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The Health Insurance Group Appoints Head Of Proposition Development

iPMI Magazine Executive Appointments and Movements News: The Health Insurance Group has appointed David Prosser as Head of Proposition Development. David, who worked for AXA PPP healthcare for seven years as Strategic Development Manager and more recently at Towergate Health+ as Business Development Director, joins The Health Insurance Group at a crucial stage when the company continues to expand its health and wellbeing offering to new and existing clients. 

David Prosser comments, "I am delighted to be joining The Health Insurance Group at a time when clients, particularly SMEs are examining their health and wellbeing offering to employees to ensure they have a healthy, motivated and productive workforce.

"I have been working with the company for the past four months as a consultant, so it is extremely rewarding to become part of the team. I will be working with the team and insurance providers to provide tailored bespoke packages for clients." 

David has over 20 years of experience in employee benefit consultancy and financial services sales management experience, advising on a range of health related and broader employee benefit matters. He has played a leading role in developing, managing and implementing health management projects covering such areas as sickness absence management, workforce health and wellbeing and occupational health.

Brett Hill, Managing Director of The Health Insurance Group said, "I am very pleased to welcome David to the team. David's appointment is a new role for the company and his wealth and experience within the industry will allow us to enhance our ability to offer and tailor bespoke opportunities."

The Health Insurance Group, with headquarters in Southampton and a regional office in Sheffield, combines a whole of market, independent insurance broking service for businesses and individuals throughout the world with specialist health and wellbeing advice and solutions.



The Health Insurance Group Awarded Mark Of Excellence For Corporate Culture

The Health Insurance Group has been awarded the Mark of Excellence Award for Corporate Culture by independent assessment organisation CX Awards Ltd.

The Mark of Excellence is awarded following an assessment of the corporate culture within the business and the degree of employee engagement with the company's customer philosophy, specifically:

  • To what extent is customer centricity embedded into the business?
  • How do employees who deal with customers behave in the real world?
  • And are their efforts backed up support employees?

Neil Craig, Director at CX Awards commented, "The Corporate Culture assessment process explores the extent to which the customer features in the DNA of the business. In other words, is the business like a stick of seaside rock with the word "customers" running through the middle?"

"And from what we have seen, it is clear that the corporate culture at The Health Insurance Group is very strong offering a positive working environment for employees.  The customer is undeniably at the heart of the business.  Employees truly understand the importance of delighting their customers at every opportunity and live the values of the business on a daily basis."

Brett Hill, Managing Director for The Health Insurance Group comments, "We are delighted to have been awarded a Mark of Excellence Award for Corporate Culture. We are extremely committed to supporting every member of the team in providing the very best service we can for our customers and this award demonstrates that we are doing just that."


Aviva Acquires Entire Shareholding In Vietnam JV

Aviva plc has announced the acquisition of VietinBank’s entire 50% shareholding in its life insurance joint venture VietinBank Aviva Life Insurance Limited and signing of a new distribution agreement with VietinBank to sell life and health insurance products through VietinBank’s network of over 1,100 branches, the second-largest in the market.

Chris Wei, Executive Chairman Aviva Asia and Global Chairman of Aviva Digital, said, “With Aviva’s insurance and digital expertise and a strong partnership with a leading bank, we are optimistic about our growth prospects in Vietnam. We have developed a deep and successful relationship with VietinBank and will continue to build on our strong foundations.”

As a result of the transaction, Aviva Vietnam is now a wholly owned subsidiary of Aviva with a key focus on growing the business across all key distribution channels. This move also simplifies Aviva’s operating structure in the region. The transaction is subject to customary closing conditions including regulatory approvals.

Aviva Vietnam was founded in 2011 and has since built a strong presence in the market, becoming a top ten life insurer by premium. Vietnam is an attractive insurance market with double digit life premium growth in the past three years and one of the world’s lowest life insurance penetration levels, at less than 1% of GDP1. The insurance industry is expected to benefit from the country’s projected GDP growth of more than 6% annually2  over the next three years.

1 Source: Swiss Re, The Vietnamese insurance market, Jan 2017

2 Source: World Bank, Global Economic Prospects, Jan 2017


Medical Treatment Costs In Asia November 2016

The recent info graphic from Pacific Cross international looks at medical treatment costs in Asia November 2016.

The cost of regional healthcare and medical treatment costs overseas is one of the most highly discussed topics within the international private medical insurance and assistance industry, and still remains a major risk for the entire industry.



Worldwide Medical Treatment Costs November 2016

The cost of global medical treatments around the world are one of the most common risks within the international private medical and healthcare insurance business.

In 2016 the cost of healthcare overseas and insurance premiums is a number 1 concern for employers, employees, and expatriates. A recent info graphic from Pacific Cross International tracks just this: costs of global medical treatments worldwide. 


Worldwide Medical Treatment Costs September 2016

The cost of global healthcare and medical treatment costs around the world are one of the most highly discussed topics within the international private medical and healthcare insurance business.

In 2016 the growing cost of healthcare and insurance premiums is a number 1 risk for employers, employees, and expatriates. The recent info graphic from Pacific Cross international looks at just this: worldwide medical treatment costs in September 2016.


Tokio Marine Life Insurance Singapore And Henner Group Target Globally Mobile Employees With New Care & Health Plan

Tokio Marine Life Insurance Singapore Ltd. (TMLS) has strengthened its partnership with Henner Group with the joint launch of a new international medical coverage solution for globally mobile employees in Singapore.

Developed in recognition of the 25 per cent increase in talent mobility levels over the last decade and the changing form of global assignments, such as short-term and project-based job postings, the new Care & Health plan aims to address the uncertainty faced in seeking medical insurance assistance in new and foreign markets. The plan will provide globally mobile employees with comprehensive medical insurance coverage when they relocate to Singapore, when they are re-assigned to other markets and while they are travelling overseas.

“Today's world is more interconnected than ever before, and employees with cross-border experience and skill sets continue to be highly sought-after. Singapore has one of the most globally mobile workforces in Asia2 , not only as a top destination for expatriate employees but also as a market where multinational corporations develop local talent for international assignments,” said Mr James Tan, Chief Executive Officer of TMLS.

"As part of our efforts to contribute to a safe, secure and sustainable global society, TMLS constantly explores meaningful propositions to meet the needs of our customers and business partners. The new Care & Health plan will support this valuable mobile workforce throughout their life journeys across the world, and we are extremely pleased to be partnering Henner to provide this exciting new offering.”

For globally mobile employees, a key consideration when selecting a medical insurance plan is portability, which provides certainty in the event of changes to their employment status or country of residence. The new Care & Health plan addresses this consideration by allowing employees covered under the plan to switch to an individual solution without an underwriting requirement, when they leave an employer or group plan after two years.

"As an international insurance solutions provider, our focus in the development of the Care & Health plan is to create a product that is a comprehensive and portable solution for the global workforce, leaving individuals free to focus on their careers, wherever these may take them. Care & Health plays an active part in Henner’s international development and we are proud to bring the Henner quality of service to Asia with this new plan, while remaining true to our fundamental ambition of being a partner for life to our clients,” said Mr Charles Robinet Duffo, Chief Executive Officer of Henner Group.

Other features offered by the plan include the choice of annual policy limits ranging from US$200,000 to US$4.5million, coverage for complementary therapies and medicines, comprehensive maternity benefits including in vitro fertilisation (IVF), and flexibility in optional dental or vision care add-ons, which includes Lasik surgery (commonly referred to as “laser”) and adult orthodontic work. The plan also offers cashless access to Henner’s well established international healthcare network for both Outpatient and Inpatient Hospitalisation and a claims processing average turnaround time of three working days or less.

First launched in Europe in late-2013, the Care & Health plan has received much praise and recognition as an innovative insurance solution for globally mobile individuals. In 2014, the Care & Health plan also earned Henner the Argus d'Or Innovation (“Golden Innovation Award”) under the Argus d'Or de l'Assurance ("The Insurance Golden Awards"), led by France's leading insurance weekly Argus de l’Assurance, in the "Personal Insurance for the General Public" category, as an innovative achievement in the insurance industry.

International Medical and health insurance news



Bupa Australia Apologises To Private Health Insurance Customers For Using Incorrect Assessment Process

Bupa Australia has apologised to some of its private health insurance customers for using an incorrect assessment process when reviewing cases involving pre-existing medical conditions.

A pre-existing condition (PEC) is any ailment, illness or condition that a customer had signs or symptoms of during the six months before they joined Bupa as a member or upgraded their level of cover, as determined by a company-appointed medical practitioner.

During a recent internal review, Bupa identified that some customer claims from January 2011 through to May 2016 had been rejected by company claims assessors without review by a Bupa-appointed doctor. Medical review of pre-existing conditions is required as part of this process.

Bupa now has a new team of doctors looking at all 7740 rejected PEC customer claims from the relevant period and is writing to all potentially affected customers to advise that their cases are being reviewed. Where cases have been incorrectly assessed, the customer will be appropriately reimbursed.

Managing Director of Bupa Health Insurance Dr Dwayne Crombie said the company had investigated how the process breakdown occurred and was now introducing new measures to address it.

"We apologise unreservedly to any of our customers whose claims turn out to have been rejected in error. There has been a breakdown in process which we are now remedying. We will reimburse promptly anyone whose claim was rejected wrongly," Dr Crombie said.

"We strive to provide high quality and responsive services to support the health and care needs of our customers.

"Unfortunately, a recent internal review showed that we fell short of the high standards that we set, and this may have had an impact on certain customer claims applications.

"We are treating this matter with the utmost seriousness. It has resulted in considerable reflection and review within Bupa and we have worked to put better practices in place for our customers. Our new panel of medical practitioners will complete their assessments as quickly as possible.

Process improvements Bupa is undertaking include:

  • Improved policy and documentation management of claims involving pre-existing conditions;
  • Tailored compliance training for relevant staff; and
  • New leadership and organisational structure for the pre-existing condition assessment team, as well as new and increased resourcing of the medical review function. There will also be new quality assurance roles added to this area and the supporting functions.

"In the best interests of our customers, Bupa will ensure there is a new medical review of each case. Where claims have been incorrectly assessed, we will fully reimburse our customers for their wrongly rejected claims. We will be informing customers individually as we review their cases over the next few months," Dr Crombie added.

"Based on the new medical reviews conducted so far, it appears that in the vast majority of cases, the original determination has been correct – the error was that some cases were not reviewed by a medical practitioner.

"We recognise that people may have queries about how this matter relates to their own individual circumstance and as such, we’ve established a dedicated number for them to call."

Customers with queries about this matter are advised to phone 1300 510 736 or email: This email address is being protected from spambots. You need JavaScript enabled to view it..

International Private Medical Insurance News


Latinos And People With Low Incomes Are Most Likely To Be Uninsured

Of the U.S. adult population currently without health insurance, 88 percent is Latino, makes less than $16, 243 a year, is under age 35, and/or works for a small business, according to new Commonwealth Fund survey findings. Half (51%) of the remaining uninsured live in one of the 20 states that had not yet expanded Medicaid at the time of the survey.

The report, Who Are the Remaining Uninsured and Why Haven’t They Signed Up for Coverage?, finds that an estimated 24 million working-age adults were uninsured between February and April 2016, six years after the initial implementation of the Affordable Care Act (ACA) in 2010. According to the report, as the number of people without health insurance declined by 20 million since the law went into effect, the composition of the uninsured population has changed: white adults now represent a smaller share and Latinos a larger share.

“About 26 million Americans have gained coverage through the Affordable Care Act’s marketplaces and Medicaid expansion,” said Sara Collins, Vice President for Health Care Coverage and Access at The Commonwealth Fund and the report’s lead author. “However, millions of people still don’t have health insurance. That means they are likely to go without the health care they need and are at risk of medical debt or bankruptcy if they get sick.”

The study finds that state and federal policies, varying levels of awareness about the health insurance marketplaces, and concerns about affordability are the primary reasons people remained uninsured. Specifically:

  • The ACA excludes undocumented immigrants. While exact data are not available, the authors say undocumented status is likely a major reason why many Latinos remain uninsured. Latinos also make up a significant portion of other groups at high risk for not having coverage: Among uninsured adults earning less than 138 percent of the federal poverty level ($16,243 for an individual or $33,465 for a family of four), 47 percent are Latino. Latinos also comprise 47 percent of uninsured young adults, and 46 percent of uninsured adults working for small businesses. An analysis published simultaneously on The Commonwealth Fund’s To the Point blog uses the survey to delve further into the effects of the ACA on Latinos’ health insurance.
  • Twenty states—including Texas and Florida, two of the largest states in the country—had not expanded their Medicaid programs at the time of the survey. One-third of all adults who remain uninsured have incomes that would likely qualify them for Medicaid (under 138 percent of poverty) but live in one of the 20 states without expanded Medicaid (Louisiana expanded eligibility this year and began enrollment in June). This especially affects uninsured young adults, of whom 38 percent, or an estimated 4 million, have incomes that would qualify them for Medicaid but live in nonexpansion states.
  • Uninsured adults are concerned they cannot afford marketplace coverage even if their income might qualify them for plan subsidies or for Medicaid. In the survey, 64 percent of uninsured adults who knew about the marketplaces but had not shopped for coverage said it was because they assumed they would not be able to afford it. Of those that did look for marketplace coverage but did not buy it or find any other insurance, 85 percent said they could not find an affordable plan. A large majority (86%) of this group, who were also uninsured, had incomes qualifying them for subsidies or Medicaid, though some may not have been eligible because of their immigration status.
  • The uninsured are less aware of the marketplaces. About 62 percent of uninsured survey respondents were aware of the marketplaces, compared to 79 percent of all adults.

Covering the Remaining Uninsured

The ACA has expanded health insurance and access to health care for millions of Americans. Ensuring that everyone in the United States receives the full benefits of the law, the report’s authors say, may require additional action:

  • States could expand eligibility for their Medicaid programs, which would immediately extend health insurance to millions of uninsured people.
  • Enhanced subsidies and lower cost-sharing in marketplace plans may be needed to encourage some of the remaining uninsured to enroll, especially those with moderate incomes.
  • Broad immigration reform would help increase the numbers of people who are eligible for coverage under the ACA. A loosening of the law’s restrictions on eligibility for undocumented immigrants would also help. 
  • More efforts to reach the uninsured and help them with the enrollment process would increase coverage.

“The Affordable Care Act was designed to help the United States achieve coverage for all Americans and ensure that everyone can get the health care they need,” said Commonwealth Fund President David Blumenthal, M.D. “The law has been successful in reducing the number of uninsured, but now it is time to make it possible for all to realize its benefits.”

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