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Allianz Worldwide Care Launches International Health Insurance Plans For Individuals In China

Allianz Worldwide Care has announced the launch of international healthcare plans for individuals and their families living in China, developed in partnership with sister company, Allianz China General Insurance Company.

The healthcare plans, which have been designed specifically for expatriates and local nationals, will initially be available for those living in Shanghai, China’s largest population centre. The creation of the healthcare plans for individuals was a natural evolution for the two Allianz companies, following the successful launch of a range of corporate healthcare plans and the establishment of a dedicated health insurance support centre in the Pudong District of Shanghai in 2012.

Expatriates and local nationals based in Shanghai have a choice of three Core Plans, covering a wide range of in-patient and day-care treatments, along with other benefits such as medical evacuation, diagnostic tests and oncology treatment. The Core Plan can be supplemented by optional plans offering cover for out-patient, maternity, and health and wellbeing treatment. There are also two optional dental plans providing cover for general dental treatment, dental surgery, and orthodontics.

Michael Li, CEO of Allianz China General Insurance Company said, “Our local knowledge and contacts together with Allianz Worldwide Care’s global healthcare expertise have enabled us to provide an outstanding solution to individuals looking for international health insurance. The importance of private health insurance and access to private local and international medical facilities is widely recognised, particularly given China’s overcrowded public hospital system.”

Claude Daboul, Director of Sales, Marketing and Operations at Allianz Worldwide Care added, “Shanghai has a population of approximately 24 million and market insights indicated a growing demand for cover which gives individuals and their families access to private and international medical facilities. Our new healthcare plans, developed in partnership with Allianz China General Insurance Company, provide this. They offer direct settlement for in-patient, out-patient and dental treatment throughout China, and access to Allianz Worldwide Care’s extensive medical network outside of China. The modular design of these plans also means that clients can select the type and level of healthcare cover that’s absolutely right for them.

Daboul continued, “What is equally compelling for clients is that these healthcare plans offer generous levels of cover for pre-existing and newly diagnosed chronic conditions as well as oncology treatment.”

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Aviva Extends RedArc Benefit To Group Critical Illness Customers

Customers with Aviva’s group critical illness cover will be able to access practical advice and emotional support following a claim, due to the extension of a successful partnership with the RedArc Personal Nurse Adviser service. RedArc has been supporting Aviva’s individual critical illness customers over the last year and the service will be available to group critical illness customers at no extra cost from 1 January 2015.

The service offers customers in claim access to a dedicated personal nurse adviser who can provide practical guidance and emotional support for as long as required. In addition, the service can arrange a second UK medical opinion for the customers’ health condition.

Telephone based support

The telephone support service complements mainstream medical treatment and is operated by qualified nurses with experience of supporting individuals through critical illness. It is designed to help individuals deal with the impact of their condition by offering a listening ear, practical information and emotional support.

In addition, when appropriate, the personal nurse adviser may also arrange additional help in the form of a specialist nurse home visit, therapy or counselling.

Second medical opinion

Customers are also able to have a comprehensive, independent assessment of their medical condition through the RedArc service. Arranged by the customer’s Personal Nurse Adviser, this is sourced through either the NHS or the UK private medical sector and enables the patient to have a face to face consultation. Customers can be reassured that the service is independent and completely confidential and no information is shared with Aviva.

Steve Bridger, Group Risk Director at Aviva UK Health, said “Getting appropriate emotional and practical support when you’re diagnosed with a critical illness is just as important as the financial support you get from a protection policy, so we’re delighted to extend free access to RedArc’s services to our group critical illness customers. The enhancement marks our continued focus on delivering added value services to our Group Risk customers, such as an Employee Assistance Programme for our Group Income Protection customers and bereavement helpline for Group Life customers.”

In 2013, Aviva paid £173.2m in group protection claims, providing financial support for over 2,600 customers and their families. The most common causes of group critical illness claims are cancer, heart attack and stroke.

RedArc services are available to all customers covered on an Aviva Group Critical Illness plan from 1 January 2015.

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AirLink Ambulance joins International Assistance Group as Preferred Provider in Mexico

International Assistance Group’s unique Partnership Program has significantly increased its network of companies within the assistance industry, in the last two years, and has experienced an unexpected success in America. AirLink Ambulance has been accredited as its Preferred Provider in Mexico. This company has been nominated for three times in a row for the “Air Ambulance of the Year” Award given by the International Travel Insurance Journal.

AirLink Ambulance, established in the USA in 1998, is a full service air ambulance company, with corporate offices and aircrafts operating from Guadalajara, Mexico. With 65 medical, aviation professionals, and support staff, the company provides world-class air ambulance evacuations within or from Mexico, or any other Central and South American country, and the Caribbean- including Cuba. Under its direct operation, AirLink Ambulance controls all of the human and material resources and protocols required to provide the highest quality air ambulance service, and has completed over 2000 air ambulance flights. They have undergone thorough on-site inspections various times, and have been accepted as a preferred provider by some of the major insurance and assistance companies, embassies, and cruise lines in the world, now including International Assistance Group. The air ambulance company offers international and national bedside-to-bedside services, as well as ground ambulance services and medical escorts. AirLink is the only Mexican air ambulance company that has the permits to legally fly to Canada.

“IAG is proud to complement its worldwide map of Air Ambulances Preferred Providers with Airlink Ambulance in Mexico. Airlink has been used for many years by IAG; the new Partnership will undoubtedly tighten up our relationship and enhance our knowledge of the challenges faced by air ambulances within that region,” expressed Cécile Hermetz, General Manager of International Assistance Group.

The company is the first air ambulance company, in this zone, that received the European Air Medical Institute (EURAMI) accreditation. AirLink´s standard team on their missions is always a doctor and a paramedic, however they add medical crew if required by the condition of the patient. Operational area, a meaningful asset AirLink Ambulance offers neonatal air ambulance services, in addition to pediatric service.

The company has invested in state-of-the-art equipment and specialized personnel to care for the transport of babies of any age in critical condition, including premature babies weighing less than 1 kilo. In addtion, they employ highly trained air medical teams. They provide doctors, and paramedics, at least one of each on all flights, along with additional specialized medical staff required by the patient’s condition, including ER physicians, cardiac specialists, orthopedists, pediatric specialists, surgeons, neonatal specialists and neurologists. The company flies approximately 60% adults and 40% children. Cases are divided as follows: 40% critical stable; 30% stable; 20% very stable; 10% critical instable.

“Most of the patients transported in or from Latin America need intensive care (in our case around 80%). Especially in Mexico and Latin America, it is sometimes hard to trust medical reports or comments of treading doctors, since experience tells that the conditions of patients are often quite different from the initial statements when the air ambulance crew arrives. That is also one of the reasons why we always send a doctor in our mission,” explained Dr. Blanca Garcia, Director of Medical Operations, AirLink Ambulance.

As an organization working with Mexican communities to improve their health, AirLink has always been involved in fighting against the problem of burnt children in Latin America. Hence, they work closely together with the Michou y Mau Foundation for Burnt Children in Mexico and with Shriners Burn hospitals in the US, where their team receives continuous Advanced Burn Life Support training.

For the Foundation, AirLink provides reduced price transport for more than 50 burnt children a year. AirLink performs to maintain a balance between the economic development of the business, but also the welfare of its employees, the society, and environment. For AirLink, social responsibility means sustaining the equilibrium between those two.

The role of AirLink´s business is to create and deliver services in a way that treats people fairly, meets individuals’ needs and aspirations globally, and encourages market and policy frameworks that enable a sustainable future. AirLink´s commitment is both passive, by avoiding engaging in socially harmful acts, and active, by performing activities that directly advance social goals.

Cultural diversity

AirLink is global in mindset, staffing, and activities. For a relatively small company located in a so called “uni-cultural” city, AirLink´s stands out for its cultural diversity. Employees from all over the globe (currently from the USA, The Netherlands, Canada, Colombia, Hungary, Italy, Morocco, and Mexico) work together and provide the organization with different views on the world, which makes thinking out-of-the-box easy.

Not only cultural diversity is remarkable, but diversity is notable in different ways in the organization such as: welcoming female pilots and maintenance workers, possibilities and solutions to take babies and children to the corporate offices and space for the practice of different religions are a few examples. AirLink´s employees are stimulated to participate in social activities.

The company has been recognized in numerous testimonials for the caring and compassionate service extended by its experienced, trained medical, flight, and customer service professionals.

About AirLink Ambulance

AirLink Ambulance is a full service air ambulance company, operating from Mexico. AirLink Ambulance provides air ambulance and medical escort services within or from Mexico, and any other Central and South American country including the Caribbean. AirLink operates and maintains its own fleet of aircrafts, which, as well as our corporate offices, are located in Guadalajara, Mexico, right in the middle of the American continent. Their geographical location gives them the advantage to serve the entire American continent, moving our airplanes from South to North or the other way around. AirLink provides their services mostly for expatriates and travelers, being contracted directly by the major insurance and assistance companies, embassies, and cruise lines located worldwide.

About International Assistance Group

International Assistance Group is a limited incorporated company in Paris (France) regulated under the French law and owned by its Partners. This worldwide commercial alliance of independent companies spanning all the links in the assistance value chain was formed in 1992 by five European companies with the aim of helping each other offer quality assistance. The group’s success has attracted accredited companies around the world and it now boasts 62 Partners and Preferred Providers (31 Core Partners, 13 Assistance Partners, and 18 Preferred Providers) and a turnover of over €1.3 billion. More than 6,700 employees take care of 138 million end users. Last year, International Assistance Group® handled over 6.0 million cases and 37,000 repatriations.

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Travel Insured Explains 5 Reasons Why You Need Travel Insurance

Whether traveling to a place you have visited before, or to a brand new destination half way across the world, it is important to invest in a travel insurance policy that will protect against unexpected situations that can occur both before and during your travels.

It should never be a question about whether or not you can afford a travel insurance policy, but a question of how could you afford to travel without one. A low payment spent on travel insurance could save you and your family thousands of dollars in medical expenses due to unexpected illness or injury while on a trip, lost or stolen baggage, or flight cancellation and delays. Travel Insured, a leading travel insurance provider explains why you need to purchase travel insurance for your next trip.

1. Travel insurance is your safety net - Travel Insurance allows you to travel with 24/7 protection and support. If you are investing in a trip, it is imperative to invest in coverage for your health, safety, and travel costs. Travel insurance provides you with a safety net, just in case you find yourself in a less than ideal situation.

2. Travel insurance provides medical coverage - Most existing health insurance coverage does not apply while traveling abroad. Travel insurance plans include emergency medical and emergency medical assistance coverage as well as any transportation that may be needed. This protection can provide you with proper medical care and protect you financially if you had to stay in hospital, be evacuated for treatment, or undergo a major medical process.

3. Travel insurance protects your personal belongings - you are inconvenienced by either lost or stolen baggage during your travels, travel insurance coverage can provide you up to the maximum amount stated in the policy for the personal effects lost such as clothing, electronics, and other personal items.

4.Travel insurance helps cover costs if you have to cancel - If your cruise or flight is cancelled for a reason such as a natural disaster, or you need to cancel plans for your own personal reason such as unexpected illness or death of a family member, a travel insurance policy that includes cancellation coverage can reimburse you for any pre-paid, non-refundable deposits that were made for your travel plans.

5. Travel insurance can cover costs if you have to cut your trip short –If you purchase a plan with Interruption For Any Reason, you can receive unused, prepaid, non-refundable trip costs if you must interrupt the trip and head home early

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AXA PPP Healthcare Introduces Online Glossary To Help Patients Better Understand Common Medical Terms

Good doctor-patient relations depend on good communication and, whilst most patients (62 per cent) say that they understand what their GPs are telling them, nearly a third (31 per cent) find otherwise, leaving most of this group (73 per cent) feeling confused, anxious or uneasy.

Patients come to GP appointments with varying levels of knowledge and experience of medical matters and it can be difficult for GPs to gauge whether their patients are taking in what they’re saying. It’s therefore reassuring that, according to the findings of an AXA PPP healthcare poll of 2000 patients who have seen their GP in the last 12 months,* more often than not GPs are getting it right.

To get a better feel for patients’ knowledge of some commonly used medical terms, AXA PPP asked survey respondents to answer eight multiple choice questions:

CT scan – 4 out of 10 know the correct meaning

Whilst 43 per cent correctly identified CT as the abbreviation for computerised tomography, nearly a third (32 per cent) thought it meant cranial thermal scan and 11 per cent said it meant computerised torso scan.

Ganglion – 5 out of 10 know the correct meaning

Whilst 45 per cent correctly identified it as a harmless cyst, 25 per cent thought it was a skin tag or hanging nodule and 6 per cent thought it was a cancerous swelling.

Somnambulism – 5 out of 10 know the correct meaning

Whilst 51 per cent correctly identified the commonly used meaning (sleepwalking), 33 per cent didn’t know and 12 per cent thought it was an ear infection.

Hypertension – 6 out of 10 know the correct meaning

Whilst 59 per cent correctly identified it as high blood pressure, over a quarter (27 per cent) thought it meant anxiety or stress and 6 per cent plumped for hyperactive disorder.

MRI scan – 7 out of 10 know the correct meaning

Whilst 65 per cent correctly identified it as magnetic resonance imaging, nearly a fifth (17 per cent) thought MRI stood for multiple radiation investigation and 9 per cent went for mass radiation inventory.

Fracture – 8 out of 10 know the correct meaning

Whilst over three quarters (77 per cent) correctly identified a fracture as a broken bone, 13 per cent thought it meant a sprained bone and 5 per cent thought it was a torn muscle.

Benign – 8 out of 10 know the correct meaning

Whilst most (79 per cent) identified the best meaning of benign as not harmful in effect, 7 per cent thought it meant a terminal illness and a further 5 per cent thought it meant life limiting or disabling.

Haemorrhage – 8 out of 10 know the correct meaning

Whilst 81 per cent knew that a haemorrhage was an escape of blood from a ruptured blood vessel, 8 per cent thought it was another word for piles and 5 per cent confused it with a hernia, thinking it was a protrusion through the abdominal wall.

Older patients consistently outperformed their younger counterparts in correctly identifying these medical terms, which may be attributable to their having had more opportunities to hear of and/or experience them. For instance, 52 per cent of 18 to 24 year olds correctly identified hypertension as high blood pressure, compared with 69 per cent of those aged 55+.

Sixty-three per cent of 18 to 24 year olds knew a fracture was a broken bone, compared with 91 per cent of those aged 55+. And, regarding benign, 65 per cent of 18 to 24 year olds thought it meant not harmful in effect, compared with 92 per cent of those aged 55+. Ten per cent of 18 to 24 year olds even identified benign as meaning terminal, compared with 4 per cent of those aged 55+.

Women generally outperformed men in correctly identifying the medical terms. For instance, 85 per cent of women identified haemorrhage as an escape of blood from a ruptured blood vessel, compared with 77 per cent of men. For hypertension the figures were 67 per cent and 49 per cent, respectively, and for benign they were 82 per cent and 75 per cent.

AXA PPP’s chief medical officer Dr Gary Bolger noted, “Whilst, generally speaking, most people seemed to know the meaning of these medical terms, a surprisingly large proportion did not. Good communication is a two-way process so it is important for GPs to remember that a sizeable minority of their patients may not have sufficient knowledge or understanding to take in what they’re saying.”

Although most patients (74 per cent) did ask their GPs to explain what they meant when they hadn’t understood something, nearly a quarter did not: 11 per cent said nothing because of embarrassment, with 10 per cent doing likewise because they didn’t want to waste their doctor’s time. Three per cent gave up altogether and went to see another doctor. “Whilst some patients can find it intimidating to question their GP when they don’t understand what they’ve said, patients should remember that their doctor is there to help them and they shouldn’t be afraid or embarrassed to ask their doctor to explain what they mean,” Dr Bolger added.

Pressure of time can also be an issue for some patients, as a fifth (21 per cent) of those surveyed felt their GP didn’t take enough time to explain things to them in terms they can understand, with over half of this group attributing this to lack of time, which may be unsurprising given an average appointment time of 8 to 10 minutes.** To help patients to better understand some commonly used medical terms, AXA PPP has introduced an online glossary. For more information visit www.axappphealthcare.co.uk/doctorsorders.

*The survey, undertaken by OnePoll in May 2014, comprised 2000 adults who had been to a GP appointment in the last 12 months.

**Make the most of your appointment, NHS Choices: Doctors spend an average of eight-10 minutes with each patient. Once you've got an appointment, plan ahead to make sure that you cover everything you want to discuss. http://www.nhs.uk/choiceintheNHS/Yourchoices/GPchoice/Pages/GPappointments.aspx

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8.5 Million Uninsured Holidaymakers Face Paying Thousands In Medical Bills

Travellers who go abroad without travel insurance cover could face hospital bills of tens of thousands of pounds this summer. Thailand, USA and Canada are most expensive countries for medical treatment on holiday. Misunderstood EHIC could mean a shock to Brits on holiday this summer.

Bupa has analysed its insurance claims data to highlight the potentially high costs of requiring medical attention abroad which may be faced by the 8.5 million people a year who go on holiday without travel insurance. Looking at the average amount paid out for medical treatment in popular holiday destinations since 2008, Bupa found that Thailand, the USA and Canada are the most expensive countries in which to get sick or injured.

For example, treatment for British tourists suffering a heart attack in the USA cost £32,400 per person, on average. Even common injuries and illnesses could cost an uninsured holidaymaker hundreds, if not thousands, of pounds. Bupa paid an average of £1,725 to Mexican hospitals to treat each case of gastroenteritis contracted by its customers, and an average £1,240 for sprains and strains sustained in the USA.

Treatment in European countries can also be costly if tourists are not insured – and may come as a shock to those who fail to understand the limitations of the European Health Insurance Card (EHIC). Bupa paid an average £634 for treatment in France for customers with chickenpox. Heart attacks suffered on holiday in Spain cost an average £9,291. Many Brits may think their medical treatment costs are covered by having a European Health Insurance Card (EHIC).

Nearly one in four people who travel without insurance (24%) said they don’t bother taking out cover because they have an EHIC, yet only a quarter of people were correctly able to identify what the EHIC covers them for. The EHIC allows Brits to pay the same price for medical treatment as the locals in European countries – but this does not always mean that treatment is free. Nearly half of Brits (44%) believe that having an EHIC means the NHS picks up the bill for treatment needed on holiday.

Dr Tim Woodman, medical director, Bupa Health Funding comments, "Few of us go on holiday expecting to get ill or injured, but it does happen, and could cost you a small fortune in hospital bills if you don’t have adequate cover. Even common illnesses or injuries can be expensive to treat, so travelling uninsured is not a risk worth taking."

Dr Tim Woodman’s advice for staying well on holiday this summer

1. If you’re travelling to Europe, make sure your EHIC hasn’t expired and that you understand its limitations. 2. Find out if you need any vaccinations for where you’re going. Arrange to see a nurse or travel clinic six to eight weeks before you go. 3. Check if malaria is present at your destination and get anti-malarial tablets if you need them. 4. Stay safe in the sun: I can’t stress this enough! Slap on the sunscreen, keep hydrated and stay in the shade during the hottest part of the day. 5. Make sure you always pack your existing medication and carry extra for emergencies. For example, if you have asthma, pack one inhaler in your hand luggage and a spare in your hold luggage. Many countries require a doctor's letter or copy of your prescription confirming that these medications have been issued for you. Some countries have very strict rules on drugs that can be brought in, even if you bought them over the counter in the UK, with severe penalties.

As a leading international healthcare insurance group, Bupa offers health insurance and medical subscription products, runs care homes, retirement villages, hospitals, primary care centres and dental clinics. Bupa also provides workplace health services, home healthcare, health assessments and long-term condition management services. With over 22 million customers in 190 countries, Bupa employs more than 70,000 people, principally in the UK, Australia, Spain, Poland, New Zealand and Chile, as well as Saudi Arabia, Hong Kong, India, Thailand, and the USA. 

Notes: Claims data from Bupa Travel Insurance claims 01/01/2008 to 31/05/2014. Opinion polling was conducted online in July 2014 by Atomik research. 2,012 UK adults took part. Claims data may include treatment at private facilities.

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CignaTTK Health Insurance Launches Business Operations in India

CignaTTK Health Insurance a joint venture between U.S. based global health service leader, Cigna Corporation (NYSE:CI), and Indian conglomerate TTK Group, have announced the launch of its operations in India.

Speaking at the occasion Mr. T.T. Jagannathan, Chairman of the TTK Group of Companies said, “We’re delighted to partner with Cigna. It is our commitment to provide quality products and services to our customers. TTK group upholds ‘Transparency, Trust and Knowledge’ in all aspects of our business. Through our partnership with Cigna, we now intend to deliver health insurance solutions that keep the customer at the heart of everything we do.”

Announcing the launch, Mr. Sandeep Patel, CEO and Managing Director, CignaTTK Health Insurance Company Limited said “CignaTTK’s focus is to encourage customers to stay healthy and live life to the fullest. We will do that by delivering products and services that will educate and assist customers to lead healthier lifestyles. Given the continued rise in medical costs in India, coupled with a parallel increase in lifestyle related diseases, there is an urgent need to upscale health insurance penetration in the country. We are committed to providing affordable and innovative health insurance solutions to meet our customer’s daily health challenges without compromising on quality customer service.”

Mr. Jason Sadler, President, Cigna Global Individual said, “Cigna is one of the leading health service companies in the world and operates in more than 31 countries. With more than 80 million customer relationships worldwide, we pride ourselves on our ability to provide products and services aligned with customer expectations of solutions that are easy to access, use, and deliver on their promise. We are delighted to partner with the TTK Group and look forward to bringing to Indian customers innovative health and wellness solutions.”

CignaTTK has undertaken extensive consumer research to understand the needs of Indian consumers. As a result of this research, CignaTTK has the insights needed to develop and launch innovative products and services aimed towards specific individual and family health needs, with processes that are easy to experience. The company will focus on various proactive measures to inspire, motivate and incentivize a customer to stay in good health.

“Leveraging the strengths of TTK’s strong local market expertise with Cigna’s expertise in developing innovative products and services will help CignaTTK meet the needs of consumers, who are progressively realizing the importance of health insurance.” added, Mr. Patel.

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British Expats In France And Spain Lose Free Healthcare

British expatriates living in Europe having taken early retirement will lose their access to free local healthcare services, after the government decided to scrap the facility.

In the past, those living in countries such as France or Spain have found their treatment covered by the NHS, but this is about to change. From April 1st, those who are not covered through employment will have to foot the bill themselves. The move is just one of a number of cost-saving measures that the NHS is planning to roll out in order to bring its budgets back in check.

European states will no longer be reimbursed by the NHS for the medical treatment received by non-working Brits below the pensionable age. The current system works by expats filling in an S1 form, which entitles them to two and a half years worth of healthcare if they have paid national insurance for the previous three years.

Those who are already in possession of the document will be able to use it until it expires, but once it lapses it will not be renewed and expat travel insurance will be required instead.

A spokesperson for the Department of Health told the Telegraph: "No other European state offers an equivalent to the residual S1 and the reasons for the UK doing so in the past probably arise because the NHS is different to continental systems."

No figure has been released to state how much money will be saved by the move, but it is thought that the average cost per pensioner to the UK is £4,000 a year. Some 2,355 S1s were issued is the 2012/2013 year, with time left on them to run.

The Department spokesperson added: "We are continuing to work through the operational implications of the change and will make a further announcement once this work has been completed."

Expats over the age of retirement will not be affected, nor will anyone seeking emergency treatment via the European Health Insurance Card.

 

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New Research Shows Negative Impact Of FSCS Fees On Insurance Brokers

The British Insurance Brokers’ Association (BIBA) has revealed that the Financial Services Compensation Scheme’s (FSCS) fees are negatively impacting insurance brokers.

In a survey of BIBA members, 53% stated that they have either delayed or cut investment and 40% reported a reduction in expansion as a result of the fees. BIBA members have seen a fifty-fold increase in their FSCS fees during recent years, primarily due to mis-sold payment protection Insurance policies from secondary intermediaries.

Steve White, BIBA’s Chief Executive, said, “Members continue to report the unfairness of the FSCS fees particularly in light of the fact that defaults by insurance brokers are relatively uncommon and have not given rise to huge claims on the resources of the compensation scheme, unlike other sectors. This research is particularly alarming and demonstrates how restricting these fees are for members, 85% of whom have less than 10 staff. We will work with the Financial Conduct Authority on the review of its funding to find a more equitable system and we want to see a fairer separate sub-class within the FSCS for pure insurance brokers.”

David Sparkes, BIBA’s Compliance and Training Manager, said, “BIBA fully supports the concept of compensation; it is important for both customer protection and increasing confidence in the insurance sector, but the current model needs to change.”

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ALC Health Renews Advertising Deal With iPMI Magazine Until 2015

International Private Medical Insurance Magazine is proud to announce that ALC Health, a leading provider of international medical insurance, has renewed its advertising agreement to run all the way until January 2015.

One of the original supporters of iPMI Magazine, à la carte healthcare (ALC Health) is an award winning international medical insurer who for over 10 years has been protecting the health of private clients, companies and organisations across the globe. The company continues to grow and develop on a philosophy of ensuring that every policyholder whether as a private individual or a member of a corporate group is assured of the highest level of personal service and support.

Read more about ALC Health on the ALC Health micro site on iPMI Magazine, click here to view.

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Medical, Healthcare, Expatriate And Travel Insurance

A guide to leading international medical, healthcare, expatriate and travel insurance underwriters, companies, providers, operating within leisure, expatriate and corporate travel business markets, globally.

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