iPMI Expatriate Insurance Report 2016 by iPMI Magazine Health and Medical Insurance Assistance News Magazine

iNTERNATIONAL AND EXPATRIATE HEALTHCARE AND iNSURANCE 2016Â©

WRITTEN AND PRODUCED BY IAN YOUNGMAN ACII

For insurers, agencies, brokers and global companies, keeping up-to-date about the current and upcoming insurance law in overseas countries is almost impossible. That was, until now.

55 MILLION + E

60 MILLIO

EXPATS IN 2016

ON BY 2020

REPORT SECTIONS

01: IPMI OVERVIEW

10: GLOBAL RESEARCH ON TRAVEL

02: INTRODUCTION

11: REG I O N A L RE S E A RC H O N HEALTHCARE

03:HEALTH INSURANCE 0 4:I N T E R N AT I O N A L H E A LT H INSURANCE MARKET 05: I N T ER N AT I O N A L H E A LT H INSURANCE PRODUCTS 06: EXPATRIATE NUMBERS 07: CUSTOMERS 08: THE PRODUCT 09: GLOBAL RESEARCH ON HEALTHCARE

12: REGIONAL RESEARCH ON TRAVEL 13: REGIONAL INFORMATION 14: PROFILES LOOK AT 15: COUNTRY INTELLIGENCE 16: COUNTRY PROFILES 17: COMPANY INTELLIGENCE 18: COMPANY PROFILES

IAN YOUNGMAN IS A WRITER AND RESEARCHER SPECIALISING IN INSURANCE. 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. AN ACII, HE HAS LONDON MARKET MANAGEMENT EXPERIENCE WITH BROKERS AND INSURERS.

"...THE MOST COMPLETE FACT FILLED BUSINESS REPORT IS BACK AND BETTER THAN EVER..."

REPORT FOCUS

+ THE GLOBAL DEMAND FOR HEALTH INSURANCE IS RISING FAST;

+ LOC AL S, STUDENTS AND NGO WORKERS NEED COVER TOO;

+ THERE ARE OPPORTUNITIES FOR HEALTH INSURERS AND BROKERS;

+ COMPULSORY COVER IS INCREASINGLY POPULAR WITH COUNTRIES;

+ THE NUMBERS OF EXPATRIATES IS RISING AND WILL INCREASE;

+ COUN T RIE S ARE MOVING TO I N S U R A N C E C O M PA N Y B A S ED COMPULSORY SYSTEMS;

+ UP TO ONE IN THREE EXPATS HAS NO HEALTH INSURANCE;

+ RULES ON WHAT PROVIDERS CAN OFFER ARE TIGHTENING.

REPORT FACTS

PAGES: 900 + LANGUAGE: ENGLISH FORMAT: TEXT, PDF

VERSION: 2016 WORD COUNT: TBC DELIVERY: DIGITAL

EXPERIENCE IS SAFET Y IN AN EVER CHANGING THREAT L ANDSCAPE iNTERNATIONAL AND EXPATRIATE HEALTHCARE AND iNSURANCE 2016 IS THE RESULT OF OVER 30 YEARS OF SPECIALIST RESEARCH AND REPORT PRODUC TION.

2016 REPORT CONTENTS

FEATURING: iPMI OVERVIEW INTRODUCTION

INTERNATIONAL HEALTH INSURANCE FIGURES :: • GLOBAL PREMIUM PROBLEMS • PREMIUM RETENTION IN COUNTRIES • PREMIUMS AND LOCAL TAXES • LOCAL PARTNERSHIPS • MUDDYING THE WATERS • IT IS NOT HEALTH INSURANCE.

HEALTH INSURANCE :: • COMPULSORY HEALTH INSURANCE • HEALTH INSURANCE CLAIMS • HEALTH INSURANCE FOR FEMALES • HEALTH INSURANCE MARKET POTENTIAL • HEALTH INSURANCE MARKET SIZE • HEALTH INSURANCE AND UNIVERSAL HEALTHCARE.

INTERNATIONAL HEALTH INSURANCE MARKET :: • BUYING THE MARKET OVERSEAS • DISTRIBUTION • HEALTHCARE OR HEALTH INSURANCE • HISTORY • MARKET POTENTIAL • HOSPITALS OFFERING HEALTH INSURANCE • NUMBERS OF INSURERS • SYSTEMICALLY IMPORTANT INSURERS • INSURANCE COMPANIES • LLOYD’S OF LONDON • HOW LLOYDS’ WORKS • LLOYDS’ BROKERS • MANAGING GENERAL AGENTS • THIRD PART Y ADMINISTRATORS • INSURANCE BROKERS • FINANCIAL ADVISORS • INSURANCE AGENTS • BANKS • HEALTH INSURANCE TRADE BODIES • ADVERTISING REGULATION • MEDICAL PRICE COMPARISON SITES • HEALTH INSUR ANCE COMPARISON SITES • MICRO INSURANCE • MOBILE TECHNOLOGY • PRIVATE EXCHANGES • SELF- INSURANCE • SMART PHONES • SOCIAL MEDIA • VIDEOS.

INTERNATIONAL HEALTH INSURANCE PRODUCTS :: • COVER • INTERNATIONAL INSURANCE VERSUS DOMESTIC INSURANCE .

EXPATRIATE NUMBERS :: • EXPATRIATE FIGURES • GLOBAL NUMBER OF EXPATRIATES • GLOBAL POPULATION TRENDS • EUROPEAN POPUL ATION TRENDS • GLOBAL ECONOMIC TRENDS • EXPATRIATES, MIGRANTS AND REFUGEES • EUROPEAN MIGRATION STATISTICS • WHY PEOPLE EMIGRATE • GLOBAL MOBILITY • COMPA RING WHERE E XPAT RIAT E S L I V E • EXPATRIATES IN THE GULF • EXPATRIATE POPULATION AS % OF WORLDWIDE POPULATION • EXPATRIATE OR INTERNATIONAL MIGRANT ? • REFUGEES AND EXPATRIATES • REFUGEES • TOTAL NUMBER OF NON-CITIZENS.

CUSTOMERS :: • TARGET MARKETS FOR INSURERS • WHAT IS AN EXPATRIATE? • EXPATRIATE CHARACTERISTICS • EXPATRIATE SALARIES AND BENEFITS • BUYERS • MARITIME • HIGH NET WORTH • HOW PEOPLE CHOOSE INTERNATIONAL HEALTH INSURANCE • MINING • MUSIC INDUSTRY • NGOS • NEED • OIL AND GAS • QUESTIONS POTENTIAL CUSTOMERS ASK • RETIREES • SELF-EMPLOYED • SHORT ASSIGNMENTS • SHORT-TERM COVER • STUDENTS • TARGET AGES • TEACHERS • WEALTHY EXPATRIATES • WHO CAN BE COVERED? • WHY COMPANIES BUY IT • WHY INDIVIDUALS BUY IT • WHY NEEDS ARE CHANGING • WHY NOT JUST BUY COVER LOCALLY • WOMEN.

iNTERNATIONAL AND EXPATRIATE HEALTHCARE AND iNSURANCE 2016

4THE GLOBALLY MOBILE POPULATION HAS GROWN. THERE ARE OVER 55 MILLION EXPATS AND BY 2020 THIS WILL BE 60 MILLION. 244 MILLION PEOPLE NOW LIVE AWAY FROM THEIR COUNTRY OF BIRTH. BETWEEN 1 IN 2 AND 1 IN 3 EXPATRIATES HAS NO INTERNATIONAL HEALTH INSURANCE. FOR INSURERS, AGENCIES, BROKERS AND GLOBAL COMPANIES, KEEPING UP TO DATE ABOUT THE CURRENT AND UPCOMING INSURANCE LAW IN OVERSEAS COUNTRIES IS ALMOST IMPOSSIBLE. THAT WAS, UNTIL NOW.

s a reader of iPMI Magazine you are interested in the global market and know it is important to stay 1 step ahead, on the inside track. Compulsory insurance, voluntary top up covers, differences between what you can sell to locals and

expatriates, rules on overseas investors, compulsory local partnerships, economic sanctions, and even local politics are all things that insurers and brokers must understand - as are newer factors of controls on insurance and healthcare prices, and recent compulsory health insurance

rules for travellers or students. Competition for business is not just from global groups, as regional groups and strong national insurers also want a slice of the market. Do you follow the crowd to the Gulf, or see more potential in Africa, Asia and South America?

2016 REPORT CONTENTS

THE PRODUCT :: • ADDICTION TREATMENT • ADMITTED POLICIES • BUDGET COVERS • CANCER • CHOICE OF COVER OR SET PACKAGES? • CLAIMS • COMPLIANCE WITH LOCAL LAW • CONSUMER RIGHTS ACT 2015 • CO-PAYMENTS • CRITICAL ILLNESS • CURRENCY • DANGER ZONES • DIABETES TREATMENT • DUTY OF CARE • EMERGENCY ASSISTANCE • EMERGENCY EVACUATION • FERTILITY TREATMENT • FRAUD • GLOBAL COVER • HELPLINES • INCOME PROTECTION • INTERNATIONAL MEDICAL ACCREDITATION • MEDICAL EVACUATION AND REPATRIATION • MEDICAL TOURISM • MEDICAL TRAVEL INSURANCE • OBESITY TREATMENT • ORGAN TRANSPLANTS • PASSIVE WAR • POLITICAL RISKS • PRICING • PRICE REGULATION • PRICING ON GROUP SCHEMES • RED 24 • RISK MANAGEMENT • SECOND OPINION • SECURITY AND TRAVEL ADVICE • TAKAFUL • TAKAFUL HEALTH • TERM LIFE • TOP UP COVERS • TRAVEL INSURANCE • UNDERWRITING • WAR RISKS • WEARABLES.

GLOBAL RESEARCH ON HEATHCARE GLOBAL RESEARCH ON TRAVEL REGIONAL RESEARCH ON HEALTHCARE REGIONAL RESEARCH ON TRAVEL REGIONAL INFORMATION :: • AFRICA • AMERICAS • ASIA • AUSTRALASIA • CARIBBEAN • EUROPE • MIDDLE EAST. • GLOBAL HEALTHCARE ORGANISATIONS • GLOBAL HEALTH ACCREDITATION ORGANISATIONS.

COUNTRY PROFILES LOOK AT ::

PRICE CONTROLS • HEALTHCARE CITIES AND CROSS-BORDER HEALTHCARE • STATE HEALTH INSURANCE AND PLANNED REFORM • COMPULSORY HEALTH AND TRAVEL • HEALTH INSURANCE AND PL ANNED REFORMS • COMPULSORY TRAVEL HEALTH INSURANCE • PRIVATE HEALTH INSURANCE AND SUPPLEMENTARY COVERS • HEALTH INSURANCE REGULATION AND PLANNED REFORM • HEALTH INSURANCE PRICE REGULATION AND PLANNED REFORM.

COUNTRY INTELLIGENCE :: • COUNTRY BACKGROUND • POPUL ATION • TOURISM NUMBERS • POLITICS • ECONOMY • HEALTHCARE • COMPETITION REPORTS ON PRIVATE HE ALTHC ARE • HE ALTHC ARE FOR EXPATRIATES • HEALTHCARE REFORM • HEALTHCARE PATIENT INFORMATION • HEALTHCARE PRICE CONTROL S • HE ALTHC ARE REGUL ATION • HEALTHCARE REGUL ATION REFORM • STATE HEALTH INSURANCE • STATE HEALTH INSURANCE REFORM • COMPULSORY HEALTH INSURANCE • COMPULSORY HEALTH INSURANCE REFORM • COMPULSORY TRAVEL HEALTH INSURANCE • PRIVATE HEALTH INSURANCE • PRIVATE HEALTH INSURANCE REFORM • COMPETITION REPORTS ON HEALTH INSURANCE • HEALTH INSURANCE REGULATION • HEALTH INSURANCE REGULATION REFORM • HEALTH INSURANCE PRICE REGULATION • HEALTH INSURANCE PRICE REGULATION REFORM • HEALTH INSURANCE PRICE COMPARISON SITES • HEALTH INSURERS AND MEDICAL TOURISM • NUMBER OF LOCALS LIVING OVERSEAS • INSURANCE FOR LOCALS OVERSEAS • NUMBER OF EXPATRIATES • WHERE EXPATRIATES COME FROM • ATTITUDE TO EXPATRIATES • REQUIREMENTS FOR EXPATRIATES • ADVICE TO EXPATRIATES • KEY HEALTH INSURERS AND BROKERS WITH HEAD OFFICE THERE • INTERNATIONAL HEALTH INSURERS/ BROKERS ACTIVITY • RESEARCH REPORTS ON HEALTHCARE • RESEARCH REPORTS ON HEALTH INSURANCE • RESEARCH REPORTS ON EXPATRIATES.

• HEALTHCARE, • HEALTHCARE REFORMS AND

iNTERNATIONAL AND EXPATRIATE HEALTHCARE AND iNSURANCE 2016

The business landscape is changing fast - such as the country that brought in compulsory free insurance for citizens and then with no warning scrapped the plan and told them to buy their own cover. The last 2 years has seen massive changes in who owns who, who is partnering with who and local health care/insurance offerings. Historic information is interesting, but as investment companies warn "Past performance is no guide to future success". This is the report that looks at the now and the future. â&#x20AC;&#x153;International healthcare used to be very simple; you designed one product and used it everywhere. But now there are local restrictions on who

can insure, how, and what can be insured. Some countries require insurers to have local partners while in others it can take years to get an insurance licence.â&#x20AC;? Report author Ian Youngman says, "This report has taken longer than expected to produce due to fast changing industry events. This has meant I had to make continuous changes to make sure we are fully up to speed. I have updated the previous report, doubled the number of companies, added new sections, added 60 countries and restructured it to make it more logical." iPMI Magazine CEO Christopher Knight says, "You asked for market data: this report delivers best-in-class market intelligence and is bang upto-date. Over 900 pages strong, if you are in the business, this is the

must-read report." Following the huge success of the 2014 report the 2016 edition now includes more countries and insurers, new information on laws and regulations PLUS countries current attitudes towards expatriates. The 2016 report also includes more details of new health insurance laws locally in various countries. Ian Youngman is a respected writer and researcher specialising in insurance. 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. An ACII, he has London market management experience with brokers and insurers.

2016 REPORT CONTENTS

COUNTRY PROFILES ::

COMPANY INTELLIGENCE ::

• ABU DHABI • AFGHANISTAN • ALBANIA • ALGERIA • ANDORRA • ANGOLA • ANTIGUA • ARGENTINA • ARMENIA • AUSTRALIA • AUSTRIA • AZERBAIJAN • BAHAMAS • BAHRAIN • BANGLADESH • BARBADOS • BELARUS • BELGIUM • BELIZE • BERMUDA • BOLIVIA • BOSNIA • BOTSWANA • BRAZIL • BRITISH VIRGIN ISL ANDS • BRUNEI DARUSSAL AM • BULGARIA • BURKINA FASO • BURUNDI • CAMBODIA • CANADA • CAYMAN ISLANDS • CHILE • CHINA • COLOMBIA • COSTA RICA • CROATIA • CUBA • CURACAO • CYPRUS • CZECH REPUBLIC • DENMARK • DOMINICA • DOMINICAN REPUBLIC • DUBAI • ECUADOR • EGYPT • ETHIOPIA • FIJI • FINLAND • FRANCE • GEORGIA • GERMANY • GHANA • GIBRALTAR • GREECE • GUATEMALA • GUERNSEY • GUYANA • HONDURAS • HONG KONG • HUNGARY • ICELAND • INDIA • INDONESIA • IRAN • IRAQ • IRELAND • ISRAEL • ITALY • JAMAICA • JAPAN • JERSEY • JORDAN • KAZAKHSTAN • KENYA • KUWAIT • KYRGYZSTAN • LATVIA • LEBANON • LESOTHO • LIBYA • LITHUANIA • LUXEMBOURG • MACEDONIA • MALAWI • MALAYSIA • MALDIVES • MALTA • MAURITIUS • MEXICO • MOLDOVA • MONACO • MONGOLIA • MONTENEGRO • MOROCCO • MOZ AMBIQUE • MYANMAR • NETHERLANDS • NEW ZEALAND • NICARAGUA • NIGERIA • NORWAY • OMAN • PAKISTAN • PANAMA • PAPUA NEW GUINEA • PARAGUAY • PERU • PHILIPPINES • POLAND • PORTUGAL • PUERTO RICO • QATAR • ROMANIA • RUSSIA • RWANDA • ST KITTS AND NEVIS • ST LUCIA • SAUDI ARABIA • SERBIA • SINGAPORE • SLOVAK REPUBLIC • SLOVENIA • SOUTH AFRICA • SOUTH KOREA • SPAIN • SRI LANKA • SUDAN • SWAZILAND • SWEDEN • SWITZERLAND • SYRIA • TAIWAN • TANZANIA • THAILAND • TRINIDAD AND TOBAGO • TUNISIA • TURKEY • TURKS AND CAICOS • UGANDA • UKRAINE • UNITED ARAB EMIRATES • UNITED KINGDOM • USA • URUGUAY • VENEZUELA • VIETNAM • YEMEN • ZAMBIA • ZIMBABWE.

• COUNTRY BASE • HQ • OVERVIEW • CUSTOMER NUMBERS • COMPANY PLAN • FINANCIALS • BUYING AND SELLING BUSINESSES • PARTNERSHIPS • RECENT MARKETING CHANGES • RECENT PRODUCT CHANGES • RECENT SERVICE CHANGES • RECENT CLAIMS CHANGES • DIGITAL TECHNOLOGY • COUNTRY INVOLVEMENT A TO Z.

COMPANY PROFILES :: • A PLUS • ACHMEA • ADNIC • AIA • AIG • AETNA • AETNA AND HUMANA IN 2017 • ALC HEALTH • ALLIANCE GROUP • ALLIANZ • AMARIZ • ANBANG • ANTAE • ANTHEM AND CIGNA IN 2017 • APRIL • ASSA • ASSSA • AVIVA • AXA • BELLWOOD PRESTBURY • BLUE CROSS • BLUE CROSS BLUE SHIELD • BUPA • CCW • CHUBB • CIGNA • CLEMENTS WORLDWIDE • CM INTERNATIONAL • COLLINSON • DAMAN • DAVIDSHIELD • DISCOVERY • EXCLUSIVE HEALTHCARE • EXETER • EXPATRIATE GROUP • FAIRFAX • FOSUN • FREEDOM HEALTH • GENERAL & MEDICAL • GENERALI • GLOBAL BENEFITS • GLOBAL UNDERWRITERS • GULF INSURANCE GROUP • HEALIX • HEALTHCARE INTERNATIONAL • HENNER • HUMANA • HUMANIS • IMG • INTEGRA GLOBAL • JARDINE • JUBILEE • LAMP • LIBERTY MUTUAL • MAPFRE • MARSH MCLENNAN • MEDICOVER • MET LIFE • MMI • MORGAN PRICE • MUNICH RE/MUNICH HE ALTH • MUTUA MADRILENA • NEW INDIA • NIB • OLD MUTUAL • OMAN INSURANCE • PACIFIC CROSS • PACIFIC PRIME • PAN-AMERICAN LIFE • PRIMARY GROUP • PUNTER SOUTHALL • QATAR INSURANCE • RBI PREMIUM • SAICO • JW SEAGON • SEVEN CORNERS • SIACI SAINT HONORE • STARR • STATE LIFE •STATUS GLOBAL • SWISS GLOBAL • SWISS LIFE • TOKIO MARINE • UNITEDHEALTH • UNION INSURANCE • VHI • VSP • WELLAWAY • WILLIAM RUSSELL • WILLIS • ZURICH.

iNTERNATIONAL AND EXPATRIATE HEALTHCARE AND iNSURANCE 2016

2016 REPORT READERS

BROKERS

CORPORATIONS

HOSPITALS

TRANSPORT

INSURERS

TPA

2016 REPORT FACTS • The global demand for health insurance is rising fast; • There are more opportunities than ever for health insurers and brokers; • The numbers of expatriates is

rising and will increase; • Locals, students and NGO workers need cover too; • Compulsory cover is increasingly popular with countries;

• Countries are moving to insurance company based compulsory systems; • Rules on what providers can offer are tightening.

150+ COUNTRY PROFILES

COUNTRY PROFILES FOCUS ON :: HEALTHCARE, • HEALTHCARE REFORMS AND PRICE CONTROLS • HEALTHCARE CITIES AND CROSS-BORDER HEALTHCARE • STATE HEALTH INSURANCE AND PLANNED REFORM • COMPULSORY HEALTH AND TRAVEL • HEALTH INSURANCE AND PLANNED REFORMS • COMPULSORY TRAVEL HEALTH INSURANCE • PRIVATE HEALTH INSURANCE AND SUPPLEMENTARY COVERS • HEALTH INSURANCE REGULATION AND PLANNED REFORM • HEALTH INSURANCE PRICE REGULATION AND PLANNED REFORM.

COUNTRY INTELLIGENCE :: COUNTRY BACKGROUND • POPULATION • TOURISM NUMBERS • POLITICS • ECONOMY • HEALTHCARE • COMPETITION REPORTS ON PRIVATE HEALTHCARE • HEALTHCARE FOR EXPATRIATES • HEALTHCARE REFORM • HEALTHCARE PATIENT INFORMATION • HEALTHCARE PRICE CONTROLS • HEALTHCARE REGULATION • HEALTHCARE REGULATION REFORM • STATE HEALTH INSURANCE • STATE HEALTH INSURANCE REFORM • COMPULSORY HEALTH INSURANCE • COMPULSORY HEALTH INSURANCE REFORM • COMPULSORY TRAVEL HEALTH INSURANCE • PRIVATE HEALTH INSURANCE • PRIVATE HEALTH INSURANCE REFORM • COMPETITION REPORTS ON HEALTH INSURANCE • HEALTH INSURANCE REGULATION

• HEALTH INSURANCE REGULATION REFORM • HEALTH INSURANCE PRICE REGULATION • HEALTH INSURANCE PRICE REGULATION REFORM • HEALTH INSURANCE PRICE COMPARISON SITES • HEALTH INSURERS AND MEDICAL TOURISM • NUMBER OF LOCALS LIVING OVERSEAS • INSURANCE FOR LOCALS OVERSEAS • NUMBER OF EXPATRIATES • WHERE EXPATRIATES COME FROM • ATTITUDE TO EXPATRIATES • REQUIREMENTS FOR EXPATRIATES • ADVICE TO EXPATRIATES • KEY HEALTH INSURERS AND BROKERS WITH HEAD OFFICE THERE • INTERNATIONAL HEALTH INSURERS/ BROKERS ACTIVITY • RESEARCH REPORTS ON HEALTHCARE • RESEARCH REPORTS ON HEALTH INSURANCE • RESEARCH REPORTS ON EXPATRIATES.

LIMITED COPIES AVAILABLE

IF YOU ARE LOOKING FOR :: • ACE IS NOW CHUBB • ARIA IS NOW ASTRENSKA AND OWNED BY COLLINSON • AVANTIS HEALTH - HAS VANISHED • BRIT INSURANCE IS PART OF FAIRFAX • EXPACARE IS PART OF JARDINE • EXPATRIATE HEALTHCARE IS NOW EXPATRIATE GROUP • GEO BLUE IS PART OF BUPA • GLOBAL HEALTH ASIA IS PART OF APRIL • GLOBALITY HEALTH IS PART OF MUNICH HEALTH • GMC IS NOW HENNER • HAUTEVILLE IS PART OF ALLIANZ • HCC IS PART OF TOKIO FIRE AND MARINE • HTH WORLDWIDE IS PART OF BLUE CROSS BLUE SHIELD • INTERGLOBAL IS PART OF AETNA • IPH IS PART

OF AXA • JELF IS PART OF MARSH MCLENNAN • MEDIBROKER IS PART OF APRIL • MEDICARE INTERNATIONAL IS NOW APRIL INTERNATIONAL • MERCER IS PART OF MARSH MCLENNAN • MOMENTUM IS PART OF MMI • MSH INTERNATIONAL IS PART OF SIACA SAINT HONORE • NOWCOMPARE IS PART OF ALLIANCE GROUP • NOW HEALTH INTERNATIONAL IS PART OF PRIMARY GROUP • PASSPORT2HEALTH CLOSED • PRUHEALTH IS NOW VITALITY HEALTH, OWNED BY DISCOVERY • RSA SOLD OFF ALL HEALTH INSURANCE INTERESTS • SANO IS NOW ANTAE • SIRIUS INTERNATIONAL IS PART OF CM INTERNATIONAL • TOWERS WATSON IS PART OF WILLIS • WELLPOINT IS NOW ANTHEM.

we have you covered

HOW TO BUY iNTERNATIONAL AND EXPATRIATE HEALTHCARE AND INSURANCE 2016

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Following the success of the 2014 report the 2016 edition now includes more countries and insurers, new information on cross

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ENGAGE border healthcare laws and regulations PLUS countries current attitude to expatriates, plus full details of new health insurance laws in countries including Dubai, Qatar, and the USA. Much more information has been added on the number of expatriates globally and by country –both outbound and inbound, and on local insurance regulation. attitude to expatriates, plus full details of new health insurance laws in countries including Dubai, Qatar, and the USA. Much more

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PROTECT information has been added on the number of expatriates globally and by country –both outbound and inbound, and on local insurance regulation.

iPMIM Offer £1150

iPMI Magazine subscribers enjoy complete access to this exclusive report for just £1150. Other major retailers are charging £1300.

For insurers, agencies, brokers and global companies, keeping up-to-date about the current and upcoming insurance law in overseas countries is almost impossible. That was, until now.

WRITTEN AND PRODUCED BY IAN YOUNGMAN ACII