quarter (28%) went so far as to say that they have never faced a situation that had been worse for their mental wellbeing.

Andy Edwards, Global Head of International Healthcare, AXA Global Healthcare, commented, “COVID-19 has clearly had a very real impact on the mental health of the expats in Europe that were surveyed. Many will undoubtedly have experienced feelings of isolation and struggled to either return home or visit loved ones. Now, with winter coming and many regions across Europe tackling a second wave of infections, it’s vital that these individuals prioritise their mental health.”

As troubling as these findings are, it seems that COVID-19 has brought about something of a change in the attitudes of expats towards mental health. Three-quarters (75%) of the respondents said that they have never used professional help to deal with mental health issues in the past. However, three-in-five (61%) say that the pandemic has made them reconsider the way they think about their mental wellbeing.

There is still work to be done though, in terms of encouraging expats to accept help when they need it. A quarter (26%) wouldn’t know where to find professional help to improve their mental wellbeing and half (47%) feel that they wouldn’t be able to pay for it. As such, despite the high number of expats who claim to have struggled, only 7% have used professional help to deal with a mental health issue during the pandemic.

Andy Edwards concluded: “While it’s certainly encouraging to see that expats are reconsidering their attitudes towards mental health, it’s clear that further encouragement is required for them to seek support. There have been huge improvements in connectivity and clinical pathways between primary care and mental health services either delivered by the state or as part of a health insurance plan. These improvements may play a significant role in identifying those people who have an underlying mental illness, but unaware, present only with physical symptoms.

“For those that are ready to seek help, this increased connectivity and advancement in virtual services that we’re seeing this year, improves accessibility and ensures that help is available for those that need it, wherever they are in the world.”

*Research conducted in June 2020 by Insights Consulting on behalf of AXA European Markets team. A total of 578 respondents living outside their country of birth were surveyed

**Research conducted in April 2020 by Savanta. A total of 543 HR decision makers and 568 non-native assignees (107 in North America, 113 in the UK, 57 in France, 57 in Germany, 116 in China, 60 in Hong Kong and 65 in Singapore) were surveyed.

The 6 Big Risks For 2021

International risk management and assistance expert, Healix International, has identified six key areas of risk – besides the continued impact of COVID-19 – for global organisations in its 2021 Risk Oracle report.

  1. Natural Disasters - The increasing frequency of extreme weather events with natural disasters becoming more pronounced both in terms of frequency and severity. Building resilience to natural disasters is a significant exercise.

  2. Faceless Threats - In a context of increased isolationism, and more time spent online, individuals will become increasingly disconnected from normative community activity with a comparative increase in crime and incidents of violence perpetrated by 'faceless' lone actors.

  3. Supply Chain Disruption - The highly complex logistical webs that make up the global economy have predominantly been designed with cost and efficiency in mind. Unless resilience starts to be factored into these considerations, disruption to supply chains will remain a significant operational risk factor.

  4. Cyber Attacks - No longer just an inconvenience, they are potentially calamitous. More worrisome, attacks targeting government infrastructure are on the rise, and any cyber breaches in this space could have unprecedented implications.

  5. Decay of the ‘social contract’ - Mounting frustrations over inequality, cynicism of perceived corrupt political elites, and distrust of wider civil society including the media and big business amid the pandemic of ‘Fake News’ are likely to lead to increased public agitation and worsening levels of political cohesion.

  6. Erosion of domestic political cohesion fuelled by social media - Complex political issues find themselves being misrepresented in the form of a ‘post’, ‘share’, or ‘tweet’. This dynamic will become more prevalent in 2021 and result in even more social and political divisiveness, with rising levels of political risk in locations where the ‘culture war’ is most pronounced.

As Chris Job MBE, Director, Risk Management Services, Healix International explains, it is vital for organisations with an international footprint to ensure that the myriad of risks beyond the coronavirus remain a focus. “2021 is likely to be as busy a year for challenging global events, some predictable and some unprecedented. Overlay this expectation with a new and as yet undefined normal and a global drive for economic growth, the need for robust organisational resilience plans is clear. The key now is to ensure consistent and reliable monitoring is combined with access to the most appropriate resources to ensure employee wellbeing remains the priority.

“With our deep-rooted, in-house medical and security expertise underpinned by modern technology, Healix offers a single-source comprehensive, compelling and powerful risk solution for 2021 and beyond.”

The 2021 Healix International Risk Oracle Report, along with a global Security Risk Map, can be downloaded from https://info.healix.com/download-risk-forecasts-2021

5 Ways Employers Can Help Their Team Beat The January Blues

Cheryl Lythgoe, Matron at Benenden Health, shares five useful tips to support positive wellbeing and help employees beat the January blues as we enter the new year.

Every year, one in four of us will have a mental health problem according to Mind, with the COVID-19 pandemic placing further strain on our mental wellbeing. This means it is more than likely that a member of your team could be living with mental health issues.

At an already challenging time, winter can also exacerbate poor mental health for many, with at least one in five suffering from wintertime ‘seasonal affecting disorder’ (SAD).

Whilst January 2021 brings its own unique challenges, there are some things we can do to support employees and stop them from slipping into a wintery slump.

1. Let there be light

All forms of light and brightness can help us fight off the winter blues when the days are short and the nights are long.

When the mercury drops, going outside to brave the icy air sinks to the bottom of the priority list. But it’s important to encourage your team to get outside; few things beat natural light – even on a cloudy day.

With many teams now working from home, encourage your employees to think about their home set-up and encourage them to use more lamps and LED lightbulbs, which tend to be brighter than conventional bulbs and give off a more natural spectrum of light.

For those still in an office, make sure there is as much natural light as possible and encourage employees to take breaks to get into the open air when it’s still light. Walking meetings are also a great way of encouraging your employees to get outside that works for those in the office, and for those still working from home.

2. Getting social

Social interaction is a well-known protector against all forms of depression, lowering blood pressure and levels of stress hormones. Encouraging your team to stay connected through regular video calls and team updates, if working from home, can help address feelings of loneliness and isolation in a month when spirits can be low.

Many workplaces have implemented virtual social events for teams still working remotely, from online coffee mornings to book clubs and exercise classes, and for those still working in an office, think about events that can still take place with social distancing in place – even just having a natter over a cup of tea can help.

Make sure you check in individually on those who may be struggling and encourage an open channel of communication so you can identify any issues and offer support where needed.

3. Staying active

Whilst the dark days and cold weather can naturally put us off going outside to exercise, it is well documented that keeping active has mood-lifting effects that are as good as taking antidepressant medication.

As an employer, encourage your staff to exercise as much as possible, with team exercises a great idea to keep fit, healthy and connected during isolation. These can be outside in line with government guidelines, otherwise online fitness classes or YouTube exercises could be good alternatives.

To allow for the short days, consider introducing a flexible working policy, allowing employees to step away from their desk and get some fresh air whilst it’s still light outside.

4. Step away from the screens

A recent Ofcom report[1] found that UK adults are currently spending a quarter of their waking day online – which is a new record high!

While this is to be expected with a significant number of people working from home and limited entertainment options, it’s important to recognise your employees need time away from work, especially as the workplace is now in the home for many. This might be ensuring that they always take time away from their desk for their lunch, encouraging them to get outside when possible, or promoting signing off from their computers on time.

5. Talk to someone

Consider training up mental health first aiders to support your teams throughout the year.  There are also specialist organisations who employers can turn to who will be able to offer the support and advice that you and your staff may need. When looking for a provider of this service, you might want to consider whether they offer 24/7 telephone support as the team member affected might feel more comfortable raising an issue anonymously than raising it through their manager.

Benenden Health enables businesses to offer affordable, high quality, private healthcare to every employee. This includes round the clock care such as 24/7 GP and Mental Health helplines, plus speedy access to services such as physiotherapy and medical treatment so employees can have peace of mind that they can ask for help whenever they need it.

For more advice on how to support your team and promote positive mental wellbeing this winter, go to: https://www.benenden.co.uk/be-healthy

 

A Quarter Of Expats Took Out New Health Insurance Plans To Cover Family Members Amidst Coronavirus

  • 35.5% of expats added family members to their current insurance plan due to the COVID-19 pandemic;
  • 24.5% of expats took out a new policy to provide cover for their family members;
  • 82.6% of expats developed healthier habits during COVID-19 crisis.

The data has been revealed in the 'Expat Family Wellness Survey 2020: The Impact of COVID-19', published by international health benefits provider, Aetna International. The report, which surveyed 1,000 expat families in the UK, US, Singapore and UAE, explores the effect of the COVID-19 pandemic on expat family health and well-being. It investigates how expats managed both their own and their children's health and well-being during the pandemic and subsequent lockdowns. 

The survey found that in response to COVID-19, a quarter of expats (24.5%) took out a new insurance plan to provide cover for their family members. Adding to this:

  • 35.5% of expats added family members to their current insurance plan 
  • 15.9% didn't buy extra cover for their family members, but did consider it
  • 7.3% didn't buy extra cover for their family members but would consider it for the future
  • Only 16.8% did not buy extra cover for their family members

Overall, 60% of respondents either added family members to an existing insurance plan or took out new cover so their immediate relatives could be added. Globally, 33% of expats already had health insurance to cover themselves and their family members. 

iPMI and improved access to health care

With access to health care a key issue for many expats, it is unsurprising to learn that 60% of our respondents added family members to an existing insurance plan or took out new cover so their immediate relatives could be added. A further 23.2% said they have or would consider buying additional cover due to the COVID-19 pandemic.

45% of expats with health insurance in the U.S. added their family to their current health care plan due to the COVID-19 pandemic. While in the UK, 33% said that they took out new plans. These figures are higher than in the UAE and Singapore, although this is probably due to higher rates of cover in these regions, insurance being mandatory for most expats in UAE — and 45.2% of respondents from Singapore already had cover for the whole family.

While expat concerns around health care access have grown, insurance has offered many families peace of mind. As well as providing members with the insurance safety net, international private medical insurance providers, such as Aetna International, can help to improve physical and mental health by offering well-being resources such as mental health apps, fitness membership discounts and virtual health services.

Speaking in our video on virtual health and its benefits for expats, Richard di Benedetto, President, Aetna International, said: “It helps when you are an expat and you’re not familiar with the environment.

“If you are in Singapore, or in Africa, and you think that you have fever or a cough you can immediately consult with less than a half hour waiting time, a doctor through a video call. And he will see all your medical conditions and he can give you advice, or he can give you a diagnosis.”

Regional differences

Expats in Singapore and the UAE were most likely to already have health insurance for themselves and their family members, at 45.2% and 37.2%. This is higher than the global average of 33%. 

Only 21.6% and 28% of expats in the UK and U.S. already had health insurance for themselves and their family members. However:

  • 45.9% of expats in the U.S. who said that they already had health insurance, added their family to their current health care plan due to the COVID-19 pandemic
  • 33% of expats in the UK who said that they had health insurance bought a new plan so that family members would be covered

An increased awareness of health

These findings suggest an increased awareness of health and health care and the value of health insurance during the COVID-19 pandemic, which is strengthened by the fact 82.6% of expats developed healthier habits during COVID-19 crisis.

Of the 82.6% of expats that developed healthier habits during COVID-19 crisis, 69.5% did so because the pandemic made them aware of their own health. Adding to this:

  • 27.5% of expats said that they have been meaning to improve their health for a while
  • 3% of expats developed healthier eating habits because they are an at-risk group 

The UAE and Singapore have the highest percentage of participants that have developed healthier eating habits (89-90%), since the onset of the pandemic, closely followed by the U.S. with 84%. The UK has the lowest number of participants who have developed a healthier eating routine due to COVID-19 at 67%. 

Dr Hemal Desai, Global Medical Director, Aetna International says, "The health crisis has clearly made people more aware of their own health. It's heartening to see that people have been developing healthy habits to keep themselves well. Private medical insurance has become increasingly important for expats as a means of protecting one of their most valuable assets – their health and the health of their families. Organisations like ours are more than just an insurance provider. At Aetna, we are a health and wellness partner helping people access health care solutions for physical and mental health in a way that suits them, both online and in their local community. As the impact of COVID-19 continues it is more important than ever that people protect their own health and that of their family."   

The full report can be seen here: https://www.aetnainternational.com/en/about-us/explore/living-abroad/expatriate-life/expat-family-wellness-survey-2020.html

 

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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