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International Health Insurance 2022

Leading international private medical insurance publisher iPMI Magazine, is excited to announce the official launch of the “International Health Insurance 2022" IPMI market report, written by leading IPMI, insurance and healthcare analyst Ian Youngman.

This must-have latest IPMI market information provides a wealth of facts and figures on international private medical insurance and health insurance for expatriates, third-country nationals, domestic nationals, and global nomads.

Format: Written Report.

Size: 225 A4 Pages.

Delivery: PDF Format.

WHO IS THE REPORT FOR?

  • Insurance companies;
  • Insurance brokers and agents;
  • MGAs and MGUs; 
  • Management consultants; 
  • Professionals working in global healthcare markets; 
  • Hospital and clinic groups operating internationally; 
  • Travel agents; 
  • Assistance companies; 
  • Cost containment and claims management companies; 
  • Insurance technology companies;  
  • Travel managers;
  • Air and ground ambulance companies;
  • Banks and other financial institutions;
  • Investors and private equity; 
  • National and local government policy makers; 
  • Lawyers;
  • Policy advisors; 
  • Think tanks.

Introduction

  • The global demand for health insurance is rising fast
  • There are opportunities for health insurers and brokers.
  • The numbers of expatriates is rising and will increase.
  • IPMI and PMI are no longer separate.
  • Locals, students, digital nomads and NGO workers need cover.
  • More countries are making health insurance compulsory.
  • Healthcare and health insurance are becoming intertwined. 
  • Technology will change how insurers, brokers and customers interact.
  • There are more opportunities than ever for insurers and brokers to sell health insurance globally to locals and internationals.
  • International private medical insurance is flourishing. There are more globally mobile individuals than ever before - and employers are building businesses in more diverse countries.
  • IPMI as health insurance without borders is the future of health insurance for all people irrespective of their country of nationality, residence or current domicile.
  • Compulsory insurance, voluntary top up covers, differences between what you can sell to locals and expatriates, rules on overseas investors, local partnerships, economic sanctions, and even local politics are all things that insurers and brokers must understand.
  • There have been several new entrants to the global healthcare insurance and ancillary services market, long dominated by a small handful of existing insurance companies. Regional insurers and brokers are active in the sector.
  • The IPMI market is always shifting with market exits and entrants.
  • There is a global shift Eastwards as the USA/Europe axis gives way reluctantly to a China/Asia/Africa axis.
  • Being no longer possible to just offer IPMI offshore, due to compulsory insurance, tighter regulation and a rising rife of nationalism- global players have to invest in offices, partnerships and deciding which markets to be in. 
  • There is a massive rise in IPMI and PMI offerings from regional groups, local groups and single country insurers.
  • Three big partnership deals are changing the face of IPMI-Aetna/Allianz, Allianz/ Sanlam and Bupa/Generali.

OVERVIEW

MARKET CHANGES

  • Background - IPMI market in 2022
  • The three big partnership deals
  • Aetna and Allianz
  • Allianz and Sanlam
  • Bupa and Generali
  • Health insurers A to Z
  • Brokers agents and MGA/MGUs A to Z
  • Countries A to Z

HOT TOPICS

  • Invasion of Ukraine
  • GROWING NEED FOR IPMI
  • Global Migration
  • Diaspora
  • International students
  • Temporary foreign workers
  • Expatriates

INTERNATIONAL HEALTH INSURANCE NUMBERS

  • Global premium figures

LATEST INSURER AND BROKER RESEARCH

  • Ageing workforce
  • Executive wellbeing
  • Expatriate health concerns
  • Expats on living abroad
  • France employee healthcare
  • Global employee benefits
  • Global health benefits
  • Global health insurance costs and trends
  • Global health insurance trends
  • Global insurance
  • Global medical price trends
  • Global medical trends
  • Global mobility
  • Global multinationals and corporate transfers
  • Global private healthcare
  • Healthcare in 2040
  • Healthcare and wellbeing 2040
  • Health insurance for ex-pats
  • Health insurance pricing trends
  • International health insurance
  • International mobility strategy
  • International schools
  • Mental health
  • Millennials
  • Online purchase
  • USA Employee benefits
  • USA employer medical costs

OTHER RECENT RESEARCH

  • Digital nomads
  • Insurance brands
  • USA health insurers
  • Working abroad
  • NEW GLOBAL TRENDS
  • Businesses and consumers
  • Chronic condition management
  • Diaspora cover for relatives
  • Digital nomads
  • Employer health support to employees and families
  • Managing general agents
  • Merging health insurance and healthcare
  • Millennials
  • Partnering with global insurers
  • Remote health services
  • Sending people overseas
  • Seniors
  • Short assignments
  • Short-term cover

REGIONAL TRENDS

  • AFRICA
  • ASIA PACIFIC
  • Asian health
  • Healthcare in Asia
  • Health insurance market potential Asia-Pacific
  • Asia medical benefits
  • Health at a Glance: Asia Pacific
  • EUROPE
  • Health at a Glance: Europe
  • LATIN AMERICA AND CARIBBEAN
  • Health at a Glance: Latin America & the Caribbean
  • Latin America health insurance potential
  • MIDDLE EAST AND NORTH AFRICA
  • Middle East and North Africa outlook
  • Replacing foreigners with citizens
  • Health insurance market potential Middle East
  • Healthcare in UAE

THE FUTURE

  • The future
  • Health insurers need to offer more
  • IPMI in 2022

How To Buy International Health Insurance (IPMI) 2022

We are selling the report International Health Insurance (IPMI) 2022 on Research and Markets for £1,599.

However, if you are an advertiser or iPMI Magazine subscriber, we are offering the report for a subsidised investment

iPMI Magazine Advertiser: £1,300

iPMI Magazine Subscriber: £1,450

To take advantage of this offer please write to ipmi[at]ipmimagazine.com or speak with your account manager directly.

About The Author

Ian Youngman is a writer and researcher specialising in international private medical insurance, global healthcare and medical tourism. He writes regularly for a variety of magazines, newsletters, and on-line services. He publishes a range of market reports and undertakes research for companies and has London market management experience with brokers and insurers. 

 

 

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Kenyan Tragedy A Wake Up Call For Expatriates With No Health Insurance

Think of a growing economy in Africa, and Kenya is bound to be high on the list. Kenyan national statistics show GDP growth of over 5% in the first quarter of 2013 and 4.3 per cent in the second quarter which put many mature Western economies to shame.

Democratic, growing and stable, the capital Nairobi is home to many regional corporate offices and has thriving European and US expatriate, student and NGO communities. Many come for the lifestyle too, which has long been recognised as relaxed and very attractive. Recently, several large Western-style malls have sprung up offering families the chance of a day out shopping, eating or going to the cinema. The Malls are busiest on Saturday mornings when local shopper numbers are boosted by large numbers of expatriates who call the Kenyan capital home.

However, Kenya has long displayed huge disparities in wealth, leading to an ever present threat of robberies, car-jackings, and home invasions. Homes are hidden behind high walls, often topped with razor wire. Home alarm systems and lockable safe rooms are essential in many houses rented to foreigners. Restaurants popular with expats are hidden from the street outside. Kenya too is a front line State in many other ways – with an army active in Somalia, Operation Linda Nchi ("Protect the country") is the codename for a co-ordinated military operation between the Somalian military, the Kenyan military and the Ethiopian military that began on 16 October 2011, when troops from Kenya crossed the border into the conflict zones of southern Somalia.

The soldiers were in pursuit of Al-Shabaab militants that are alleged to have kidnapped several foreign tourists and aid workers inside Kenya. Kenya is no stranger to terrorist attacks either. In 1998, Al Qaeda’s first major international strike was the twin bombings of the US embassies in Nairobi and Dar es Salaam, Tanzania, killing more than 200 people including 12 Americans.

Four years later, jihadists trained in Somalia tried to down an Israeli jet with a rocket-propelled grenade, and they crashed a truck full of explosives into a Kenyan hotel on the Indian Ocean, leaving 13 people dead. Against this background, or perhaps because of it, the country remains a popular destination for working expatriates and NGOs.

The recent tragedy of the Westgate shopping Mall illustrates brutally the importance of expatriates in the community. Of the estimated 67 dead, around six are known to be British, with a similar number of UK citizens still missing. With a heightened country risk profile, life insurers such as Friends Provident International have withdrawn life insurance for expatriates living and working there, so where does this leave those needing protection, for example in the area of international private medical insurance?

When countries are experiencing civil unrest or perhaps in the immediate aftermath of a major conflict, many expatriate health insurers will classify such situations as having a ”passive war risk” and, as a result, will limit cover available. For foreign workers of all nationalities, this presents significant problems and can act to deter workers from moving to such places to carry out vital reconstruction and development work at precisely the time when it is most needed.

Debbie Purser, managing director of MediCare International comments, “Passive war is a specific term used in the industry to describe a heightened risk which may be due to a number of factors. For the expatriate worker it is vital to check whether their international medical insurance cover is still valid or limited in any way. At MediCare International, we offer full passive war cover, meaning if you are unlucky enough to be taken ill or injured in such circumstances, your policy will still be active.”

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Travel Advice and Warnings Italy: Large Demonstrations Are Expected To Take Place In Rome On 18 And 19 October

Over 2.5 million British nationals visit Italy every year. Most visits are trouble-free. Take out comprehensive travel and medical insurance before you travel.

Large demonstrations are expected to take place in Rome on 18 and 19 October. You should take extra care and avoid all demonstrations.

Local public transport strikes may affect travel at short notice.

If you are visiting a ski resort you should take advice on weather and avalanche conditions before you travel and familiarise yourself with local skiing laws and regulations. 

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HCC Ratings Affirmed by A.M. Best and Fitch

HCC Insurance Holdings, Inc. (NYSE:HCC) today announced that A.M. Best Company, Inc. and Fitch Ratings have affirmed the Company's ratings.

"We are very pleased that A.M. Best and Fitch have affirmed HCC's financial strength ratings of "A+" and "AA," respectively. These strong ratings reflect our continued commitment to underwriting discipline and consistent profitability," said Christopher J.B. Williams, HCC's Chief Executive Officer.

On October 3, 2013, A.M. Best announced that it had affirmed the "A+ (Superior)" financial strength ratings (FSR) and "aa" issuer credit ratings (ICR) of the property/casualty companies in the Houston Casualty Group and HCC Life Insurance Company. Additionally, A.M. Best affirmed ICR and debt ratings of "a" on the holding company's $300 million 6.300% Senior Notes due 2019. The outlook for all of A.M. Best's ratings is Stable. The following property/casualty insurance companies comprise Houston Casualty Group, as defined by A.M. Best:

  • Houston Casualty Company
  • U.S. Specialty Insurance Company
  • Avemco Insurance Company
  • HCC Specialty Insurance Company

A.M. Best also affirmed the "A+ (Superior)" FSR and "aa-" ICR for the following insurance company subsidiaries:

  • American Contractors Indemnity Company
  • United States Surety Company

On October 1, 2013, Fitch Ratings announced that it had affirmed the "AA (Very Strong)" insurer financial strength (IFS) ratings for HCC's insurance company subsidiaries and the "A+" issuer default rating for HCC Insurance Holdings, Inc.

In addition, Fitch affirmed the "A" debt rating on the holding company's $300 million 6.300% Senior Notes due 2019. The outlook for all of Fitch's ratings is Stable.

These IFS ratings apply to the following insurance company subsidiaries:

  • Houston Casualty Company
  • U.S. Specialty Insurance Company
  • Avemco Insurance Company
  • HCC Specialty Insurance Company
  • HCC Life Insurance Company
  • American Contractors Indemnity Company
  • United States Surety Company

Headquartered in Houston, Texas, HCC Insurance Holdings, Inc. is a leading specialty insurer with offices in the United States, the United Kingdom, Spain and Ireland. As of June 30, 2013, HCC had assets of $10.2 billion and shareholders' equity of $3.5 billion. HCC's major domestic and international insurance companies have financial strength ratings of "AA (Very Strong)" from Standard & Poor's Corporation, "A+ (Superior)" from A.M. Best Company, Inc., "AA (Very Strong)" from Fitch Ratings, and "A1 (Good Security)" from Moody's Investors Service, Inc.

For more information about HCC, please visit http://www.hcc.com.

 

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Allianz Worldwide Care launches AppointMed

International health insurer Allianz Worldwide Care has announced details of AppointMed, a new appointment booking service that offers UK based members a simple and efficient way of securing an initial appointment with a consultant on a direct billing basis.

This convenient ‘one telephone call’ based service, which does not require a GP referral, has been launched in association with the UK’s largest private hospital group, BMI Healthcare, giving members access to over 6,500 consultants across the UK. To make an appointment, a member simply contacts Allianz Worldwide Care’s Helpline and requests the AppointMed service. A member of the Helpline then transfers the member to BMI Healthcare who ascertains the type of consultant specialty required and provides the member with a list of consultants to choose from.

The member can then arrange the appointment through BMI Healthcare at a date, time, and location convenient for them, and costs are billed directly to Allianz Worldwide Care. The AppointMed appointment booking service is available from 8am-8pm Monday-Friday and 9am-5pm on Saturdays.

Commenting on the new service, Susan Landers, Head of Marketing and Client Management at Allianz Worldwide Care said: “We are continually looking for ways to make life easier for our members. AppointMed achieves this by providing fast and easy access to BMI Healthcare’s extensive network of consultants on a direct settlement basis”.

Scott Feldman, International Director at BMI Healthcare added “We are delighted to be working with Allianz Worldwide Care in launching this convenient and rapid access service for international patients. As the largest private hospital group in the UK, we can offer appointments with over 6,500 consultants across 69 hospitals and treatment centres, in just one call and often at short notice. This service further underlines our commitment to service excellence by seamlessly connecting those seeking world class care with the right specialists, anywhere in the UK.”

More Info: www.allianzworldwidecare.com

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Knowledge Gap Widens for US-Based International Business Travelers

While safety remains the highest priority for US-based business travelers, when travelling internationally these same business people feel the least prepared to deal with political unrest. These are some of the findings in the second annual Asterisk International Business Traveler Study published by Europ Assistance USA and their partner Drum Cussac. Europ Assistance USA and Drum Cussac polled five hundred US-based business people who had taken at least three trips internationally within the last twelve months.

The number one concern of those polled was safety - including personal security, terrorism, and radicals. 83% of travelers polled stated that safety and the ability to take care of their medical needs while travelling internationally were their highest priority. "The two years of data is very robust," said Guillaume Deybach, CEO Europ Assistance USA. "There's a significant knowledge gap between what business travelers think they know and what they actually know."

The Asterisk study found that the knowledge gap for business travelers continues down to a personal level. While fully half of those surveyed stated that they had required some level of medical care while traveling abroad, almost as many (44%) were unsure if their health insurance company provided them with the same benefits abroad as they receive at home.

Deybach said, "I am not sure what is worse for a business, asking an employee to take on an unnecessary risk or avoiding an opportunity entirely, out of fear. The right tools and intelligence will help reduce these risks, help open new markets, and enable better decision making."

Asterisk is an enterprise travel risk management service from Europ Assistance and Drum Cussac, two internationally renowned and highly trusted assistance and risk management providers. Other highlights from the second annual Asterisk International Business Traveler Study include:

  • 45% of respondents said their company does not offer a plan to assist travelers with travel-related emergencies or they do not know about it, with 80% indicating their company does not have a formal emergency or communication plan.
  • An overwhelming 90% of respondents felt unequipped to handle a natural disaster or political unrest/riots while traveling, while 82% felt unequipped to find a local doctor.
  • Travelers are increasingly concerned about the ability to use their communications devices, such as cellphones, smart phones, and computers - as these are vital links for their security as well as their business.
Read more...

Census Bureau Releases Health Insurance Coverage Estimates for All Counties

The Census Bureau has released its 2011 Small Area Health Insurance Estimates (SAHIE). The estimates show the number of people with and without health insurance for all states and each of the nation's roughly 3,140 counties. The statistics are provided by broad age group, sex, race and Hispanic origin, and at income levels that reflect thresholds for state and federal assistance programs. The data can be used to assess annual changes in health insurance coverage from 2008 through 2011.

The release includes a 2011 highlights document that describes demographic and economic differences in health insurance status across states and counties, as well as geographic variation and time trends in health insurance status. The document also includes a number of maps that are available for download from the SAHIE website. SAHIE can be a useful tool when evaluating the impacts of health care policy changes at the state and county levels. SAHIE provides estimates of the uninsured at incomes 0 to 138 percent of the federal poverty threshold. This group may qualify for Medicaid in participating states.

The 0 to 400 percent group provides estimates of the uninsured population that may qualify for the Health Insurance Exchanges or for Medicaid. To make quick evaluations of your state's potential program participants, visit the SAHIE interactive data and mapping tool on the SAHIE website. The tool allows users to create and download state and county custom tables and thematic maps, and state health insurance coverage time trend charts.

The SAHIE program models health insurance coverage by combining survey data with population estimates and administrative records. Specifically, it uses the American Community Survey, demographic population estimates, aggregated federal tax returns, participation records for the Supplemental Nutrition Assistance Program, County Business Patterns, Medicaid and the Children's Health Insurance Program participation records, and the 2010 Census.

At present, SAHIE is the only source of health insurance estimates for all counties. There are no county estimates derived from the Current Population Survey. In September, the Census Bureau will release 2012 health insurance coverage estimates for counties with a population of 65,000 or more from the American Community Survey. The following month, similar estimates will be released for counties with a population of 20,000 or more using data collected from 2010 to 2012.

In December, for the first time, statistics on health insurance coverage for all areas, regardless of size, will be released based on American Community Survey data collected from 2008 to 2012.

Read more...

Aetna's Worldtraveler Boosts Benefits For Global Business Travelers

Companies seeking international health coverage for their employees traveling abroad on short-term assignments can enjoy greater peace of mind with Aetna’s (NYSE: AET) newly enhanced WorldTravelerSM global health insurance plans. Effective immediately for all new and existing WorldTravelerSM plans, Aetna has eliminated its annual maximum payout for prescription drugs.

Aetna also has lifted its annual medical maximum payout for employees covered by its Premier Plus plans. For all plans with a dependent care option, employees’ dependents are now covered through age 26, up from age 18. Additionally, as of April 1, Aetna has lowered employers’ minimum annual premium to $1,000 on new and renewed plans.

Available for companies in many parts of the world, WorldTravelerSM is stand-alone, short-term international health coverage for employees who travel overseas extensively – up to six months consecutively and nine months annually – but are not candidates for expatriate health coverage. WorldTravelerSM offers benefits rarely available with domestic health care plans or accident policies. Standard benefits include direct billing to Aetna by its global network of more than 70,000 hospitals, clinics and doctors outside the United States, 24/7 customer service, on-call nurses, and medical evacuation and repatriation services.

“We know that dealing with health-related issues can be stressful, especially when people are far from home,” said Eugene Marks, Aetna International’s general manager of the Americas Region. “That’s why we have enriched WorldTravelerSM. We want our customers to know they can count on us wherever in the world they might be.”

For employers, WorldTravelerSM offers an affordable way to provide international coverage for employees traveling on business. Premiums are based on a per diem cost and the number of projected travel days. Plan administration is easy too. All employees are automatically covered; no individual enrollment is required. WorldTravelerSM requires no deductible. The plans cover pre-existing conditions and dental injuries. Options include dependent coverage, business travel accident insurance and health care benefits during leisure travel in conjunction with business travel.

Read more...
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Delivered digitally in PDF format, iPMI Magazine market research reports contain all the insurance and healthcare business intelligence you need to make well informed cross-border business decisions. The results of over 60 years of combined IPMI market research, iPMI Magazine reports are where leaders learn from leaders from in-depth, specific and high targeted technical market contents.