iPolicy - Issue 3 - October 2014

iPOLICY POWERED BY iPMI MAGAZINE | OCT2014

GEOBLUE速 INTRODUCES NEW HEALTH PLAN FOR EXPATRIATES AND WORLD TRAVELLERS FRONT COVER: BRENDAN SHARKEY DIRECTOR OF INDIVIDUAL PRODUCTS GEOBLUE

Sometimes it’s good to have a lot on your plate.

With a wide range of international health plans providing coverage for expats, travelers, students, missionaries and more; GeoBlue keeps your plate full of options.

Our network of elite physicians in over 180 countries extends an all-access pass to an exclusive level of care worldwide. And because each GeoBlue policy is U.S. licensed and offers the most complete set of benefits and services in the industry, you can feel confident that your clients expectations will be exceeded.

For more information: Visit: www.geobluetravelinsurance.com Call: 1 (855) 481-6647 or 1 (610) 254-5850 Email: sales@geo-blue.com

Š2014 GeoBlue. All Rights Reserved. GeoBlue is a trade name of Worldwide Insurance Services, LLC, an independent licensee of the Blue Cross and Blue Shield Association.

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FEATURED CONTENT WELCOME TO THE 3RD ISSUE OF IPMI MAGAZINES MEDICAL INSURANCE BROKER AND INTERMEDIARY REPORT, IPOLICY. Rounding up the last quarter’s most important International Medical and Health Insurance Plan and Product News, iPOLICY is the essential digital report designed specifically for International Health Insurance Brokers and Intermediaries.

GEOBLUE INTRODUCES NEW HEALTH PLAN | 26

New Broker Quote Tool For Expat insurance Brokers | 26

A+ International Healthcare Announces New Partnership with AXA | 45

Willis 1st To Launch Medical Plans With PreAssignment Medical | 28

New Zealand’s Second Largest Health Insurance Provider Launches International Health Insurance Cover | 46

Cigna Plans Top-Ranked In Arizona - NCQA’s Private Health Insurance Plan | 33 Cigna Inspire: Refreshed, Updated And Strengthened | 35 DMCC Launches Exclusive Health insurance Solution For All Free Zone Members | 38 Aetna International & Starr Companies Launch Ultracare Health Plan | 41 Allianz Worldwide Care Enters Life And Disability Market | 42

AXA PPP Healthcare Introduces Online Glossary To Help Patients Better Understand Common Medical Terms | 48 Daman Issues First Essential Benefits Plan Under Dubai Mandatory Health Scheme | 50 Now Health International Announces Premium And Benefit Changes | 53 Break A News Story With iPMIM Get Published | HERE

LEGAL

FRONT COVER

CONNECT

© 2009-2014 All editorial content and graphics in iPolicy Magazine is/are protected by copyright, international treaties and other applicable copyright laws and may not be copied without the express written permission of iPMI Magazine.

Brendan Sharkey Director of Individual Products GeoBlue. GeoBlue is the trade name for the international health insurance programs of Worldwide Insurance Services, an independent licensee of the Blue Cross and Blue Shield Association.

Get in touch with iPMI Magazine by writing to ipmi@ipmimagazine.com. We like to chat and will be happy to talk about your business and your role within the international healthcare industry.

Health insurance News

New health insurance plan for individual expatriates and long-term international leisure and business travellers. allows world travellers who are in the U.S. more than 35 days a year to meet the requirements of the Affordable Care Act (ACA) while enjoying coverage outside the U.S.

iPOLICY LATEST HEALTH INSURANCE PLAN NEWS Designed by Insurers to educate global brokers considering iPMI market entry.

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WELCOME

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iPolicy provides pivotal international health insurance plan and product information for global brokers and intermediaries. Published by iPMIM, iPolicy is produced quarterly.

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

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 速 速

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.

With access to over one million hospitals, doctors and care specialists globally, Cigna Global customers are never far from the treatment they need, regardless of where they are in the world.

A 24/7 specialist claims centre and direct claims settlement in most cases takes the worry out of health care whilst living abroad.

We have worked hard on becoming the carrier of choice for brokers. With a new Broker Quote Tool providing three side-by-side quotes in seconds, a suite of three products designed to be flexible enough to handle even the most complex of customer requirements, and a multilingual sales support team just a call away, Cigna is the easy choice.

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THE DEFINITIVE GUIDE TO INTERNATIONAL PRIVATE MEDICAL INSURANCE PLANS

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GET A PREMIUM BUSINESS PROVIDER DIRECTORY LISTING IN iPMI MAGAZINE

AIR AMBULANCE TRAVEL MEDICAL ASSISTANCE COMMERCIAL MEDICAL ESCORTS COST CONTAINMENT CLAIMS MANAGEMENT DISASTER RECOVERY EXPATRIATE INSURANCE GROUND AMBULANCE HOSPITALS AND CLINICS PRIVATE MEDICAL INSURANCE MEDICAL TEAMS MEDICAL TRANSPORTATION PR & MARKETING TECHNOLOGY THIRD PARTY ADMINISTRATORS TRAVEL INSURANCE

WORLDWIDE COVERAGE FOR YOUR BUSINESS, SERVICES & PRODUCTS

THE DEFINITIVE GUIDE TO INTERNATIONAL PRIVATE MEDICAL INSURANCE PLANS

Brendan Sharkey Director of Individual Products GeoBlue

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INTRODUCES NEW HEALTH PLAN

With GeoBlue Xplorer Select, travellers retain their domestic coverage, but also have international benefits to help them access care from quality providers outside the U.S. This combined approach is often equivalent in cost to a high cover, no deductible expat plan.

“We are pleased to be able to offer a solution for the large segment of Americans who need to be compliant with ACA, but also want to travel abroad with the economic protection and high level of customer assistance that comes with all GeoBlue policies,” said Brendan Sharkey, Director of

Individual Products for GeoBlue.

Becoming a GeoBlue Xplorer Select member is simple and affordable: Applicants may qualify for short form underwriting and they will not need to provide any medical records or detailed health questionnaires. The underwriting process will be expedited, the assigned rates will not be based on the health history of the applicant, and maternity coverage will be available on the plan effective date.

GeoBlue individual health plans combine unsurpassed service and mobile technology to help expatriates and travellers access

trusted doctors and hospitals in over 180 countries. GeoBlue health plans meet all the requirements of state regulators in the U.S., providing buyers with products that meet mandates for benefits and provide important consumer protections when it comes to policy language, claims payment and appeals.

These plans are very competitively priced with those being offered by top carriers internationally.

GeoBlue Xplorer Select is available online at https://www. geobluetravelinsurance.com as well as through selected insurance brokers.

Health insurance News

NEW HEALTH INSURANCE PLAN FOR INDIVIDUAL EXPATRIATES AND LONG-TERM INTERNATIONAL LEISURE AND BUSINESS TRAVELLERS. ALLOWS WORLD TRAVELLERS WHO ARE IN THE U.S. MORE THAN 35 DAYS A YEAR TO MEET THE REQUIREMENTS OF THE AFFORDABLE CARE ACT (ACA) WHILE ENJOYING COVERAGE OUTSIDE THE U.S.

THE DEFINITIVE GUIDE TO INTERNATIONAL PRIVATE MEDICAL INSURANCE PLANS

WHAT IS GEOBLUE XPLORER SELECT速?

INTERNATIONAL HEALTH INSURANCE THAT COVERS YOU OUTSIDE THE U.S. The GeoBlue Xplorer Select health plan is designed to support the international lifestyles of those who travel from the United States for extended periods of business, leisure and study. If you leave home for six months or more, your health and financial security are at serious risk because of significant gaps in most available insurance coverage and services. This risk is only heightened by limited knowledge of health and safety hazards around the world, including medical treatment from unfamiliar providers.

GeoBlue Xplorer Select is the premier international health plan because it combines comprehensive worldwide benefits with a new generation of medical assistance services, which include an impressive array of online tools used to identify, access and pay for quality healthcare all around the world.

GeoBlue Xplorer Select gives you the freedom to choose any doctor or hospital outside of the United States, without incurring a financial penalty. When you access our profiled, elite provider community you can benefit from our direct billing arrangements in more than 180 countries.

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Sometimes it’s good to have a lot on your plate.

With a wide range of international health plans providing coverage for expats, travelers, students, missionaries and more; GeoBlue keeps your plate full of options.

Our network of elite physicians in over 180 countries extends an all-access pass to an exclusive level of care worldwide. And because each GeoBlue policy is U.S. licensed and offers the most complete set of benefits and services in the industry, you can feel confident that your clients expectations will be exceeded.

For more information: Visit: www.geobluetravelinsurance.com Call: 1 (855) 481-6647 or 1 (610) 254-5850 Email: sales@geo-blue.com

Š2014 GeoBlue. All Rights Reserved. GeoBlue is a trade name of Worldwide Insurance Services, LLC, an independent licensee of the Blue Cross and Blue Shield Association.

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GEOBLUE

MEET GEOBLUE, AN EXPERIENCE WELL BEYOND THAT OF TRADITIONAL HEALTH INSURANCE GeoBlue provides unsurpassed service and the convenience of mobile technology to access the best medical care no matter what town, country or time zone.

EASY ACCESS TO AN ELITE INTERNATIONAL PROVIDER COMMUNITY GeoBlue has a network of doctors from almost every specialty in over 180 countries to see you.

Only a small fraction of doctors around the world meet GeoBlue standards – participation is by invitation only. We seek out professionals certified by the American or Royal Board of Medical Specialties who speak English, and we factor in recommendations by over 148 Physician Advisors from all over the world.

Then we assemble in-depth profiles so our members can choose with confidence, and we put formal contracts in place to ensure patient access.

Once they’ve seen you, GeoBlue doctors bill us directly so you don’t have to file a claim.

PERSONAL SAFETY INTELLIGENCE GeoBlue maintains unsurpassed resources designed to promote personal safety by giving members convenient access to vitally important news, health and safety analysis and medical translation tools.

Global Health and Safety news alerts published daily and delivered by email or smart phone.

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Country and city profiles on crime, terrorism and natural disasters.

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Brand name equivalents for 400 common over-the-counter and prescription drugs in 42 of the most frequently visited countries.

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Translation of hundreds of medical terms and phrases into the 10 most widely spoken languages.

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AROUND-THE-CLOCK ASSISTANCE CALL CENTRE GeoBlue maintains a 24/7, toll-free call centre to assist GeoBlue members with everything from routine requests to medical emergencies. The GeoBlue staff has years of experience with international medical assistance and has close working relationships with its International Provider Community.

GEOBLUE’S GLOBAL HEALTH AND SAFETY SERVICES BECAUSE INSURANCE ISN’T ENOUGH Emergency Evacuation and Centres of Excellence GeoBlue coordinates emergency services with a worldwide network of contracted Physician Advisors as well as air ambulance operators selected for their safety records. Members in need of lifesaving medical intervention are treated in Centres of Excellence and around the world whenever possible.

PERSONALIZED MEMBER SERVICES Informed ChoiceSM When GeoBlue Xplorer Select members experience an unanticipated medical problem, they can request a second opinion and referral through the Informed Choice service. A GeoBlue International Physician Advisor is available to discuss the member’s diagnosis and treatment plan directly with the attending physician.

PERSONALIZED RECRUITMENT If members need a physician in an area not currently covered by the GeoBlue International Provider Community, GeoBlue will make every effort to recruit and contract with an appropriate, qualified doctor.

PERSONAL SOLUTIONS Members enjoy a full range of Personal Solutions.

Your online and mobile tools allow you to check medical symptoms, understand your health risks and access personalized prevention and wellness recommendations.

THE DEFINITIVE GUIDE TO INTERNATIONAL PRIVATE MEDICAL INSURANCE PLANS

PLANS WHY CHOOSE THE GEOBLUE XPLORER SELECT PLAN? GeoBlue is a recognized leader in international health insurance and medical assistance services, serving hundreds of thousands of world travellers annually.

Highest Standards of Service GeoBlue meets the highest expectations of quality. For medical care outside the U.S., members are free to see any provider and their benefits will remain the same.

Strength of a U.S. Regulated Insurer GeoBlue Xplorer Select is underwritten by a U.S. Licensed & Admitted Insurer: 4 Ever Life Insurance Company, rated A- (excellent) by A.M. Best.

As a credible health plan, GeoBlue Xplorer Select protects your rights by meeting U.S. standards and features benefits more generous than offshore, non-admitted “surplus coverage.�

Note: this plan is not required to meet certain regulations of the Affordable Care Act. TOP ADVANTAGES OVER COMPETING PLANS Provides an unlimited annual and lifetime maximum.

No waiting periods associated with any preventive services.

The pre-existing condition exclusion can be waived with proof of prior creditable insurance. Note: you need to stay continuously enrolled under a U.S. Primary Health Plan to meet the eligibility requirements of this plan.

Covers injuries or illnesses that are a result of a terrorist act.

No pre-certification required for inpatient and outpatient care.

Deductible is waived for office visits and a small copay applies.

Access to our elite providers can lead to better diagnosis, treatment and medical outcomes.

Our providers bill GeoBlue directly, which eliminates paperwork hassles.

The strength of Blue. GeoBlue Xplorer Select is offered in cooperation with certain local Blue Cross and Blue Shield companies, which collectively cover 1 in 3 Americans.

APPOINTMENT SCHEDULING AND CASHLESS ACCESS Using the web, a mobile device or the telephone, GeoBlue members can request appointments within the International Provider Community.

When Cashless Access services outside the U.S. are available, the copay and deductible are waived, and GeoBlue pays the participating physician directly.

Insurance underwritten by 4 Ever Life Insurance Company, Oakbrook Terrace, Illinois. NAIC #80985 under policy form series 54.1404. | The coverage requested may not be available. Medical Benefits underwritten by 4 Ever Life Insurance Company, an independent licensee of the Blue Cross and Blue Shield Association.

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iPOLICY

l HOW TO APPLY

l ELIGIBILITY

Applications are available online or may be initiated by telephone or email.

GeoBlue Xplorer Select is designed for extended living abroad. You can choose to enrol in a new plan when your existing plan expires.

A personal check, money order or credit card number must accompany the application and must be sufficient to pay for one month of standard premium. If your application is accepted, the payment will be applied to your account.

Quotes obtained online or by telephone are advisory only. Actual premium is determined by the medical underwriting process.

GeoBlue will review your medical history as provided on the application. Not all applicants will be accepted.

Your effective date of insurance will be on the 1st or 15th day of the month following underwriting approval. l MEMBER WELCOME KIT

When you do, there are no medical questions and premium rates do not change based on your individual claims history. Your new rate will be the same as all persons covered in your rating class. l HOW COVERAGE ENDS

Your coverage ends on the earlier of: 1

The last day of the month after the date the Insured Person is no longer eligible; 2

The end of the last period for which premium has been paid; 3

The date the Policy terminates;

4

The date of fraud or misrepresentation of a material fact by the Insured Person, except as indicated in the Time Limit on Certain Defenses provision.

When your application is accepted, GeoBlue will mail you and any family members covered under the plan a Welcome Kit with identification cards, a certificate of insurance and instructions on how to register online.

l EXTENSION OF BENEFITS

Procedures for filing a claim or requesting direct payment of participating providers will also be included.

If an Insured Person is Totally Disabled on the date of termination of the Policy, coverage will be extended until the earlier of:

l AFFORDABLE CARE ACT NOTICE

This plan is filed as a limited duration policy designed specifically for International living.

The plan is exempted from certain ACA provisions.

Coverage can be accepted or denied based on the health history of the applicant(s).

1

The date payment of the maximum benefit occurs; 2

The date the Insured person ceases to be Totally Disabled; or 3

The end of 90 days following the date of termination.

For benefits, rates, exclusions, eligibility and other important information, please contact GeoBlue. GeoBlue is the trade name of Worldwide Insurance Services, LLC, an independent licensee of the Blue Cross and Blue Shield Association. Made available in cooperation with Blue Cross and Blue Shield companies in select service areas. GeoBlue Xplorer Select NB Does not include coverage in the United States. Prices are subject to change.

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GEOBLUE

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FAST FACTS EST: 2011 GEOGRAPHY: GLOBAL HQ: USA EMPLOYEES: 50+ SECTOR: iPMI

+1 610 254 5850 +1 610 482 9953 customerservice@geo-blue.com geobluetravelinsurance.com One Radnor Corporate Center 100 Matsonford Road Suite 100 Radnor, PA 19087 USA

Setting the industry standard, GeoBlue’s mission is to provide peace of mind to long-and short-term global travellers by offering competitive insurance protection and technology-powered assistance, including an elite community of thousands of carefully selected, contracted doctors and hospitals in almost every country in the world as well as its signature destination databases, mobile tools and conciergelevel services.

The scope of GeoBlue’s services and technology creates a complete, reliable, convenient way to keep international travellers and expats healthy and productive.

GeoBlue launched in 2011 for group products. In 2012 GeoBlue started offering individual products.

Prior to becoming a Blue licensee, plans were sold under the HTH Worldwide name.

HTH was founded in 1997.

THE DEFINITIVE GUIDE TO INTERNATIONAL PRIVATE MEDICAL INSURANCE

Health insurance News

CONTACT

GeoBlue is the trade name for the international health insurance programs of Worldwide Insurance Services, an independent licensee of the Blue Cross and Blue Shield Association.

Health insurance News

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E V I T A V O INN | International Medical Insurance | Expatriate Health Insurance

NEW BROKER QUOTE TOOL LAUNCHES FOR INDIVIDUAL EXPATRIATE BROKERS

CIGNA GLOBAL INDIVIDUAL PRIVATE MEDICAL INSURANCE HAS ANNOUNCED THE LAUNCH OF A NEW ONLINE BROKER QUOTE TOOL MAKING IT EASIER THAN EVER BEFORE FOR INTERNATIONAL HEALTH INSURANCE BROKERS TO BUILD AND COMPARE QUOTES FOR THEIR CLIENTS.

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rers making life u s in h lt a e h e We look at th ediaries rm te in d n a r e k easier for bro

Health insurance News

Cigna Global Individual Private Medical Insurance has announced the launch of a new online Broker Quote Tool making it easier than ever before for international health insurance brokers to build and compare quotes for their clients.

The launch is the latest in a line of technology investments from the international insurer which is aiming to become the broker’s carrier of choice.

Phil Austin, Head of Global Individual Private Medical Insurance at Cigna said, “We spent time listening to what brokers need when building quotes for clients. The focus has been on developing a tool that is as quick and easy to use as possible, whilst still providing really useful functionality which improves the broker / client journey. I truly believe this tool will be a great asset for international health insurance brokers.”

The Broker Quote Tool is available now for all registered Cigna Global brokers. To register, click here.

FEATURES COMPARE UP TO THREE SIDE-BYSIDE QUOTES IN SECONDS; CREATE A PROFESSIONAL PDF QUOTE INSTANTLY; USE THE TOOL WITHOUT LOGINS, EACH BROKER HAS THEIR OWN UNIQUE URL LINK; EMAIL QUOTES TO CLIENTS DIRECTLY FROM THE TOOL IN A PROFESSIONAL QUOTE PACK DOCUMENT CONTAINING THE BROKER’S CONTACT DETAILS; SAVE AND RETRIEVE QUOTES.

For more information about Cigna Global and how you can start offering international health insurance plans, visit www.cignaglobal.com/intermediaries.

Health insurance News

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WILLIS 1ST TO LAUNCH MEDICAL PLANS WITH PRE-ASSIGNMENT MEDICAL SCREENING 8 SPECIAL FEATURE OF THE MEDICAL PLAN IS ACCESS TO ONLINE PREASSIGNMENT MEDICAL SCREENING FO R E M PLOY E E S A N D T H E I R DEPENDENTS.

Thursday, 18 September 2014 00:00

iPOLICY | International Medical Insurance | Expatriate Health Insurance

Benefits, said, “One of the key concerns our multinational clients raise is in relation to assignment failure.

The benefits of pre-assignment screening are wide-ranging and it is an excellent risk mitigation tool for managing some of the broader risks associated with a globally mobile workforce.

By integrating this within the medical plan we are able to deliver to our clients a more effective solution.”

For risk managers, the screening allows the provision of management information on medical risks associated with the location, specific to the employee and their family, prior to the assignment taking place and information on the potential long term cost implications for the organisation.

For HR professionals, it allows an auditable process through which employers can fulfil their duty of care requirements by facilitating pre-trip advice and guidance which is specific to the individual’s medical needs and location of assignment. This simple feature also acts as a method of reducing employee liability exposure.

Martin Garcia, CEO of Now Health International, said, “Now Health is well placed to provide fast, accurate service to those employees who need access to healthcare anywhere in the world.

The partnership with Willis and Healix offers a truly unique offering in the market today.” l

Health insurance News

Willis Employee Benefits Limited has partnered with Now Health International and Healix International to offer clients with fewer than 99 expatriates unique, flexible and affordable medical plans designed to fulfil employees’ healthcare needs outside their home country.

A special feature of the medical plan is access to online pre-assignment medical screening for employees and their dependents.

Michelle Bishop, Client Development Manager, Willis Employee Benefits, said, “There are limited products available on the market that enable up-front risk management specific to an employee’s health. This will be the first medical plan to include preassignment screening as standard.”

Willis believes that many of the illnesses and health related problems suffered by business travellers and expatriates whilst overseas are both predictable and preventable. However large numbers of business travellers, expatriates, and their families are sent overseas with pre-existing medical conditions and little or no knowledge about how those conditions may best be managed in their destination countries. This results in significant disruption, failed assignments, and, in many cases, serious illness, unplanned medical evacuations and significant costs.

Tony Powis, CEO of Willis Employee

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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.

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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

iPOLICY | International Medical Insurance | Expatriate Health Insurance

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CIGNA PLANS TOP-RANKED IN ARIZONA - NCQA’S PRIVATE HEALTH INSURANCE PLAN

Wednesday, 18 June 2014

Cigna (NYSE: CI) has the top-ranked Health Maintenance Organization/ Point of Service (HMO/POS) and Preferred Provider Organizationtype (PPO-type) plans in Arizona, according to National Committee for Quality Assurance’s (NCQA’s) Private Health Insurance Plan Rankings 2014–2015.

The rankings are based on NCQA’s measurement of a health plan’s performance in three categories: improving health care quality, providing responsive customer service and achieving high scores on NCQA accreditation surveys.

“NCQA’s rankings give us valuable insights into Cigna’s areas of strength and areas for further improvement, enabling us to

better understand and meet the needs of our customers,” said Edward Kim, president and general manager for Cigna in Arizona.

“We are pleased by this recognition of our quality, achieved by working together with the Cigna Medical Group staff and local health care systems and professionals.”

NCQA is a private, non-profit organization dedicated to improving health care quality. NCQA accredits and certifies a wide range of health care organizations. It also recognizes clinicians and practices in key areas of performance.

NCQA’s Healthcare Effectiveness Data and Information Set (HEDIS®) is the most widely used performance measurement tool in health care.

The rankings are based on the

voluntary submission of health care quality results as measured through HEDIS®, customer service scores based on customer surveys through Consumer Assessment of Healthcare Providers and Systems (CAHPS®) and participation in NCQA’s accreditation program for health plans.

In total, some 617 private health plans are included in the rankings; 507 are given a numerical ranking

by NCQA. The rankings included the HMO/ POS plans by Cigna HealthCare of Arizona, Inc., and PPO and Open Access Plus plans from Cigna Health and Life Insurance Company and Connecticut General Life Insurance Company. l

*Cigna HealthCare of Arizona’s national ranking is 165; the national ranking for Cigna Health and Life Insurance Company and Connecticut General Life Insurance Company is 256.

Health insurance News

8 RANKINGS ARE BASED ON NCQA’S MEASUREMENT OF A HEALTH PLAN’S PERFORMANCE IN THREE CATEGORIES

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iPOLICY | International Medical Insurance | Expatriate Health Insurance

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CIGNA INSPIRE: REFRESHED, UPDATED AND STRENGTHENED

Tuesday, 30 September 2014 08:58

Health insurance News

8 CIGNA INSPIRE IS A BENEFITS PACKAGE WITH A WIDE RANGE OF BENEFITS AND DIFFERENT LEVELS OF COVER, ALLOWING YOU TO CHOOSE FROM 3 COMPREHENSIVE PLANS. EACH PLAN OPTION PROVIDES PEACE OF MIND AND SECURITY, LEAVING YOU AND YOUR EMPLOYEES SAFE IN THE KNOWLEDGE THAT THE MEDICAL NEEDS AND WELL-BEING OF THEIR FAMILY WILL BE TAKEN CARE OF WHILE WORKING FOR YOUR COMPANY. WATCH THE SHORT VIDEO TO FIND OUT MORE, CLICK HERE.

THE DEFINITIVE GUIDE TO INTERNATIONAL PRIVATE MEDICAL INSURANCE

With access to over one million hospitals, doctors and care specialists globally, Cigna Global customers are never far from the treatment they need, regardless of where they are in the world.

A 24/7 specialist claims centre and direct claims settlement in most cases takes the worry out of health care whilst living abroad.

We have worked hard on becoming the carrier of choice for brokers. With a new Broker Quote Tool providing three side-by-side quotes in seconds, a suite of three products designed to be flexible enough to handle even the most complex of customer requirements, and a multilingual sales support team just a call away, Cigna is the easy choice.

Health insurance News

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DMCC LAUNCHES EXCLUSIVE HEALTH iNSURANCE SOLUTION FOR ALL FREE ZONE MEMBERS 8 THE DMCC HEALTH INSURANCE SOLUTION IS OFFERING A SELECTION OF PLANS TO CATER TO ALL FREE ZONE MEMBER COMPANIES.

Health insurance solution launched in collaboration with Insure Direct (Brokers) LLC, underwritten by Daman; Tailor-made for DMCC’s members companies of all sizes so startups and SMEs can avail of insurance solutions usually only available to large corporates.

DMCC, the global gateway for commodity trade and enterprise in Dubai and the region, in conjunction with Insure Direct (Brokers) LLC, a Jardine Lloyd Thompson Group company and National Health Insurance Company - Daman, launched an exclusive health insurance solution for all DMCC’s Free Zone member companies this morning.

Gautam Sashittal, Chief Executive Officer, DMCC, said, “A key element of DMCC’s long-term Free Zone strategy is our commitment to provide member companies with the products and services they require to innovate, grow and succeed here in Dubai.”

“We are pleased to announce that the DMCC Free Zone are able to offer all members - whether a

startup, SME or large corporation - in collaboration with Insure Direct (Brokers) LLC, a Jardine Lloyd Thompson Group company and Daman, access to an exclusive health insurance solution usually only available to large corporates. There are several packages to choose from with some benefits included such as pre-existing conditions coverage and fixed premiums for all age categories”, added Krysta Fox, Director of Free Zone, DMCC. Kenneth Maw, Managing Director, Insure Direct (Brokers) LLC, said, “As a part of the Jardine Lloyd Thompson group of companies, we are one of the world’s largest providers of insurance, reinsurance and employee benefits related advice, brokerage and associated services. Partnering with DMCC and Daman allows us to broaden our network to offer comprehensive and cost-effective solutions that complies with the DMCC Free Zone regulations as well as the forthcoming health insurance law of Dubai.”

iPOLICY | International Medical Insurance | Expatriate Health Insurance

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and SMEs can avail of world-class insurance solutions and comprehensive benefits that are usually only available to large corporates. While there are several options to choose from, all policy holders will benefit from pre-existing conditions coverage and fixed premiums for all age categories.

Kenneth Maw, Managing Director, Insure Direct (Brokers) LLC, said, “As a part of the Jardine Lloyd Thompson group of companies, we are one of the world’s largest providers of insurance, reinsurance and employee benefits related advice, brokerage and associated services. Partnering with DMCC and Daman allows us to broaden our network to offer comprehensive and cost-effective solutions that complies with the DMCC Free Zone regulations as well as the forthcoming health insurance law of Dubai.”

Dr. Sven Rohte, Chief Commercial Officer, Daman, commented, “We are pleased to collaborate with DMCC and Insure Direct (Brokers) LLC to offer our award-winning holistic, and comprehensive health insurance plans to DMCC Free Zone member companies of all sizes. This new collaboration will provide members with health insurance solutions that are bespoke and relevant to their needs.”

Health insurance News

Providing this exclusive health insurance solution for its member companies has been high on the DMCC’s agenda especially as the new Emiratewide health strategy governed by the Dubai Health Authority is set to take effect next month. The health insurance solution has been tailor-made exclusively for DMCC’s members so that startups

108 Medical Chambers at 108 Harley Street is a consultant-led and delivered independent clinic offering the highest standards of professional care with a minimum of delay in relaxing and friendly surroundings.

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The specialist clinics located at 108 Harley Street are:

The London Breast Clinic – Fully integrated breast care service for all benign and malignant disease with on site digital mammography, ultrasound, cytology and core biopsy allowing rapid diagnosis. Breast screening, genetic and family review also available on site.

The London Skin Clinic – Experts offer same day consultation and surgery under local anaesthetic for conditions including melanoma, skin cancer, cysts and other benign lesions, together with diagnosis and treatment of general dermatological conditions.

The Gilmore Groin and Hernia Clinic – Over 30 years’ experience of the diagnosis and treatment for sportsmen and sportswomen with Groin Disruption / Sportsman’s Groin (Gilmore’s Groin) and adductor injuries, together with herniae of all types both primary and recurrent. Both open and laparoscopic repair are available as appropriate.

The London Rectal Clinic – Expert opinion and treatment of inflammatory bowel disease including ulcerative colitis and Crohn’s disease, malignant and benign disease of the colon and rectum including rectal bleeding, haemorrhoids, pilonidal sinus, fissure and fistula. Bowel cancer screening is also available.

The London Sports Injury Clinic – A cutting edge, multidisciplinary service that specialises in non surgical solutions for sports and orthopaedic injuries. In addition the clinic focuses on human performance and wellness. “You don’t have to be a professional athlete to be treated like one”.

108 X-ray and Imaging – Rapid access to full field digital mammography, ultrasound and where appropriate needle aspiration cytology or core biopsy.

A full range of plain film investigations, general ultrasound including abdominal, gynaecological and small part imaging. A full breast screening service is also available.

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iPOLICY | International Medical Insurance | Expatriate Health Insurance

AETNA INTERNATIONAL & STARR COMPANIES LAUNCH ULTRACARE HEALTH PLAN

Wednesday, 24 September 2014 08:51

Aetna and Starr Property & Casualty Insurance (China) Company Limited (Starr China) today launched the redesigned UltraCare, a series of products that help expatriates based in China as well as Chinese nationals, access high-quality health care that better addresses their medical needs.

Expatriates and Chinese nationals will have access to in-country and global coverage, including an optional United States offering through four flexible, affordable health plans. These plans are UltraCare Standard, UltraCare Select, UltraCare Comprehensive and UltraCare Elite. UltraCare is underwritten by Starr China, a company possessing an A- (Excellent) rating from A.M. Best Company,

and administered by Aetna (Shanghai) Enterprise Service Co. Ltd., an Aetna company in the Aetna International business.

“In response to the Chinese government’s call for better commercial health insurance products, and in recognition of the huge unmet needs from consumers, we have upgraded UltraCare to ensure it remains the market-leading product for health coverage and proactive health management at a competitive price,” said Dr. Yehong Zhang, general manager of Aetna International, Greater China. “With UltraCare, we are delivering a flexible and customizable product that appeals to both expatriates and Chinese nationals while

providing the strength and peace of mind of a global health care network.”

“We are proud to partner with Aetna International to offer comprehensive health insurance solutions within China and to provide our customers with convenience and security,” commented Xiao Chen, president & general manager of Starr China.

All aspects of policy issuing, claims assessment and payments are handled in China as well as bilingual staff service for both international and local customers. l

Health insurance News

8 HIGHLIGHTED BENEFITS OF ULTRACARE INCLUDE COVERAGE FOR CANCER TREATMENT INCLUDING PALLIATIVE CARE AND CONGENITAL CONDITIONS.

Health insurance News

42 |

ALLIANZ WORLDWIDE CARE ENTERS LIFE AND DISABILITY MARKET 8 ADDITION OF NEW PRODUCTS MEANS THAT THE COMPANY’S CLIENTS AND BROKERS CAN NOW SOURCE MULTIPLE INSURANCE OPTIONS FROM 1 INSURER.

Monday, 22 September 2014 10:18

iPOLICY | International Medical Insurance | Expatriate Health Insurance

Allianz Worldwide Care has announced the launch of a new product range that will offer life and disability cover alongside international health, giving corporate clients access to an enhanced portfolio of products.

The addition of new products means that the company’s clients and brokers can now source multiple insurance options from one insurer, making the purchase of comprehensive health and life insurance solutions simple and straightforward.

Ron Buchan, Chief Executive of Allianz Worldwide Care said, “We can now offer corporate clients and their brokers the convenience of sourcing a range of insurance products from a single insurer. These products are all key elements of an employee benefits package, helping our clients to attract and retain staff. For corporate HR, there are cost benefits as well as efficiencies in terms of the number of relationships they need to manage throughout the year when it comes to incepting and renewing policies and paying premiums.

Plus, we can offer clients a global

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solution, with one system for reporting and policy administration, regardless of the product combination they have chosen.”

Susan Landers, Head of Marketing and Client Management added, “We can offer life and disability cover tailored to each client’s needs, whether they are small, medium or large groups. As well as the convenience of having a number of products with one insurer, this will also be commercially attractive, as clients who choose more than one type of product will benefit from a premium discount.”

The introduction of these new products follows the July 2014 merger of Allianz Worldwide Care Ltd with the international divisions of Allianz France, which was a naturally evolving step due to the similarities of these businesses.

The merger has resulted in the creation of a new entity, Allianz Worldwide Care SA, which has a single license to underwrite health and life insurance and is regulated by the French Regulator. l

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A+ INTERNATIONAL HEALTHCARE ANNOUNCES NEW PARTNERSHIP WITH AXA

Thursday, 11 September 2014 07:40

In addition, its evacuation and repatriation services are now supported by AXA Assistance.

Because of its robust business growth and new market developments, A+ International Healthcare has attained new levels and therefore new needs.

AXA, with a top Standard and Poor’s rating, has the capacity to offer A+ International Healthcare locally compliant support on a worldwide scale. The A+ International Healthcare and AXA partnership starts initially in Hong Kong and will develop rapidly throughout the Asia Pacific region, ultimately

to anywhere across the globe.

“We share the same fundamental corporate values – both A+ International Healthcare and AXA are about people and high quality services,” said Jean-Claude Breteau, Chief Executive of A+ International Healthcare. “With AXA’s support, A+ International Healthcare will provide additional benefits and services on top of the original covers. We now have the capability of extending our product range to all Hong Kong residents, expatriates and local nationals alike. In the very near future, A+ International Healthcare will offer

new innovative plans to cater to even more levels of service for both individuals and groups. We see a steady growth of health insurance in the global market, increased consumer awareness and wellbeing consciousness are driving up the demand, along with the increase in individual global mobility. There is a high need for excellent international and local healthcare services. A+ International Healthcare and AXA together see promising opportunities in the growing market and are convinced this new partnership will bear fruits very rapidly.” l

Health insurance News

8 A+ INTERNATIONAL HEALTHCARE AND AXA HAVE REACHED AN AGREEMENT WHEREBY A+ HONG KONG INDIVIDUAL POLICIES ARE NOW UNDERWRITTEN BY AXA GENERAL INSURANCE HONG KONG LIMITED, A+ HONG KONG GROUP POLICIES ARE UNDERWRITTEN BY AXA CHINA REGION INSURANCE COMPANY LIMITED, AND POLICIES OF THE REST OF THE WORLD ARE UNDERWRITTEN BY AXA FRANCE VIE.

Health insurance News

46 |

iPOLICY | International Medical Insurance | Expatriate Health Insurance

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NEW ZEALAND’S SECOND LARGEST HEALTH INSURANCE PROVIDER LAUNCHES INTERNATIONAL HEALTH INSURANCE COVER Tuesday, 09 September 2014 07:49

8 NIB, NEW ZEALAND’S 2ND LARGEST HEALTH INSURANCE PROVIDER, HAS LAUNCHED AN INNOVATIVE NEW PRODUCT. offshore can now make sure their employees’ health care costs are covered if anything goes wrong.

Organisations sending employees overseas can obtain comprehensive health cover before they leave without a prior medical examination,” Mr Hennin said. Mr Hennin said that although New Zealand, compared to other countries, has a relatively accessible health system, this cannot be said for other countries.

“New Zealand has one of the most enviable health care systems in the world, in terms of affordability, access and quality of care. The things we as New Zealanders take for granted, like visiting a GP or accessing pharmaceuticals, in some parts of the world are very expensive or just difficult to access. nib global health will provide customers with access to an international network of hospital and medical providers,” Mr Hennin said. nib has partnered with insurer AXA PPP International to deliver the new nib global health cover. Under the strategic alliance, nib will underwrite the cover with AXA to service the product including providing 24 hour customer assistance, claims management and access to their worldwide provider network. nib provides health insurance to more than 1.1 million New Zealand and Australian customers. nib global health is the first international private medical insurance product offered by the company, with plans to expand the product into Australia within the next 18 months. l

Health insurance News

nib global health will provide comprehensive health and medical insurance cover to Kiwis in most countries around the world. nib New Zealand, CEO, Mr Rob Hennin, said the launch of the product was to capitalise on the growing trend of New Zealanders travelling and working overseas for extended periods.

“There are more than 800,000 New Zealand citizens living or working abroad, with more than 45,000 Kiwis going overseas for an extended period each year,” Mr Hennin said.* “Our research has shown that a lot of these people rely on travel insurance or in some cases don’t have any insurance for medical and health expenses when outside of New Zealand. However, for extended stays, travel insurance is simply not a comprehensive form of insurance to cover health and medical costs, which in some cases can result in significant outof-pocket health costs and even worse, people not being able to access the level and type of cover they may urgently need. nib global health provides peace of mind for customers, knowing they will be able to access and afford the health care and treatment they need before travelling, living or working overseas,” he added. nib said it expects its nib global health cover range will be very attractive to New Zealand organisations who have employees about to work or travel overseas.

“Organisations with employees about to head

Health insurance News

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AXA PPP HEALTHCARE INTRODUCES ONLINE GLOSSARY TO HELP PATIENTS UNDERSTAND COMMON MEDICAL TERMS 8 GOOD DOCTOR-PATIENT RELATIONS DEPEND ON GOOD COMMUNICATION AND, WHILST MOST PATIENTS (62 PER CENT) SAY THAT THEY UNDERSTAND WHAT THEIR GPS ARE TELLING THEM, NEARLY A THIRD (31 PER CENT) FIND OTHERWISE, LEAVING MOST OF THIS GROUP (73 PER CENT) FEELING CONFUSED, ANXIOUS OR UNEASY.

Patients come to GP appointments with varying levels of knowledge and experience of medical matters and it can be difficult for GPs to gauge whether their patients are taking in what they’re saying. It’s therefore reassuring that, according to the findings of an AXA PPP healthcare poll of 2000 patients who have seen their GP in the last 12 months, more often than not GPs are getting it right. To get a better feel for patients’ knowledge of some commonly used medical terms, AXA PPP asked survey respondents to answer eight multiple choice questions: CT scan – 4 out of 10 know the correct meaning Whilst 43 per cent correctly identified CT as the abbreviation for computerised tomography, nearly a third (32 per cent) thought it meant cranial thermal scan and 11 per cent said it meant computerised torso scan.

Ganglion – 5 out of 10 know the correct meaning Whilst 45 per cent correctly identified it as a harmless cyst, 25 per cent thought it was a skin tag or hanging nodule and 6 per cent thought it was a cancerous swelling.

Somnambulism – 5 out of 10 know the correct meaning

Whilst 51 per cent correctly identified the commonly used meaning (sleepwalking), 33 per cent didn’t know and 12 per cent thought it was an ear infection.

Hypertension – 6 out of 10 know the correct meaning Whilst 59 per cent correctly identified it as high blood pressure, over a quarter (27 per cent) thought it meant anxiety or stress and 6 per cent plumped for hyperactive disorder.

MRI scan – 7 out of 10 know the correct meaning Whilst 65 per cent correctly identified it as magnetic resonance imaging, nearly a fifth (17 per cent) thought MRI stood for multiple radiation investigation and 9 per cent went for mass radiation inventory.

Fracture – 8 out of 10 know the correct meaning Whilst over three quarters (77 per cent) correctly identified a fracture as a broken bone, 13 per cent thought it meant a sprained bone and 5 per cent thought it was a torn muscle.

Benign – 8 out of 10 know the correct meaning Whilst most (79 per cent) identified the best meaning of benign as not harmful in effect, 7 per cent thought it meant a terminal illness and a further 5 per cent thought it meant life limiting or disabling.

iPOLICY | International Medical Insurance | Expatriate Health Insurance

noted, “Whilst, generally speaking, most people seemed to know the meaning of these medical terms, a surprisingly large proportion did not. Good communication is a two-way process so it is important for GPs to remember that a sizeable minority of their patients may not have sufficient knowledge or understanding to take in what they’re saying.”

Although most patients (74 per cent) did ask their GPs to explain what they meant when they hadn’t understood something, nearly a quarter did not: 11 per cent said nothing because of embarrassment, with 10 per cent doing likewise because they didn’t want to waste their doctor’s time. Three per cent gave up altogether and went to see another doctor.

“Whilst some patients can find it intimidating to question their GP when they don’t understand what they’ve said, patients should remember that their doctor is there to help them and they shouldn’t be afraid or embarrassed to ask their doctor to explain what they mean,” Dr Bolger added.

Pressure of time can also be an issue for some patients, as a fifth (21 per cent) of those surveyed felt their GP didn’t take enough time to explain things to them in terms they can understand, with over half of this group attributing this to lack of time, which may be unsurprising given an average appointment time of 8 to 10 minutes.

Read more like this at ipmimagazine.com l

Health insurance News

Haemorrhage – 8 out of 10 know the correct meaning Whilst 81 per cent knew that a haemorrhage was an escape of blood from a ruptured blood vessel, 8 per cent thought it was another word for piles and 5 per cent confused it with a hernia, thinking it was a protrusion through the abdominal wall.

Older patients consistently outperformed their younger counterparts in correctly identifying these medical terms, which may be attributable to their having had more opportunities to hear of and/or experience them. For instance, 52 per cent of 18 to 24 year olds correctly identified hypertension as high blood pressure, compared with 69 per cent of those aged 55+.

Sixty-three per cent of 18 to 24 year olds knew a fracture was a broken bone, compared with 91 per cent of those aged 55+. And, regarding benign, 65 per cent of 18 to 24 year olds thought it meant not harmful in effect, compared with 92 per cent of those aged 55+. Ten per cent of 18 to 24 year olds even identified benign as meaning terminal, compared with 4 per cent of those aged 55+.

Women generally outperformed men in correctly identifying the medical terms. For instance, 85 per cent of women identified haemorrhage as an escape of blood from a ruptured blood vessel, compared with 77 per cent of men. For hypertension the figures were 67 per cent and 49 per cent, respectively, and for benign they were 82 per cent and 75 per cent.

AXA PPP’s chief medical officer Dr Gary Bolger

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Health insurance News

50 |

DAMAN ISSUES 1ST ESSENTIAL BENEFITS PLAN UNDER DUBAI MANDATORY HEALTH SCHEME 8 THE NATIONAL HEALTH INSURANCE COMPANY – DAMAN, TODAY ISSUED THE FIRST HEALTH INSURANCE POLICY UNDER THE DUBAI MANDATORY HEALTH SCHEME. THE POLICY WITH GINCO GENERAL CONTRACTING, A PROMINENT REGIONAL CONTRACTING FIRM, WILL PROVIDE HEALTH INSURANCE COVER FOR ITS DUBAI-BASED STAFF.

iPOLICY | International Medical Insurance | Expatriate Health Insurance

of the seven insurers who successfully passed the additional qualification criteria to attain ‘Participating Insurer’ (PI) status. This status, in addition to the Health Insurance Permit, allows Daman to provide health insurance plans, including the EBP, to employees earning AED 4,000 or less a month.

GINCO expects that more than 1,500 employees would be enrolled in the policy by the end of the year as a result of its successful growth.

GINCO General Contracting General Manager, Eng. Jamal Abdullfattah said, “Our employees are our most valuable asset and it is essential that we are able to offer them a secure health insurance scheme. We are delighted to sign up with Daman; a company with an excellent reputation and a strong track-record of success in the UAE. We are confident that the new partnership with Daman will prove beneficial to the well-

being of our employees and help with the success of our company.”

Dr. Sven Rohte, Daman’s Chief Commercial Officer, added, “As the country’s leading health insurer, we pride ourselves on our worldclass standard of services and truly believe that this is an integral step towards strengthening our position in the market. With our newly-awarded status of ‘Participating Insurer’ (PI) by DHA, we believe that this is the first of many successful contracts to follow.”

The announcement followed an event held at GINCO’s offices where Daman’s Chief Commercial Officer handed an enlarged Daman EBP card to the first beneficiary of the policy who was the employee with the best Health and Safety record last month. l

Health insurance News

Daman will provide health insurance cover to GINCO employees via its Essential Benefits Plan [EBP], which is the basic health insurance package of Dubai Health Authority’s (DHA) mandatory insurance scheme designed for workers earning AED 4,000 or less a month.

The EBP covers a range of necessary healthcare procedures such as: access to all essential health services, access to general physicians, referral to specialists, tests and investigations, surgical procedures and maternity care.

Dr. Michael Bitzer, Daman’s Chief Executive Officer, said, “Today’s announcement marks an important milestone in Daman’s history. We are pleased to be one of the participating insurers which allow us to serve the whole Dubai community. We also welcome GINCO employees to Daman and look forward to serving them.”

In April, Dubai Health Authority announced that Daman was one

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iPOLICY | International Medical Insurance | Expatriate Health Insurance

NOW HEALTH INTERNATIONAL ANNOUNCES PREMIUM AND BENEFIT CHANGES Tuesday, 22 July 2014 13:58

8 NOW HEALTH INTERNATIONAL ANNOUNCES DETAILS OF THREE WORLDCARE REVIEWS FOR THEIR AXA-UNDERWRITTEN BUSINESS

AXA-underwritten business Benefit changes:

Admitted Singapore business Benefit changes: Enhancements to the renal failure and dialysis, hospital cash and ancillary charges benefits have been made. A new additional option for the Essential plan has also been added, specifically for Singapore members, offering a small amount of cover for outpatient treatment, physiotherapy care and the maintenance of chronic conditions.

Now Health has secured the ability to write groups of 5-9 employees on a Medical History Disregarded basis. Terms are being offered on Premium changes: Based rates a case -by- case basis and for both individual and group intermediaries should contact business will increase from between Now Health for more details.

10.5% to 12.8% depending on the plan option chosen.

For those clients resident in Africa, the area of coverage discount has Admitted China business been improved from 5% to 10%. Benefit changes: Premium changes: Base rates for both individual and group business will increase from between 2.5% to 5% depending on the geographical area chosen.

Child-Only policies are closed to new business from 11 July and renewal options for existing customers are available on a caseby-case basis. The organ transplant and maternity benefits have been amended, two new exclusions have been introduced for preexisting medical conditions and

external prosthesis, and a new defined term ‘Related conditions’ has been added. A new high cost provider, the Shanghai East Medical Centre now available in addition to the current list.

Premium changes Base rates for both individual and group business will increase by 12.5% for all policies and for business booked on a continuous transfer terms basis, a 3% loading will apply. l

Health insurance News

Now Health International, announces details of three WorldCare reviews for their AXA-underwritten business, their admitted Singapore product fronted by Tenet Sompo and their admitted China product fronted

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