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iPMI Magazine Speaks with Antony Brown MBE, Head of Africa, Aetna International

In this exclusive iPMI Magazine interview, Christopher Knight, CEO, iPMI Magazine, met with Antony Brown MBE, Head of Africa at Aetna International. They discussed in detail the international private medical insurance market in Africa, and the Sanlam Pan Africa and Aetna International Global Health Plan.

Please introduce yourself and background in the international private medical insurance (IPMI) market:

After 10 years with Her Majesty’s UK Foreign Office, I started the African subsidiary of InterGlobal Private Medical Insurance in 2008, as a member of the Executive Management team, and with overall responsibility for the Africa region as Regional General Manager, I later accepted the role of Head of Business in Africa for Aetna International following the acquisition of Interglobal by Aetna.

I have traveled extensively across the continent and I have a thorough understanding of the key insurance services required in local markets. I am also very well-versed in the regulatory requirements needed by insurers looking to operate stand-alone insurance businesses or partner with local insurance entities, in the region.

Sanlam Pan Africa and Aetna International have joined forces to deliver Africa’s “most comprehensive health care solution”. Can you walk us through the features and benefits of the new IPMI plan for Africa?

This offering has been created in partnership with Sanlam Pan Africa to address the healthcare needs of both local and expatriate nationals, on an international basis, across all market segments in 20 countries in Africa. Global Health offers a broad range of benefits, an extensive direct billing medical network and an enhanced member experience with local in-country service. The Global Health Plan reflects the needs and concerns of our clients and members across Africa, by giving them access to quality health care in a cost-effective way.

Through this partnership, we bring together the Africa-specific experience of Sanlam Pan Africa with the global expertise of Aetna International to deliver Africa’s most comprehensive and locally compliant health care solution with broad international access.

The Global Health proposition provides four plan levels — Value, Essential, Plus and Premium — with coverage ranging from US$100,000 to US$5,000,000. Depending on the tiers, the plans offer a host of health and well-being benefits, including cancer care, inpatient psychiatric treatment or psychotherapy, HIV or AIDS, terminal care, dental, optical and emergency treatment outside the area of cover.

With pre-authorised inpatient care across all of Africa and outpatient direct billing across the 20 Africa markets, Global Health offers members access to one of the widest medical networks locally and globally, as well as a 24/7 multilingual call centre for emergency and evacuation immediate assistance.

Who is the target market for the Global Health plan and why?

The Global Health Plan addresses the needs of the local market in 20 countries across Africa, for all employee levels: administrative, management and executive. Depending on the choice of cover, it offers access to health care in the country of residence but also abroad, for cases where medical expertise is not available locally or where the member is travelling. 

Geographically speaking, which countries does the new Global Health Plan cover?

Global Health is sold in 20 countries across the continent including Angola, Benin, Burkina Faso, Cameroon, Congo Brazzaville*, Gabon, Guinea Conakry*, Ivory Coast, Mali, Madagascar, Morocco, Niger, Nigeria, Senegal, Togo, Kenya, Rwanda, Uganda, Zambia and Tanzania. Members in these countries can choose one of four variants of area coverage:

Area 1: Worldwide Inc. US

Area 2: Worldwide Excl. US

Area 3: Europe Inc. Africa, India, Pakistan, Sri Lanka, Lebanon & Bangladesh

Area 4: Africa, India, Pakistan, Sri Lanka, Lebanon & Bangladesh

* Subject to OFAC regulations

Regarding access to healthcare across Africa, and the medical network, what are the options?

Members have access to an extensive direct billing medical network across the continent and beyond with more than 8,000 directly contracted providers in Africa and over 1.3 million health care professionals globally.

Emergency and non-emergency evacuation remain a critical feature of any IPMI plan. What options are available?

All four variants of the plan — Value, Essential, Plus and Premium — offer medical evacuation and in-patient cover as standard, but the coverage limits vary depending on the plan tier. For members under the Platinum plan, the cover is 100% of the medical evacuation costs.

What currency and billing options are available for insureds seeking access to healthcare under the Global Health plan?

Whether it is choice of medical provider or level of benefits, flexibility is a key value proposition of the plan and the same is true for billing.

For plan sponsors, premiums can be invoiced centrally in USD, or in the local currency of each respective country, subject to local laws and regulations.  

For members, Global Health offers outpatient treatment from within the available network on a direct billing basis in each of the 20 countries — the medical provider invoices us, as the insurer, directly without the need for the member to pay at the point of service. Inpatient treatment is required to be pre-authorised beforehand, and arrangements will be made by us, as the insurer, for the medical provider to bill us directly without the member having to pay. 

Can you please give us some more background on Sanlam Pan Africa?

Sanlam Pan Africa is the Sanlam Group’s business cluster that manages financial services in the emerging markets in Africa (excluding South Africa). Africa is a fundamental component of the Sanlam Group’s vision, which is the strategic mission of Sanlam Pan Africa — to build a leading pan-African financial services group.

Founded in 1918 as a life insurance company, Sanlam has become the largest non-banking financial services group in Africa, through its global diversification strategy and an unmatched

Pan-African footprint in more than 30 countries. Over the years, Sanlam has established itself as a financial services leader in the emerging markets in Africa and Asia.

What opportunities exist in the African market for international private medical insurance? Africa is a challenging geography – what issues on the ground, are expats and travelers facing when it comes to accessing high quality healthcare?

Africa is certainly challenging; its sheer size and diversity means that it is impossible to make broad generalisations on healthcare across the continent. Each country has its own strengths and weaknesses when it comes to accessing healthcare in any situation. For example, while coverage of healthcare can be patchy in rural areas, the quality of service in urban areas is certainly improving and often the challenge can be in arranging and funding care. In this respect, many parts of Africa are leading the way technologically when it comes to seamlessly booking appointments and minimising the use of cash, and Kenya is a great example of this.  We expect this capability to expand and, as the use of technology becomes a norm, insurance companies and medical providers will have to be ready with digital offerings, like telehealth services, to meet the demands of their members. 

The diversity of the countries in terms of language, currencies, cultures, and service expectation is also a challenge. We believe we have managed to address these aspects by making our plans as locally relevant as possible — the plans offer cover to local nationals, all documentation is available in the primary language of the country, we offer local invoicing and currency payment options, access to primary care on a direct billing basis, and local in-country representation. 

In 5 years’ time how will the international private medical insurance market look in Africa?

In recent years we have seen employers across Africa pivot from traditional offshore international medical insurance providers to local ones. However, few local providers have the capacity to offer international cover, which in Africa, where certain forms of treatment are not always available locally, is essential. Combining the expertise and capabilities of Aetna and Sanlam not only solves for such issues but offers access to a world-class comprehensive healthcare service. 

Furthermore, as a result of the global pandemic, we are seeing employers across the globe re-think their strategies when it comes to sending their staff on expat assignments, meaning that we expect a pivot towards more local hiring. Africa is no exception, particularly as the local workforce becomes more skilled and self-sufficient. What this means is potentially less demand for the traditional, high-cost fully international plans, which are the norm today, and an uptick in demand for plans that are more focused on regional cover, with comprehensive yet affordable benefits. This is exactly where we position Global Health; fit for today’s market and yet future-proofed for the changes ahead.



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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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




Video: Think Insurtech Broker Academy General Overview - Season 1, Episode 1

In this exclusive video, Think Insurtech CEO Olivier LE FAOUDER provides a detailed general overview of the Think Insurtech Saas platform. 

Think Insurtech provides Private Medical Insurance (PMI), and International Private Medical Insurance insurers and brokers, the opportunity to manage the A to Z of sales and distribution of medical insurance in a compliant and connected environment.

We offer a comprehensive approach and process in working with clients to place both international and domestic healthcare cover including group life and income protection.

As you know, every insurance distributor must act honestly, fairly, and not misleading, in accordance with the best of interests.

Intermediaries must follow to rules: Obligation of result & Obligation of means.

Our Saas platform manage both performance taking only a few minutes to do a side by side detailed comparison whilst enhancing the client experience by enabling a live real time interactive discussion evaluating wants, needs and budget requirements and proposing a personal recommendation. The next step that we are working on with some of our insurance/providers partners is to digitize the customer engagement and application form as well as for groups with digital Know Your Customer (KYC) collection.

Related Reading: iPMI Magazine Speaks With Olivier LE FAOUDER, CEO And Brian S. Piper, Co-Founder - Strategic Business Development, Think Insurtech


iPMI Magazine Speaks With Olivier LE FAOUDER, CEO And Brian S. Piper, Co-Founder - Strategic Business Development, Think Insurtech

In this exclusive interview, iPMI Magazine's CEO, Christopher Knight, speaks with Olivier LE FAOUDER, CEO, and Brian S. Piper, Strategic Business Development at Think Insurtech.

They discuss in detail the brand-new Think Insurtech SaaS platform- digitalization of insurance distribution designed for international and private medical insurers and brokers, and what it means for regulatory and compliance challenges, whilst boosting sales and improving customer engagement.

Olivier is the founder of AOC Insurance Broker tech comparator and advises several key players in this industry. A member of the French Tech and awarded by the Insurtech ecosystem for its SaaS platform and the disruption of the value chain in distribution.

Brian spent the previous 10 years as Head of Global Business Development in expatriate healthcare insurance, personally visiting brokers worldwide.

You are the CEO at Think Insurtech. Can you explain exactly what Think Insurtech provides?

Olivier LE FAOUDER: Think Insurtech is first and foremost a team of insurance and technology enthusiasts with a legal background because, as you know, law and contracts play an increasingly important role in this industry with very strict regulations. We are credible players in this market, nominated this year for the Insurtech of the year in France because we are also intermediaries.

Think Insurtech is a software publisher specialized in PMI & IPMI with a SaaS platform to manage from A to Z the distribution of medical insurance in a global environment. At Think Insurtech, we offer a comprehensive approach and process in working with clients to place both international and domestic healthcare cover including group life and income protection. The process follows the EU’s GDPR and Insurance Distribution Directive (IDD) by collecting data through API, identifying and analysing needs, creating a comparison panel of solutions including a personal recommendation and sending the complete set of policy documentation and application. The SaaS based system improves both performance taking only a few minutes to do a side by side detailed comparison whilst enhancing the client experience by enabling a live real time interactive discussion - evaluating wants, needs and budget requirements and proposing a personal recommendation. The next step that we are working on with some of our insurance/providers partners is to digitize the customer engagement and application form as well as for groups with digital Know Your Customer (KYC) collection.

Why have you created the Think Insurtech Saas platform?

Brian S. Piper: Based on the EU regulations (GDPR & IDD) we understood there would be a disruption in the industry. Brokers, Providers and Insurers had to evolve and become digital to remain compliant. Further, the nature of the insurance brokerage industry is highly fragmented, SaaS tools and digital solutions were not widely available. Only a few old monolithic solutions are available on the market to help brokers. The investment to create such a system requires expertise, enormous costs and is time consuming. SaaS allows a less expensive solution than creating something in-house. It is scalable ranging from small brokerages up to providers and insurers. Unlike many apps and platforms, the system was designed by a broker for internal use, and it has proven effective. It made sense to offer the platform to others under Think Insurtech.

Olivier LE FAOUDER: SaaS platforms are now the priority for insurers according to the latest McKinsey study.1 It is now impossible to manage broker/provider/insurer data flows without Business SaaS and a CRM with APIs. Automation allows you to properly manage regulatory requirements and spend more time on customer experience while greatly increasing productivity and profitability.

For IPMI insurers and brokers, complying with GDPR & IDD is resource-intensive, and the fines can be up to 20 and 40% of annual revenue. Do you think IPMI insurers and brokers understand this fact?

Brian S. Piper: Actually, no. This has been a particular challenge to educate the market and to create awareness of the risks. Often Brokers, Providers and Insurers may assume they are compliant when in fact they are not, particularly with IDD, Anti bribery law, regulator control etc. Apart from penalties, there are disciplinary sanctions up to disbarment and everything depends on the seriousness of the misconduct.

Olivier LE FAOUDER: The FCA Code of Conduct in the UK says this in summary The FCA's penalty-setting regime is based on the following principles:

(1) Disgorgement - a firm or individual should not benefit from any breach;
(2) Discipline - a firm or individual should be penalised for wrongdoing; and
(3) Deterrence - any penalty imposed should deter the firm or individual who committed the breach, and others, from committing further or similar breaches.

What other issues can IPMI insurers and brokers face if they are not compliant with GDPR and IDD?

Brian S. Piper: The risks included being dropped by insurers, being fined by the regulators or both. There is a reputation risk as the fines are published and it’s necessary to inform clients of any breach. Further, if covered by a broker’s liability policy it may lead to a steep increase in premiums or being dropped. Having professional liability insurance is mandatory.

Olivier LE FAOUDER: In this digital world, as in other industries such as retail, we are facing a consolidation that has already begun and many intermediaries will disappear and new ones like Insurtech will replace them.

One of the challenges brokers, providers and insurers face is to move on from non-communicating monolithic platforms (ERP for example) to SaaS Plug & Play and API’s to communicate with insurers, providers and clients. How does Think Insurtech combat this issue?

Olivier LE FAOUDER: Think Insurtech’s platform is completely digital and designed as a SaaS. Core to the system is the CRM provided by Pipedrive, a third party provider. The system is compatible with others SaaS based CRM’s. The system is Plug and Play integrating with a large number of API’s to automate tasks and create a customized environment (for example invoice, generate welcome pack, targeted marketing programs, advanced electronic signature, internal message, business KPI’s in real time, proposal customization, delegate compliance with dedicated API’s etc.). As a tech service provider Think Insurtech offers a 360 degree solution and full digital implementation.

Think Insurtech allows IPMI brokers to compare and contrast healthcare plans side by side, in real time, with a visual of premium, benefits and full documentation including IPID & KYC. What are the real benefits of this process and why does it matter?

Brian S. Piper: Compliance is a big factor as the system by design follows the rules of GDPR and IDD. The only two components the system does not fulfill is the “written recommendation” by the advisor and 15 hours of outside training for employees required by Insurance Directive Distribution (IDD).

Performance is another key advantage from our research individual quotes (plan comparison, organizing plan information, documenting premiums and sending a proposal) can take up to an hour. The time saving is substantial, taking only several minutes to generate a quote - the system is entirely automated. Greater efficiency affords more time with the client, contacting new clients, renewals, studying plans, etc.

Globally, COVID has forced remote interaction with clients. This trend has changed the way business is conducted forcing virtual meetings. Moving forward, it will likely become the norm. A digital platform not only fulfills this function, it enhances the interaction with clients. A representative can change currencies, deductible, review premiums and benefits. This interactive feature, helps to clearly identify the client’s wants, needs, and budget requirements; field questions and recommend a solution. Full transparency enriches the customer experience and trust. Transparency is one of the pillars of the distribution directive with accentuated rights for consumers. It is up to us and the brokers to increase professionalism and eliminate the bad image that insurance “sales” has with the public.

For international private medical insurers, what is the benefit if they deploy the Think Insurtech SaaS platform to their global broker networks?

Olivier LE FAOUDER: I would say that the most important thing is to educate brokers and to ensure that they are aware of the rules and regulations governing the profession. Compliance is very important and nowadays it's very important for insurers, so we work with our INSquary colleagues to make sure that you check all the boxes according to your business. Compliance is expensive for insurers so they select their partners and they want to increase their revenues. Brokers that are not compliant may be dropped - reducing revenue. The relationship between an insurer/provider is a value chain; the impact is both top down and bottom up. Non-compliant brokers can tarnish the image of an insurer or cause direct financial damages. Insurers and providers do not know how to manage all these points at the moment because they are not focused on digitalization. However, when it is finished, and it is already the case for some of them being dropped by insurers.

How will a broker who does not have compliance and communication tools be able to work?

Olivier LE FAOUDER: Insurtechs and providers are today the most agile and have understood the challenges of digitalization, and value chains to create new products, gain performance, customer loyalty etc. At Think Insurtech, we offer white label packages with HIPAA cloud deployments and APIs to increase the value of insurance portfolios. Today with SaaS, a broker can have a much better equipment than a wholesaler or an insurer at a much lower price than outdated ERP solutions. The price is a subscription with deployment and customization or integration costs.

Do you think IPMI broker networks working with insurers are IDD and GDPR compliant?

Brian S. Piper: Generally, no. GDPR was more widely acknowledged and EU brokers to a certain extent have taken measures to be compliant. Ironically, brokers operating outside of the EU may be liable in following the GDPR but they are essentially completely unaware of the inherent risk or simply don’t care; they view the risk as remote. IDD and the actual rules applied are not as widely known although they took effect October 1st, 2018. Surely, the regulators will start enforcing the rules. As soon as some firm gets whacked with a substantial fine, others will take notice.

Core to the Think Insurtech platform is a CRM for operational efficiency – tracking all correspondence, renewals, commissions, KPI's, churn, sales performance and sales forecasts, under 1 roof. How can this boost the business of an IPMI insurer and broker?

Olivier LE FAOUDER: Simply put, it’s not possible to follow GDPR and IDD and other regulations without being digital. Using a web form the CRM is a tool to prove to the regulators how data was collected and permission to use their data. Next, the system tracks the sales process completely providing a dashboard of the brokerage operations and drilling down into the details. The CRM gives a visual overview of the stages of the sales process from lead to won. Each environment depends on the needs of the intermediary and the APIs to be integrated.

Once a broker or insurer has a better understanding of throughput they can focus on areas of improvement or enhancement. As a tool a CRM can be connected to any range of API’s from accounting to marketing automation campaigns, telecom, KPIs Dashboard, etc. providing expanded capabilities to control operations and improve marketing all digitally. Bottom line - digital brokers have a higher valuation than traditional brokers. The question is not if but when brokers move to a digital platform. We have the tools, know-how and experience to assist.

1: The insurance switch: Technology will reshape operations





Introducing Think InsurTech

Think Insurtech ( ) is a specialist in PMI and IPMI offering a healthcare SaaS Platform with API connected to CRM SaaS that is completely digital and also compliant with EU regulations. 

Problem – the wave of the future within the insurance industry is to become digital. In order to follow international guidelines (GDPR/IDD/Anti-Money Laundering, KYC) and to increase performance and ROI, it’s necessary to shift toward a digital platform.

One of the challenges brokers, providers and insurers face is to move on non-communicating old monolithic platforms (ERP for example) to SaaS Plug & Play and API’s to communicate with insurer, provider and clients. Think Insurtech is one of the first on the market that offers a turnkey digital solution based on a proven and tested SaaS platform design by a broker for their internal operation. Think Insurtech has made this platform and technology available on a SaaS platform so it’s both affordable and scalable. 


Performance - Collect data including consent, analyse needs, compare PMI & IPMI plan in relation with IDD rules, sending proposals with a personal recommendation and rates regarding insurance needs, and send out all plan information in several minutes.Both new business and renewals. The next step is to engage individual & small group with supplier API to apply online and connected to a CRM environment

Enhanced Customer Engagement - Compare and contrast healthcare plans side by side, in real time, with a visual of premium, benefits and full documentation including IPID & KYC.

Data Security - Full compliance to EU regulations GDPR and IDD (Insurance Distribution Directive) with Data encrypted with a dedicated cloud to manage high sensible data

Operational efficiency - Core to our system is a CRM - tracking, all correspondence, renewals, commissions, KPI's, churn, sales performance, sales forecasts.  

Business Valuation - Digital brokers are valued higher than traditional brokers


How do we work with Think Insurtech SaaS in a digital and connected environment?

Platform - SaaS-API - Think Insurtech

  • CRM System to manage clients Insurer/Broker and business portfolio, KPI’s activities
  • Microsoft AD or G suite Enterprise environment including data encryption connected to a HIPAA Cloud
  • HIPAA Cloud to manage folder High sensitive data (application form, credit card, medical folder etc.) connected to Think Insurtech SaaS (Flow of data) and CRM system compliance with IDD/GDPR
  • Module SaaS with third parties to manage Phone communication, internal messages, marketing automation, invoicing, digital proposal including electronic signature etc.…

Data Process Flow


Costs: Get a free trial and get a quote - Our  prices are transparent - ask for our catalogue for white label licenses per user and deployments for Starter Edition, Pro Edition or Infinite packages.


We can deploy only the Think Insurtech SaaS comparator for individuals and groups in white label which is customized specifically for Brokers. Learn more here: Quickstart-guide-tutorial-individuals

Think Insurtech can also deploy for you a complete environment (CRM/API/HIPAA Cloud etc.) depending on your needs. The benefit of the turnkey system –it’s quicker and less expensive than building in house. Plus it has been fully operational tested and enhanced over several years. The system processes are in place and pre-defined but it can be modified according to Broker’s specific needs as required. With our platform we offer the ability for an insurance broker to host both international and domestic plans that other brokers can access your bespoke platform where you can share a commission.

At Think Insurtech, we have a 360° experience of the business and we work with insurers in consulting and for the implementation of digital processes.

For a live demo, contact our team and ask a quote, click here: Free Trial Demo

Download the Think InsurTech brochure here: Think Insurtech Brochure (download the PDF)


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

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

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

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

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

Before a trip:

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

During a trip:

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

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


Europesure Launches New Covid-19 Cover

Europesure Travel Insurance, a brand of Status Global Insurance, is launching a new COVID-19 cover which will be an optional add on to its very successful travel insurance product and will be available to clients living in the UK, Gibraltar, the EU, the rest of the EEA and Monaco.

It will cover clients who need to cancel a trip if they are hospitalised because of COVID-19 or if they do travel and catch the virus whilst on their trip. The optional cover includes :

Prior to Travelling:
• Cancellation cover up to £/€ 1,500 per insured person if they are hospitalised up to 28 days before their trip

Whilst Travelling:
• Medical, Repatriation and Funeral Expenses if they catch COVID-19 whilst on a trip
Depending upon where the client resides, the cover is underwritten by Lloyd’s or Lloyd’s Insurance Company SA (Lloyd’s Brussels) to give security to clients and is sold and administered by Status Global Insurance who are fully regulated in the UK and Cyprus and are Coverholders at Lloyd’s and Lloyd’s Brussels.

Paul O’Sullivan, Director at Status Global Insurance says “We are delighted to be one of the first companies to offer cancellation and medical cover in respect of COVID-19 to our affiliate network and clients based throughout Europe. The World is trying to open up again and Europesure is striving to be at the forefront of innovative solutions giving additional cover and security to those who want to start travelling again. We welcome enquiries from any brokers or introducers who have clients in Europe and who want to be able to offer this product to their clients. “

For more information please visit the Europesure website:


AXA Global Healthcare Launches International Health Insurance Foundation Cover Level

AXA – Global Healthcare has expanded its international health insurance offering by launching its new 'Foundation' cover level. Now available to expats and travelers of all ages, it is designed to offer essential cover to those who want the reassurance of having fundamental medical cover in place while they are living abroad.

Kevin Melton, Global Head of Sales and Marketing, commented, "Foundation has been launched as part of our product development programme, with the intention of complementing the existing four cover levels of our global health plan. We know that for some members, extensive cover, which supports most medical eventualities, isn't always required from day one. That's why we are introducing a more budget-friendly plan, offering essential cover while still providing day-and-night access to our global service team, a personal online account and our worldwide network of medical providers."

A budget-friendly option, Foundation offers personal customers an essential level of cover, such as in-patient treatment, cancer treatment and emergency evacuation and repatriation. It may also be a preferable choice for those who are looking to supplement an existing local health plan, giving customers whose home countries may lack the facilities required to undergo certain treatments the option to choose a facility abroad.

With an overall policy limit of £100,000 / $160,000 / €125,000 per person, per policy year, Foundation offers:

  • Cover for hospital charges, including charges for psychiatric treatment (up to 100 days in a members' lifetime), accommodation and diagnostic tests
  • Cover for surgeon, anaesthetist and physician charges as an in-patient
  • Cover for cancer treatment, including radiotherapy and chemotherapy
  • Cover for CT, MRI and PET scans
  • Cover for emergency or medically necessary ambulance transport
  • Emergency evacuation or repatriation

Giving customers additional choice, they can also choose to add an optional upgrade to include cover for out-patient treatment, including a virtual doctor service. The upgrade includes:

Up to £2,500 / $4,000 / €3,200 in total for:

  • Medical practitioner fees
  • Psychiatric treatment
  • Diagnostic tests
  • Physiotherapy treatment
  • Up to £100 / $160 /€125 for vaccinations and their administration
  • Up to £300 / $480 / €380 for complementary practitioner fees (out of combined limit)
  • Up to £100 / $160 / €125 for out-patient drugs and dressings
  • Access to a virtual doctor service for consultations over the phone and via video conference

With the launch of the Foundation cover level, AXA – Global Healthcare's global product suite for personal customers now includes Foundation, Standard, Comprehensive, Prestige and Prestige Plus.


Now Health International Launches New Digital IPMI Product To Cater For The Next Generation Of Expatriate

Now Health International Group, has announced the launch of a new mid-tier, completely digital product that is designed to cater for a new generation of expatriates and upper-affluent local nationals.

The company has launched its new SimpleCare plans in response to the growing number of digitally savvy millennials and younger executives moving abroad for work, who still demand the protection of international health insurance but at a more affordable price point to the traditional corporate executive expat. Now Health International also believes the plans will appeal to the growing base of upper-affluent local nationals in the emerging markets in which it operates.

To cater to this new generation of expats SimpleCare has been developed to be a completely digital proposition, with members only able to access their plan documents and make claims via a paper free, seamless online customer experience. This environmentally conscious product leverages Now Health International’s award winning digital tools including its smartphone App and secure online portfolio, as well as new mobile pass membership cards which can be downloaded into members’ smartphone wallets.

The new product offers core protection for all major health incidents including hospitalisation, surgery, cancer treatment, and evacuation and repatriation, which are often the main concern of younger expats. Customers can then choose to add low or medium levels of coverage for out-patient treatment, including physiotherapy, dental and medication if desired.

Designed for the more cost conscious consumer, the SimpleCare product offers multiple options to help customers further reduce their premium. This includes eight different levels of annual deductible for all types of treatment (in, day and out-patient) as well as risk management tools such as a co-insurance and per visit excess. Default regional geographical restrictions of coverage are also available for members located in certain countries of residence, providing a more affordable option for those that want to access top quality medical facilities but do not need worldwide coverage.

The product will be launched in key markets first, including Europe, Africa, Hong Kong and Singapore, and then be rolled out to other markets in Asia and the Middle East in the coming months.

Martin Garcia, Executive Chairman commented, “SimpleCare is designed to meet the needs of a new generation of expat - the growing numbers of younger people moving abroad, 2 most of which end up on local employment contracts. We set out to create an international health insurance solution which caters to these cost conscious, digitally literate expats while still providing them with access to world class medical facilities and the high standard of service that Now Health International is known for”.

Zahir Sharif, Managing Director for Now Health International added, “The clue is the name; SimpleCare is meant to be simple to understand and use – offering the vital health protection that our customers desire, with easy to use digital tools, access to the best quality private medical providers, and all with an affordable price tag. We understand that many expats and companies looking for executive health plans want more comprehensive, worldwide coverage, and our benefit rich WorldCare plans will continue to cater for those needs. However, we are confident our innovative new product will enable us to reach out to the growing base of younger expats globally, as we continue to consolidate our position as the leading IPMI provider worldwide”.


iPMI Magazine International Private Medical Insurance Provider Network Directory April 2018

Featuring leading IPMI players Aetna International, Bellwood Prestbury, Cigna Global IPMI, DavidShield, Generali Global Health, GeoBlue, Globality Health, Integra Global, Pacific Cross International and Wellaway. Plus check out the back of the publication for the broker directory. Did you claim your free line entry? Get listed, click here and fill in the quick form

“If you want to succeed in the Global IPMI business, I highly recommend that you get to know Christopher Knight.”

Michael Nole Head of Business Development Global IPMI at Cigna.

Choosing the right international private medical insurance (IPMI) and health insurance coverage plan is critical for expatriates, offshore workers, tourists and business travellers. If you live, travel or work abroad then you will need the best access to private medical facilities and international medical insurance all year around. iPMI Magazine represents an eclectic mix and has a choice of specialist international private medical, health, expatriate and travel insurance companies allowing you to compare overseas international private medical insurance coverage and plans that may suit you and your family. 

The iPMI Magazine Provider Network Directory covers the following sectors of insurance cover:


Get listed, click here and fill in the quick form.


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