iPOLICY Magazine Issue 005 by iPMI Magazine Health and Medical Insurance Assistance News Magazine

iP LICY POWERED BY iPMI MAGAZINE | ISSUE 5 | MAY 2016

IN THIS ISSUE >>

AETNA INTERNATIONAL LAUNCHES NEW GLOBAL HEALTH CARE PRODUCTS NEW CCO @ GLOBALITY HEALTH + NEW IPMI & PMI PLANS FROM AIG, APOLLO MUNICH, BELLWOOD PRESTBURY, CIGNA GLOBAL IPMI, CLEMENTS WORLDWIDE, GENERALI GLOBAL HEALTH, MSH INTERNATIONAL, STARR COMPANIES, WELLAWAY, ZURICH + MORE | iPMI MAGAZINE PROVIDER NETWORK | NEW 2016 iPMI REPORT | ALLIANZ WORLDWIDE CARE & GENERALI GLOBAL HEALTH INTERVIEWS

Pacific Cross Insurance Inc. Pacific Cross Healthcare Inc.

Pacific Cross Vietnam

STOP THE PRESS

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GLOBALITY HEALTH NAMES MICHAEL KLØCKER NEW CHIEF COMMERCIAL OFFICER Sunday, 1 May 2016

4AS OF 1ST MAY 2016, MICHAEL KLØCKER IS THE CCO OF THE INTERNATIONAL HEALTH INSURER WITH A SPECIAL FOCUS ON EXPATRIATES, GLOBALITY HEALTH. The appointment completes Globality’s Board A Danish national, Michael is fluent in German, of Management, allowing interim CCO Gregor English, Swedish and of course Danish. Michael Schulte to focus on his core role as Chief Financial holds a law degree from Copenhagen University. Officer. Globality Health is the international health “I am looking forward to joining an international insurer with a special focus on expatriates – insurer with a focus on expatriates and a growing people who study, live or work abroad. As a business that is driving both innovation and member of Munich Health we bring together change in its industry” commented Michael. “I more than 3,000 experts at locations worldwide am convinced that there is a great opportunity to offer innovative health solutions for clients to strengthen Globality Health’s position in the and partners around the globe. As an integral market, and I look forward to working with an part of Munich Re, we give you the financial experienced team to increase visibility and strength and security of an AA-rated worldactivities with a strategic approach under the leading insurer and reinsurer. Following our Munich Health brand.“ philosophy of “premium health insurance worldwide” we offer excellent care and safety “Michael is a very experienced insurance sales all over the world. Internationally operating professional, having been responsible for major companies and their expatriate staff as well as corporate and speciality clients across 37 individuals and their families place their trust countries. He brings a proven track record of in 80 years of experience in the healthcare substantially growing turnover by understanding market concentrated in one focused organisation. client’s requirements before designing and With Globality CoGenio® and Globality YouGenio® executing a focussed and structured sales World we offer flexible underwriting solutions, approach” added Roman Beilhack, CEO of high-level products with comprehensive outpatient, Globality Health. inpatient and dental insurance cover globally.

THERE FOR YOUR EXPATRIATE CUSTOMERS. EVEN WHILE YOU SLEEP. Be there for potential customers 24/7 with the new online AppLink quote portal from Cigna. Putting AppLink on your website lets your customers get a price and get the information they need quickly and easily. AppLink. So you can be there for your expatriate customers, all the way. Learn more at cignaglobal.com/brokers/applink

“Cigna” and the “Tree of Life” logo are registered service marks of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its operating subsidiaries. All products and services are provided by or through such operating subsidiaries, and not by Cigna Corporation. Such operating subsidiaries include Cigna Global Insurance Company Limited, Cigna Life Insurance Company of Europe S.A.–N.V, Cigna Europe Insurance Company S.A.-N.V. and Cigna Worldwide Life Insurance Company Limited.

Pacific Cross is more than just insurance. Pacific Cross provides peace of mind.

Pacific Cross Insurance brings over 65 years of experience in the health and travel insurance industry to clients throughout Asia.

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iPOLICY CONTENTS

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iPOLICY 005 IN FOCUS AETNA INTERNATIONAL LAUNCHES NEW GLOBAL HEALTH CARE PRODUCTS Aetna International launched two new global health care products for individuals, families and groups around the world. Aetna Pioneer is aimed at individuals and families with Aetna Summit supporting group clients.

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RBI PREMIUM APPOINTS NON EXECUTIVE DIRECTOR Rbi Premium is excited to announce a new addition to its management team. Kirk brings to the table his extensive insurance experience in the UK, Asia and Middle East markets

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www.generali.com

GENERALI GLOBAL HEALTH BOOSTS SENIOR TEAM WITH NEW HIRES

Generali Global Health

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Your health means the world to us

Generali Global Health (GGH) offers International Private Medical Insurance to corporations, international organisations and individuals. Backed by the solidity and global footprint of the Generali Group, GGH unite unique and flexible product and benefit options with leading technology, to anticipate our clients’ needs anywhere in the world, 24 hours a day, 7 days a week. Through our extensive range of health insurance and wellness solutions, integrated medical support and claims management, we are committed to putting our customers at the centre of the services we provide. For more information on GGH products and services please contact: GGH@generali.co.uk Head Office 100 Leman Street, London E1 8AJ Tel. +44(0)20 7365 6444

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Jamie Marshall joins as Chief Technical Officer, Paul Tidy as Chief Operating Officer and Paul Winstanley as Head of Business Development. All three are proven in the fields of international private medical insurance.

IPMI MAGAZINE SPEAKS WITH JAMIE MARSHALL CTO GENERALI GLOBAL HEALTH Jamie Marshall: I have considerable actuarial and healthcare experience, both in the UK and International markets, and am currently Chair the Institute and Faculty of Actuaries Health and Care Board.

Discover Aetna International’s NEW Pioneer & Summit global health care plans Choice We provide cover for inpatient and outpatient care, dental treatment and hospitalisation to name a few.

Control Let your employees take charge of their health with tools that fit with their busy lifestyle, like our Online Health Assessment.

Care

Comfort We’ll help to keep your employees and their family safe with resources to manage their personal safety if they’re outside their home country.

Convenience Wherever your employees are in the world, they can count on our web and mobile technology to keep our services and support within reach.

Our team of specialised clinicians and multilingual case managers are available 24/7/365 to support your employees no matter where they are.

Isn’t it time your international employees receive robust health care solutions, anytime, anywhere? Learn more at aetnainternational.com Or call the team on +44 (0) 870 442 2676

Aetna® is a trademark of Aetna Inc. and is protected throughout the world by trademark registrations and treaties.

iPOLICY CONTENTS

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iPOLICY 005 IN FOCUS IPMI MAGAZINE SPEAKS WITH PAUL TIDY COO GENERALI GLOBAL HEALTH P28

IPMI MAGAZINE SPEAKS WITH PAUL WINSTANLEY HEAD OF BUSINESS DEVELOPMENT GENERALI GLOBAL HEALTH P30

Paul Winstanley: My initial areas of focus are four-fold. The recruitment of experienced and knowledgeable sales staff for the Middle East and Far East regions is one priority. We are expanding our team in these two regions ............

AETNA INTERNATIONAL MOVES TO NEW EUROPEAN HQ P32

Move brings Aetna International’s UK based broker and member servicing teams together in a single, state-of-the-art business location, together with all other functional teams.

INTERNATIONAL AND EXPATRIATE HEALTHCARE AND INSURANCE 2016 iNTERNATIONAL

ND EXPATRIATE P57A H E A LT H C A R E A N D iNSURANCE 2016

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.

ON THE FRONT COVER: Mr. Richard di Benedetto, President, of Aetna International. Mr. di Benedetto has responsibility for one of the largest global health benefits businesses.

Global coverage, reliablity and service. Seeking out new life and new civilisations. No matter how undiscovered and

Globality Health is the international health insurer with a special focus on expatriates. As part of Munich alien your new country may feel, DKV Globality provides you with outstanding healthcare wherever you go.

Health, we give you the strength and security of a leading global primary insurer and reinsurer. Under ÂŽ ÂŽ

With Globality CoGenio and Globality YouGenio we offer internationally operating companies and their

the Munich Health brand, Munich Re pools its primary insurance and reinsurance operations, as well as expatriate staff as well as individuals and their families flexible underwriting solutions, high-level products

related services in international healthcare business.

with comprehensive outpatient, inpatient and dental insurance cover and market leading services around the

Munich Re as a group stands for exceptional solution-based expertise, consistent risk management, globe. Plus the advantage of covering pre-existing diseases in the insurance policy. Trust in our expertise.

financial stability and client proximity. Some 40 million clients in over 30 countries place their trust in the services and security Munich Re provides.

www.globality-health.com

Globality Health means … … feeling at home wherever you are.

Outstanding care for outstanding people. DKV Globality is the international

With Globality CoGenio® and Globality YouGenio® we offer international companies and their expatriate health insurer with a special focus on expatriates. As a member of Munich Health with more than 5,000

staff and individuals and their families, flexible underwriting solutions, high-level products with

experts at 26 locations worldwide we offer innovative healthcare solutions for clients and partners all over

comprehensive outpatient, inpatient and dental cover and market leading services around the globe. the world. As an integral part of the Munich Re Group, we give you the financial strength and security of one of the world’s leading insurers and reinsurers.

Call our experienced consultants at +352 270 444 2201 or visit www.globality-health.com to find out more.

Call our consultants at +352 270 444 2201 or visit www.dkv-globality.com to find out more.

International experts you can trust

As an experienced independent expert, you can trust Bellwood Prestbury to help you set-up and manage robust high-risk cover for individuals or companies, worldwide.

Find out more at

bellwoodprestbury.com/high-risk Bellwood Prestbury Limited, 4 Imperial Square, Cheltenham, GL50 1QB, United Kingdom â&#x20AC;˘ +44 (0) 1242 584 558 Bellwood Prestbury Limited is registered in England no. 1100251. Authorised and regulated by the Financial Conduct Authority (www.fca.org.uk).

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iPOLICY CONTENTS

FEATURED CONTENTS GENERALI GLOBAL HEALTH LAUNCHES NEW INTERNATIONAL HEALTH PLAN| 35

BOLD CHANGES TO NEW ZEALAND HEALTH INSURANCE MARKET | 81

IPMI MAGAZINE SPEAKS WITH IDA LUKA-LOGNONÉ, CEO, ALLIANZ WORLDWIDE CARE | 36

IPMI PLAN LAUNCHED FOR INTERNATIONAL CONTRACTORS | 83

INTERNATIONAL HEALTH INSURANCE PLANS FOR EXPATRIATES AND NATIONALS IN LEBANON | 40

INTERNATIONAL HEALTHCARE PROGRAM FOR GLOBAL EXPATS | 85

TOP-UP HEALTH INSURANCE FOCUSED ON SUPPORTING PEOPLE WITH CANCER | 41

CIGNA GLOBAL HEALTH BENEFITS EXPANDS SALES WITH NEW EXPATRIATE HEALTH INSURANCE PLAN | 87

EMPIRE LIFE SIGNS AGREEMENT WITH METLIFE EXPATRIATE BENEFITS | 42 MSH INTERNATIONAL LAUNCHES FIRST EXPAT+ | 43 PUNTER SOUTHALL HEALTH & PROTECTION LAUNCHES EXPATRIATE BENEFIT SOLUTIONS | 44 AXA PPP HEALTHCARE INTRODUCES NEW COSTEFFECTIVE HEALTH COVER | 47 APRIL INTERNATIONAL UK INTRODUCES 2ND MEDICAL OPINIONS WITH THE LAUNCH OF BEST DOCTORS SERVICES | 48 ANTHEM BLUE CROSS BLUE SHIELD EMPHASIZES BETTER HEALTH | 51 BUPA ARABIA LAUNCHES “TEBTOM” FOR HEALTHCARE ADVICE | 53 CLEMENTS WORLDWIDE LAUNCH OF INTERNATIONAL DISABILITY COVERAGE | 55 NOW HEALTH ANNOUNCE SINGAPORE ENHANCEMENTS | 73 TRADITIONAL FRAGMENTED APPROACH TO EMPLOYEE BENEFITS CREATES CHALLENGES FOR LARGE COMPANIES | 74 AIG RESPONDS TO BOOMING EXPATRIATE POPULATION WITH NEW HEALTH PRODUCT | 76 HEALTH INSURANCE PLANS FOR INDIA-BOUND US CITIZENS | 79

T H E

D E F I N I T I V E

G U I D E

T O

i P M I

ACA COMPLIANT INTERNATIONAL HEALTH PROGRAMS FOR EXPATS | 89 INTERNATIONAL HEALTHCARE PROGRAM FOR GLOBAL EXPATS | 85 APOLLO MUNICH LAUNCHES OPTIMA VITAL AND OPTIMA SUPER | 90 BUPA ARABIA LAUNCHES EXCLUSIVE MATERNITY INSURANCE PROGRAM | 93 CRYSTAL RUN HEALTH PLANS ADDS LARGE GROUP PRODUCTS | 95 COVERAGE FOR THYROID AND PANCREAS MOLECULAR DIAGNOSTIC TESTS | 97 BUPA ARABIA LAUNCHES EXCLUSIVE HEALTH INSURANCE PLAN | 99 ZURICH ANNOUNCE LAUNCH OF FLEXICARE GROUP MEDICAL INSURANCE PLAN | 100

STARR COMPANIES AND AETNA INTERNATIONAL LAUNCH 2 IPMI PLANS FOR PHILIPPINES | 102 VISITOR HEALTH INSURANCE COVERAGE TO CANADA, US, AND MEXICO BOUND VISITORS | 105 IPMI PROVIDER NETWORK DIRECTORY | 111

C O V E R :

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A N D

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AETNA INTERNATIONAL LAUNCHES NEW GLOBAL HEALTH CARE PRODUCTS FOR GROUPS AND INDIVIDUALS

4 LEADING INTERNATIONAL HEALTH BENEFITS PROVIDER AETNA INTERNATIONAL HAS LAUNCHED TWO NEW GLOBAL HEALTH CARE PRODUCTS FOR INDIVIDUALS, FAMILIES AND GROUPS AROUND THE WORLD. AETNA PIONEER IS AIMED AT INDIVIDUALS AND FAMILIES WITH AETNA SUMMIT SUPPORTING GROUP CLIENTS.

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“The design of our exciting new product suite has a central focus on our members’ needs,” said Aetna International President, Richard di Benedetto. (Pictured left)

With a medical network of over 1 million providers in the USA and 165,000 through the rest of the world, Aetna International members (depending on their plan type and level) can access a range of benefits created to support their personal “Aetna Pioneer and Aetna Summit combine health and wellness goals: flexible product features with our deep clinical expertise and personalised in-house service to 4A Healthy Behaviours premium discount for offer a superior experience for our members individuals with a track record of healthy living, wherever they are in the world.” that grows with each year of healthy behaviour up to a maximum of 25% off of premiums; Aetna Pioneer and Aetna Summit offer customers greater simplicity, choice and value 4Country risk info and personal safety protection that are distinctive in the market. Each product from crisis management company, red24; is modular in style with five base plan levels available - Aetna Pioneer/Summit 1750, 2500, 4Support from Aetna’s Care and Response 4000, 5000 and 5000+. Overall annual benefits Excellence (CARE) team to assist members with range from USD 1,750,000 to USD 5,000,000 anything from pre-authorisations to evacuation with the top Aetna Pioneer/Summit 5000+ plan management to hospital navigation and condition aimed at U.S. residents. management programmes, like cancer and diabetes; “The key to fulfilling our mission of building a healthier world is to place our customers at the 4An EAP with telephone counselling support centre of everything we do,” said Richard di and other benefits, for members on company Benedetto. sponsored plans; and “Aetna has evolved into more than a health insurance company, and we are confident that by aligning wellness, protection with a highpersonal-touch service capability we will set the new benchmark for the International Private Medical Insurance industry in supporting the health and wellness of our members globally.”

4Access to a secure member website and mobile app. “The key to fulfilling our mission of building a healthier world is to place our customers at the centre of everything we do,” said Richard di Benedetto.

All plans provide full cover for inpatient “Aetna has evolved into more than a health treatment, cancer care, and emergency medical insurance company, and we are confident that evacuation as standard. Higher-level plans offer by aligning wellness, protection with a highincreasingly more benefits including: personal-touch service capability we will set the new benchmark for the IPMI industry in supporting 4Management of chronic conditions; compassionate the health and wellness of our members globally.” visits by family members; 4Dental and vision; and outpatient paid in full More info: www.aetnainternational.com l for Aetna Pioneer/Summit 5000.

Complementary Worldwide Travel Insurance

Coverage is available for both holiday and business travel.

Contact: Lisa.Kolman@rbipremium.com Website: www.rbipremium.com

BREAKING NEWS

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RBI PREMIUM APPOINTS NON EXECUTIVE DIRECTOR 4RBI PREMIUM IS EXCITED TO ANNOUNCE A NEW ADDITION TO ITS MANAGEMENT TEAM. KIRK AUSTIN JOINED THE BOARD OF IMF TRUSTEES AS A NON-EXECUTIVE DIRECTOR 1ST JAN 2016.

Lloyd's and London markets, Kirk held Chief Executive roles for Willis in Jakarta and Hong Kong. He subsequently spearheaded Lockton's business expansion into mainland China from a Hong Kong base. He has recently concluded 7 years in the Middle East, including executive postings in Bahrain and Qatar. Kirk brings to the table his extensive insurance experience in the UK, Asia and Middle East markets and will have a major role in ongoing product development and corporate client liaison. Rory Blair, Managing Director, Rbi Premium said, “We are pleased to welcome Kirk to the team. His understanding and experience of the market place will prove invaluable as we spread the Rbi message, to deliver excellence through innovation.” Following an early career broking into the

Rbi Premium is the brainchild of a group of financial services professionals with over 60 years experience in the general and life insurance sectors. Having worked extensively in the offshore markets they identified the need for an expatriate membership program, targeting expatriates that would deliver the highest quality health and travel benefits at a cost effective price. l

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www.generali.com

Generali Global Health

Your health means the world to us

Generali Global Health (GGH) offers International Private Medical Insurance to corporations, international organisations and individuals. Backed by the solidity and global footprint of the Generali Group, GGH unite unique and flexible product and benefit options with leading technology, to anticipate our clientsâ&#x20AC;&#x2122; needs anywhere in the world, 24 hours a day, 7 days a week. Through our extensive range of health insurance and wellness solutions, integrated medical support and claims management, we are committed to putting our customers at the centre of the services we provide. For more information on GGH products and services please contact: GGH@generali.co.uk Head Office 100 Leman Street, London E1 8AJ Tel. +44(0)20 7365 6444

BREAKING NEWS

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GENERALI GLOBAL HEALTH BOOSTS SENIOR TEAM WITH NEW HIRES Wednesday, 10 February 2016

4JAMIE MARSHALL JOINS AS CHIEF TECHNICAL OFFICER, PAUL TIDY AS CHIEF OPERATING OFFICER AND PAUL WINSTANLEY, HEAD OF BUSINESS DEVELOPMENT. Jamie Marshall takes responsibility for underwriting, pricing and portfolio governance and joins from Mercer Marsh Benefits where he was a Principal and Head of Actuarial in the Accident & Health practice. Jamie has a wealth of experience, including 13 years of pricing and modelling within the healthcare benefits sector. Before Mercer, Jamie held actuarial roles with Unum, RoyalSun Alliance and Protea Life, and is currently the chairman of the Institute and Faculty of Actuaries Health and Care board. Paul Tidy will lead the development of GGH’s operational and service capabilities focusing on operations, info systems, transformation, insurance and health regulations and compliance. Paul joins from Bupa Global where he spent 19 years in a variety of roles including Head of Operational

Development in the UK and Head of Customer Service Strategy. Before Bupa, Paul worked for Norwich Union (Aviva) and was commissioned in the UK Army. Paul Winstanley joins to lead and build the global business development function across EMEA and Asia. Having previously been Head of Global Corporate at BUPA Global, Paul comes with a proven track record of intermediated sales to the corporate sector. “We are delighted to welcome such an experienced team to GGH as we look to rapidly develop the business across key expatriate locations. All three are proven in their fields and provide the GGH business with a real depth of expertise in the iPMI sector,” said Head of Generali Global Health, Marco Giacomelli. l

EXECUTIVE INTERVIEWS

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IPMI MAGAZINE SPEAKS WITH JAMIE MARSHALL CHIEF TECHNICAL OFFICER GENERALI GLOBAL HEALTH What skills and experience do you bring to GGH? Jamie Marshall: I have considerable actuarial and healthcare experience, both in the UK and International markets, and am currently Chair the Institute and Faculty of Actuaries Health and Care Board. Having recently worked for Mercer Marsh Benefits, I understand the intermediary perspective, which will help GGH to continually shape its proposition and provide appropriate support to our partners. My previous employers include Royal SunAlliance, Unum and Mercer GGH has recently launched a new product – what does that offer over and above the rest of the market? Jamie Marshall: The product is modular in design so clients can choose the out-patient options

they wish to add to the core product benefits. They can then select from a range of additional benefit options to add to these two modules, including such things as maternity, dental and optical care. Benefit limits can also be changed, adding even more flexibility to the product. The premium rating model uses the groups’ average age to create a single adult and child rating structure. This means the premiums are very simple to understand and these are the rates that will apply to any new members joining the group during the policy period. This clarifies costs and simplifies the budgeting process for clients. It also smooths the premiums from large age band increases at renewal, making it much easier for the client to understand. We provide an end-to-end service that is supported by a

global network of medical providers and the latest technology to enhance member experience. Customers and their employees also benefit from our relationship with Europ Assistance, a 100% owned Generali company, who provide assistance support wherever members are in the world. What interests do you have outside of insurance? Jamie Marshall: I “enjoy” marathon running and try to run three or four a year - although not as fast as I would like! I’m a Scotland rugby supporter and like to spend time with my family / ferrying teenagers around and travelling when the opportunity presents itself. l

EXECUTIVE INTERVIEWS

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IPMI MAGAZINE SPEAKS WITH PAUL TIDY CHIEF OPERATING OFFICER GENERALI GLOBAL HEALTH Can you explain how GGH fits in with the rest of the Generali Employee Benefits Group?

IPMI solutions. We have a very close working relationship with, for example, Europ Assistance - one of the world’s largest assistance companies and a wholly owned Generali company. We also have access to a range of insurance licences and supporting services that many IPMI providers would be envious of.

Paul Tidy: We are very much part of the same Generali team, we share offices and clients and even people. GGH’s IPMI proposition radially fits into the GEB proposition as one of the employee benefit options available to clients. We regularly work together to develop tailored For example, when delivering IPMI solutions for customers. an IPMI plan to the maritime industry we can, if clients wish, GGH and GEB have a very include shipborne telemedicine symbiotic relationship that allows solutions. For the extraction us to enhance each other’s industries, we can include access capabilities. to our own clinics in Africa and even arrange for comprehensive How does GGH differ from your medical contingency planning experience at other IPMI arrangements to be put in place, providers? all from within the group. Paul Tidy: GGH is able to exploit As a “new” business within the scale and diversity of the the Generali Group, Generali Generali Group which allows us Global Health has the flexibility to deliver vertically integrated to customise and develop

solutions in conjunction with our clients to a degree that some other providers cannot. If you were sent to work overseas where would you most like to live an expat and why? Paul Tidy: A difficult question but my preference would be somewhere with a challenging and dynamic work environment and ready access to open country and perhaps the sea. For example, my last expat assignment to Denmark ticked all the boxes. So where would I like to be sent next? Putting aside tropical islands (my wife’s preference), I would probably opt for the Middle East; Oman for its beauty or the UAE for its pace. Failing that the USA, preferably somewhere on the eastern sea board. l

EXECUTIVE INTERVIEWS

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IPMI MAGAZINE SPEAKS WITH PAUL WINSTANLEY HEAD OF BUSINESS DEV GENERALI GLOBAL HEALTH What are your initial areas of focus for growing the GGH business? Paul Winstanley: My initial areas of focus are four-fold.

the rest of the world.

and global student markets and will, over the coming weeks and months, be working on successfully launching our new Global Choice product worldwide.

Finally I am working closely with all of my Generali colleagues to explore areas of collaboration and how we can work with other product teams to expand our Where’s the most obscure place opportunities. you’ve been to for a meeting?

The recruitment of experienced and knowledgeable sales staff for the Middle East and Far East How is the GGH business Paul Winstanley: Without regions is one priority. We are developing and have there question it has to be whilst expanding our team in these been any significant ‘wins’ since working for a previous employer two regions and also Eastern you have arrived? when I had a meeting with a Europe. client in a tin hut in Houston! Paul Winstanley: The launch of We have just launched our our product in the UAE has gone new product, Global Choice, in very well and business development the UAE and this has been a activity is really ramping up with priority focus for me in my early quotes turning into wins. We days in the role. This will be are looking at some interesting www.generali.com shortly followed by a launch in opportunities in the maritime

Generali Global Health

BREAKING NEWS

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AETNA INTERNATIONAL MOVES TO NEW EUROPEAN HEADQUARTERS Thursday, 11 February 2016

4AETNA INTERNATIONAL HAS RELOCATED ITS EUROPEAN HEADQUARTERS TO FARNBOROUGH, SURREY, UK. The move brings Aetna International’s UK-based Aetna International is committed to helping broker and member servicing teams together in create a stronger, healthier global community a single, state-of-the-art business location, by delivering comprehensive health care benefits together with all other functional teams. Aetna and population health solutions worldwide. International now has approximately 200 staff working in its Farnborough office. One of the largest providers of international private medical insurance (iPMI), Aetna International “Aetna International has achieved significant serves more than 700,000 members worldwide, milestones during 2015: completing the integration including expatriates, local nationals and business of InterGlobal into the Aetna business; evolving travellers. its customer-centric service model; launching a new global product suite, and now moving to a Its global benefits include medical, dental, single location,” said David Healy, General vision and emergency assistance and, in some Manager for Europe at Aetna International. regions, life and disability. “These developments mean that our major servicing units will be able to work seamlessly together to provide for our brokers and members a more personal, higher-touch experience of dealing with Aetna International.”

Aetna International also offers customized technological and health management solutions for health care systems, government entities and large employers to improve people’s health, enhance quality of care and contain costs. l

“AETNA INTERNATIONAL HAS ACHIEVED SIGNIFICANT MILESTONES DURING 2015: COMPLETING THE INTEGRATION OF INTERGLOBAL INTO THE AETNA BUSINESS; EVOLVING ITS CUSTOMER-CENTRIC SERVICE MODEL; LAUNCHING A NEW GLOBAL PRODUCT SUITE, AND NOW MOVING TO A SINGLE LOCATION,”

www.generali.com

Generali Global Health

Your health means the world to us

Generali Global Health (GGH) offers International Private Medical Insurance to corporations, international organisations and individuals. Backed by the solidity and global footprint of the Generali Group, GGH unite unique and flexible product and benefit options with leading technology, to anticipate our clientsâ&#x20AC;&#x2122; needs anywhere in the world, 24 hours a day, 7 days a week. Through our extensive range of health insurance and wellness solutions, integrated medical support and claims management, we are committed to putting our customers at the centre of the services we provide. For more information on GGH products and services please contact: GGH@generali.co.uk Head Office 100 Leman Street, London E1 8AJ Tel. +44(0)20 7365 6444

BREAKING NEWS

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GENERALI GLOBAL HEALTH LAUNCHES NEW INTERNATIONAL HEALTH PLAN Tuesday, 05 April 2016

4 GENERALI GLOBAL HEALTH, HAS LAUNCHED GLOBAL CHOICE WHICH PROVIDES FLEXIBLE COVERAGE FOR GROUPS WITH AS LITTLE AS 3 EMPLOYEES. Global Choice combines a modular benefit structure with a simpler pricing mechanism that minimises fluctuation in premiums year-on-year. Marco Giacomelli, Head of Generali Global Health said, “Global Choice is designed to fit our client’s and member’s individual healthcare needs and we believe it’s one of the most flexible products on the market today. Our direct payment facility and 24 hour support, seven days a week, provides genuine peace of mind for globally mobile individuals. And the product’s pricing structure adds cost clarity for budget holders.” Global Choice provides international health protection to globally mobile people, wherever they are in the world. Its modular design gives employers the flexibility to tailor their plan around the needs of their workforce. It also allows them to segment their workforce into categories of 3 or more employees, providing more relevant cover across different parts of their group. Customers initially choose from one of three core options - Select, Classic and Premier – with limits ranging from US$1m/€875,000/£650,000 to US$4.5m/€4m/3m. They then choose from one of three out-patient cover options, with similarly increasing benefit limits. Once customers

have chosen their core and out-patient cover, they can boost their plan with extra benefits such as wellness and routine check-ups, fertility treatment, vision care, dental care and pregnancy cover. Global Choice’s innovative pricing mechanism uses a group’s average age to create a single adult and child rating structure that will apply to any new joiners during the period of insurance. For customers this means transparent, stable premiums and more clarity for year-on-year budgeting. Other Global Choice benefits include: Access to a network of over 600,000 medical facilities and the freedom to use a hospital or medical facility of choice Policy benefits are available in three different currencies, US Dollars, Euros or Sterling, with premiums paid in the chosen currency Multilingual, 24/7 contact with medical case coordinators who are supported by a team of doctors and clinical specialists Technology that allows members to access their policies from anywhere in the world, including a member portal and mobile application that provide the ability to carry out tasks from changing policy details to making claims. l

EXECUTIVE INTERVIEWS

IPMI MAGAZINE SPEAKS WITH IDA LUKA-LOGNONÉ, CEO, ALLIANZ WORLDWIDE CARE

Firstly, congratulations on the new appointment at Allianz Worldwide Care, how are you settling in?

years, so there have been no major culture shocks as I’m very familiar with the company. I have strong teams behind me in both Paris and Dublin.

challenges along the way. Moving forward, I will be focusing on expanding our international reputation, and new market entry is of particular interest to me.

Thank you very much. I always think it can take a few months I’ve hit the ground running to settle into a new role, but and my new position as CEO is Prior to the new role, what is I’ve been working within the both exciting and rewarding, your background in the industry? Allianz family for the last fifteen throwing up lots of interesting

37 I have worked in the insurance industry for over 20 years, so whilst itâ&#x20AC;&#x2122;s not where I started my career, itâ&#x20AC;&#x2122;s a sector that has obviously kept me motivated for more than two decades. Before taking on my new role, I was CEO for Europe, Middle East and Africa with Allianz Global Assistance. This position saw me working heavily within strategy, market management and business development, and meant I gained great exposure to international markets. When I came to France from Poland in 1989 I saw what great opportunities there were for Eastern European countries and this really spurred me on as a Polish national. Through my work with Allianz Global Assistance, I brought ideas and concepts to Eastern European markets, one of which was the Corporate Assistance product for expats I have been lucky to have worked in a variety of environments over the years. The fall of the Berlin Wall in 1989 heralded a period where significant inroads into European markets could be made by entrepreneurial individuals. Recognising shifts in the global market is particularly exciting for me as it allows us to bring new concepts and products into play.

What can we expect from Allianz Worldwide Care in the next 12 months when it comes to iPMI?

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health information to healthcare providers. This is an area of real interest to us as we know wearables will benefit those working in developing countries In todayâ&#x20AC;&#x2122;s international market or in particularly hazardous employees want to work in a environments, such as mines variety of different locations. or oil rigs, where technology Over the next 12 months we becomes the ultimate facilitator will be focusing on those workers in helping doctors with on-site in remote or exotic areas where diagnosis. easy access to healthcare may not be available. Looking at We have many priorities for these remote areas, we have the coming year. However, much recognised the huge potential of our focus will be expanding of Asian markets, where a large our geographical footprint and number of expats are already growing our digital capabilities, located. To this end, we launched bringing real benefits to both international plans for individuals our clients and our brokers. The living in China and this is a focus on value added services location where we will continue will also bring that extra dimension to develop our presence and to our offering. expand our relationships with local providers. The world has changed. Technology, consumerism and cost-effective Globally mobile workers can air travel have all driven require quick access to their globalisation. What role does policy details and/or to make a technology play in (a) the dayclaim at anytime and anywhere to-day business; (b) your medical and it is important for Allianz insurance plans; (c) the lives Worldwide Care to be able to of your members; (d) your adapt to the instant needs of broker network? the expat community with instantaneous methods of Technology has impacted on communication. In this regard day-to-day business in a number technology, such as our MyHealth of ways. We have seen noticeable app, has played a key role in shifts in the type of contact we supporting our clients, wherever have with our members and they are in the world. brokers. This includes the way claims are submitted and the We recognise the growing kind of information available to importance of wearables, and members so they know what their benefits in transferring they are covered for.

EXECUTIVE INTERVIEWS

Following the creation of our MyHealth App, we are seeing many clients using this digital platform to submit their medical claims. In the first 12 months alone the app was downloaded over 60,000 times, with more than 100,000 medical claim submissions. Using digital resources allows members to reap the benefits of a service that is tailored to their needs and shows our ability to adapt to an ever changing environment. I would say that technology allows us to offer more value as it provides real and tangible benefits to our clients such as fast access to local emergency services’ numbers on a country by country basis as well as a ‘medical term translator’ showing key medical terms in 17 different languages.

and it’s engrained into everything we do for our members. In today’s globally mobile world, members require access to the highest standards of medical attention and care. Our iPMI plans give expats and their families, no matter where they are in the world, the confidence that their medical needs are being looked after.

We understand that expatriates have flexible lifestyles; therefore we have modular plans which give our members the freedom to choose the level of cover they require. These plans can encompass pre-assignment health checks, vaccinations and day-to-day medical cover; as part of an iPMI plan. Our Corporate Assistance services offer medical care and support for expatriates and business travellers who are Technology is also a very in particularly dangerous important factor in terms of environments or industries. Allianz Worldwide Care’s interaction with brokers. It is Risk is changing. For those vital that we continue to develop organisations operating on a this resource for the benefit of global scale, with a worldwide our intermediaries. expatriate workforce medical inflation and the rising cost of Duty of care is a moral and employee benefits is of major legal obligation. How do Allianz concern. How will Allianz Worldwide Care iPMI plans Worldwide Care address the support the life cycle of rising cost of global healthcare? expatriates, business travellers and remote and mobile specialist The rising cost of global healthcare, workers? which can vary greatly between regions, is a major focus for We take our duty of care international private medical responsibility extremely seriously insurance providers. It was

estimated that medical inflation stood at 8.3% in 2014, compared to 7.9% in 2013. We believe that up to 30% of claims costs can be made up of extras such as unnecessary diagnostic tests, additional nights in hospital etc. However these extras can be mitigated through careful supplier management such as putting access agreements in place with facilities where possible, agreeing charging structures and ensuring that, wherever possible, every in-patient claim is preauthorised before treatment commences. Regionally based doctors facilitate in-patient and outpatient direct settlement agreements with local medical providers and support the Medical Services team by ensuring that proposed treatment and costs are appropriate for the region. Allocating individuals within our Medical Services and Claims teams to specific geographical regions allows us to eliminate unnecessary or excessive charges. These individuals are generally natives of the region they are assigned to, putting them in an ideal position to review and challenge the treatment path and costs proposed. We are big believers in the idea that prevention is better than cure and recognise the long-term cost containment benefits of preventative treatment.

39 Allianz Worldwide Care’s standard international policies contain a range of health and wellness benefits, including routine health checks for the early detection of illness or disease such as cancer screening and cardiovascular and neurological exams. We also cover a range of complementary therapies such as chiropractic treatment, osteopathy and homeopathy. Local health insurance or International Private Medical Insurance - what do you think? By their very nature, international health insurance plans are designed specifically for expats. With their globally mobile lifestyles, iPMI without a doubt offers the best and most comprehensive cover for international workforces, individuals and their families. Whilst local schemes do of course have an important and often crucial role to play, they are, as the name suggests, designed for the local population. By definition, local health insurance offers cover in a single country or region only and is offered in line with local practices and norms. Therefore access is confined to local hospitals or medical facilities, the standards of which can vary hugely across the world. Local health insurance frameworks cannot provide the same level of cover and service

as an expat might expect to receive at home and when considering the options, it’s important to remember that local policies are unlikely to offer cover to expats making a trip back home or to another country. In addition, not all expats are eligible for local cover by virtue of their citizenship. For me therefore, there really is only one option for expats and that’s the option that understands the needs and behaviours of this very specific segment of society - iPMI. Our clients are made up of multinationals operating across countries and continents and that are representative of a multitude of sectors; we have clients operating in challenging or remote regions and we insure truly international work forces and individuals, all of whom have a diverse range of needs.

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and indeed, it is not inconceivable to find them working in tandem. My advice is to look at all health insurance options but ultimately, you want to choose a provider who you can trust when there is a problem and that can offer you access to the best healthcare, wherever you are in the world. Last but not least. If you could live anywhere in the world, at land or at sea, where would it be? I have visited or lived in so many different and interesting places that this question is almost impossible for me to answer, so you’ll have to indulge me as I chose six locations.

Krakow is a city that has always been close to my heart as I spent such a considerable amount of my youth there. Similarly, I was also lucky enough to experience Paris as well as It is because of this diversity Toronto as a young adult – both that international plans transcend places where I spent time borders and because they have studying. been developed for the expat market, iPMI offers additional On the other hand, if I’m after levels of cover not offered by something slightly quieter, there local plans such as expatriation is a very quaint village on the and repatriation and the option French Brittany coast that has of Corporate Assistance services. the most delicious oysters and a beautiful harbour. There is It’s wonderful that we live also a village in the Polish and work in a world filled with mountains where my grandparents choice and both local health came from, which provides the insurance and iPMI should be perfect setting to unwind. l considered on their own merit

BREAKING NEWS

INTERNATIONAL HEALTH INSURANCE PLANS FOR EXPATRIATES AND NATIONALS IN LEBANON Tuesday, 01 March 2016

4LAUNCH OF INTERNATIONAL HEALTH PLANS FOR EXPATS, NATIONALS AND FAMILIES LIVING IN LEBANON. The plans, which have been developed together with local partner, Allianz SNA Lebanon, give clients access to a comprehensive network of healthcare facilities, both in Lebanon and across the Allianz Worldwide Care global network. A choice of four Core Plans is being offered to individuals and their families living in Lebanon. Each offers cashless treatments at a wide range of both in-patient and daycare facilities, together with other benefits such as medical evacuation, full-refund oncology treatment, and rehabilitation treatment. The Core Plans can be supplemented by additional levels of cover such as out-patient, dental, maternity and repatriation. The creation of healthcare plans for individuals was a natural evolution, given Allianz SNA Lebanon’s local expertise and Allianz Worldwide Care’s global reach and reputation for high levels

of service provision. Alexis Obligi, Director of Sales and Marketing at Allianz Worldwide Care said, “Lebanon has a growing population of some 4.5m people together with a globally mobile expat community. In developing the plans, we have been particularly mindful of the cost of cover. We have therefore incorporated a range of deductible options, which will reduce the premium, and clients can choose from two different geographical regions of cover. This, together with the modular design of the plans, makes them amongst the most flexible in the market.” Bassem Assi, Chief Operating Officer of Allianz SNA Lebanon added, “We are a leading health insurance provider in Lebanon, with more than 30 years’ experience in addressing local needs. We are now happy to extend our offering to premium international health cover through the Allianz Group network.”l

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TOP-UP HEALTH INSURANCE FOCUSED ON SUPPORTING PEOPLE WITH CANCER Wednesday, 24 February 2016

4 CANCER ESSENTIALS IS DESIGNED TO PROVIDE MEDICAL, FINANCIAL AND EMOTIONAL SUPPORT ON DIAGNOSIS OF SPECIFIC CONDITIONS. The Essentials range will sit alongside Aviva’s Private Medical Insurance, and signals a new direction in Aviva’s approach to health insurance in the UK, aiming to provide cover for all budgets and across all life stages.

individual. Cancer Essentials is the first in a number of innovative new top-up health insurance products Aviva has planned over 2016 and beyond, targeting customers’ specific health needs.”

Cancer Essentials provides support for adults Dr Doug Wright, Medical Director for Aviva on diagnosis of cancer. Recent research from Health comments, “The NHS does a brilliant job Aviva shows that British adults are more worried of offering an extensive range of cancer services about being diagnosed with cancer than any but financial pressures mean it simply cannot other serious disease1, including dementia/ fund every cancer drug that is available. That’s Alzheimer’s, heart disease or stroke. where Aviva is stepping in. For a low monthly cost, customers have the peace of mind of This is perhaps unsurprising, as the disease knowing that if diagnosed with cancer, they will will affect one in two people born in the UK after benefit from being able to access up to £100,000 19602. Internal data from the insurer shows that worth of additional cancer drugs and treatments, cancer is the single most common cause of should these by requested by the customer’s critical illness claims, further highlighting the NHS specialist. In addition, customers diagnosed prevalence of a disease which can have a with cancer will immediately have access to high devastating impact on families. l quality medical advice and support, provided by GPs and nurse advisers over the phone, as often as they need it. We recognise how devastating a diagnosis of cancer can be, and how crucial it is to be able to access the right information and emotional support, at a time that suits the

BREAKING NEWS

EMPIRE LIFE SIGNS AGREEMENT WITH METLIFE EXPATRIATE BENEFITS Thursday, 18 February 2016

4NEW SERVICE RELEVANT FOR EMPLOYERS WITH SMALL NUMBERS OF EXPATRIATES LOOKING TO EXPAND AND DIVERSIFY THEIR BUSINESS OVERSEAS. The Empire Life Insurance Company (Empire Life) announced it has signed an agreement with MetLife Expatriate Benefits to administer its new Voyageur Global Benefits program for expatriate medical, disability, and life insurance.

MetLife Regional Service Centre model. Located in key areas around the world, this puts local resources closer to members while on assignment. Experienced staff provides local expertise and understanding of regional differences, making it easier to obtain quality medical care, get “We’re delighted to be launching Voyageur services paid, and receive local support. Global Benefits and working together with MetLife. With nearly 60 years in the market, they “Working abroad can be both exciting and have vast experience when it comes to expatriates challenging for expatriates and their families,” benefits,” said Steve Pong, senior vice-president, said Dan DeKeizer, senior vice president, Global Group Solutions at Empire Life. “MetLife Employee Benefits, MetLife. “With Voyageur administers the employee benefits of thousands Global Benefits, customers will have access to of expatriates around the world. They have the more than a million healthcare providers in over breadth and depth of experience required to 180 countries, which helps deliver peace of mind deliver the service excellence that both of our no matter where they are in the world. We are organizations are known for.” very pleased to be working with Empire Life, and together, look forward to bringing innovative The number of Canadians living abroad has solutions to the Canadian market.” l increased substantially in the past two decades, which has increased demand for expatriate (1) Courtesy APF Canada 2011. (2) Voyageur Global Benefits will be available in Quebec at a later benefits. Recent reports estimate 2.8 million date. Canadians are living abroad.1 Voyageur Global Benefits will offer worldclass benefits for Canadians working abroad.2 A key feature of this new suite of benefits is the

MSH INTERNATIONAL LAUNCHES FIRST EXPAT+ Monday, 25 January 2016

4MSH INTERNATIONAL LAUNCHES EXPATRIATE HEALTH INSURANCE PLAN. This product offers worldwide coverage for all expatriates including US citizens under the age of 71. “After months of internal consultation, brainstorming and competitive analysis, FIRST EXPAT+ has arrived and it is one of the best in its class,” says Philippe de Dreuzy, President and CEO at MSH INTERNATIONAL (Canada). “The new MSH portal offers flexible and affordable coverage through a simple and user-friendly process,” comments Fabrice Tuffigo, Marketing & iPMI Sales Director. “Brokers can display FIRST EXPAT+ on their website: clients will

be automatically redirected to a customized quotation page with the broker’s reference attached. This way we can track quotes and enrollments generated by each partnered broker.” The core plan includes Hospital Care covered at 100%, Routine Healthcare, Legal Assistance and ThirdParty Liability. Optional benefits can then be elected in order to enhance the core plan, and a choice of deductibles are available to reduce the insurance premium. l

iNTERNATIONAL AND EXPATRIATE HEALTHCARE AND INSURANCE 2016 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.

DO YOU KNOW? WHAT YOUR COMPETITORS ARE DOING IN 150 COUNTRIES? WHICH COMPETITORS ARE PRESENT OR HAVE PLANS IN 150 COUNTRIES? WHICH COUNTIES HAVE OR PLAN UNIVERSAL HEALTHCARE? WHICH COUNTRIES HAVE OR PLAN COMPULSORY HEALTH INSURANCE? WHICH COUNTRIES DO NOT ALLOW PMI OR IPMI LOCALLY? WHICH COUNTRIES HAVE THE MOST EXPATRIATES AND THE KEY SOURCE COUNTRIES? WHAT INSURERS ARE BUYING OR SELLING OR LEAVING OR ENTERING COUNTRIES? WHICH SPECIAL RULES APPLY TO EXPATRIATES IN 150 COUNTRIES? WHERE INSURERS ARE ALLOWED TO OFFER TOP UP TO THE STATE OR COMPULSORY COVER? WHICH GULF OR EUROPEAN OR AMERICAN COMPANIES COULD BE STRONG LOCAL RIVALS? IF YOU STRUGGLE TO ANSWER ALL OR MOST OF THESE QUESTIONS YOU MAY NEED A READY REFERENCE THAT ANSWERS THESE QUESTIONS PLUS MORE. ENTER: INTERNATIONAL AND EXPATRIATE HEALTHCARE AND INSURANCE 2016, THE BRAND NEW REPORT FROM INDUSTRY ANALYST IAN YOUNGMAN, ACII.

BREAKING NEWS

PUNTER SOUTHALL HEALTH & PROTECTION LAUNCHES EXPATRIATE BENEFIT SOLUTIONS Wednesday, 20 January 2016

4NEW SERVICE RELEVANT FOR EMPLOYERS WITH SMALL NUMBERS OF EXPATRIATES LOOKING TO EXPAND AND DIVERSIFY THEIR BUSINESS OVERSEAS. Punter Southall Health & Protection has launched Expatriate Benefit Solutions, a unique service to support employers with expat staff. The new service is especially relevant for employers with small numbers of expatriates looking to expand and diversify their business overseas and is provided in association with Healix International, Morneau Shepell, and Bupa Global.

cultural training and expat EAP and international medical insurance. Pre-assignment screening is provided by Healix International, using a simple online health questionnaire which is completed for all family members and assessed by a medical team. This is then used to determine if employees or their dependants have any underlying health issues or conditions to enable the right support to be put in place before an assignment starts.

Teresa Wighton, Head of International Healthcare Consulting, Punter Southall Health & Protection, says, “A successful international assignment needs careful consideration, planning Jon Atkins, Director of Business Development, and substantial resources. The average cost of Healix International, says “Many of the illnesses an assignment can be significant and failure can and health related problems suffered by business therefore not only be costly, but also result in travellers and expatriates while overseas are reputational damage for the company and the both predictable and preventable. With the loss of valuable employees. Our new service experience we have gained through the 12 million helps reduce these risks and provides employers medical screenings we carry out each year, we with the valuable support services that can help are able to provide a comprehensive and cost employees and their families settle into a new effective online solution for assessing the health environment.” risks facing employees and their dependants.” The service comprises three inter-related components - pre-assignment screening, a

The cultural training and expatriate employee assistance programme is provided by Morneau Shepell and is aimed at helping employees settle into a new work environment and help their families adapt to their new lives. It comprises: A three-hour cultural training programme where employees learn skills and knowledge to live and work effectively within a different culture, and families learn how to communicate around feelings regarding the international assignment. A unique employee assistance programme (EAP) tailored specifically to support the needs and challenges facing expatriates. The service is 24/7 and provides access to 250 expatriate counsellors in over 70 countries, who all have personal expatriate experience. Richard Albert, Vice President, Global Business Development at Morneau Shepell, says: â&#x20AC;&#x153;We are a leading and experienced expatriate EAP provider that has the unique understanding of the psychosocial impact of international relocation

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on diagnosis and treatment of problems. This clinical understanding enables us to effectively address expatriate problems and the spill over of these into the workplace. We also take a dual mandate, not only to provide short-term solutionfocused counselling support, but also to sustain expatriates while on assignment.â&#x20AC;? Bupa Global is providing the international medical insurance for this new service. Ian Abbott, Head of Intermediary Distribution UK, Bupa Global, says: â&#x20AC;&#x153;Punter Southall Health & Protection partnered with Bupa Global to develop international medical insurance plans that fit the needs of expatriates wherever they are in the world. The products are available exclusively to clients of Punter Southall Health & Protection and are designed to give the ultimate assurance and peace of mind when sending employees and their families overseas. They provide cost effective, benefit rich cover, supported by a range of on-line services and 24/7 helpline advice and support. l

BREAKING NEWS

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AXA PPP HEALTHCARE INTRODUCES NEW COSTEFFECTIVE HEALTH COVER Tuesday, 15 December 2015

4AXA PPP HEALTHCARE IS NOW OFFERING BUSINESSES A NEW APPROACH TO SECURING AFFORDABLE HEALTH COVER. Benefiting employees who are not covered by ‘traditional’ medical insurance, AccessHEALTH focuses on early intervention and support and, in turn, helps employers tackle key health risks to productivity in their business such as musculoskeletal conditions and mental ill health.

available from 01 January 2016, AccessHealth has: NO exclusions for pre-existing medical conditions; NO excess to pay; NO ‘qualifying period’ to use the benefits.

And it comes with two cover level options, Core Chris Horlick, Distribution Director at AXA and Plus. PPP healthcare, said, “For organisations who want to safeguard their employees’ health but CORE LEVEL INCLUDES: are unable to provide full medical insurance for the whole workforce, AccessHEALTH provides Online private GP appointments from AXA cost-effective access to expert healthcare without PPP healthcare’s Doctor@Hand service, delivered any delays and engages people in their own by Doctor Care Anywhere (up to three consultations wellbeing. per membership year) Mental health counselling – telephone support, “As well as bringing a highly valued benefit to with five face-to-face counselling sessions where workers who, ordinarily, would not have the clinically appropriate benefit of company-paid medical insurance cover, Musculoskeletal – over-the-phone guidance AccessHEALTH will help employers to keep their plus ten physiotherapy, chiropractic or osteopathy workforce active and healthy and, if they should sessions (per membership year) become ill or injured, provide early access to 24/7 telephone access to AXA PPP’s dedicated investigation and treatment of the two biggest team of nurses, midwives and pharmacists for causes of sickness absence – musculoskeletal support with any medical matter or concern conditions and psychological issues.” Health Gateway – the proactive health portal that provides an intelligent personaised approach Designed for schemes of 100+ employees and to health risk management. l

BREAKING NEWS

APRIL INTERNATIONAL UK INTRODUCES 2ND MEDICAL OPINIONS WITH THE LAUNCH OF BEST DOCTORS SERVICES Wednesday, 09 December 2015

4 ALL NEW APRIL INTERNATIONAL UK INTERNATIONAL PRIVATE MEDICAL INSURANCE POLICIES NOW COME WITH AUTO MEMBERSHIP OF BEST DOCTORS The service is made up of some of the best service. medical minds around the world. These experts are on hand to offer a second opinion on a The Best Doctors panel is assembled following diagnosis, course of treatment or even just to peer group nominations from around the world suggest the kind of questions friends or family – to qualify for inclusion, fellow doctors are may wish to ask the medical specialists, so they invited to nominate the best specialist in a given too have a clearer understanding about the field, the individual with the highest number of implications of diagnosis and treatment. peer nominations then becomes the Best Doctor in that discipline. As the Best Doctors panel is Your health is your number one priority, drawn from all over the world, its members especially when you are living and working really do represent the global cutting edge of abroad. But if you are unlucky enough to fall ill medical experience and knowledge. and have to see a doctor or be referred to hospital, just how many of us really understand our And once you scratch the surface, the logic diagnosis or what is involved in an operation or and appeal of getting a second medical opinion what the implications of a course of treatment becomes ever more powerful. Because falling are? Add in to that the implications of falling ill ill is a private and personal matter, it is unlikely in a country where English might not be the first many of us will hear how valuable it can be, language and the importance of you or your unless the person concerned is a celebrity and family being able to access a second professional unless they decide to go public. That was precisely medical opinion becomes clear. the case with singer Kylie Minogue’s diagnosis of breast cancer a few years back. Initially given That’s why APRIL International UK, the specialist the all clear prior to starting the Australian leg provider of international private medical of her Showgirl tour following a routine breast insurance, has teamed up with the Best Doctors cancer scan, Minogue took the unusual decision

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Medical Health Insurance News

of her Showgirl tour following a routine breast emergence of new thinking on treatments, cancer scan, Minogue took the unusual decision especially if that knowledge is drawn from an of asking for a second opinion and it may well international context. The idea that this “must have saved her life, as cancer was detected, once be the right treatment, because that is what we she was re-checked. have always done” should always be challenged, if progress is to be made. It’s not just for major operations that a second opinion could be valuable – any medical intervention APRIL International UK’s Business Development where the expectation cannot be for a full Director Joe Thomas comments, “Best Doctors recovery merits a second look. Sports injuries represents radical new way to empower the are a good case in point – if an operation can patient and tip the balance back in favour of the be avoided, significant risk is removed from the most vulnerable party. APRIL International UK treatment. is the first major international private medical insurer to offer the service free as a part of all Second opinions can also encourage the new policies sold.” l

BREAKING NEWS

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ANTHEM BLUE CROSS BLUE SHIELD EMPHASIZES BETTER HEALTH Thursday, 29 October 2015

4ANTHEM BLUE CROSS AND BLUE SHIELD (ANTHEM), IS BRINGING $0 PREMIUM MEDICARE ADVANTAGE PLANS. As Medicare’s primary sales season gets under way, Anthem Blue Cross and Blue Shield (Anthem), is bringing $0 premium Medicare Advantage plans – with extra benefits – back to Denver and Douglas counties in Colorado through provider collaboration agreements with Centura Health, UCHealth and University of Colorado School of Medicine Doctors (CU Doctors). This includes launching Dual-Eligible Special Needs Plans (DSNPs) for people eligible for both Medicare and Medicaid, and traditional HMOs for the general population. For a $0 premium, Anthem Medicare Advantage Prescription Drug (MAPD) plans offer significant benefits not available in Original Medicare, including $0 copays for preventive dental, vision and hearing benefits and a free fitness program.

Following are some specifics on Anthem MAPD plans that will be available for the Annual Election Period, or AEP, which began Oct. 15 and continues through Dec. 7. Plans are effective Jan. 1, 2016. MAPD market return. Anthem’s new MAPD offerings include a traditional HMO plan, called Anthem MediBlue Plus (HMO), and a Dual-Eligible Special Needs Plan (DSNP), called Anthem MediBlue Dual Advantage (HMO SNP), in Denver and Douglas counties. Both plans are available for a $0 premium.

DSNPs serve those beneficiaries eligible for both Medicaid and Medicare. They are the largest and fastest growing type of the special needs plans. The Colorado DSNP features dental, vision and hearing benefits, podiatry services, transportation to doctor’s appointments, a free “Even with the Medicare reimbursement fitness program and a monthly allowance for environment changing, we think it’s critical to health care items purchased over the counter, structure our plans to provide our members such as cold and allergy products, dental products with real value over Original Medicare, including and vitamins, all at no extra cost to the member. extra benefits and strong local alliances,” said “We pride ourselves in being one of the nation’s Josh Martin, president of Anthem’s Medicare only insurers that can offer a full continuum of west region. Medicare products, including something for every budget and lifestyle,” Martin said. l

International Insurance Specialists

International Healthcare

Travel Insurance

Life Insurance

Income Protection

www.expatriategroup.com

BREAKING NEWS

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BUPA ARABIA LAUNCHES “TEBTOM” FOR HEALTHCARE ADVICE Thursday, 29 October 2015

4BUPA ARABIA HAS LAUNCHED FOR THE FIRST TIME IN THE KINGDOM, “TEBTOM”, GOING IN LINE WITH THEIR NEEDS AND REQUIREMENTS Part of the program is to provide advice and guidance on various health conditions or queries free of charge. Bupa Arabia has placed over 160 doctors to support the program, affirming the leading role Bupa Arabia takes in order to provide a niche and exclusive innovations in the world of healthcare and wellbeing. Mr Arif Hunashi, Chief Operating Officer at Bupa Arabia stated, “We, at Bupa, always strive to provide the best healthcare for you and your family and do not limit ourselves to merely providing the best high-quality health insurance services, but we go beyond - seeking to provide you with holistic healthcare in your daily lives.”

services; to help you and your family get the most out of your social and professional lives. Upon joining our community through any of our healthcare programs, you will be automatically eligible for “Tebtom” program services, and without any additional fees. Tebtom will be your health companion wherever you are,” concluded Mr Arif.”

Bupa Arabia started in 1997 as a joint venture with Nazer Group. Today, With over 2 million + members Bupa Arabia is one of the largest health insurers in the Kingdom of Saudi Arabia, meeting the insurance needs of individual clients, Families as well as some of the Kingdom’s largest companies. Under insurance regulations, Bupa Arabia evolved Any member can benefit from “Tebtom” its business from a joint venture to a publicly program by calling the toll-free number 800 440 listed company offering cooperative health 4040 and Bupa Arabia doctors will be glad to insurance. In 2008, Bupa Arabia offered 40% of assist in inquiries and provide “Tebtom” program its shares to the public in the most successful services ranging from: Bupa Doctor, International IPO ever floated for an insurance company in Second Medical Opinion, Maternity Care, Child KSA, one that was oversubscribed by more than care, Chronic disease care, Elderly care and 900%. This success is consistent with Bupa Cancer care. Arabia’s reputation as a leading provider of quality healthcare and world-class services – a “That is why we created “Tebtom” program, reputation further enhanced by several awards a set of unprecedented and unique healthcare and industry recognitions. l

BREAKING NEWS

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CLEMENTS WORLDWIDE LAUNCH OF INTERNATIONAL DISABILITY COVERAGE Wednesday, 21 October 2015

4 CLEMENTS WORLDWIDE IS NOW OFFERING HIGH-LIMIT, LOSS-OF-INCOME COVERAGE FOR PROFESSIONALS ABROAD. Clements International Disability insurance has no exclusions for acts of political violence including civil unrest, riots, or war and terrorism, providing the right protection for expatriates living in today’s complex geopolitical climate. This border less coverage, offered in collaboration with Lloyd’s of London, is specifically designed for the unique risks of individuals working abroad and protects their income if an accident or illness prevents them from performing their occupation.

and many are not protected against that likely eventuality. Our best-in-class coverage provides for lost wages and the costs of the medical treatment, even if the disability was caused by political violence, war or terrorism.”

In developed nations, statistics show that 25% of professionals face disability at some point in their career. For expatriates, government workers, contractors, non-profit or international organization employees working challenging jobs in high-risk countries, this number is likely to be much higher.

“We have heard from our customers working in Africa, Asia and the Middle East that they are turned down when they apply for high-limit disability insurance because of their location,” said Beck. “This product was specifically designed to cover the unique needs of professionals working outside of their home country.”

“Too many people underestimate the chances of becoming disabled during their professional careers,” stated Chris Beck, President of Clements Worldwide. “Most global executives, high-income professionals and international workers have become educated about the importance of having life insurance to protect their beneficiaries, but a disability during prime working years can be more crippling to individuals and their families,

“Particularly for high-wage earners, securing disability insurance must be a part of proper financial planning to ensure peace of mind for them and their families,” explained Beck.

The International Disability insurance program offered by Clements features both temporary and permanent options. Both options offer highlimit benefits to address the needs of internationallybased individuals, ensuring protection and a safeguard that guarantees their lifestyle is secure should anything happen. l

Pacific Cross is more than just insurance. Pacific Cross provides peace of mind.

Pacific Cross Insurance brings over 65 years of experience in the health and travel insurance industry to clients throughout Asia.

STANDARD INTERNATIONAL PLANS

COMPREHENSIVE INTERNATIONAL PLANS

MAJOR MEDICAL INTERNATIONAL PLANS

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

”THE 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 INSURANCE LAW IN OVERSEAS COUNTRIES IS IMPOSSIBLE.”

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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iPMI Magazine subscribers enjoy complete access to this exclusive report for just £1100. Other major retailers will be charging £1300, once it goes on sale else where.

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ROUND TABLE SESSIONS | OCTOBER 2014

OUT NOW

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iPMI VS LOCAL HEALTH INSURANCE EXCLUSIVE INTERNATIONAL HEALTH INSURANCE C-SUITE EXECUTIVE COMMENTARY FROM GLOBALITY HEALTH, ALC HEALTH, GEOBLUE, AND CIGNA GLOBAL

BREAKING NEWS

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iPOLICY

NOW HEALTH ANNOUNCE SINGAPORE ENHANCEMENTS Thursday, 15 October 2015

4NOW HEALTH INTERNATIONAL AND TENET SOMPO INSURANCE HAVE ANNOUNCED FURTHER ENHANCEMENTS TO THEIR SINGAPORE PRODUCT Now Health International and Tenet Sompo Insurance have announced further enhancements to their Singapore product, in addition to the product and premium review on 1 August.

their coinsurance options discount and a facility for Singapore based members to pay premiums in their local currency.

Now Health’s General Manager, Singapore, The introductory discount for new individuals Rob McIntyre says, “With the improvements and families has increased from 10% to 15% for that we made in August and the ability for customers that purchase a policy before the end members to pay their premiums in Singapore of the year. New groups with between 7 and 24 Dollars, these changes will have a positive impact employees will see additional benefit from even for our customers. We believe that our proposition more competitive pricing. is one of the most competitive in the market today.” l During the last six weeks Now Health has also launched a No Claims Bonus, improvements to

MORE INFO

Discover Aetna International’s NEW Pioneer & Summit global health care plans Choice We provide cover for inpatient and outpatient care, dental treatment and hospitalisation to name a few.

Control Let your employees take charge of their health with tools that fit with their busy lifestyle, like our Online Health Assessment.

Care

Comfort We’ll help to keep your employees and their family safe with resources to manage their personal safety if they’re outside their home country.

Convenience Wherever your employees are in the world, they can count on our web and mobile technology to keep our services and support within reach.

Our team of specialised clinicians and multilingual case managers are available 24/7/365 to support your employees no matter where they are.

Isn’t it time your international employees receive robust health care solutions, anytime, anywhere? Learn more at aetnainternational.com Or call the team on +44 (0) 870 442 2676

Aetna® is a trademark of Aetna Inc. and is protected throughout the world by trademark registrations and treaties.

BREAKING NEWS

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iPOLICY

TRADITIONAL FRAGMENTED APPROACH TO EMPLOYEE BENEFITS CREATES CHALLENGES FOR LARGE COMPANIES Wednesday, 07 October 2015

4ZURICH INTRODUCES “ZURICH INTERNATIONAL PROGRAMS FOR EMPLOYEES”, A NEW STATE-OF-THE-ART INTERNATIONAL EMPLOYEE BENEFITS SOLUTION. Hanno Mijer, Global Head of Corporate Life & Pensions at Zurich, said, “People risk is “Zurich International Programs a key part of the risk landscape. for Employees”, which will be In General Insurance, we have In a globalized world, the launched in 2016, meets those delivered international programs traditional fragmented approach needs. It allows multinational for more than 40 years. Now to employee benefits creates companies to manage their we are using this knowledge many challenges for large employee benefits coverages and the infrastructure with our companies. In dealing with a through a single global program, multinational employee benefits number of different providers combining local policies with customers, giving them a truly globally, it is difficult to centralize cross-border policies to simplify holistic view of their risks.” l control and risk management, program structure. This enables as well as take advantage of the companies to take a holistic potential cost efficiencies of approach in offering benefits their global scale. Multinational solutions to their employees. It companies and their employee also provides companies with benefit consultants are therefore a single view of their global looking to reduce complexity benefits programs, with central and costs while also ensuring data and report provision. that they have the appropriate level of coverage in place and Its centralized approach to managing employee benefits offers a holistic view of risks that multinationals face.

that it is aligned with local regulation.

BREAKING NEWS

AIG RESPONDS TO BOOMING EXPATRIATE POPULATION WITH NEW HEALTH PRODUCT Friday, 02 October 2015

4WITH THE NUMBER OF PEOPLE WORKING ABROAD SOARING AND A SIGNIFICANT MAJORITY FAILING TO TAKE ADEQUATE PROTECTION AGAINST THE HEALTH RISKS THEY WILL FACE, AIG IN THE UK HAVE ANNOUNCED THE LAUNCH OF ITS EXPATRIATE CARE PRODUCT.

77 Aimed at organisations headquartered in the UK with expatriate employees across the globe, Expatriate Care is designed to provide scalable, cost effective solutions for businesses of any size, from SMEs through to large corporates, Expatriate Care programs can be set up with as few as five employees with previous medical history disregarded. The globally mobile population has grown dramatically. There are over 50 million expatriates, and by 2020 this will be 60 million. 232 million people now live away from their country of birth. Between one in two and one in three expatriates has no international health insurance, although a minority is covered by domestic health insurance. Several countries seek to get expatriates and migrants to pay for healthcare or have compulsory health insurance.1 AIG has partnered with Henner, to create a truly global expatriate programme that offers superior medical care and straightforward administration. This offers access to Henner’s network of more than 35,000 medical providers in more than 160 countries, with

discounts and direct billing arrangements available. The policy also offers the flexibility to add a new provider if a client has a unique location request and employers benefit from negotiated rates that allow for strong cost containment across their expatriate programme. AIG’s Expatriate Care employees have access to Medical Second Opinion – a service that provides an additional consultation with an international specialist, following an initial medical diagnosis from a local doctor. Members also receive access to MyHealthPortal, a virtual health clinic providing access to British based medical support, free of charge. Dedicated team of UK nurses is available 24/7 via webcam, phone and SMS messaging to discuss everything from the common cold to serious illness. The portal also serves as a hub of up-todate health advice and information and offers support for patients about to undergo or rehabilitating from surgery. International And Expatriate Healthcare And Insurance 2014 Report l 1

DO YOU KNOW? WHICH US INSURER HAS A CENTRAL EUROPE SERVICE CENTRE, AND WHERE IS IT? WHICH US INSURER HAD HORRIFIC LOSSES IN ONE SOUTH AMERICAN COUNTRY AND WHAT WAS IT? WHO BOUGHT THE IPMI BOOK OF BEST DOCTORS, AND WHAT DID THEY NOT BUY? NAME TWO GLOBAL IPMI COMPARISON SITES? WHICH COUNTRY’S NEW YEAR PRESENT TO CITIZENS TOOK AWAY THEIR FREE HEALTH INSURANCE? WHICH COUNTRY BROUGHT IN COMPULSORY HEALTH INSURANCE FOR TRAVELLERS, AND WHAT ARE THE EXCEPTED CLASSES? WHICH COUNTRY MAKES IT ALMOST IMPOSSIBLE FOR EXPATS TO LEAVE THE STATE HEALTH INSURANCE SYSTEM? IN WHICH COUNTRY CAN LOCAL EMPLOYERS BE EXCUSED FROM INSURING EXPATS IN THE STATE HEALTH INSURANCE SCHEME ONLY IF THEY HAVE LESS THAN 5 EXPAT WORKERS? WHICH COUNTRY HAS STREET PATROLS THAT CAN FINE PEOPLE WHO HAVE NO HEALTH INSURANCE? WHICH INSURER WILL LAUNCH A NEW FIVE- YEAR PLAN IN JUNE? IF YOU STRUGGLE TO ANSWER ALL OR MOST OF THESE QUESTIONS YOU MAY NEED A READY REFERENCE THAT ANSWERS THESE QUESTIONS PLUS MORE. ENTER: INTERNATIONAL AND EXPATRIATE HEALTHCARE AND INSURANCE 2016, THE BRAND NEW REPORT FROM INDUSTRY ANALYST IAN YOUNGMAN, ACII.

MORE INFO

AntaĂŠ

Architect of international mobility solutions

International companies & organisations

NGOs

International schools

www.antae.ch

International students in Switzerland

BREAKING NEWS

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iPOLICY

HEALTH INSURANCE PLANS FOR INDIA-BOUND US CITIZENS Thursday, 01 October 2015

4INDIA NETWORK HEALTH INSURANCE ANNOUNCED NEW PLAN OPTIONS FOR INDIA-BOUND VISITORS THIS HOLIDAY SEASON. India Network now offers accident and sickness nationals visiting India. In the first six months of insurance plans for world-wide travellers, 2015, about 5,778 US citizens utilized e-tourist irrespective of the destination. visa facility offered by Government of India, and this number is increasing every month since In recognition of the fact that the Government inception of e-tourist visa program. However, of India now offers visas on arrival for US citizens there appears to be a void in providing high visiting India, it is expected many more US citizens quality insurance coverage for US citizens while are likely to be visiting famous Indian tourist travelling to India. The new plan announced spots such as the Taj Mahal. However, medical today will help these India-bound visitors with facilities in India vary quality; to serve this need, high quality insurance coverage that is offered India Network teamed with GeoBlue to offer a by one of the most trusted brand of health plan that would help US citizens while travelling insurance companies, Blue Cross Blue Shield of in India with any medical problems or accidents. America. The GeoBlue program offers a network of high quality medical facilities in India that meet US One requirement of this program is that the standards for treatment and offer medical applicants must carry a valid health insurance evacuation in case of need. coverage in the United States. In 2014, about 7.7 million foreign tourists arrived in India, a jump of more than 10 percent from the 2013. The increase in foreign tourists can be attributed to the government policies to ease travel to India and an e-travel visa facility for citizens of more than 113 countries worldwide. About 1.1 million United States citizens visited India during 2014, which tops the list of foreign

Dr. KV Rao, Founder President of India Network stated that the recent welcome mat offered by the Indian Government is likely to contribute to a greater number of US citizens exploring India. The e-travel visit visa program makes travel to India easy for citizens of the eleven participating countries. l

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BOLD CHANGES TO NEW ZEALAND HEALTH INSURANCE MARKET Thursday, 01 October 2015

4NEW PRODUCT LIFTS MEDICAL COVER TO $500,000, WITH DISCOUNT REGIME TO MAKE THEIR INSURANCE PRODUCTS MORE AFFORDABLE. AIA enhancements to its personal product range, greater the discount that is available,” Cameron include launching a new health product that lifts says. medical cover to $500,000, with a discount regime to make their insurance products more The two initiatives, taken together, will increase affordable for customers. the number of New Zealanders gaining access to the latest life-saving drugs and treatments, The new Real Health product introduces new she added. $500,000 limits on surgical and nonsurgical treatments, including new generation, non“These new drugs and treatments are coming Pharmac treatments for cancer, such as the to market quickly and although there is uncertainty innovative immunotherapy treatments, that are around when and how much they will cost, we otherwise unaffordable for the average New can be sure that costs will continue to rise,” Zealander. comments Cameron. “The insurance industry is about effectively managing risk and we are Chief Executive Natalie Cameron says, “Our introducing this new product now in the expectation new Real Health policy directly addresses the that New Zealanders will need that level of affordability issues for these new treatments, support in the near future.” but we’re also moving to address the general affordability of insurance cover for the average AIA is an publicly listed pan-Asian life insurance New Zealander by introducing a generous discount group. It has a presence in 18 markets in Asiaregime on premiums.” Pacific with branches and subsidiaries in Hong Kong, Thailand, Singapore, Malaysia, China, Korea, AIA customers who purchase the Real Life the Philippines, Australia, Indonesia, Taiwan, policy together with other insurance policies Vietnam, New Zealand, Macau, Brunei, a 97 per receive an escalating discount per extra policy. cent subsidiary in Sri Lanka, a 26 per cent joint venture in India and a representative office in “The more policies that are bundled up, the Myanmar and Cambodia. l

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IPMI PLAN LAUNCHED FOR INTERNATIONAL CONTRACTORS Friday, 11 September 2015

4NEW INTERNATIONAL MEDICAL EXPENSES PLAN SPECIFICALLY DESIGNED FOR THE INTERNATIONAL CONTRACTOR SECTOR. Andrew Apps, Head of Global Healthcare at Bellwood Prestbury International commented “By bringing together a choice of comprehensive cover benefits and affordable premiums, this unique programme recognises the demands and requirements of the global contractor by packaging The plan has been designed to fill an important each element under a single proposition.” void for the many self-employed and small groups of employees who are often faced with a The International Contractors Plan is ideal for combination of high premiums and insufficient anyone looking for either short or long-term cover when trying to arrange cover. cover, and has the advantage of providing cover between assignments, so removing the need to Whether onshore or offshore, the International reapply for cover and facing potential underwriting Contractors Health Plan offers a range of tailored issues every time a new job comes along”. medical insurance solutions for people working in the Oil & Gas, Energy, Telecommunications, With a dedicated web site at www. Technology and Associated sectors bellwoodprestbury.com/pmicontractors, instant quotes available online and fast moratorium Offering a choice of three levels of cover underwriting acceptance, the International available for periods of 3, 6, 9 or 12 months, Contractors Plan has been designed to be easy every policy includes as standard 24/7 Emergency to understand, straight forward to buy and simple Medical Evacuation (CEGA Assistance), 24/7 Crisis to use. l Management Assistance (Red24) and Global Blood Transfusion support (Blood Care Foundation), making it particularly ideal for anyone working in difficult or remote areas where medical treatment may be limited or hard to access.

Medical Health Insurance News

Specialist global insurance intermediary Bellwood Prestbury have, in partnership with APRIL international, launched a new international medical expenses plan specifically designed for the international contractor sector.

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The top three reasons for expatriate relocation are as follows: 01 Education 02 Employment 03 Relationship

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INTERNATIONAL HEALTHCARE PROGRAM FOR GLOBAL EXPATS Friday, 04 September 2015

4 ONEWORLD PLATINUM AND ONEWORLD GOLD ALLOWS INDIVIDUALS TO BE COVERED THROUGHOUT THE ENTIRE WORLD. WellAway Limited, a leader in innovative healthcare programs for expatriates, has launched OneWorld, an international healthcare program, which allows individuals to be covered throughout the entire world. There are two main programs in which clients can enrol in, OneWorld Platinum and OneWorld Gold.

the USA, Switzerland, Japan, Bahamas, and Canada.

Both programs can be combined with WellAway Limited’s popular La Vie à l’Etranger, which is a program designed to meet the needs of French expatriates residing across the globe, providing seamless and cashless Caisse des Français de “At WellAway we take pride in providing our l’Etranger (CFE) integration. members with the latest and best products in the healthcare industry,” said Griselle Chernys, Additionally, these programs can be purchased CEO of WellAway Limited. “With our new with additional components such as maternity, OneWorld products, we are able to continue to dental, and vision coverage. l serve our members and provide them with an exceptional health care program, and keep them healthy wherever their travels or work may take them.”

OneWorld provides flexible plans dependent upon geographic location, coverage needs, and expenditure allowance. There are two main, customisable programs available to consumers – OneWorld Platinum and OneWorld Gold. Within each program, members can choose one of two options: a) to be covered in the USA, Switzerland, Japan, Bahamas, and Canada, or b) to be covered everywhere else around the world, except for

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CIGNA GLOBAL HEALTH BENEFITS EXPANDS SALES WITH NEW EXPATRIATE HEALTH INSURANCE PLAN Thursday, 03 September 2015

4 CIGNA AFRICA PRODUCT DESIGNED FOR EXPATRIATE EMPLOYEES OF MULTINATIONAL COMPANIES WITH OFFICES IN AFRICA. Cigna Global Health Benefits® is now offering its new Cigna Africa product. Expats in regions of Africa will benefit from Cigna’s local experience and facilities, global medical network, and ongoing commitment to investments in this region. The product has been tailored to the needs and local practices of the region, making the plan affordable and giving multiple options to individual preferences such as area of cover, cover levels and supplementary coverages. It includes health benefits, dental and vision cover, evacuation and health management services.

supports the health, well-being and sense of security for numerous customers in Sub-Saharan Africa, employed by multinationals, non-profits and intergovernmental organizations (IGOs). It employs local communication officers and medical consultants in key hubs and claims intake office in Kenya.

Africa is emerging as a significant point of growth, making it an attractive expansion target for companies in search of new markets. The EY attractiveness index 2013 for Africa shows that Africa’s growth is real and sustainable, with the economic output of Sub-Saharan Africa having “Africa is an emerging economy, with significant grown strongly from US$344.1 billion in 2000 growth of almost 1,000 billion US$ over the last to US$1 334.2 billion in 2012. Sub-Saharan decade1. This trend makes it an attractive economic output is projected to reach US$1 expansion target for us. With our already existing 844.6 by 2017. infrastructure and experience in Africa, we are 1 in a good position to give regional expats and Source: EY 2013/14 Sub-Saharan Africa talent key nationals a premium service,” says Bart trends and practices survey report. l Jordens, General Manager International Organisations and Africa at Cigna. Currently, Cigna Global Health Benefits already

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The top three reasons for expatriate relocation are as follows: 01 Education 02 Employment 03 Relationship

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ACA COMPLIANT INTERNATIONAL HEALTH PROGRAMS FOR EXPATS Thursday, 03 September 2015

4LAUNCH OF LATEST WELLAWAY EXPATRIATE HEALTHCARE PROGRAMS: LA VIE À L’ETRANGER AND THE NEW AMERICAN. La Vie à l’Etranger and the New American both offer Affordable Care Act (ACA/Obamacare) compliant healthcare plans coupled with innovative wellness and support tools for expatriates coming to the USA. This program is designed to offer more than just health insurance, by assisting incoming foreign nationals and their families in establishing their new life in the USA with confidence and peace-of-mind. This program contains the only expatriate health plan to receive approval as ACA compliant in the market. La Vie à l’Etranger and the New American provide medical services through an open-access provider network of over 1.1 million healthcare professionals. The program also includes expatriate support tools such as access to a personal ConciergeCare counsellor, provider search assistance with appointment scheduling, an online Personal Health Record with medical record retrieval, e-consultations, and second medical opinions. WellAway Limited offers member services in a variety of languages via its multi-cultural, multilingual call-center. WellAway Limited is a leading

advocate of expatriate support for individuals, families, and employees. Having an ACA compliant plan will help expatriates living in the USA in avoiding to pay a tax or substantial penalties, as well as to ensure them that their health is in good hands. La Vie à l’Etranger and the New American are now open for enrolment and interested individuals can obtain a quote and complete an application online at www.wellaway.com or via one of our selected brokers. Brokers seeking to offer this innovative expatriate healthcare program are advised to contact our Broker Management department at brokerinfo@wellaway.come. WellAway is a health & travel insurance manager domiciled in Bermuda, with satellite offices in Miami, FL & Gent, Belgium. Their mission is to empower global travelers and expatriates with the support and coverage options to keep them healthy and safe wherever they may roam. l

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APOLLO MUNICH LAUNCHES OPTIMA VITAL AND OPTIMA SUPER Friday, 21 August 2015

4APOLLO MUNICH HEALTH INSURANCE IS SET TO ROLL OUT TWO NEW PLANS UNDER ITS OPTIMA SERIES - OPTIMA VITAL AND OPTIMA SUPER. Creating a new benchmark for the health insurance industry, Optima Vital – a critical illness plan, covers 37 critical illnesses against normal industry standards of providing cover for around 7 to 20 of these conditions. Optima Super, on the other hand, is an aggregate high deductible cover for individuals and families that comes with a unique SWITCH BENEFIT (Waiver of Deductible Benefit) of converting the high deductible into a fullfledged nil deductible plan, without any underwriting.

which is way above the number of critical illnesses covered under general critical illness plans available in the health insurance market. It covers aliments such as coma, kidney failure, major burns, bacterial meningitis, cancer, heart attack, stroke, and such life threatening conditions. This product is developed closely with the customers and based on their feedback we realise that critical illnesses have a prolonged effect on one’s life because of expensive treatments that extend beyond one’s stay in a hospital, loss of income and prolonged hardship in some cases. Hence, OPTIMA VITAL Apollo Munich has eliminated the practise of part payment for certain critical illnesses. Optima Non-communicable diseases account for 53 Vital promises 100% lump-sum pay out on percent of deaths in India and both the incidence detection of any of the 37 critical illnesses. and the number of critical illnesses are increasing dramatically. In addition to that, the treatment Antony Jacob, CEO, Apollo Munich Health for such ailments is more than twice as expensive Insurance, said “At Apollo Munich, our focus as compared to communicable conditions and is to constantly challenge ourselves and come illnesses. Taking cue from that, Apollo Munich up with high quality products with innovative has designed Optima Vital that protects consumers features that ease the financial burden of financially upon diagnosis of any pre-defined customers arising out of medical emergencies. critical illnesses. Given the increased stress levels and changing lifestyles, Indians are encountering critical What makes Optima Vital special is the fact illnesses more than ever before. Not only the that it extends cover against 37 critical illnesses, incidence rate of such diseases is increasing,

the number critical illnesses is also on a rise. Hence, there is a deep-felt need in the market for a one stop shop plan that covers all the major critical illnesses to help reduce the financial trauma related to critical illnesses.” The customers of Optima Vital are given the option of taking e-opinion from Apollo Munich’s panel doctors, as and when required by them. This is an inbuilt benefit and comes with all sum insured variants. Optima Vital offers the consumer lifelong renewal and shall terminate on first occurrence of any one of the defined critical illnesses. The entry age for the cover is 18 years, with maximum age of entry being 65 years. The policy also offers an income tax benefit under Section 80D. OPTIMA SUPER Apollo Munich’s Optima Super is an aggregate high deductible plan that allows customers to enhance their sum insured coverage as per their need at a lower cost. Unlike many high deductible plans, Optima Super customers do not have to cross the deductible limit at every claim incidence, but can aggregate all claims during a policy period over multiple hospitalizations to cross the deductible limit. Optima Super comes with the unique SWITCH benefit where the customers have an option of converting his/ her Optima Super into a fullfledged nil deductible plan without any underwriting or consideration of your current health status at two occasions. One – when a customer is due for his 6th consecutive renewal. Two - when a customer is 55-60 years old (and has availed the policy before the age of 50 years). On how this plan idea was conceived, Antony Jacob said, “Based on the feedback we have

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received from the segment of customers who are mostly covered by their employers, we have developed this unique plan that caters to the need of having a low cost cover while one is employed and can be switched to a full-fledged plan at the time of retirement or when the need is felt, without the fear of rejection.” “In India, healthcare services are getting more sophisticated and expensive in the light of advancement in technology and medical inflation. Individuals can no longer use their internal financial resources to counter such rising expenses. Optima Super is based on customer feedback that addresses customers’ need to mitigate their increased medical expenses at affordable rates. This plan is best suited for individuals with group cover or low sum insured policies or those who can afford to spend the first few lakhs from their pocket” Jacob added. Optima Super also offers a lifelong renewal benefit and comes with an added option of availing a single cover for your entire family. Quality healthcare and Apollo have become synonymous in the Indian subcontinent, a fact reiterated by global healthcare experts and international accreditation bodies. Committed to bring world class health care within the reach of every individual, Apollo Hospitals Group has joined hands with Munich Health, a world leader in the field of international private medical and international health insurance. The joint venture is poised to make good the conviction of both the partners that Indian health insurance market is on the brink of explosive growth. l

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BUPA ARABIA LAUNCHES EXCLUSIVE MATERNITY INSURANCE PROGRAM Saturday, 15 August 2015

4FIRST MEDICAL HEALTHCARE INSURANCE PROVIDER IN THE KINGDOM OF SAUDI ARABIA TO OFFER SUCH DEDICATED COVERAGE TO PREGNANT WOMEN. Bupa Arabia have launched a unique health insurance policy Maternity and Maternity Plus, making it the first medical healthcare insurance provider in the Kingdom of Saudi Arabia to offer such dedicated coverage to pregnant women. The only difference between Maternity and Maternity Plus, is that the latter even covers previous cases and chronic diseases during and post pregnancy. Eng. Alshereef Hamideddin, Director of Individual & Family Sales at Bupa Arabia stated that, “The launching of Maternity and Maternity Plus first-ever programs in Saudi Arabia comes in line with our efforts to provide the most pioneering health insurance coverage across all segments, ensuring that we are close to all our female members and community, presenting different state of the art schemes that are especially designed to meet every need in that segment and be near them to fulfil our promise of being with them for better health, especially that recent statistics show that over 150,000 women pay in cash at private hospitals in KSA per year to give birth.” Walaa Nahas, Individual and Family Business

Development Senior Manager at Bupa Arabia stated that, “Maternity and Maternity Plus serves pregnant women and helps them to live healthier and happier lives by covering pregnancy and childbirth as soon as the member joins the program without any waiting time, in addition to covering in and out patients, surgeries, medical consultation, medications, chemotherapy and radiology, laboratory tests, radiography and vaccinations alongside many other benefits also under three categories: Gold, Silver and Bronze.”

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CRYSTAL RUN HEALTH PLANS ADDS LARGE GROUP PRODUCTS Friday, 14 August 2015

4 CRYSTAL RUN HEALTH PLANS HAS ALSO IMPLEMENTED A PERSONAL HEALTHCARE CONCIERGE PROGRAM. With the approval of its Large Group product line effective June 1, Crystal Run Health Plans now offers health plans to employers of all sizes in Orange and Sullivan counties. Crystal Run Health Plans’ commercial line includes a wide array of Preferred Provider Organization (PPO) and Exclusive Provider Organization (EPO) plans.

to current plan design that employers wish to make. Crystal Run Health Plans also offers innovative care management and disease management programs, as well as a wide array of wellness programs that foster employee engagement.

Crystal Run Health Plans has also implemented Glenn Polansky, Executive Director of Crystal a Personal Healthcare Concierge program, Run Health Plans, noted, “Our unique approach affording plan members unparalleled support. to healthcare management will assist large Each member is partnered with a Crystal Run employers in effectively managing their healthcare Health Plans employee who offers personalized costs, while investing in programs that support service – to answer benefit questions, help the health and well-being of their employees identify the best doctor for an illness, or assist and families.” in resolving a problem anywhere in the healthcare system. Our goal is to help every member make Crystal Run Health Plans offers the strongest informed healthcare choices that enhance their local provider network in Orange and Sullivan well-being and minimize their out-of-pocket counties, supplemented by a nationwide network costs. l of over 600,000 providers. This network structure is designed to meet the needs of large employers that have employees both within and outside the Mid-Hudson Valley. The Large Group product line includes great flexibility in benefits plans, to accommodate nearly any existing employer plan, or changes

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COVERAGE FOR THYROID AND PANCREAS MOLECULAR DIAGNOSTIC TESTS Friday, 14 August 2015

4MOLECULAR DIAGNOSTIC TESTS NOW COVERED BY ONE OF THE LARGEST INDEPENDENT BLUE CROSS BLUE SHIELD PLANS. Interpace Diagnostics announced that both the ThyGenX™ Thyroid Oncogene Panel and ThyraMIR™ Thyroid miRNA Classifier, its molecular diagnostic tests for indeterminate thyroid nodules, are now covered by one of the largest independent Blue Cross Blue Shield plans that insures 3.3 million lives. This medical policy update, covering both ThyGenX and ThyraMIR, represents the first large commercial plan to cover ThyraMIR, a novel microRNA gene expression classifier launched earlier this year. Furthermore, it follows the recent announcement of coverage by Aetna for ThyGenX, Interpace Diagnostics’ genetic mutation panel used to improve risk stratification and surgical decision-making when standard cytopathology does not provide a clear diagnosis of thyroid cancer. The combination of all plans, including Medicare coverage of ThyGenX, represents a total of 80 million covered lives for Interpace Diagnostics’ molecular thyroid diagnostic tests. Coverage of PancraGen™, Interpace Diagnostics’ test for pancreatic cyst cancer risk stratification, was also recently extended to an additional 1.3 million lives by a contracted top national plan,

bringing this plan’s total covered lives for PancraGen to 10 million. Additionally, one of the country’s largest Blue Cross Blue Shield plans renewed PancraGen contract coverage for their 5.9 million lives. These plans recognize the value in identifying patients at risk of progression to pancreatic cancer and those at a lower risk with a high degree of accuracy, by ensuring their members have access to this technology. The combination of all plans, including Medicare coverage of PancraGen, represents over 70 million covered lives for this molecular test. “Coverage by these additional plans provides further validation of our tests’ value to their members,” said Nancy Lurker, CEO of PDI, Inc. She adds, “We continue to advance discussions with other plans to increase coverage for our tests, efforts which will both benefit patients and further accelerate the current growth taking place at Interpace Diagnostics, our molecular diagnostics business.” l

iNTERNATIONAL AND EXPATRIATE HEALTHCARE AND iNSURANCE 2016Â©

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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.

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BUPA ARABIA LAUNCHES EXCLUSIVE HEALTH INSURANCE PLAN Wednesday, 12 August 2015

4FIRST HEALTH INSURANCE PROVIDER IN THE KINGDOM OF SAUDI ARABIA TO OFFER SUCH DEDICATED COVERAGE TO SINGLE MALES OR FEMALES . Bupa Arabia launched a unique healthcare insurance policy tailored to Saudi individuals, the Individual Healthcare Product, making it the first health insurance provider in the Kingdom of Saudi Arabia to offer such dedicated insurance coverage to any single male or female Saudis between the ages of 18 and 50.

that services any individual that wishes to receive top notch healthcare services to help him or her lead better lives. The program is designed especially for male or female individuals that are single, divorced or widowed women with coverage up to SR250,000 in line with the health standards of that segment of our community taking into consideration average monthly income. It does not cover chronic diseases which are not a widespread for the age bracket this product is designed for, where most of insurance spending goes on these types of diseases. The coverage includes in and out patients, dental, optical, natural therapy and emergency coverage in and outside Saudi Arabia along with other exclusive services under 3 main categories: Gold, Silver and Bronze.”

Eng. Ali Sheneamer, Chief Commercial Officer at Bupa Arabia stated that, “The launching of this first-ever program in Saudi Arabia comes in line with our efforts to provide the most pioneering health insurance coverages across all, ensuring that we are close to all our members and community and presenting 3 different state of the art schemes that are especially designed to meet every individual need in that segment, whether singles working in the public sector or widowed, and be near them to fulfil our promise Bupa Arabia started in 1997 as a joint venture of being with them for better health, utilizing with Nazer Group. Today, With over 2 million + our national and international expertise in health members Bupa Arabia is one of the largest health insurance services.” insurers in the Kingdom of Saudi Arabia, meeting the insurance needs of individual clients, Families Walaa Nahas, Individual and Family Business as well as some of the Kingdom’s largest companies. Development Manager at Bupa Arabia stated Under insurance regulations, Bupa Arabia evolved that, “The Individual Healthcare Product for its business from a joint venture to a publicly Saudi individuals, including employees of the listed company offering cooperative health public sector, is considered the first of its kind insurance. l

BREAKING NEWS

ZURICH ANNOUNCE LAUNCH OF FLEXICARE GROUP MEDICAL INSURANCE PLAN Thursday, 06 August 2015

4 COMPETITIVELY PRICED GROUP MEDICAL PLAN DESIGNED SPECIFICALLY TO HELP EMPLOYERS. Zurich has announced the launch of Zurich FlexiCare Group Medical Insurance Plan, the first of its kind where employees can choose their own medical coverage and redeem different wellness items. It is a competitively priced group medical plan designed specifically to help employers, especially SMEs with limited resources retain talents, which can be managed using the “Zurich HK” App. In December 2014, Zurich appointed an independent research agency, GFK, to conduct research surveying a total of 813 SME employers and employees (501 employees and 312 employers) with the following objectives: • To understand how to enhance enterprise profitability; • To understand mutual expectation between Employers & Employees. KEY FINDINGS: 64% of employers and 71% of employees consider loyal employees the key driver of business growth. The market research shows that 62% of

employer are “satisfactory” to “very satisfactory” towards their employee, which means the satisfaction level of employers towards employees scores 62, while the 55% of employees either “have sense of belonging” to “have very strong sense of belonging” towards their employer, which means sense of belonging of employees towards the company scores 55. The rapport index calculated from the gap is 7, which reveals that the satisfaction level between Hong Kong employers and employees towards each other has certain degree of disparity, with space for improvement for relationships between both sides. (The lower the index, the smaller the difference between the satisfaction level of employee and employer towards each other, hence more favourable) Group insurance (61%) is the most widelyadopted employee benefit other than any monetary rewards (95%), especially the group medical insurance, which can protect employees’ health and boost their productivity as well as loyalty level. The significance of group medical insurance can be explained by the high incidence of diseases,

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“FLEXICARE IS TAILOR-MADE TO HELP COMPANIES TO INCREASE THE STAFF LOYALTY AND ULTIMATELY TO INCREASE PROFITABILITY AND OVERCOME CHALLENGES”

and employees are inclined to deferring their major challenges, namely heavy administrative medical treatment due to the lack of group burdens, difficulty in recruiting and retaining medical insurance; talent and budget constraint. In the past one year, 85% of employees have Responding to the results of the survey, Zurich’s got some kind of disease,78% of them have FlexiCare offers a scheme which is budget-friendly communicable diseases (e.g. Cold, Flu, Pink Eye, with multiple and flexible choices of benefits etc.), 53% of them have deferred treatment and and extra bonus. 73% of them expected on-going illness; “Companies are challenged with high staff In past 12 months, there was an average turnover rate that may jeopardize business number of 4.7 illnesses with 3.2 out-patient visits growth. FlexiCare is tailor-made to help companies and 2.33 days of sick leaves taken per employee. to increase the staff loyalty and ultimately to The expected increase in outpaitent medical increase profitability and overcome challenges,” expenses (17%) exceeds the expected salary said Ms. Elaine Chan, Senior Head of Medical increment (5%). Division of Zurich’s General Insurance business in Hong Kong. Compared with those without group medical insurance, employees with group medical benefit SIX FLEXIBLE BENEFIT OPTIONS: have higher sense of belonging (63% vs. 43%) and generally stay 1.6 years longer (7 years vs. • Hospitalization and day care treatment 5.4 years) and are less likely to defer treatment benefit (46% vs. 65%). Eventually a more favourable • Critical illness benefit rapport index is resulted as well (1 vs 19), which • Hospital cash benefit can in turn brings improvement in company’s • Outpatient benefit productivity. • Dental benefit • Personal accident benefit. The research shows out that 53% of employees • A wide range of wellness options: are not satisfied with existing group medical • Medical check-up; insurance and 86% of employees expect to have • Vaccinations. group insurance with more flexibility to accommodate their personal medical needs. The existing group insurance in the market cannot fully meet their needs. Nowadays, employers are faced with three

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Convenience Wherever your employees are in the world, they can count on our web and mobile technology to keep our services and support within reach.

Our team of specialised clinicians and multilingual case managers are available 24/7/365 to support your employees no matter where they are.

Isn’t it time your international employees receive robust health care solutions, anytime, anywhere? Learn more at aetnainternational.com Or call the team on +44 (0) 870 442 2676

Aetna® is a trademark of Aetna Inc. and is protected throughout the world by trademark registrations and treaties.

BREAKING NEWS

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iPOLICY

STARR COMPANIES AND AETNA INTERNATIONAL LAUNCH 2 iPMI PLANS FOR PHILIPPINES Sunday, 19 July 2015

4STARR COMPANIES AND AETNA INTERNATIONAL HAVE LAUNCHED TWO IPMI PRODUCTS SPECIFICALLY DESIGNED TO PROVIDE ACCESS TO HIGH-QUALITY HEALTHCARE TO EXPATRIATE AND LOCAL EMPLOYEES OF COMPANIES BASED IN THE PHILIPPINES. THESE PRODUCTS WILL BE AVAILABLE TO COMPANIES DIRECTLY OR VIA BROKERS. A total of 4 base plans for each product are on offer with a menu of additional benefits and sums insured. Policy issuance, claims and customer service will be managed in the Philippines by the Philippines Branch of Starr International Insurance (Asia) Limited (“Starr International Insurance”) and the Starr International Insurance team of bi-lingual staff to cater for both local and international members. The International Healthcare Plan allows members and dependents to get medical care worldwide*, either within Aetna’s network or at the facility of their choice. The Healthy AEssentials Plan is a flexible solution designed for groups seeking comprehensive regional coverage within Southeast Asia. Both products are underwritten by Starr International Insurance, a Starr Companies insurance carrier with an A (Excellent) rating from A.M. Best Company. The healthcare policies to be issued by Starr International Insurance are reinsured by Aetna Life & Casualty (Bermuda) Ltd., an Aetna Company, and are based on Aetna’s

International Healthcare Plan and Aetna Healthy AEssentials Plan. Derek Goldberg, MD, Southeast Asia, Aetna International said, “Despite the Philippines being a popular destination for expatriates, and the expanding healthcare needs of the local market, there are limited options for regional and global healthcare solutions that are fully compliant with local market regulations. With the resources of our regional partner, Starr International Insurance, we have been able to develop two comprehensive healthcare plans that provide flexibility and choice for expats and local nationals in the country.” “This exciting development for the Philippines market reaffirms our strong and expanding relationship with Aetna International in the Asia region,” said Ross Matthews, President and CEO of Starr International Insurance. l

BREAKING NEWS

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iPOLICY

VISITOR HEALTH INSURANCE COVERAGE TO CANADA, US, AND MEXICO BOUND VISITORS Friday, 26 June 2015

4MEMBERS COVERED FOR ACCIDENTS AND MEDICAL PROBLEMS DURING TRAVEL FROM THE HOME COUNTRY TO THE US, CANADA OR MEXICO. All policy holders of India Network Health Insurance programs would be automatically covered for accidents and medical problems during their travel from the home country to the United States, Canada or Mexico. Policy holders must purchase the insurance on or before they embark on their journey to avail this coverage. Typically, visitors traveling from India start the coverage one or two days before their arrival in the United States, Canada or Mexico to avail this benefit.

to the United States or Canada. Recently, an elderly person insured by India Network Health Insurance was injured during travel. ACE American Insurance Company, the underwriter ofIndia Network programs is helping the policy holder just because they choose to purchase the plan covering the travel date.

India Network advises everyone travelling to the United States to take the best medical coverage. Only proper medical insurance with pre-existing conditions coverage can help visitors India Network offers comprehensive insurance with any unexpected medical problems during plans that limit individual exposure by availing their overseas stay. It is very important to network negotiated rates for services and pay understand the definitions and exclusions in 80% for such covered service. The second set various plans. India Network Health Insurance of plans are known as scheduled benefit plans is the only that treats pre-existing conditions on or fixed benefit plans that reimburse policy par with new problems and accidents and holders or provides a predetermined amount premiums are bit higher than other plans due for each covered service. A special feature of to this improved coverage.â&#x20AC;? l India Network Health Insurance programs is that they also cover pre-existing conditions for both inpatient services and outpatient services. Dr. KV Rao, President, India Network Foundation, said that the travel insurance coverage is very important for visitors traveling

Pacific Cross Insurance Inc. Pacific Cross Healthcare Inc.

Pacific Cross Vietnam

www.pacificcrossinternational.com

Communicating in a Medical Emergency in Indonesia English

Bahasa Indonesia

Help me!

Tolong saya!

Robber!

Perampok!

Fire!

Kebakaran! Pencuri! / Maling!

Thief!

Takbรณ!

Run!

Awas!

Watch out! (or: be alert!) Call the police/doctor/ambulance!

Panggil polisi/dokter/ambulans!

Vocabulary of Medical Terms English

Bahasa Indonesia

English

Bahasa Indonesia

Asam urat

Wound

Luka

Cough

Batuk

Bruised

Memar

Swollen

Bengkak

Gout

Sweat rash Blister Measles Fever

Biang keringat Bisul Cacar air Demam

Broken bone Sexually transmitted disease Cold Faint/unconscious Dizzy

Patah tulang Penyakit menular seksual Pilek Pingsan Pusing

Diabetes

Diabetes/ kencing manis

Diarrhea

Diare/mencret

Rash

Stung by bee

Disengat lebah

Toothache

Sakit gigi

Cavity

Gigi berlubang

Headache

Sakit kepala

Infection Acne

Infeksi Jerawat

Fractured bone

Stomachache Heart attack Difficult to breath

Retak tulang Ruam

Sakit perut Serangan jantung Sesak nafas

Cancer

Kanker

Twisted

Keseleo

Low blood pressure

Tekanan darah rendah

Kurang gizi

High blood pressure

Tekanan darah tinggi

Malnourished Scrape

Lecet

www.pacificcrossinternational.com

Communicating in a Medical Emergency in Philippines English

Filipino

Help !

Saklolo!

Stop!

Hintô!

Fire!

Sunog! Magnanákaw!

Thief! Run!

Takbó!

Watch out! (or: be alert!)

Alerto!

Call the police/doctor/ambulance!

Tawagan ang pulís!/doktór/ambulansya!

Vocabulary of Medical Terms English

Filipino

I feel sick

Masama ang pakiramdám ko

Accident

Aksidente

Food poisoning Where is the closest pharmacy?

Pagkakalason Saán ang pinaka malapit na botika?

It hurts here

Dito masakít

It's urgent!

Ngayón na!

Calm down!

Relax lang!

Headache

Sakit ng ulo

Fever Stomach ache Diarrhea Asthma Dentist Medicine I need a doctor

Lagnat Sakit ng tiyan Pagtatae Hika Dentista Gamot Kailangan ko ng doktór

Pacific Cross is more than just insurance. Pacific Cross provides peace of mind.

Pacific Cross Insurance brings over 65 years of experience in the health and travel insurance industry to clients throughout Asia.

STANDARD INTERNATIONAL PLANS

COMPREHENSIVE INTERNATIONAL PLANS

MAJOR MEDICAL INTERNATIONAL PLANS

iPMI PROVIDER network

111

iNTERNATIONAL PRIVATE MEDICAL iNSURANCE PROVIDERS V1.5

Made With Y By International Private Medical Insurance Magazine

Discover Aetna International’s NEW Pioneer & Summit global health care plans Choice We provide cover for inpatient and outpatient care, dental treatment and hospitalisation to name a few.

Control Let your employees take charge of their health with tools that fit with their busy lifestyle, like our Online Health Assessment.

Care

Comfort We’ll help to keep your employees and their family safe with resources to manage their personal safety if they’re outside their home country.

Convenience Wherever your employees are in the world, they can count on our web and mobile technology to keep our services and support within reach.

Our team of specialised clinicians and multilingual case managers are available 24/7/365 to support your employees no matter where they are.

Isn’t it time your international employees receive robust health care solutions, anytime, anywhere? Learn more at aetnainternational.com Or call the team on +44 (0) 870 442 2676

Aetna® is a trademark of Aetna Inc. and is protected throughout the world by trademark registrations and treaties.

LEARN MORE

PROVIDERS

IPMI 4 AETNA INTERNATIONAL

GEOGRAPHY: GLOBAL HQ: UK SECTOR: iPMI

+44 870 442 4386 aetnainternational.com/en/ individuals/health-plans/ contact-us.html aetnainternational.com 69 Park Lane, 1st floor, Croydon, CR9 1BG, United Kingdom

4 4 4 4

INTERNATIONAL MEDICAL INSURANCE INTERNATIONAL HEALTHCARE INSURANCE INTERNATIONAL EXPATRIATE INSURANCE INTERNATIONAL TRAVEL INSURANCE

Aetna International is committed to helping create a stronger, healthier global community by delivering comprehensive health care benefits and population health solutions worldwide. As one of the largest providers of international private medical insurance services, we serve more than 700,000 members worldwide, including expatriates, local nationals and business travellers. Our global benefit solutions include medical, dental, vision and emergency assistance. In November 2015 we launched two new global health care products - Aetna Pioneer aimed at individuals and families with Aetna Summit supporting group clients. Both products offer customers greater simplicity, choice and value that are distinctive in the market. Each product is modular in style with five base plan levels available - Aetna Pioneer/Summit 1750, 2500, 4000, 5000 and 5000+. Overall annual benefits range from USD 1,750,000 to USD 5,000,000.

LEARN MORE ABOUT AETNA INTERNATIONAL. VISIT THEIR MICRO SITE ON iPMIM.

113

AntaĂŠ

Architect of international mobility solutions

International companies & organisations

NGOs

International schools

www.antae.ch

International students in Switzerland

LEARN MORE

PROVIDERS

IPMI 4 ANTAÉ

EST: 2010 GEOGRAPHY: GLOBAL HQ: SWITZERLAND SECTOR: iPMI

+41 (0) 21 560 56 23 contact@antae.ch antae.ch Voie du Chariot 3 1003 Lausanne Suisse Switzerland

4 4 4 4

INTERNATIONAL MEDICAL INSURANCE INTERNATIONAL HEALTHCARE INSURANCE INTERNATIONAL EXPATRIATE INSURANCE INTERNATIONAL TRAVEL INSURANCE

Antaé is a leading employee benefits specialist based in Switzerland. We specialize in advising, designing and managing corporate employee benefit programs – including medical insurance, life & disability insurance, assistance and security, pension/saving programs, kidnap & ransom. Our expertise lies in the combination of a thorough knowledge of Swiss and international insurance benefits, consultancy know-how and caring services. Our clients include multinational companies, international IGOs, NGOs and international private schools. We also distribute a specifically designed individual insurance plan to foreign students coming to Switzerland. Antaé works with first-rate partners only including Allianz Worldwide Care, Cigna, Swiss Life, Zurich International Life, Hiscox, International SOS.

LEARN MORE ABOUT ANTAÉ. VISIT THEIR MICRO SITE ON iPMIM.

115

International experts you can trust

As an experienced independent expert, you can trust Bellwood Prestbury to help you set-up and manage the right IPMI for individuals or companies, anywhere in the world.

Find out more at

bellwoodprestbury.com/ipmi Bellwood Prestbury Limited, 4 Imperial Square, Cheltenham, GL50 1QB, United Kingdom â&#x20AC;˘ +44 (0) 1242 584 558 Bellwood Prestbury Limited is registered in England no. 1100251. Authorised and regulated by the Financial Conduct Authority (www.fca.org.uk).

LEARN MORE

PROVIDERS

IPMI 4 BELLWOOD PRESTBURY

EST: 2000 GEOGRAPHY: GLOBAL HQ: UK SECTOR: iPMI

+44 (0) 1242 584558 info@bellwoodprestbury.com bellwoodprestbury.com 4 Imperial Square Cheltenham Gloucestershire GL50 1QB United Kingdom

4 4 4 4

INTERNATIONAL MEDICAL INSURANCE INTERNATIONAL HEALTHCARE INSURANCE INTERNATIONAL EXPATRIATE INSURANCE INTERNATIONAL TRAVEL INSURANCE

We understand that international medical insurance can at times be complicated, confusing and difficult, so our aim is to lead our clients through the process of choosing the right cover for their employees by helping identify, select and implement the health insurance plan that works both for their employees and their businesses. By understanding our clients’ businesses and the environment in which their employees are operating, we will work to identify those insurance providers who are best able to deliver not only the range of cover benefits that our clients’ businesses require, but the service and support that they demand and deserve. Our extensive experience and indepth knowledge of the international private medical insurance market allows us to work together with insurers to offer pro-active support in the management of our clients’ chosen plans and to offer advice on market trends. As a leading global insurance specialist, we have been arranging high-risk and complex cover for individuals, companies and organisations throughout the world for more than 15 years.

LEARN MORE ABOUT BELLWOOD PRESTBURY. VISIT THEIR MICRO SITE ON iPMIM.

117

CIGNA ADVERT

LEARN MORE

PROVIDERS

IPMI 4 CIGNA GLOBAL HEALTH OPTIONS

EST: 2011 GEOGRAPHY: GLOBAL HQ: SCOTLAND SECTOR: iPMI

+44 (0) 1475 788 682 cgi.sales@cigna.com cignaglobal.com/brokers The Grosvenor Building 72 Gordon Street Glasgow G13RS Scotland

4 4 4 4

INTERNATIONAL MEDICAL INSURANCE INTERNATIONAL HEALTHCARE INSURANCE INTERNATIONAL EXPATRIATE INSURANCE INTERNATIONAL TRAVEL INSURANCE

Cigna Global Health Options specialise in providing expatriate health plans that are designed to give comprehensive overseas medical cover for people who are living and working abroad. Our core International Medical Insurance plans give you and your family cover for essential hospital stays and treatment, cancer and psychiatric care. Maternity cover is also included in our Gold and Platinum plans. Our core plans can then be supplemented with a range of optional benefits which include International Outpatient, designed to cover outpatient treatment and prescriptions. Cigna Global Health Options also offer International Medical Evacuation, International Vision & Dental and International Health & Wellbeing optional benefits that can be added to your core plan.

LEARN MORE ABOUT CIGNA. VISIT THEIR MICRO SITE ON iPMIM.

119

International Insurance Specialists

International Healthcare

Travel Insurance

Life Insurance

Income Protection

www.expatriategroup.com

LEARN MORE

PROVIDERS

IPMI 4 EXPATRIATE GROUP

EST: 2002 GEOGRAPHY: GLOBAL HQ: UK SECTOR: iPMI

+44 (0) 20 3551 6634 info@expatriategroup.com expatriategroup.com

For over a decade Expatriate Group have been underwriting, administering and providing claims services for its customers from its City of London headquarters. With a philosophy of providing comprehensive cover and 1st class service, Expatriate Group have a dedicated team of international insurance professionals looking after the whole customer journey. Expatriate Group originally began trading in 2002 as Expatriate Healthcare, providing international healthcare insurance to expatriate living and working across the world. In 2015 Expatriate Healthcare changed its name to Expatriate Group, in acknowledgement of the increased product portfolio beyond iPMI; to include travel insurance, term life insurance and income protection insurance.

3rd Floor 36-38 Botolph Lane London EC3R 8DE United Kingdom

4 4 4 4

INTERNATIONAL MEDICAL INSURANCE INTERNATIONAL HEALTHCARE INSURANCE INTERNATIONAL EXPATRIATE INSURANCE INTERNATIONAL TRAVEL INSURANCE

LEARN MORE ABOUT EXPATRIATE HEALTHCARE. VISIT THEIR MICRO SITE.

121

www.generali.com

Generali Global Health

Your health means the world to us

Generali Global Health (GGH) offers International Private Medical Insurance to corporations, international organisations and individuals. Backed by the solidity and global footprint of the Generali Group, GGH unite unique and flexible product and benefit options with leading technology, to anticipate our clientsâ&#x20AC;&#x2122; needs anywhere in the world, 24 hours a day, 7 days a week. Through our extensive range of health insurance and wellness solutions, integrated medical support and claims management, we are committed to putting our customers at the centre of the services we provide. For more information on GGH products and services please contact: GGH@generali.co.uk Head Office 100 Leman Street, London E1 8AJ Tel. +44(0)20 7365 6444

LEARN MORE

PROVIDERS

IPMI 4 GENERALI GLOBAL HEALTH

EST: 2015 GEOGRAPHY: GLOBAL HQ: UK SECTOR: iPMI

+44 (0) 207 265 6200 generali.co.uk/home/contactus.html generali.co.uk

For many years, Generali has offered International Private Medical Insurance in partnership with the Generali Group Company, Europ Assistance. In January 2015, Generali Global Health (GGH) was created to become the dedicated International Private Medical Insurance provider of the Group, harnessing the financial strength, global footprint and existing iPMI/ Health Insurance capabilities in a single business unit headed up by Marco Giacomelli, a well known and respected figure in the international employee benefits industry. 2015 has been a great year for GGH. Marcoâ&#x20AC;&#x2122;s newly formed senior management team of leading industry professionals have been busy putting business plans and strategy in place for next year.

55 Mark Lane London, EC3R 7NE United Kingdom

4 4 4 4

INTERNATIONAL MEDICAL INSURANCE INTERNATIONAL HEALTHCARE INSURANCE INTERNATIONAL EXPATRIATE INSURANCE INTERNATIONAL TRAVEL INSURANCE

LEARN MORE ABOUT GENERALI GLOBAL HEALTH. VISIT THEIR MICRO SITE .

123

Global coverage, reliablity and service. Seeking out new life and new civilisations. No matter how undiscovered and

Health, we give you the strength and security of a leading global primary insurer and reinsurer. Under ÂŽ ÂŽ

With Globality CoGenio and Globality YouGenio we offer internationally operating companies and their

related services in international healthcare business.

with comprehensive outpatient, inpatient and dental insurance cover and market leading services around the

financial stability and client proximity. Some 40 million clients in over 30 countries place their trust in the services and security Munich Re provides.

www.globality-health.com

LEARN MORE

PROVIDERS

IPMI 4 GLOBALITY HEALTH

EST: 2009 GEOGRAPHY: GLOBAL HQ: LUXEMBOURG SECTOR: iPMI

+352 270 444 22 11

Globality Health is the international health insurer with a special focus on expatriates. Our approach is based on sound client portfolio management based on a longterm perspective, solid data and market expertise. The growing success of our individual and corporate plans clearly indicates that this approach is on track. As part of Munich Health, we give you the strength and security of a leading global primary insurer and reinsurer. Under the Munich Health brand, Munich Re pools its primary insurance and reinsurance operations, as well as related services in international healthcare business. We draw on experience gained througout the world in health insurance and reinsurance over a period of more than 80 years.

Globality Health means … contact@globality-health.com … feeling at home globality-health.com wherever you are. 13, rue Edward Steichen L-2540 Luxembourg

Over 3,000 experts at locations worldwide use this wealth of knowledge to offer our international clients innovative solutions, individual consulting and services.

Outstanding care for outstanding people. DKV Globality is the international

staff and individuals and their families, flexible underwriting solutions, high-level products with

experts at 26 locations worldwide we offer innovative healthcare solutions for clients and partners all over

comprehensive outpatient, inpatient and dental cover and market leading services around the globe. the world. As an integral part of the Munich Re Group, we give you theLEARN financialMORE strengthABOUT and security of one of the world’s leading insurers and reinsurers.

GLOBALITY HEALTH. VISIT THEIR MICRO SITE ON iPMIM.

Call our experienced consultants at +352 270 444 2201 or visit www.globality-health.com to find out more.

4Call INTERNATIONAL INSURANCE our consultants MEDICAL at +352 270 444 2201 or 4visit INTERNATIONAL HEALTHCARE www.dkv-globality.com to find INSURANCE out more. 4 INTERNATIONAL EXPATRIATE INSURANCE 4 INTERNATIONAL TRAVEL INSURANCE

125

Global coverage, reliablity and service. Seeking out new life and new civilisations. No matter how undiscovered and

Health, we give you the strength and security of a leading global primary insurer and reinsurer. Under ÂŽ ÂŽ

With Globality CoGenio and Globality YouGenio we offer internationally operating companies and their

related services in international healthcare business.

with comprehensive outpatient, inpatient and dental insurance cover and market leading services around the

financial stability and client proximity. Some 40 million clients in over 30 countries place their trust in the services and security Munich Re provides.

www.globality-health.com

Globality Health means … … feeling at home wherever you are.

Outstanding care for outstanding people. DKV Globality is the international

staff and individuals and their families, flexible underwriting solutions, high-level products with

experts at 26 locations worldwide we offer innovative healthcare solutions for clients and partners all over

Call our experienced consultants at +352 270 444 2201 or visit www.globality-health.com to find out more.

Call our consultants at +352 270 444 2201 or visit www.dkv-globality.com to find out more.

LEARN MORE

PROVIDERS

IPMI 4 INTEGRA GLOBAL

EST: 1999 GEOGRAPHY: GLOBAL HQ: UK SECTOR: iPMI

+44 333 405 3003 integraglobal.com/front/ contact/email integraglobal.com 29/30, Fitzroy Square London UK

4 4 4 4

INTERNATIONAL MEDICAL INSURANCE INTERNATIONAL HEALTHCARE INSURANCE INTERNATIONAL EXPATRIATE INSURANCE INTERNATIONAL TRAVEL INSURANCE

IntegraGlobal is an international health plan provider since 1999. IntegraGlobal is a U.K company that has service offices strategically placed worldwide in Europe, North America and Asia. We specialise in providing health plans to organisations and individuals with unique health protection needs, such as expatriates, marine professionals and specialised risks. Our speciality is the uncommon. And we like to apply our understanding and experience to such unique groups rather than trying to put a round peg in a square hole. And by doing so, we are confident of developing unique international health plans that offer you outstanding protection, excellent value and hands-on unbeatable personal service. More and more people have discovered the unique value of an IntegraGlobal International Health Plan.

LEARN MORE ABOUT INTEGRA. VISIT THEIR MICRO SITE ON iPMIM.

129

Pacific Cross is more than just insurance. Pacific Cross provides peace of mind.

Pacific Cross Insurance brings over 65 years of experience in the health and travel insurance industry to clients throughout Asia.

STANDARD INTERNATIONAL PLANS

COMPREHENSIVE INTERNATIONAL PLANS

MAJOR MEDICAL INTERNATIONAL PLANS

LEARN MORE

PROVIDERS

IPMI 4 PACIFIC CROSS INTERNATIONAL

EST: 1949 GEOGRAPHY: GLOBAL HQ: PHILIPPINES SECTOR: iPMI

Pacific Cross International has provided specialist insurance products and services in Asia for over 65 years. Pacific Cross International has operating, administration and/or servicing entities in Hong Kong, the Philippines, Thailand, Indonesia, Vietnam and Cambodia. The group currently provides insurance products and services for over 95,000+ people, representing 57 nationalities living in 43 countries.

+63 2 899 8001 inquiry@pacificcross.com

Pacific Cross is a leading provider of health, personal accident and travel insurance products and services to people and organizations that live and work internationally.

pacificcrossinternational.com

In 2015 the group provided travel insurance for 3 million travel days for over 300,000+ people.

Pacific Cross Center 8000 Makati Avenue 1200 Makati City Metro Manila Philippines

4 4 4 4

INTERNATIONAL MEDICAL INSURANCE INTERNATIONAL HEALTHCARE INSURANCE INTERNATIONAL EXPATRIATE INSURANCE INTERNATIONAL TRAVEL INSURANCE

Pacific Cross maintains a wide Direct Billing Network of hospitals, clinics and medical facilities across the Asia Pacific region.

LEARN MORE ABOUT PACIFIC CROSS. VISIT THEIR MICRO SITE ON iPMIM.

131

BROAD STATS SHOULD MEAN BROAD COVERAGE

JOIN US TO EXPAND YOUR COVERAGE TODAY

FACT

NO.

438

The top three reasons for expatriate relocation are as follows: 01 Education 02 Employment 03 Relationship

Keeping You Well, While You’re Away.®

WellAway®

Keeping You Well, While You’re Away.®

 +1 441 296 0651  info@wellaway.com  www.wellaway.com

WellAway is a managing general underwriter specialized in worldwide expatriate healthcare. WellAway is proud to underwrite the only ACA compliant expat solution offered in the international market.

LEARN MORE

PROVIDERS

IPMI 4 WELLAWAY

EST: 2014 GEOGRAPHY: GLOBAL HQ: BERMUDA SECTOR: iPMI

+1 855 773 7810 brokerinfo@wellaway.com wellaway.com

WellAway specializes in health and travel insurance for expatriates including unique health programs for foreign nationals living throughout the world. Each of our products offer an extensive set of benefits coupled with the highest standard of customer service to provide unquestionable peaceof-mind for expatriates, employers, students and global travelers. Each of our carefully designed Expatriate Health Programs offers comprehensive health coverage coupled with a variety of wellness and support tools to help individuals and their families start their new lives abroad. We offer a number of targeted programs catering to different demographics and market segments. These programs are some of the first expatriate plans to be approved as compliant under the Affordable Care Act.

Canonâ&#x20AC;&#x2122;s Ct.22 Victoria St. PO Box HM1179 Hamilton HM EX Bermuda

4 4 4 4

INTERNATIONAL MEDICAL INSURANCE INTERNATIONAL HEALTHCARE INSURANCE INTERNATIONAL EXPATRIATE INSURANCE INTERNATIONAL TRAVEL INSURANCE

LEARN MORE ABOUT WELLAWAY. VISIT THEIR MICRO SITE ON iPMIM.

133

ADVERTISE HERE

AGENT iPMI

P24

iNTERNATIONAL PRIVATE MEDICAL iNSURANCE BROKERS AGENTS INTERMEDIARIES PAGES

Made With Y By International Private Medical Insurance Magazine

International experts you can trust

As an experienced independent expert, you can trust Bellwood Prestbury to help you set-up and manage the right IPMI for individuals or companies, anywhere in the world.

Find out more at

iNTERNATIONAL PRIVATE MEDICAL iNSURANCE BROKERS V1.1

137

ENHANCED LISTING

COMPANY: Bellwood Prestbury ADDRESS: 4 Imperial Square, Cheltenham, Gloucestershire, GL50 1QB, United Kingdom. PHONE: +44 1242 584 558 WEBSITE: bellwoodprestbury.com EMAIL: info@bellwoodprestbury.com

COMPANY: Anderson Health ADDRESS: #68 Lombard Street, London, EC3V 9LJ, United Kingdom.

COMPANY: Drewberry ADDRESS: Millenium Bridge House, 2 Lambeth Hill, London, EC4V 4AR, United Kingdom.

COMPANY: April Medibroker ADDRESS: Almondsbury Business Centre, Woodlands, Bradley Stoke, Bristol, BS32 4QH,

COMPANY: Expat Assure ADDRESS: Balfour House, 741 High Road, London,

United Kingdom.

N12 0BP, United Kingdom.

COMPANY: Ascoma ADDRESS: Avenue Clozel, Tour Notre Dame, 01 BP 7552 Cotonou, Benin Republic.

COMPANY: Expatriate Insurance Brokers ADDRESS: 31/F, Tower One, Times Square, 1 Matheson Street, Causeway Bay, Hong Kong.

COMPANY: Bellwood Prestbury ADDRESS: 4 Imperial Square, Cheltenham, Gloucestershire, GL50 1QB, United Kingdom. PHONE: +44 1242 584 558 WEBSITE: bellwoodprestbury.com EMAIL: info@bellwoodprestbury.com

COMPANY: Global Albatross ADDRESS: Level 1, 5 School Road, Kaiwharawhara, Wellington, New Zealand, 6035.

COMPANY: Brennan Health Insurance Group ADDRESS: 915 Boerderij Way, Woodstock, Illinois 60098, USA. COMPANY: Chase Templeton ADDRESS: 5 Arkwright Court, Blackburn Interchange, Darwen, BB3 0FG, United Kingdom. COMPANY: Cooper, Claridge-Ware Limited ADDRESS: 2201-07 Tower Two, Times Square, 1 Matheson Street, Hong Kong.

COMPANY: GLOBASSURE S.M.P.C. ADDRESS: 3, Thermopylon str., Halandri 15233, Athens, Greece. COMPANY: Goldstar ADDRESS: Lynton House, 304 Bensham Lane, Thornton Heath, CR7 7EQ, United Kingdom. COMPANY: IHC Employee Benefits ADDRESS: 80 Fleet Street, London, EC4Y 1ET, United Kingdom.

ADVERTISE HERE

iNTERNATIONAL PRIVATE MEDICAL iNSURANCE BROKERS V1.1

ENHANCED LISTING

COMPANY: Bellwood Prestbury ADDRESS: 4 Imperial Square, Cheltenham, Gloucestershire, GL50 1QB, United Kingdom. PHONE: +44 1242 584 558 WEBSITE: bellwoodprestbury.com EMAIL: info@bellwoodprestbury.com

COMPANY: Lonsdale & Associates ADDRESS: Deira , Maktoum Street Dubai, United Arab Emirates.

COMPANY: RDMT Consultants Pty Ltd ADDRESS: #PO Box 150, Brompton SA 5007, Australia.

COMPANY: J+C Budmiger GmbH ADDRESS: Englisch-Gruss-Strasse 30, Brig-Glis, CH-3902, Switzerland.

COMPANY: Xact Risk Solutions Ltd ADDRESS: 34 Lime Street, London, EC3M 7AT, United Kingdom.

COMPANY: Medisave ADDRESS: Beech House, 45 Beechland Drive, LISBURN, Co. Antrim, BT28 1HS, Northern Ireland. COMPANY: NEW AGE Insurance Brokers L.L.C. ADDRESS: 507 Al Nasr Plaza Offices Oud Metha Road, P.O. Box 33916, Dubai, United Arab Emirates. COMPANY: Pacific Prime ADDRESS: 18 Cross St, Singapore, 048423. COMPANY: Premier Healthcare Management ADDRESS: 29 Dingwall Road, Croydon, Surrey, CR0 2NB, United Kingdom. COMPANY: Regency Health ADDRESS: 1 Ashley Mews, Cheltenham, GL52 6LQ, United Kingdom. COMPANY: TFG Global Insurance Solutions Ltd. ADDRESS: #1500 â&#x20AC;&#x201C; 701 West Georgia Street, Vancouver, BC V7Y 1C6, Canada.

139

A global partner you can rely on GROUP OF COMPANIES

A clear departure from ‘standard’ global healthcare services for expats Destination anywhere - tailor our combination of health, travel and security related risk management solutions to support your business needs.

And with genuine transparency on costs, we won’t cost you the earth.

Global coverage, reliablity and service. Seeking out new life and new civilisations. No matter how undiscovered and

Health, we give you the strength and security of a leading global primary insurer and reinsurer. Under ÂŽ ÂŽ

With Globality CoGenio and Globality YouGenio we offer internationally operating companies and their

related services in international healthcare business.

with comprehensive outpatient, inpatient and dental insurance cover and market leading services around the

financial stability and client proximity. Some 40 million clients in over 30 countries place their trust in the services and security Munich Re provides.

www.globality-health.com

Globality Health means … … feeling at home wherever you are.

Outstanding care for outstanding people. DKV Globality is the international

staff and individuals and their families, flexible underwriting solutions, high-level products with

experts at 26 locations worldwide we offer innovative healthcare solutions for clients and partners all over

Call our experienced consultants at +352 270 444 2201 or visit www.globality-health.com to find out more.

Call our consultants at +352 270 444 2201 or visit www.dkv-globality.com to find out more.

www.generali.com

Generali Global Health

Your health means the world to us

Generali Global Health (GGH) offers International Private Medical Insurance to corporations, international organisations and individuals. Backed by the solidity and global footprint of the Generali Group, GGH unite unique and flexible product and benefit options with leading technology, to anticipate our clientsâ&#x20AC;&#x2122; needs anywhere in the world, 24 hours a day, 7 days a week. Through our extensive range of health insurance and wellness solutions, integrated medical support and claims management, we are committed to putting our customers at the centre of the services we provide. For more information on GGH products and services please contact: GGH@generali.co.uk Head Office 100 Leman Street, London E1 8AJ Tel. +44(0)20 7365 6444