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iPMI Magazine Has Moved

iPMI Magazine successfully rebranded to iPMI Global in 2023 and has moved to a new home on the internet. To visit the brand new international private medical insurance business intelligence platform, please go to www.ipmiglobal.com

Madagascar Travel Advice Warnings News: Confirmed Reports of Armed Attacks in the National Parks of ‘Montagne d’Ambre’ and ‘Ankarana’

The FCO advise against all but essential travel to the national parks of ‘Montagne d’Ambre’ and ‘Ankarana’ in northern Madagascar. There have been confirmed reports of armed attacks, including robberies on tourists. You should exercise caution throughout Madagascar at all times and avoid crowds.

Following rioting on the island of Nosy Be on 2-3 October 2013, which resulted in the deaths of 2 Europeans and a Malagasy man, the situation is now calm. You should be particularly vigilant in the following areas of Nosy Be: Ambatoloaka, Hell-Ville, all beaches, and the road to the airport.

There has been continued political instability in Madagascar since January 2009. The situation in the centre of Antananarivo remains volatile and demonstrations at short notice are likely. The first round of Presidential Elections took place on 25 October. The second round, together with legislative elections, is scheduled for 20 December 2013. You should avoid going out at night in the centre of the capital.

In 2012 there were around 7,700 British visitors to Madagascar. Most visits are trouble free. Take out comprehensive travel and medical insurance before you travel to Madagascar.

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EuroAlarm Joins The Globality Health Global Network

Globality Health is strengthening its global network by partnering with leading international assistance provider, EuroAlarm, to provide full international care, including 24/7 emergency medical assistance, medical evacuation and repatriation services, to all group and individual clients.

A full support service that clients can depend upon As part of Munich Re, EuroAlarm services the European Travel Insurance Group (ETI), uniting 18 global travel insurance specialists and handling almost 100,000 calls and 16,000 emergency cases in 2012. Globality Health’s current provider, Almeda, is supporting the seamless transition of all ongoing cases to the new partner, EuroAlarm.

Globality Health’s Chief Commercial Officer, Philip Wright, is delighted with the partnership. ‘When two members of Munich Re join forces and take advantage of the synergies within the group, it directly adds to the unique international service proposition.’

About Globality Health

Globality Health (Luxembourg) is the center of excellence for Munich Health’s Corporate Expatriates Insurance. As a member of Munich Re, Globality Health provides innovative healthcare for clients and partners all over the world through more than 3,000 experts at 26 locations. Munich Re stands for exceptional solution-based expertise, consistent risk management, financial stability and client proximity. Over 40 million clients in over 30 countries place their trust in the services and security Munich Re provides.

About EuroAlarm

EuroAlarm Assistance Prague was originally established as the assistance department of Czech travel insurance leader, Evropská Cestovní Pojišťovna. In 1996 the Prague team of assistance coordinators was formed and later in 2002 this set-up was transformed into an independent assistance company. EuroAlarm is part of Munich Re.

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Aviva Significantly Enhances Its International Private Medical Insurance

Aviva has announced significant improvements to its International Solutions private medical insurance from 1st February 2014. The improvements will provide new and existing customers with enhanced standard benefits and wider geographic cover, greater flexibility, and a new tailored Gulf Solutions policy for customers based in the Gulf region.

The enhancements follow a detailed clinical review of the insurer’s international medical cover to ensure customers living or working abroad receive high quality healthcare that reflects advances in medicine and medical practice.

Simplified global regions

International Solutions has now been divided into two areas rather than six, to make mobility between countries easier for customers and provide them with wider cover around the world. Policies are now available as Worldwide, or Worldwide (excluding USA and Caribbean) cover, with pricing based on comparative risk and medical costs, rather than geographical location. For all customers, irrespective of where they are based, emergencies are covered for up to 60 days in any country in the world.

A new Gulf Solutions policy

Aviva has also expanded its provision in the Gulf, creating a new tailored Gulf Solutions policy for group customers, to provide cover for their employees based in Kuwait, Oman or Qatar, as well as to those based in the United Arab Emirates (UAE). Individual customers can also benefit from the new Gulf Solutions policy, if they are living or working in Oman or the United Arab Emirates (UAE).

The new Gulf cover marks the second phase of Aviva’s product development for the region, building on the success of the award-winning Emirates International Solutions and the health insurer’s expertise in managing healthcare within the region’s complex legislative framework. A partnership with NAS Administration Services provides Gulf customers with a market-leading regional claims service with direct settlement capabilities.

Extensive standard benefits and Aviva’s International Cancer Pledge

For all customers, standard core benefits have been increased to make International Solutions one of the most comprehensive international policies available in the market, with an annual benefit level of £5m. Customers have the peace of mind that wherever they are, they will receive high quality treatment if they are ill or injured, as well as 24-hour medical emergency assistance and evacuation to an appropriate facility if treatment isn’t available locally.

  • Policies now carry an International Cancer Pledge to cover treatment and palliative care as recommended by specialists. In addition, cover is provided for aftercare, including money towards prostheses and wigs.
  • In and Day-patient Care is enhanced and now includes cover towards the costs of organ transplants and harvesting, and an increase in rehabilitation cover from 14 days to 25 days.
  • Out-patient Care also now includes cover for up to ten speech therapy sessions, following a referral by a specialist after a hospital admission.
  • Additional Benefits includes cover for complications of pregnancy as standard, with Maternity and Maternity Plus policy upgrades available to provide customers with cover for the more routine costs of pregnancy and childbirth, including pre and post-natal care. Home nursing benefits have also been increased as standard from 28 days to 60 days.
  • Customers will also have greater coverage on a range of Everyday Healthcare benefits that they would usually expect from their GP at home. These include up to 20 consultations with a doctor per year and higher limits for prescription medicine and vaccinations. Everyday Healthcare now includes cover towards Hormone Replacement Therapy.
  • Condition Management for acute phases of congenital conditions is also now covered as standard, alongside increased cover for the management of HIV and AIDS.
  • If treatment for any illness or accident covered is not available locally, the policy’s Evacuation & Emergency Assistance cover will arrange evacuation to the nearest facility, even if that is in another country.

Peace of mind and 24-hour assistance across the globe

All International Solutions customers get round-the-clock overseas support, 365 days a year. This includes a 24 hour medical emergency assistance helpline; a 24 hour medical advice helpline from a network of medical providers in 86 countries; and 24 hour secure online access to medical records through My Health Passport.

Full flexibility to suit individual healthcare needs and budgets

Customers can also upgrade their core cover to provide even further peace of mind with the following options:

  • Maternity or Maternity Plus cover, which includes investigations into fertility.
  • Dental or Dental Plus cover, which provides 100% reimbursement up to specified limits and a range of benefits including orthodontic treatment for children.
  • Wellbeing, to help keep customers fit and healthy with cover for routine examinations, screening, hearing and dietician tests. Co-payment has been removed so customers no longer have to pay the first 20%.

Additional Out-patient & Alternative Therapies cover

  • Repatriation & Compassionate Travel cover to help with travel and accommodation costs in the event of a family emergency.
  • Value options are also available for complete flexibility to help reduce premiums, including options for different excess levels, reducing out-patient cover or removing some core benefits like Everyday Healthcare.

The enhancements to International Solutions and the new Gulf Solutions policy come into effect on 1 February 2014 for both new and renewing customers. The policies have clearer benefit terms to give individual customers, employers and their employees complete peace of mind about the cover they choose, as well as a clear and easy claims process with no mandatory excess levels in place. Intermediary commission for new and renewal group business has also been flattened to 15%.

International Health Insurance

You may be a frequent flyer business traveler, student, leisure or medical health tourist. Perhaps you are an already established Expatriate living away from home on foreign shores. Where ever you are now, understanding International Health Insurance requirements is vital to safe, risk free Global travel. Accidents do happen and when you least expect it. Insuring you have the right type of International Health Insurance will mean, should anything untoward happen, you will not be faced with a large medical bill, or even worth, insufficient medical care. Since 2009 International Private Medical Insurance Magazine has been providing mission critical information about International Health Insurance to expatriates, individuals, groups, corporate clients, brokers and intermediaries. Select the right and most appropriate International Health Insurance plan for leisure, business, educational or health travel purposes, with the help and assistance of International Private Medical Insurance Magazines Online International Health Insurance Company and Plan Guide and Directory.

International Medical Insurance

You may be a business traveler, student studying abroad, an expatriate, leisure or medical health tourist searching to source, compare and select the best International Medical Insurance. Since 2009 International Private Medical Insurance Magazine has been providing mission critical information about International Medical Insurance to individuals, groups, corporate clients, brokers and intermediaries. It is important to fully understand International Medical Insurance requirements before you travel and insure you select the right and most appropriate health and medical insurance plan for leisure, business, educational or health travel purposes.

Expatriate Health Insurance

You may be a frequent flyer business traveler, student, leisure or medical health tourist considering the Expatriate Life. Perhaps you are already established as a Expatriate living far from home on distant shores. Where ever you are now, understanding Expatriate Health Insurance requirements is vital to safe, risk free Global travel. Accidents do happen and when you least expect it. Insuring you have the right type of

Expatriate Health Insurance will mean, should anything untoward happen, you will not be faced with a large medical bill, or even worth, insufficient medical care. Expatriates searching the internet to source, compare and select the best Expatriate Health Insurance are now covered by International Private Medical Insurance Magazines Online Expatriate Health Insurance company guide.

Get the lowdown on who's who and which Expatriate Health Insurance companies you should trust with your life. Since 2009 International Private Medical Insurance Magazine has been providing mission critical news and information about Expatriate Health Insurance to individual expatriates, expat groups, expatriate employers and Expatriate Health Insurance brokers and intermediaries.

It is important to fully understand Expatriate Health Insurance requirements before you travel and insure you select the right and most appropriate Expatriate Health Insurance plan and cover for leisure, business, educational or health travel purposes. Expatriate Health Insurance comes in all shapes and sizes so be sure to do a complete comparison of the Expatriate Health Insurance plan, costs and fine print. Make your Expatriate Health Insurance plan covers you for costs relating to repatriation, emergency evacuation, medical and non medical transport services by ground ambulance or air ambulance.

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United Arab Emirates Travel Advice and Warnings: Some OTC Medicines In The UK Are Considered Controlled Substances In The UAE

Around 1 million British nationals visit the UAE every year. Most visits are trouble-free. Take out comprehensive travel and medical insurance before you travel to the UAE.

Expatriates, Business Travelers and Tourists visiting the UAE, are advised to check if any medication they are prescribed, is considered a controlled substance in the UAE.

Some prescribed and over the counter medicines that are available in the UK are considered controlled substances in the UAE and can’t be brought into the country without prior permission from the UAE Ministry of Health. If you arrive in the UAE without this permission and the required documentation, the medication will not be allowed into the UAE and you may be prosecuted under UAE law.

For further information and specific queries, visit the website of the UAE Embassy in London and contact the Drug Control Department of the UAE Ministry of Health to check whether your medication is on the controlled list.

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Foreign Travel Advice Eritrea: Lufthansa Flights Frankfurt to Asmara Discontinued

Take out comprehensive travel and medical insurance before you travel to Eritrea.

On Monday 26 October 2013 all Lufthansa flights from Frankfurt to Asmara were discontinued. There are international flights (some direct) from Asmara to Cairo (Egyptair), Sana’a (Yemenia), Khartoum (Sudan Airways). There is an airport departure tax of US$20 per passenger which can’t be paid in local currency (Nakfa), unless you hold a resident’s permit.

The FCO advise against all travel within 25km of Eritrea’s border with Ethiopia. Tensions between Eritrea and Ethiopia are high. There were serious military clashes across the Eritrean border in March and May 2012. See Local travel. The FCO advise against all travel within 25km of Eritrea’s border with Djibouti.

The FCO advise against all travel to Eritrea’s border with Sudan, including the town of Tesseney and areas north and west of Nakh’fa, Ak’ordat and Barentu.

All foreign nationals must apply in advance for a travel permit to leave Asmara. This includes diplomats, whose applications are often refused. The British Embassy is unlikely to be able to provide consular support outside the capital.

The Eritrean authorities consider all British nationals holding either Eritrean or PFDJ identity documents (including out of date documents) as Eritrean nationals. The British Embassy is unable to offer consular assistance to dual nationals in Eritrea.

Twenty-four British nationals needed consular assistance in Eritrea in the period 01 April 2012 - 31 March 2013.

There is a low threat from terrorism. All British nationals travelling to Eritrea should register with the British Embassy in Asmara on arrival.

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Bolivia Travel Advice and Warnings

Take out comprehensive travel and medical insurance before you travel to Bolivia.

Social conflict is common in Bolivia and blockades may occur along the main roads. Public transport can be disrupted at very short notice and strikes may result in widespread road blockades, including on roads to and from airports. You should never try to cross a blockade.

There is a risk of ‘express kidnappings’. Take care when travelling around Bolivia, particularly when you first arrive. If you take a taxi, use a registered company.

There is a low threat from terrorism.

Carry a photocopy of your passport, including the personal details, entry stamp and disembarkation card with you at all times in case it is requested by immigration officials or the police. S

Parts of Bolivia, including La Paz are at high altitude. 

Contact your GP around 8 weeks before your trip to check whether you need any vaccinations or other preventive measures. Country specific information and advice is published by the National Travel Health Network and Centre, and useful information about healthcare abroad, including a country-by-country guide of reciprocal health care agreements with the UK, is available from NHS Choices.

The local Bolivian authorities have confirmed an outbreak of AH3N2 flu throughout the country. The most affected areas are La Paz, Oruro and Potosi due to low temperatures Yellow Fever vaccination is required for travellers over 1 year of age arriving from countries with risk of yellow fever transmission.

In addition yellow fever vaccine should be given to travellers 9 months of age and older travelling to areas below 2,300m east of the Andes Mountains. These areas include the entire departments of Beni, Pando, and Santa Cruz, and some areas in the Chuquisaca, Cochabamba, La Paz and Tarija departments. Yellow fever vaccine may not be suitable for some individuals so you should seek further advice from your GP, practice nurse or private travel clinic.

Medical facilities in major cities are good and acceptable in the main tourist areas. Elsewhere, facilities may not meet acceptable standards. Make sure you have adequate travel health insurance and accessible funds to cover the cost of any medical treatment abroad and repatriation. If you have a pre-existing medical condition, carry a letter from a doctor describing the medical condition and any prescribed drugs. If you bring medicines with you, make sure they are in their original containers and clearly labelled.

Dengue Fever is common to Latin America and the Caribbean and can occur throughout the year. Malaria is also common in lowland tropical areas (Beni and Pando) and the area known as Chaco in the south (Yacuiba, Paracari). Some areas have been designated as ‘high risk’ for yellow fever. When outbreaks occur, the government sets up vaccination points at police checkpoints. At each of these, you may be vaccinated if you do not hold a valid yellow fever vaccination certificate.

Parts of Bolivia, including La Paz are at high altitude. This factsheet includes advice on how to reduce the risk of altitude sickness and what to do if you develop symptoms.

If you need emergency medical assistance during your trip, dial 118 and ask for an ambulance. You should contact your insurance/medical assistance company promptly if you are referred to a medical facility for treatment.

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Travel Advice Philippines:Typhoon Haiyan/Yalonda

Take out comprehensive travel and medical insurance before you travel. Around 113,282 British nationals visited the Philippines in 2012. Most visits are trouble-free.

The Foreign and Commonwealth Office (FCO) advise against all travel to south-west Mindanao and the Sulu archipelago because of on-going terrorist activity and clashes between the military and insurgent groups.

The FCO advise against all but essential travel to the remainder of Mindanao for the same reasons.

The FCO advise against all but essential travel to the Eastern Visayas region. Typhoon Haiyan/Yalonda has caused extensive damage across the Visayas region of the country. The provinces of Samar and Leyte were particularly badly damaged and there are food and water shortages in both provinces, along with deteriorating health conditions, poor communications and an ongoing relief effort. Several other provinces in central Philippines were also badly damaged by the typhoon. You should check on local conditions before you decide to travel. If you’re in one of the affected regions, you should continue to follow the advice of local emergency authorities and let family and friends know you’re safe.

You may be able to get help from the Foreign and Commonwealth Office (FCO) if you are:

  • a British national in the Philippines who’s affected by events/the crisis;
  • concerned about a British national who you believe may be affected;

To send details to the FCO you can: Text Typhoon to +447860010026 and you will be sent instructions on how to send the information to the FCO. Please note that messages should be restricted to 160 characters and the reliability and cost of sending a text message varies from country to country and is dependent on the networks within those countries.

Alternatively, if you need to speak to the FCO urgently, you can call +63 2 858 2200 or +44 207 008 1500. The FCO will protect your privacy and process the personal information you provide in line with the Data Protection Act 1998.

A 7.2 magnitude earthquake struck the island of Bohol on 15 October. British nationals affected by the earthquake can contact the British Embassy, Manila on +63 02 858 2200.

There is a high threat from terrorism, including kidnapping. The FCO is aware of a credible and imminent kidnap threat against foreigners in Zamboanga del Norte Province in Mindanao. On 10 October the US Embassy issued an emergency message to US citizens warning them of the continuing threat from terrorism in southern Mindanao, including Davao, North and South Cotabato, Sultan Kudurat, Sarangani and Maguindinao.

On 16 September 2013 the Philippine Bureau of Immigration warned foreign nationals against joining rallies and other mass action protests.

Foreign nationals taking part in these rallies may face deportation for violating Philippine immigration laws. On 9 September 2013 armed clashes took place between militants and the Philippines security forces in Zamboanga city. Sporadic fighting continues and the city’s airport has been closed. A curfew is in place from 8pm until 5am. The FCO advise against all travel to this region. Any British nationals in Zamboanga city should remain indoors and follow the instructions of local authorities. With the exception of Philippine Airlines (PAL), all air carriers certified in the Philippines are banned from operating to/from the EU.

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iPMI Magazine speaks with Phil Austin, Head of Global Individual Private Medical Insurance at Cigna

Phil Austin runs Cigna’s Global Individual Private Medical Insurance business, based in Glasgow, Scotland. He first joined Cigna International in 2002 as Partnership Director for the UK corporate business.

As Head of Cigna’s Global Individual Private Medical Insurance division, Phil is developing and implementing the company’s individual consumer strategy on an international scale and creating a world-class international individual business. He is also responsible for building the business segment and driving profitable growth, targeting high net worth and globally mobile individuals through various channels such as the internet, bancassurance and intermediaries in key global markets.

Phil brings over 20 years of experience in global sales, marketing, product strategy and general management to the Cigna Global Health Options team. He returns to Cigna after serving as Vice President of the European Group A&H (Accident and Health) Business for Chartis.

Phil first joined Cigna International in 2002 as Partnership Director for the UK business. He went on to hold several positions within the organisation, including Health, Life & Accident (HL&A) Europe Sales & Marketing Director and Interim CEO for HL&A Europe.  

Cigna, the US based global health insurer posted a staggering $29bn revenue last year, and has over 14 million customers on its books. They have just launched a new set of IPMI products targeted at global expatriates and iPMIM finds out more.

You rejoined Cigna in 2011. Why did you return?

We launched our global individual PMI business in 2011, and it was an opportunity I simply couldn’t miss. This is clearly a market which is seeing exponential growth, it’s a very fast moving market, and that’s something I really wanted to be part of. Getting the chance to run our global individual expatriate business has certainly presented its own challenges. In a lot of ways it’s very different from the Corporate business, but the principles are still the same – Cigna have a reputation for high service, high quality plans, and that is now being continued in the individual market. The other thing that really excites me about Cigna is the way that the customer truly is at the centre of everything we do – everything is focused on the needs of the individual, and we don’t get closer to this than in the expatriate individual business.

What is Cigna’s take on iPMI?

Our individual iPMI products have been built around the needs of customers and brokers. We stripped back the concept of what an iPMI plan ‘should’ look like, and rebuilt this with things like flexible module options, cost shares and deductibles. What we have now are 3 plans which give our customers and brokers absolutely flexibility and choice to build a plan which meets their unique needs and fits their budget. Our top level Platinum product has some of the richest benefits on the market; whilst our Silver and Gold products present options for expatriates who are still looking for a quality plan, but perhaps don’t need cover for things like maternity. Every customer still benefits from the customer service which Cigna is known for, and gets access to our 24-hour global control centre and network of over 1 million hospitals and physicians worldwide.

Cigna has a huge amount of experience in the expatriate market, primarily through Corporate plans. We’ve also worked extensively in global markets for the last 30 years offering individual health, life and accident plans – so moving into iPMI was a natural next step in this journey. We’re now taking those years of experience and learnings and applying them to the iPMI market, which has given us a really great platform to provide our customers with what they want.

The expat market is clearly growing. Where are you seeing trends?

We are offering a truly global product, serving expats all around the world. I’m seeing a lot of movement out of the US and Europe into Asia, and when you look at where we’re selling policies, there is a growing trend towards Asia. Whilst the new plans expand into the mid-market, we still see a lot of demand at the upper end of the market for our Platinum plan. This goes to show that when moving abroad, people don’t want to take chances with their healthcare and are often quite willing to pay to get the very best - both in terms of ease of access to and the quality of the providers themselves.

As an insights-driven organization, we commissioned proprietary, independent research to look at market sizing and distribution channels in this market and to understand the core needs of the stakeholders (customers, brokers, medical providers, etc). We have grown a very successful direct to consumer business online, we have a growing intermediary channel and we also sell our range through bancassurance partners.

In 2013 insurance is a given. What are consumers looking for when selecting private medical insurance coverage?

We are more and more seeing customers ask what else we can give them over and above just paying their claims, and we’ve recognised that insurance is a given. Consumers are becoming much more discerning and demanding of insurers. We’ve recognised this and are leading the way in developing additional value add tools and services which customers value.

We recently launched a travel toolkit which provides consumers with an array of tools and services fitting for the traveler on the move – for example, online eDocument storage, emergency travel alerts, and dynamic country guides which our customers can refer to as they travel. Marry this with our online Health Risk Assessments (HRAs), and focus on preventative health, and our customers are getting a lot more than just insurance.

Globalization is driven by technology, consumerism and the search for new business. What role is technology playing in your private medical insurance plans?

Of course, health insurance has moved on from just paying claims. Whilst the ability to do that efficiently is crucial: making it simple and easy for our customers is among our top priorities, we’ve asked what else we can do to improve our offering for the broker market through better technology. We can offer full online medical underwriting which will often give you an instant decision in many cases, provided no additional information is required. This forms part of the online Intermediary Zone through which brokers can generate quotes, manage their client database and view clients’ documents online.

Whilst the online functionality is great to have, we know brokers often want to be able to speak to someone directly, so we support this with a real-time Intermediary Support Team who have the capability to generate quotes, and set up policies on a broker’s behalf.

Whilst the majority of our team is based in Glasgow, Scotland, we have local Business Development Managers (BDMs) in Central Europe, Hong Kong, Singapore and the US. Such is the value we feel local decision makers can make to our broker community, we have plans in place to increase the size and footprint of our BDM team and provide more localized Intermediary Support agents to support brokers in market. Each market has its own legal, regulatory and cultural nuances, its own ways of doing business, and its own approach to healthcare - so it’s crucial we have local people in the local market who can bridge those needs.

What is important when designing a private medical insurance product?

You absolutely have to listen to your customer, and listen to the market. We spent a lot of time carrying out research to build a unique proposition in the market, and this has been critical to our success. There’s a lot to be said for asking customers and brokers a direct question – ‘what do you want from a health insurance plan?’ 9 times out of 10 you will get an answer along the lines of making it easier to build a plan that suits their needs – both in terms of plan design and budget. That’s why we’ve invested a lot in building out or proposition, launching 3 brand new products, and creating completely modular plans.

How do you see the cost of expat healthcare changing in the next five years?

Rising medical costs are a universal challenge. Aging populations and increased global health risks have driven up medical trend over the years. We’re seeing this starting to stabilize in some markets, but the research is telling us this is only likely to grow further elsewhere, especially in Asia. This is where our product development team comes in. By developing modular products which give our customers and brokers the maximum level of choice and flexibility, they can build a plan which is customized to what they need. After all, if you know you’re not going to have a baby, you don’t necessarily want to include maternity care on your plan.

It’s all about choice. Our customers get the opportunity to manage their premiums with cost share and deductible options across the core inpatient and outpatient modules on all of our plans. In addition, by looking at preventative health management and offering things like online Health Risk Assessments (HRAs) which are available in our Health & Wellbeing module, customers can proactively manage their own health before they get to the stage of a doctors’ or specialists’ visit - reducing costs accordingly.

For worldwide insurance brokers who want to better understand International Private Medical Insurance, what advice would you give them?

Every time I go out and meet a broker, the lasting impression I get is that people are often surprised about the level of opportunity in this market. There’s a lot of interest out there both at the upper end of the market with Directors and Consultants following their careers, and also at the mid to low end, particularly in the student and retiree markets. The research only points to further growth, with increasing numbers of expatriates becoming ever more globally mobile.

There is undoubtedly a distinct lack of information out there for people looking to move abroad, which is where I really see the broker adding value. Brokers can position themselves as the experts and offer the solutions that best meet the ever-changing needs of their customers.

If you are an insurance broker, intermediary or agent, interested in selling Cigna Global Health Options Individual Medical Insurance Plans, simply click here to register.

iPMI Magazine speaks with Phil Austin, Head of Global Individual Private Medical Insurance at Cigna

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Russia Travel Advice and Warnings

British nationals made around 127,000 visits to Russia in 2011. Take out comprehensive travel and medical insurance before you travel.

The Foreign and Commonwealth Office (FCO) advise against all travel to Chechnya, Ingushetia and Dagestan and the districts of Budyonnovsky, Levokumsky, Neftekumsky, Stepnovsky and Kursky in Stavropol Krai. The FCO advise against all but essential travel to North Ossetia, Karachai-Cherkessia and Kabardino-Balkaria (including the Elbrus area).

Kuban Krasnodar play Swansea City and Rubin Kazan play Wigan in Europa League matches on 7 November.

There is a high threat from terrorism. Attacks have occurred most frequently in Moscow and in the North Caucasus. Political rallies can occur in Moscow, St. Petersburg and other places across Russia.

You should be aware of the risk of street crime. 

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Australia Travel Advice and Warnings For Expatriates, Tourists and Business Travelers

Take out comprehensive travel and medical insurance before you travel. Over 590,000 British nationals visit Australia every year. Most visits are trouble-free.

Australia is prone to seasonal natural disasters including tropical cyclones, flash flooding, dust storms and bushfires (forest fires). Local authorities anticipate the 2013/14 bushfire season could be more dangerous than usual as the pre-conditions for bushfires have worsened in the past year.

Several large bushfires around New South Wales in October 2013 have resulted in two deaths, around 250 properties destroyed and another 130 damaged. Further severe weather conditions are forecast. A state of emergency has been declared, with communities on alert to evacuate at short notice. Check with State authorities for up-to-date information.

Australia is a vast country. You should plan journeys carefully, particularly if you’re travelling to remote areas, bushwalking or going swimming. You will need to get a visa before you travel. Beware of scam adverts claiming to help you extend a working holiday visa. Several British nationals have had their visas cancelled as a result.

Australia Travel Advice and Warnings For Expatriates, Tourists and Business Travelers

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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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