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CIGNA MEDICAL INSURANCE PLANS GO MULTILINGUAL MEDICAL INSURANCE PLANS IN GERMAN FRENCH DUTCH AND SPANISH FRONT COVER Mr. Phil Austin, Head of Global IPMI CIGNA International

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iPOLICY >> International Medical Insurance | Expatriate Health Insurance

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FEATURED CONTENT 17 | ALLIANZ WORLDWIDE CARE LAUNCHES HEALTHCARE PLAN FOR SEAFARERS

19 | ALC Health Reports A 38% Growth In Global Medical health Insurance

48 | Archipelago Insurance Ltd Enters Malaysian Medical Insurance Market

25 | Complete Critical Illness Protection With Value-added Health Services

49 | Pacific Prime Clients with Aetna Gain New Medical Insurance Options in Saudi Arabia

27 | The 1st Pre-paid Health Insurance Company With Certified Quality

50 | IMG Europe Launches Short-Term Travel And Expat Medical Insurance Plan Range

29 | Unique Health Insurance Plan Helps Bridge Healthcare Affordability Gap

51 | Health Integrated Helps New Health Insurance Cooperative Go live

31 | New Medical Insurance Plan Provides More Kenyans With Affordable Health Insurance

52 | International Medical Group Enhances Its Marine Group Medical Insurance Program

33 | Allianz Worldwide Care: New Benefits And Enhancements To Standard Healthcare Plans

55 | Catastrophic Flood Insurance For River Basin People IN Bangladesh

35 | ALC Health Adds More Tools to ALC World, Dedicated Online Member Service

57 | Cigna Launches New International Health Insurance Plans for Individuals

37 | Aviva Significantly Enhances Its International Private Medical Insurance

59 | New Cover For The Untapped Seafarers Market From Globality Health

39 | New Partnership Offering Enhanced International Health Insurance Options

61 | ALC Health Extends Their Range Of Prima Healthcare Plans Providing Even More Options

41 | GeoBlue速 Makes Medical Care More Convenient for Global Travelers

63 | Ultracare Power Launched For Oil And Gas Industry

43 | GeoBlue速 Introduces Global EAP Services for Expats

65 | MH Ross Unveils Enhanced Asset and Asset Plus Travel Insurance Plans

44 | Jubilee Insurance and Bupa International Launch a Regional IPMI Product

67 | Hiscox Launches First Anti-Bribery Insurance And Response Product

47 | Willis Launches FLIER, a New Policy Designed to Cover Repatriation Costs

69 | Your News Story Here

iPolicy | Contents | March 2014

iPolicy Contents

15 | CIGNA INDIVIDUAL MEDICAL HEALTH INSURANCE PLANS GO MULTILINGUAL

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WELCOME TO

iPOLICY Welcome to the 1st Edition of iPMI Magazines Medical Insurance Broker and Intermediary eZINE, iPOLICY. Rounding up the last 2 Quarters most important International Medical Insurance Plan and Product News, iPOLICY is the essential digital report designed specifically for Brokers and Intermediaries by Leading Global Insurance Companies.

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Mr. Phil Austin, Head of Global Individual Private Medical Insurance at CIGNA International. Read a complete interview with Phil at www. ipmimagazine.com.

Head for the interview section under Features.

Get in touch with iPMIM 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.

Hello!

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iPOLICY >> International Medical Insurance | Expatriate Health Insurance

15

CIGNA INDIVIDUAL HEALTH INSURANCE PLANS GO MULTILINGUAL FEATURES

Tuesday, 11 February 2014 11:22

8 Widening capabilities for brokers to offer a one-stop shop for

expatriates globally. Medical insurance plans in German, French, Dutch and Spanish.

Chief Operating Officer for Cigna Global Health Options, Jim Bruce, provided some background as to Cigna’s decision to harmonise the individual expatriate healthcare proposition, “By combining the strengths of the existing Cigna Global Health Options and Cigna expatplus plans, we have brought a single proposition to the market.

Brokers now have one truly global multilingual sales and service proposition bringing clarity and transparency to the market, and demonstrating Cigna’s dedication to meeting our customers’ and brokers’ requirements.”

A multilingual support team is now available to assist brokers, maintaining Cigna’s commitment to quality service. The team, accessible by phone and email, handle international medical insurance quote requests, setting up policies on behalf of brokers, and ongoing account servicing.

Worldwide brokers interested in working with Cigna as a registered health insurance intermediary, are invited to contact iPMI Magazine for further detailed information. l

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igna, a leading international health insurer, is excited to announce the launch of local language sales and service capabilities for their expatriate individual health insurance product range.

This move is a milestone in the company’s commitment towards expanding its reach globally, particularly towards European and Latin American brokers supporting expatriates moving abroad.

This coincides with the combining of forces between Cigna Global Health Options and Cigna expatplus, bringing the strength of a single individual proposition for expatriate healthcare to the broker market.

Phil Austin, Head of Global Individual Private Medical Insurance said, “Launching the Cigna Global Health Options plans in German, French, Dutch and Spanish was the natural next step in demonstrating our commitment to brokers and intermediaries, particularly in the European and Latin American markets.”

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17

ALLIANZ WORLDWIDE CARE LAUNCHES HEALTHCARE PLAN FOR SEAFARERS FEATURES

Monday, 10 February 2014 10:16

8 MLC 2006 requires shipping companies to provide comprehensive

rights and protection to the world’s 1.2 million seafarers. Currently, 56 countries have ratified the convention. ensure that seafarers are provided with a minimum standard of working conditions.”

“Allianz Worldwide Care took a pro-active approach to create a healthcare plan which addresses all of the MLC 2006 mandatory in-patient and out-patient medical requirements, as well offering as a number of optional in-patient, out-patient, dental and repatriation benefits. This allows employers to provide a higher level of healthcare cover and a more attractive employee benefit in this competitive industry where there is a scarcity of qualified and experienced maritime staff.”

Landers added, “The MLC is already in force in many countries including Cyprus, Denmark, Netherlands, Norway, Spain and Sweden, where shipping companies are obligated to provide a minimum level of health protection and medical care to employees.

Maritime companies in other countries such as the UK, France, Germany and Belgium can make provisions now as their markets prepare for the implementation of the Convention in 2014.” l

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llianz Worldwide Care has announced the launch of a new plan which offers a compliant solution for onshore healthcare to shipping companies affected by the Maritime Labour Convention 2006 (MLC 2006), commonly known as the “Seafarers’ Bill of Rights.” While created by the International Labour Organisation in 2001, to be enforced, the MLC had to be ratified by at least 30 member states.

This was achieved on August 20th 2012, with the Convention officially coming into force exactly one year later.

Currently, 56 countries have ratified the convention, which does not apply to fishing vessels, war ships or traditional build ships.

Susan Landers, Head of Marketing and Client Management at Allianz Worldwide Care said, “The convention addresses a number of basic employment rights, amongst them fair employment terms and the right to health protection and medical care. Essentially, the goal is to

iPOLICY >> International Medical Insurance | Expatriate Health Insurance

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ALC HEALTH REPORTS A 38% GROWTH IN GLOBAL MEDICAL HEALTH INSURANCE 8 International Private Medical Insurance Provider ALC HEALTH have reported a 38% growth on gross written premiums for 2013 over the previous 12 month period.

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“Over the past four years we have seen steady growth across our business and with 2013 once again proving to be another record year for the company. Our customer focused boutique approach and competitive pricing structure has enabled our members to choose the cover they want at an affordable price whilst enjoying the very highest level of personal service and support that has become the hallmark of ALC Health’s success. The past year also saw the successful launch of two new core plans Prima Platinum and Prima Concept – adding further to our existing suite of global medical insurance plans created for the expatriate and global citizen. 2013 was another exciting year for ALC Health and we are looking forward to pushing forward the boundaries even further in 2014.”

Andrew Apps Director ALC Health iPMI Magazine | Health and Medical Insurance Broker and Intermediary News Expatriate Health Care

Contact us Email: bd@aplusii.com Website: www.aplusii.com

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COMPLETE CRITICAL ILLNESS PROTECTION WITH VALUE-ADDED HEALTH SERVICES Monday, 20 January 2014 11:46

8 MANULIFE-Sinochem Life Insurance Co. has recently launched a new critical illness product, the Chang Bao An Kang Long-term Health Insurance.

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his product not only offers increasing benefits for up to three instances of critical illness but also provides access to professional health consultation services.

This product is ManulifeSinochem’s first product priced with an assumed interest rate higher than 2.5% following regulatory changes for interest rate liberalization.

In recent years, incidences of critical illness are becoming increasingly common and are occurring at lower ages. Luckily, there have also been great advances in medical technology and recovery rates have been increasing. It is people who have recovered from critical illness that understand the value of insurance protection.

However, due to their past medical history, they also face difficulties in getting approval for additional health coverage.

There is need for products that can provide coverage for multiple incidences. Today’s fast paced life has also brought forth unhealthy yet sometimes unavoidable living conditions such as pollution, stress, and highly processed food that can cause illnesses that are not necessarily life threatening but can still have serious effects on people’s well-being.

There is also a need for insurance plans that can provide services not only for critical diseases but for non-critical illnesses as well.

Manulife-Sinochem’s Chang Bao An Kang provides coverage for 40 critical illnesses, divided into four categories, and up to three total claims (each in a different category) with increasing benefits for each claim. Customers may receive up

professional will help guide the insured and their families through different types of health difficulties and provide advice on disease prevention and improving their health and well-being.

Another value-added service

Manulife-Sinochem is committed to providing ”professional and reliable products and services to

offer real value to our customers. We have designed this product based on thorough research and deep market understanding of the national health insurance landscape and the evolving needs of consumers. We aim to provide even stronger care and protection for our customers through this product’s multi-layered approach to health and critical illness coverage GUY MILLS PRESIDENT OF MANULIFE-SINOCHEM to 330% of the total sum assured, and moreover, after the first claim is made all future premiums will be waived.

Chang Bao An Kang also provides coverage for 10 additional “noncritical” illnesses such as initialstage malignant tumours and lesions, mild strokes, and cardiac pacemaker insertions.

If the customer has an incidence of any of these 10 “non-critical” illnesses before the age of 70, MSL will provide an additional benefit of 20% of the sum assured.

The product also provides two free value-added health services: a telephone medical consultation service from a health risk management

”

provided is the “second diagnosis opinion”. When a customer believes there may be a need to review their initial critical illness diagnosis or treatment, the product provides access to a professional national medical service to confirm the earlier diagnosis and treatment.

Lastly, in order to provide even more complete protection and benefits, Chang Bao An Kang has an end of life benefit for customers that did not claim for critical illness at the time of passing.

With more than seventeen years of experience in China, ManulifeSinochem is committed to providing reliable and trustworthy critical illness products. products. l

International Private Medical Insurance Magazine | Expat Health Insurance | Expatriate Health Care

iPOLICY >> International Health Insurance | International Medical Insurance | Expatriate Health Insurance

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THE 1ST PRE-PAID HEALTH INSURANCE COMPANY WITH CERTIFIED QUALITY Sunday, 19 January 2014 01:14

8 International Private Medical Insurance Magazine takes a look at OMINT HEALTH GROUP, a diverse organisation providing insurance, assistance and owned medical facilities and clinics.

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s a step towards excellence and quality, OMINT is the first national pre-paid health insurance company, certified under ISO 9001 Standard for processes, which ensures medical health plan quality.

The ISO 9001 certification is granted

by BVC (Bureau Veritas Certification), an international certification company. This certification evidences OMINT’s high quality standards and reflects the importance given to the pursuit of excellence in service, depending on the needs of the members.

Under the Mission and Quality Policy the Partner Satisfaction Survey, one of the processes certified under ISO 9001, is carried

out every two years. The main purpose is to assess the level of satisfaction considering various aspects of the service provided.

Ipsos, a notorious market research consultant, works with OMINT conducting this survey. In the last measurement (2012), over 650 partners were surveyed by telephone nationwide. Then, the general indicators were again placed above the levels of excellence of service companies (85.5).This benchmark determines that, when meeting or exceeding this value, each of the indicators measured is considered a strength point.

The overall satisfaction index was 87.9 points on a 0 to 100 scale. In terms of image, OMINT received

91 points. The image OMINT partners have has achieved levels of excellence, a positive trend reaching the best score in the last 10 years. Willingness to recommend was 89.5. OMINT Health Group started operating in Argentina in 1967. It is composed of OMINT Argentina, OMINT Brazil, Clínica del Sol, Clínica Bazterrica and Clínica Santa Isabel private hospitals and three Dental Centers of its own (two in Brazil and one in Argentina.) From the beginning, 100% of stock shares have been held by the Villa Larroudet family, which evidences the Group’s commitment to its Mission. Read more about OMINT Health Group at ipmim.com. l

International Private Medical Insurance Magazine | Expat Health Insurance | Expatriate Health Care

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ACCELERATING GLOBAL HEALTH INSURANCE C-LEVEL EXECUTIVE DIALOG & DEBATE

iPOLICY >> Health and Medical Insurance | Expatriate Health Care

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HEALTH INSURANCE PLAN HELPS BRIDGE HEALTHCARE AFFORDABILITY GAP FEATURES

Monday, 10 February 2014 10:16

8 APRIL UK has partnered with Spire Healthcare to launch a

health insurance plan aimed at helping individuals and families bridge the affordability gap. to work in partnership with Spire Healthcare. They have a reputation for providing some of the best patient care and facilities in the UK. We know our customers will be in safe hands with Spire.”

Isaac Lam continues, “This is very much a long-term growth product for us. We have achieved genuine low premiums without the use of gimmicks or sacrificing benefits and we hope it will appeal to younger people or those who have dropped out of the market due to rising PMI prices.”

The ‘inSpire’ Medical Insurance Plan has been created with simplicity in mind and steers people to one of the 38 Spire Hospitals across the UK. One level of cover is available “Comprehensive” which provides full in, day and out patient cover.

There is no mandatory excess, but customers can choose a £100 excess if they want to reduce premiums further. Read the complete story about this Health Insurance Plan at w w w. ipmimagazine.com and head for the Plan Hub. l

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he new ‘inSpire’ Private Medical Insurance Plan will be launched on 14 January 2014 providing private healthcare benefits at all Spire Healthcare hospitals throughout the UK. Marketing Manager Isaac Lam said the Bristol-based company wanted to create a simple plan that was easy on the pocket, without sacrificing on important medical benefits.

“Over the last few years, PMI premium inflation has out-stripped wage inflation. This has meant more and more people are being priced out of the market. We have spent the last year working closely with Spire Healthcare to create a more affordable plan but one that still provides comprehensive benefits.”

Lam said the partnership with Spire Healthcare was unique within the healthcare industry and has allowed APRIL UK to offer competitive premiums without the use of built-in noclaims discounts, mandatory excesses or financial limitations on benefits. “We are delighted

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iPOLICY >> International Health Insurance | International Medical Insurance | Expatriate Health Insurance

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NEW MEDICAL INSURANCE PLAN PROVIDES MORE KENYANS WITH AFFORDABLE HEALTH INSURANCE Thursday, 9 January 2014 09:01

8 British American Investments, Changamka Micro Insurance and Safaricom Limited has announced a new micro insurance health insurance plan for low income earners in Kenya

Health insurance News

“In addition to providing this service, we will have the opportunity which we can plough back into the business. Our current premium at the moment is about Sh10 billion and we hope to get Sh10 billion more this year, that’s about 50 percent increment, it’s a line of business with enormous potential.”

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Benson Waireg Managing Director Birtam

llowing more Kenyans to access medical insurance, the plan, dubbed Linda Jamii will offer in and out patient, dental, optical, maternity and a hospitalisation income

replacement benefit. Family Sh500 per day will take care of medical cover can be purchased lost income while in hospital and as an annual subscription of funeral expenses in case of death.

Sh12,000 for a cover valued at The plan has been running Sh290,000. The hospitalisation successfully in Nairobi and will income replacement benefit of be launched nationwide. l International Private Medical Insurance Magazine | Expat Health Insurance | Expatriate Health Care

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NEW BENEFITS AND ENHANCEMENTS TO STANDARD MEDICAL HEALTH INSURANCE PLANS Thursday, 12 December 2013 11:03

8 Members benefit from additional cover and access to latest medical advances, while premium rate increases remain some of the lowest in the industry.

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nternational private medical insurer Allianz Worldwide Care has announced a number of new benefits and enhancements to its standard healthcare plans, following its recent annual product review. New and renewing group and individual clients will benefit from increased healthcare cover in a number of areas, including genetic testing, physiotherapy, rehabilitation, prescribed drugs, palliative care and long term care.

All of this, combined with one of the lowest rates of premium increase in the market, provides our clients with comprehensive cover and competitive premiums.

On the Gold Out-patient Plan, the Health and Wellbeing Checks benefit now includes cover for BRCA1 and BRCA2 genetic testing as a means of identifying a predisposition to breast and ovarian cancer. Existing checks covered include liver function tests,

cardiovascular and neurological examinations, mammograms, prostate screening, bone density checks and well child tests. The checks, tests and examinations covered under this benefit are not dependent on any clinical symptoms being present and are part of the company’s commitment to preventative care. Read the complete story about this Medical Health Insurance Plan at ipmimagazine.com. l

International Private Medical Insurance Magazine | Expat Health Insurance | Expatriate Health Care

iPOLICY >> International Health Insurance | International Medical Insurance | Expatriate Health Insurance

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ALC HEALTH ADDS MORE TOOLS TO ALC WORLD, DEDICATED ONLINE MEMBER SERVICE Thursday, 05 December 2013 15:47

8 Additional languages are now included as part of the Medical Translation Tool which now includes audio and bilateral translations.

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LC Health, a leading increase of 14%, ALC World has provider of international also the number of countries health insurance, has included in its Drug Equivalency added yet more online Guide including the Philippines, tools and technology to its Panama, Cyprus, Turkey, Jordan, dedicated member only service Bahamas and Jamaica bringing ALC World. Provided as part of the total number of countries to each ALC Health policyholder’s 42. Additional languages are now membership package, ALC World included as part of the Medical offers a wealth of information Translation Tool which now includes covering medical facilities and audio and bilateral translations services worldwide including city for twelve languages representing profiles, a drug and medical phrase the primary languages for 193 translation service and local countries: Arabic, Chinese, English, security updates.

French, German, Hebrew, Italian, Adding a further 500 medical Japanese, Korean, Portuguese, providers to its contracted Russian and Spanish. community, an increase of 9% Andrew Apps, Director at ALC and 200 additional facilities, an Health adds, “For many expatriates,

finding the right doctor or medical facility in an unfamiliar country can be difficult at best of times.

With ALC World our members have access to a wealth of comprehensive data covering doctors, specialists, clinics and hospitals which enables the user to make an informed decision when making that all important choice of who to use, for what and where. With a further expansion of the online drug translation tool, making sure the correct drug is prescribed when a repeat prescription is needed becomes simple and straightforward”. Log on to ipmimagazine.com to find out more about ALC Health l

International Private Medical Insurance Magazine | Expat Health Insurance | Expatriate Health Care

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.

MEDICAL CHAMBERS 108 HARLEY STREET LONDON WIG 7ET

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.

For more information visit: www.108harleystreet.co.uk Telephone

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020 7563 1212

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www.108harleystreet.co.uk

iPOLICY >> International Health Insurance | International Medical Insurance | Expatriate Health Insurance

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AVIVA SIGNIFICANTLY ENHANCES ITS INTERNATIONAL PRIVATE MEDICAL INSURANCE Tuesday, 03 December 2013 12:55

8 Enhancements follow a detailed clinical review of the insurer’s international medical cover to ensure customers living or working abroad receive high quality healthcare.

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in Kuwait, Oman or Qatar, as well as to those based in the United Arab Emirates (UAE). Individual customers can also benefit from the new Gulf Solutions policy, if they are living or working in Oman or the United Arab Emirates (UAE).

The new Gulf cover marks the second phase of Aviva’s product development for the region, building on the success of the award-winning Emirates International Solutions and the health insurer’s expertise in managing healthcare within the region’s complex legislative framework. A partnership with NAS Administration Services provides Gulf customers with a market-leading regional claims service with direct settlement capabilities.

For all customers, standard core benefits have been increased to make International Solutions one of the most comprehensive international policies available in the market, with an annual benefit level of £5m.

Customers have the peace of mind that wherever they are, they will receive high quality treatment if they are ill or injured, as well as 24-hour medical emergency assistance and evacuation to an appropriate facility if treatment isn’t available locally.

Policies now carry an International Cancer Pledge to cover treatment and palliative care as recommended by specialists. In addition, cover is provided for aftercare, including

money towards prostheses and wigs.

In and Day-patient Care is enhanced and now includes cover towards the costs of organ transplants and harvesting, and an increase in rehabilitation cover from 14 days to 25 days.

Out-patient Care also now includes cover for up to ten speech therapy sessions, following a referral by a specialist after a hospital admission.

Additional Benefits includes cover for complications of pregnancy as standard, with Maternity and Maternity Plus policy upgrades available to provide customers with cover for the more routine costs of pregnancy and childbirth, including pre and post-natal care.

Home nursing benefits have also been increased as standard from 28 days to 60 days.

Customers will also have greater coverage on a range of Everyday Healthcare benefits that they would usually expect from their GP at home. These include up to 20 consultations with a doctor per year and higher limits for prescription medicine and vaccinations. Everyday Healthcare now includes cover towards Hormone Replacement Therapy.

Condition Management for acute phases of congenital conditions is also now covered as standard, alongside increased cover for the management of HIV and AIDS. l

International Private Medical Insurance Magazine | Expat Health Insurance | Expatriate Health Care

Health insurance News

viva has announced significant improvements to its International Solutions private medical insurance from 1st February 2014. The improvements will provide new and existing customers with enhanced standard benefits and wider geographic cover, greater flexibility, and a new tailored Gulf Solutions policy for customers based in the Gulf region.

The enhancements follow a detailed clinical review of the insurer’s international medical cover to ensure customers living or working abroad receive high quality healthcare that reflects advances in medicine and medical practice.

International Solutions has now been divided into two areas rather than six, to make mobility between countries easier for customers and provide them with wider cover around the world. Policies are now available as Worldwide, or Worldwide (excluding USA and Caribbean) cover, with pricing based on comparative risk and medical costs, rather than geographical location. For all customers, irrespective of where they are based, emergencies are covered for up to 60 days in any country in the world.

Aviva has also expanded its provision in the Gulf, creating a new tailored Gulf Solutions policy for group customers, to provide cover for their employees based

CARL VON THIEME

Carl v. Thieme (1844–1924) founds Munich Reinsurance Company in 1880

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lobality Health is the center of excellence of Munich Health for Corporate Expatriates Insurance. As an integral part of Munich Health, with more than 5,000 experts at 26 locations, Globality Health offers innovative healthcare solutions for clients and partners all over the world. As a member of Munich Re, Globality offers the strength and security of one of the world’s leading insurers and reinsurers.

iPOLICY >> Health and Medical Insurance | Expatriate Health Care

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NEW PARTNERSHIP OFFERS ENHANCED GLOBAL HEALTH INSURANCE OPTIONS FEATURES

Monday, 10 February 2014 10:16

8 With an annual premium income of more than 19B EUR, ERGO is one of the largest insurance companies in Europe. Globality and Europaeiske ERV channel their expertise to offer joint solutions.

collaboration of Europaeiske ERV and Globality will expand the geographical presence of both companies and give clients access to new products. Europaeiske ERV in Denmark (Copenhagen), as a part of ERV group, is the Centre of competence for Corporate Travel Insurance (CTI).

ERV has more than 90 years of experience in delivering products and services for travellers.

Also, ERV is the specialist in travel insurance of ERGO Insurance Group, which belongs to Munich Re, one of the world’s leading risk carriers.

With an annual premium income of more than 19 billion EUR, ERGO is one of the largest insurance companies in Europe.

ERGO is represented in more than 30 countries.

Europaeiske ERV, Denmark offers flexible travel insurance (CTI) options from basic cover to supplementary covers, e.g. personal accident, baggage, personal liability. Read more about GLOBALITY HEALTH AND EUROPAEISKE ERV at ipmimagazine.com. l

News Features

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istening to clients’ needs.

That is what Globality Health and Europaeiske ERV Denmark have done by monitoring market and clients expectations.

Globality Health and Europaeiske ERV have recently entered a new partnership to fulfil these requirements with a broadened Expat and Travel insurance product portfolio.

As corporate clients often demand combined Corporate Expatriates Insurance and Corporate Travel Insurance packages, Globality and Europaeiske ERV have channelled their expertise to offer joint Corporate Expat and Corporate Travel Insurance solutions.

The sales cooperation will entail Europaeiske ERV ’s authorization to sell Globality CoGenio products in several markets. Globality will be authorized to sell ERV Corporate Travel Insurance as a package with Globality CoGenio. Europaeiske ERV and Globality are both international specialists in their business segments. Such

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GEOBLUE® MAKES MEDICAL CARE MORE CONVENIENT FOR GLOBAL TRAVELERS Wednesday, 30 October 2013 07:28

8 Audio translations for medical terms and phrases in twelve languages: Arabic, Chinese, English, French, German, Hebrew, Italian, Japanese, Korean, Portuguese, Russian and Spanish.

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eoBlue®, a leader and innovator in serving the health care needs of world travelers, have announced the release of an update to the free member app for iOS, Android and Amazon Kindle devices. GeoBlue plans combine concierge-level service and mobile technology to help expatriates and travelers identify,

access and pay trusted doctors and hospitals in over 180 countries around the globe.

“GeoBlue is committed to providing convenient solutions that allow our members to manage their health care without the added stress of dealing with cumbersome administrative processes,” says Liz Dunlavey, Managing Director for GeoBlue.

“Today’s expats and world travelers rely heavily on their mobile devices, so do our solutions.”

The GeoBlue app allows members to travel the world with a convenient way to locate medical providers, request appointments and find local equivalents for over-thecounter and prescription medications.

Read more about GeoBlue at www.ipmimagazine.com. l

International Private Medical Insurance Magazine | Expat Health Insurance | Expatriate Health Care

iPOLICY >> International Health Insurance | International Medical Insurance | Expatriate Health Insurance

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GEOBLUE® INTRODUCES GLOBAL EAP SERVICES FOR EXPATRIATES Friday, 25 October 2013 06:51

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

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Options at www.geo-blue.com.

What’s more, Workplace Options collaborates with Mayo Clinic to deliver enhanced the wellness coaching services now offered

by GeoBlue, including weight loss, tobacco cessation and stress

the lives of thousands of expats and their families.”

GeoBlue began rolling out its global EAP and wellness coaching services to new and existing group expatriate health insurance members in October.

Setting the industry standard, GeoBlue’s mission is to provide peace of mind to long- and shortterm global travelers 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 concierge-level services.

The scope of GeoBlue’s services and technology creates a complete, reliable, convenient way to keep international travelers and expats healthy and productive. GeoBlue management. GeoBlue also offers provides group and individual online wellness services such as health insurance plans. health assessments and news, Workplace Options helps trends and advice on exercise, employees balance their work, diet and stress reduction family and personal life in order programming provided by the to make their lives healthier, easier Mayo Clinic. and more productive. The company’s “We are very pleased to be world-class employee support offering our services through and work-life services provide GeoBlue,” said Dean Debnam, information, resources, referrals chief executive officer of Workplace and consultation on a variety of Options. “ issues ranging from dependent “As a global company committed care, legal and financial issues to to increasing employee effectiveness stress management and wellness. worldwide, this relationship will Read more about GeoBlue at allow us the opportunity to improve www.ipmimagazine.com. l International Private Medical Insurance Magazine | Expat Health Insurance | Expatriate Health Care

Health insurance News

eoBlue®, a leading provider of international health insurance for expatriates, announced that it is introducing global employee assistance (EAP) and wellness coaching for its group members.

These services are offered in partnership with Workplace Options, the world’s leading global employee effectiveness company.

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

“GeoBlue selected Workplace Options based on the company’s global reach, resources and track record for top notch service,” said Rob Howard, Director of Group Product Sales for GeoBlue. “Our new global EAP and wellness coaching fully round out GeoBlue’s outstanding wellness and counseling services for international assignees and their families.”

Workplace Options’ global EAP services are offered outside of the United States and include confidential counseling and support in more than 200 countries and territories worldwide. All calls are live-answered 24-hours a day by mental health professionals qualified to provide support for work, personal and family challenges.

GeoBlue members also have access to extensive web-based content and services from Workplace

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iPOLICY >> Health and Medical Insurance | Expatriate Health Care

JUBILEE INSURANCE AND BUPA INTERNATIONAL LAUNCH A REGIONAL IPMI PRODUCT Friday, 25 October 2013 06:51

8 Some of the unique benefits of Explorer Plan include a full range of health screening providing valuable early detection of conditions such as cancer.

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Health insurance News

ast Africa’s largest insurance group, Jubilee Insurance and leading international healthcare company, Bupa International, today launched a new international health insurance product dubbed Explorer Health Plan. Explorer will seek to provide health insurance services to the growing middle-class, mid-level executives, and expatriates

living in Kenya and travelling in and around Africa, including those seeking treatment in South Africa, India, Pakistan and Sri Lanka.

The new healthcare insurance product will be available under the Business Explorer Health Plan for corporates and Explorer Health Plan targeting individual clients. Speaking during the launch, Jubilee Holdings Chairman Mr. Nizar Juma said, “Explorer is a regional plan from an international company designed to bring it within the reach of senior and middle executives specifically designed for the Africa market and it offers great value for money by providing both individual and corporate access to world class medical facilities.”

He added that the partnership with Bupa will enable Jubilee Insurance to meet the growing demand for international medical insurance products and provide a one-stop shop for medical cover to major corporations, private individuals and families in the region. Some of the unique benefits of

Explorer Plan include a full range of health screening providing valuable early detection of conditions such as cancer, without lifetime limits for eligible treatment for chronic diseases, such as heart disease, stroke, cancer and diabetes, ensuring continued access to treatment for as long as a customer is on the plan.

Other benefits include cover for eligible treatment for HIV and AIDS including related conditions and drug therapy, In addition the product has no maximum age limit for new policy holders or those renewing the policy.

Bupa International’s Global Sales & Commercial Director, Tim Slee said, “We are delighted to be launching this new health insurance product, Explorer, adapted for the African market with Jubilee Insurance. Our experience in serving the African market for over 30 years and our global network expertise in designing world-class health insurance products for both individual and corporates will be key in providing access to high-quality international healthcare to the people of Kenya. Under the plan, Jubilee Insurance customers will receive full cancer treatment to ensure that customers are supported at every stage of the treatment. In addition, there will be a cover available for eligible congenital conditions such as heart defects.”

“The new international health insurance product will offer our customers, locally and regionally, an expansive range of international medical healthcare services through Bupa International, a health insurer of considerable repute and further demonstrates our aim to provide to the people of this region comprehensive benefits together with affordable, high quality healthcare service,” said Chairman of Jubilee Holdings, Mr. Nizar Juma.

The launch of the Explorer Health plan follows the strategic partnership that the two organizations, Bupa International & Jubilee launched in Feb2013 which brings together Jubilee’s local knowledge with Bupa’s global healthcare expertise. l

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WILLIS LAUNCHES FLIER, A NEW POLICY DESIGNED TO COVER REPATRIATION COSTS SEAFARERS UNDER MARITIME LABOUR CONVENTION FEATURES

Monday, 09 September 2013 11:16

8 MLC provides protection at work for the world’s more than 1.3 million seafarers and is supported by the ILO as well as governments and the international community. According to the ILO database there are currently 184 reported incidents of abandoned vessels and seafarers around the world.

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illis has launched a new liability insurance policy to cover the costs associated with repatriating stranded seafarers.

The Maritime Labour Convention, 2006 (MLC) which came into force on August 20, states that flag states[i] are responsible for repatriating seafarers back to their home country when a ship is abandoned.

According to the ILO database there are currently 184 reported incidents of abandoned vessels and seafarers around the world[ii]. As a result of the economic downturn’s impact on global shipping a record number of vessels and crews were abandoned in 2009 and 2010, according to The Mission to Seafarers, the world’s largest charitable port-based welfare service. Offered in association with Lodestar Marine Limited and The Mission to Seafarers the new policy called FLIER[iii] provides: l Coverage for legal liabilities relating to repatriation and medical costs following an abandonment (due to insolvency), which flag states inherit as a result of the MLC l Abandoned seafarers with access to expert advice and services l Including medical aid, logistical assistance, wages, provisions and supplies l In partnership with The Mission to Seafarers and Lodestar. l A contribution from every policy sold by Willis will go toward funding The Mission to Seafarers’ humanitarian efforts.

David Purdy, Executive Director in Willis’ Financial and Executive Risks Practice and one of the architects of the policy wording, said, “The typical costs of repatriating abandoned seafarers could be in the region of hundreds of thousands of dollars. If any members of the crew have severe injuries then the costs could be considerably more. With market capacity of around $5-10 million, provided by Liberty Mutual Insurance Europe Limited, FLIER offers flag states a cost-effective means of transferring these liabilities and helps ensure that seafarers receive the right humanitarian, financial and logistical support in the unfortunate event of being abandoned overseas.”

Reverend Andrew Wright, Secretary Gen at the Mission, said “The Mission to Seafarers has been working with Willis to advise on crew welfare in the event of abandonment and we welcome FLIER, which will insure flag states for their new responsibilities under the MLC. Partnerships with industry help the Mission to continue to provide care and support across the 71 countries where we are currently based; we are grateful to Willis for the company’s support.”

Source [i] Commercial shipping vessels are required to register with flag states, which have the responsibility and authority to enforce regulations such as the MLC [ii] The SECTOR database contains a regularly updated list of vessels that have been reported to the ILO as abandoned in various ports of the world http://www.ilo.org/dyn/seafarers/ [iii] Flag Liability Insurance Against Exposure for Repatriation (FLIER).

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iPOLICY >> Health and Medical Insurance | Expatriate Health Care

ARCHIPELAGO INSURANCE LTD ENTERS MALAYSIAN MEDICAL INSURANCE MARKET

Friday, 06 September 2013 07:23

8 Malaysia’s medical and insurance sector is expected to more than triple by 2020 to reach US$5 billion

Health insurance News

from its current US$1.5 billion, presenting excellent growth opportunities for the health insurance sector.

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Archipelago Insurance, a general insurer, licensed by the Labuan Financial Services Authority is launching Ultracare medical insurance plans, developed by InterGlobal, a UK private health insurer.

Ultracare will be marketed through both offshore and locally registered insurance brokers, plus through licensed financial advisors at the Bank Negara Malaysia.

Commenting, Archipelago Insurance Group director Alan Chew Cheong Yew said, “We hope to attract 500 clients within our first year of selling the product, generating about RM7.5 million in gross premiums.”

According to Chew, the target market will be expatriates and high net-worth individuals looking for customized comprehensive international private medical insurance plans that will provide the right cover, at the right time. Target market will initially focus on the Klang Valley growing to include areas with high a concentration of expatriates like Johor Baru, Penang and cities in East Malaysia. The International consultant company Roland Berger Strategy Consultants recently reported, that Malaysia’s medical and insurance sector is expected to more than triple by 2020 to reach US$5 billion, from its current US$1.5 billion, presenting excellent growth opportunities for the health insurance sector. l

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iPOLICY >> International Health Insurance | International Medical Insurance | Expatriate Health Insurance

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PACIFIC PRIME CLIENTS WITH AETNA GAIN NEW MEDICAL INSURANCE OPTIONS IN SAUDI ARABIA Friday, 06 September 2013 07:23

8 Alliance will allow medical insurance Aetna to provide health care services to expats living in Saudi Arabia. New options for Pacific Prime clients.

Health insurance News

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he medical insurance provider Aetna has formed a new strategic alliance with The Company for Cooperative Insurance (Tawuniya) allowing for new options for Pacific Prime clients in The Kingdom of Saudi Arabia.

The alliance will allow Aetna to provide health care services to expats living in Saudi Arabia and Saudi citizens living either in the Kingdom or abroad.

As part of the alliance, Aetna is providing cooperative cover for roughly 80,000 Saudi students while they are attending college or graduate school in the United States on scholarships provided by the Saudi Arabia Cultural Mission. Tawuniya is providing cover for the students during the period

when they are back home in Saudi Arabia. The alliance will also supplement Tawyuniya’s global coverage for the Saudi Arabian Ministry of Foreign Affairs. Aetna’s global medical network, which includes more than 100,000 hospitals and doctors outside of the US, will be available to Tawuniya’s members. Aetna is also providing Tawyuniya with reinsurance and product development consulting.

Members of both groups will be served through Aetna’s Arabic-speaking call center in Dubai.

Pacific Prime analysts view this expansion as a natural step for Aetna as the company been experiencing a great degree of success in the Middle East in recent years. l

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iPOLICY >> Health and Medical Insurance | Expatriate Health Care

IMG EUROPE LAUNCHES SHORT-TERM TRAVEL AND EXPAT MEDICAL INSURANCE PLAN RANGE Friday, 06 September 2013 07:23

8 Short-term international travel and expatriate medical insurance plan range for individuals, families

Health insurance News

and groups. Applicants have a choice of GlobeHopper Single-Trip, Platinum and Multi-Trip plans.

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MG Europe has announced the launch of GlobeHopper, a short-term international travel and expatriate medical insurance plan range for individuals, families and groups.

The plan range provides cover worldwide for travelers and expatriates of all nationalities when they are travelling, or temporarily living outside of their home country.

Applicants have a choice of GlobeHopper SingleTrip, Platinum and Multi-Trip plans, and can get instant quotes and apply online without medical underwriting.

“GlobeHopper is a unique and competitive addition to our product portfolio,” said Managing

Director of IMG Europe and Chairman of the Association of International Medical Insurance Providers, Carl Carter. “It’s a very flexible plan range that meets the short to medium term travel medical coverage needs of expats and travelers worldwide.

We have seen exceptional demand as it fills a very large gap in both the expatriate international medical insurance and travel insurance markets.”

Carter further added, “The plan range is also online quote and fulfillment enabled. This allows our intermediaries around the world the ability to add these plans to their websites to easily and securely generate sales, or email sales links to customers 24/7. ” l

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HEALTH INTEGRATED HELPS NEW HEALTH INSURANCE COOPERATIVE GO LIVE Friday, 06 September 2013 07:23

8 Meritus, one of 24 health insurance Co-Ops nationwide, will compete on the new federally-run online Health Insurance Marketplace.

Health insurance News

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ealth Integrated, Inc, has partnered with Meritus (dba Meritus Mutual Health Partners (PPO) and Meritus Health Partners (HMO)), Arizona’s first and only consumer-operated and oriented (Co-Op) insurance plan, to deliver its full care management platform for the plan and its members. Meritus will begin enrolling new members in October 2013 for coverage beginning January 1, 2014.

“Starting a new health plan from ground zero requires strong and compatible partners to keep a keen eye on the consumer-focused details while paying close attention to the big operational and regulatory picture at the same time,” says Kathleen

Oestreich, chief executive officer of Meritus.

“We are delighted to have that partner in Health Integrated. As we move through our implementation, they have proven repeatedly their alignment with our mission to change the face of health care with better, more coordinated care for our Arizona members.”

“We’re not just about paying claims,” adds Oestreich.

Meritus, one of 24 health insurance Co-Ops nationwide, will compete on the new federally-run online Health Insurance Marketplace as well as in the commercial insurance market to individuals, families, businesses and entrepreneurs. l

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iPOLICY >> Health and Medical Insurance | Expatriate Health Care

INTERNATIONAL MEDICAL GROUP ENHANCES ITS MARINE GROUP MEDICAL INSURANCE PROGRAM

Friday, 06 September 2013 07:23

Health insurance News

8 Enhancements enable ship owners to provide their crew coverage for eligible medical expenses, which is increasingly important with the enactment of the Maritime Labour Convention 2006.

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nternational Medical Group®, Inc. has announced it enhanced its flagship marine group medical insurance program, International Marine Medical InsuranceSM (IMMI).

According to IMG, the enhancements enable ship owners to provide their crew comprehensive coverage for eligible medical expenses, which is increasingly important with the enactment of the Maritime Labour Convention (MLC, 2006).

The MLC, 2006, which took effect August 20, 2013 and became binding in international law, establishes minimum working and living standards for all seafarers on those ships. As such the MLC, 2006, requires ship owners to provide health protection

and medical care to seafarers on board their ship.

“We have provided specialized international medical insurance programs to marine professionals for more than 20 years,” said VP of IMG’s marine division, Al Wallace.

Additionally, when seeking treatment outside the U.S., IMG works with insured crew members to assist them in locating requesting and coordinating information for care in order to obtain the most efficient and cost-effective care available.

IMG also provides international utilization management, comprehensive case management, transplant network provider access, out-of-network claim negotiation and medical claim review. l

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Health insurance News

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CATASTROPHIC FLOOD INSURANCE FOR RIVER BASIN PEOPLE IN BANGLADESH Wednesday, 21 August 2013 01:21

8 Aims to provide cash relief of up to BDT 8000 per household in event of flood. Bangladesh is a flood prone country, which is one of primary reasons for wide spread poverty.

government has made. Index based flood insurance is aimed to design a commercially viable catastrophic flood insurance scheme for the poor and vulnerable.

We are now piloting it in Sirajganj, with a hope to spread it across the country with the support from government, national and international organizations.”

Initiated by Oxfam, the project is funded by SDC (Swiss Agency for Development and Corporation) and jointly implemented by CIRM Advisory Services (India), Institute of Water Modeling (Bangladesh), Pragati Insurance Ltd. (Bangladesh), Swiss Re, Manab Mukti Sangstha (Bangladesh) and Palli Karma Sahayak Foundation (Bangladesh).

“Floodwater that used to create fertile ground for agriculture crops has resulted in catastrophic consequences in Bangladesh now. Through this flood index insurance scheme, Swiss Re supports the insurance sector with product structuring, pricing and underwriting, as well as reinsuring the risks. The insurance scheme will help to mitigate the fiscal impact of the flooding to the villages, and strengthen the resilience of the economy,” said Harini Kannan, Head of Agriculture Reinsurance South West Asia from Swiss Re, the reinsurance partner for this project. Earlier Sardar M Shah Newaz, Director, IWM presented the flood hazard model and Rupalee Ruchismita, Executive Director, CIRM presented the keynote paper on Index Based Flood Insurance Product. l

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Health insurance News

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oor and vulnerable people in the river basin areas of Sirajganj district come under an index based flood insurance product, to address the disaster risk reduction in the flood prone regions.

The product was launched yesterday (20 August 2013) at BRAC Centre in a program titled Launching Ceremony on Index Based Flood Insurance Product Piloting in Sirajgonj, Bangladesh, organized by Oxfam. Initially the flood index insurance product will cover 1661 poor families of 10 villages located in Char areas of Sirajganj district on a pilot basis.

The product aims to provide cash relief of up to BDT 8000 per household in event of catastrophic flood.

Addressing the launching ceremony as the chief guest, Abul Hassan Mahmood Ali, MP, Minister of Disaster Management and Relief said, ”With this very innovative initiative, poor and vulnerable people of Sirajganj district, who are the regular victims of flood will feel more secured. Such kind of initiative helps the government to address the disaster risk reduction.” He urged all to scale up this effort to cover whole Bangladesh. Snehal Soneji, Country Director for Oxfam in Bangladesh, in his welcome remarks said.

“Bangladesh is a flood prone country, which is one of primary reasons for wide spread poverty, despite the remarkable economic progresses

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POWERED BY IPMI MAGAZINE | FEB 2014

CIGNA MEDICAL INSURANCE PLANS GO MULTILINGUAL MEDICAL INSURANCE PLANS IN GERMAN FRENCH DUTCH AND SPANISH FRONT COVER Mr. Phil Austin, Head of Global IPMI CIGNA International

iPOLICY >> International Health Insurance | International Medical Insurance | Expatriate Health Insurance

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CIGNA LAUNCHES NEW INTERNATIONAL HEALTH INSURANCE PLANS FOR INDIVIDUALS Monday, 19 August 2013 07:48

8 Plans were developed after a period of customer and market research which identified a gap in the market for an affordable, high quality, high service healthcare plan.

but maintain high service levels. The new plans are about giving customers much more choice, so they can get all the cover they need without having to pay for cover they don’t need. After all, if you know you won’t need maternity care, why should you pay for a plan which includes it?”

KEY FEATURES OF THE NEW PLANS: + Choice of Silver, Gold or Platinum options International Medical Insurance core cover as standard, covering inpatient hospital stays, specialist consultants, cancer care etc, and also maternity care on Platinum and Gold plans + Flexibility to build a unique plan with a range of additional optional modules, including Outpatient cover; Medical Evacuation; Health & Wellbeing; and Vision & Dental cover + Manage premiums with deductible and cost share options on core and Outpatient Comprehensive cancer care as standard + No maximum age restrictions and Guaranteed renewability

International Private Medical Insurance Magazine | Expat Health Insurance | Expatriate Health Care

Health insurance News

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igna is excited to announce the launch of a brand new suite of international health insurance products. The Cigna Global product suite, which is targeted to expatriates and globally mobile individuals, has been expanded to create a new three-level international health insurance plan.

Phil Austin, Head of Global iPMI said, “The new plans have been developed in response to customer and broker demand for a wider range of products which span across different market segments. The new plans give us the ability to provide products which suit a greater footprint of customers, and with the added flexibility of teaming a modular approach with deductible and cost share options, it has become really easy for customers to build a plan which is matched to the their unique needs.

The plans were developed after a period of customer and market research which identified a gap in the market for an affordable, high quality, high service healthcare plan. Our customers appreciated our existing high-service Global Health Options plan which performed well at the upperend of the market.

We identified an acute need for additional quality, affordable plans in the middlemarket: for those individuals who are moving abroad but are paying for their plan themselves and want to contain costs

Health insurance News

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NEW COVER FOR THE UNTAPPED SEAFARERS MARKET FROM GLOBALITY HEALTH FEATURES

Monday, 19 August 2013 07:29

8 Crewsure Marine is a composite ‘no fault’ insurance policy, paid

for by the Employer, providing personal insurance for seafarers.

Crewsure Marine is underwritten by Globality Health and KA Köln. partners have joined forces to deliver first class care and the best insurance service to the maritime industry. We give Crewsure clients the strength of one of the world’s leading insurers and reinsurers, so crewmembers can feel safe and secure whatever ocean they cross.”

Robert Johnston, Crewsure Marine said, “Crewsure will work harmoniously with the maritime industry to give seafarers the security and benefits they deserve.

Crucially, we engage with unions, shipowners, ship managers, manning agents and the insurance industry and will continue to do so to ensure that Crewsure remains evolutionary.”

Crewsure Marine is underwritten

by Globality Health and KA Köln.

Assekuranz Agentur GmbH on behalf of Great Lakes Reinsurance PLC all part of Munich Re. l

Health insurance News

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lobality Health responded to the need for appropriate insurance for seafarers by partnering with Crewsure (crewsure.com) to offer clients innovative insurance products. From August 20th 2013 all vessels over a certain size have to comply with a new labour convention known as the Maritime Labour Convention (MLC) 2006. New product, Crewsure Marine, supports the health and wellbeing of onboard crew and also fully meets the revised Maritime Labour Convention (MLC) regulations.

Crewsure Marine is a composite ‘no fault’ insurance policy, paid for by the Employer, providing personal insurance for seafarers.

This includes medical care, personal accident cover, loss or delay of baggage and repatriation in the case of abandonment.

Although the Crewsure product has been designed as a single solution, should a ship owner have sourced elements elsewhere the product can be separated as appropriate.

Philip Wright, Chief Commercial Officer, Globality Health commented, “It is our firm belief that the best

iPOLICY >> International Health Insurance | International Medical Insurance | Expatriate Health Insurance

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ALC HEALTH EXTENDS THEIR RANGE OF PRIMA HEALTHCARE PLANS PROVIDING EVEN MORE OPTIONS Monday, 19 August 2013 06:50

8 Aimed at the growing demand for low cost quality international medical insurance plans across Asia, Europe, Africa and the Middle East.

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and High Net Worth Individuals who are looking for the ‘best available’ cover.

Andrew Apps, Director at ALC Health, “We have been listening carefully to what iPMI brokers across the world have been saying to us about the need for both high level and value added products which would fill the gap around many traditional expatriate plans common place to international medical insurance providers. Their insight has been invaluable and enabled ALC Health to create two exciting new iPMI solutions that we believe provide a real answer to the growing demand for flexible iPMI particularly across the emerging markets of SE Asia and Continental Africa where demand for products that combine financial security with high quality customer support has never been greater. Whether there is a need for traditional expatriate cover, a ‘no frills’ package or an allencompassing top end solution, ALC Health’s new extended range of Prima Healthcare plans really do fit the bill in more ways than one.” l

International Private Medical Insurance Magazine | Expat Health Insurance | Expatriate Health Care

Health insurance News

LC Health has launched two new international health insurance plans. Prima Concept is a new budget plan targeting those who are looking for their basic healthcare necessities to be covered including hospital care, specialist treatments, family doctor fees and emergency evacuation benefits. Aimed at the growing demand for low cost quality international medical insurance plans across Asia, Europe, Africa and the Middle East, Prima Concept offers a choice of currency and excess options that make this new plan particularly attractive to anyone looking for medical insurance on a budget.

Prima Platinum, a benefit rich package, is ALC Health’s second new offering aimed at the top end of the market. With an extensive range of high value benefits and the option to select from a choice of four levels of routine pregnancy and childbirth cover, enhanced routine dental benefits and full refund evacuation or repatriation cover, Prima Platinum is aimed at International Executives

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ULTRACARE POWER LAUNCHED FOR OIL AND GAS INDUSTRY Tuesday, 13 August 2013 00:00

8 New plan developed by international health insurer InterGlobal for brokers with clients in the regional Energy and Power sector. UltraCare Power will initially be available in Singapore.

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thousands of people involved in onshore and offshore production. They need top quality, affordable medical insurance matched exactly to their working lives. Many work offshore or travel extensively to remote locations. There are also a high number of contractors in the industry which means that people need to be able to access quality cover at an affordable premium without joining an employer’s scheme.

We launched UltraCare Power to give energy workers a real choice when choosing medical insurance.

It gives employers, individual contractors and their families the reassurance that they can receive treatment when they need it for a cost effective premium. The launch of UltraCare Power is great example of our strategy to focus on developing products to meet the exact needs of local markets.

When our intermediary partners told us there was a real demand for a competitive oil and gas IPMI plan across Asia, we went all out to develop a plan that fitted the needs of the industry in the region.” l International Private Medical Insurance Magazine | Expat Health Insurance | Expatriate Health Care

Health insurance News

ltraCare Power a medical insurance plan especially for the oil and gas industry in Asia has been launched today.

UltraCare Power will initially be available in Singapore and eventually rolled out across Asia.

UltraCare keeps premium levels competitive for workers by focusing on core benefits. Two levels of cover are available, UltraCare Power Select and Power Plus. Both give members and families access to emergency, hospital and out-patient treatment.

UltraCare Power Plus also covers dental treatment, wellness benefits and cover for chronic conditions.

Emergency medical evacuation and repatriation is available as an option.

Most workers have evacuation cover provided by their employers, so making the benefit optional avoids the risk of members paying for a benefit they do not need.

Alistair Dickman, Country Manager and Chief Executive, InterGlobal Singapore said, “Singapore is an important centre for the oil and gas industry in Asia, with

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MH ROSS UNVEILS ENHANCED ASSET AND ASSET PLUS TRAVEL INSURANCE PLANS Friday, 26 July 2013 03:25

8 Responding to current health care cost realities, the plans also offer higher limits for medical and emergency medical evacuation coverage while traveling.

Health insurance News

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H Ross Travel Insurance Services today announced major enhancements to its popular Asset and Asset Plus plans.

Among the most significant new features is a flat rate for children designed especially for cost-conscious traveling families.

The Asset plan’s rate is $14 for all children 17 years or younger traveling with the family.

The Asset Plus plan’s rate is $25. On both plans, coverage is limited to a maximum trip duration of 60 days and a maximum vacation cost of $50,000 per person.

This flat-rate feature also makes MH Ross plans highly attractive when compared with competing plans that do not charge for children but are costlier overall.

Another distinctive new feature is an adventure sports coverage option.

For an additional cost of $25 per person, travelers who enjoy such activities as skydiving, mountain

climbing, spelunking, parachuting, hang gliding, or bungee jumping can receive medical and medical evacuation coverage if participation in one of these activities while traveling results in an accident or injury. In addition, the Asset and Asset Plus plans offer several other new and enhanced features.

The new features include the ability to recover lost vacation costs due to cancellation because of a pregnancy that occurs after the insurance was purchased, a hurricane warning, a school year extension that conflicts with a planned vacation, or an employer canceling an employee’s vacation.

Among the key plan enhancements are higher medical coverage limits (raised from $25,000 to $50,000) and higher emergency medical evacuation limits (raised from $50,000 to $500,000).

“We’re delighted to announce so many new features and enhancements to our Asset and Asset Plus plans all at once,” said Sheri Machat, Senior Vice President, MH Ross. l

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HISCOX LAUNCHES FIRST ANTIBRIBERY INSURANCE AND RESPONSE PRODUCT Tuesday, 16 July 2013 11:01

8 2010 UK Bribery Act created a new corporate offence for businesses of ‘failure to prevent’ an act of bribery. 1st combined anti-bribery response, defence and expense insurance product launched.

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bribery risk which is not currently met by any existing insurance/response product and this is why we have teamed up with Control Risks and a number of leading law firms to offer a market first.”

John Conyngham, Group General Counsel, Control Risks, “UK companies in every industry increasingly need to venture overseas to ensure growth. As they do so, they face the potential for greater risk in unfamiliar environments in addition to the need to employ local partners to conduct business on their behalf.

It is this combination of factors that makes them especially vulnerable to the threat of bribery. At the same time, the UK authorities are intent on cracking down on incidences of bribery under the UK Bribery Act. It is therefore vital that businesses are prepared to respond effectively to bribery allegations as soon as they arise. Key to these preparations is the need to have in place a plan for managing the incident on a global basis, including pre-agreed protocols for engaging specialist investigations firms and advisors. ” l

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Health insurance News

iscox has launched the first combined anti-bribery response, defence and expense insurance product for UK businesses.

Bribery Act Response Insurance helps businesses with the costs and practical steps required to successfully investigate and defend an actual, or suspected, Section 7 Bribery Act offence.

The 2010 UK Bribery Act created a new corporate offence for businesses of ‘failure to prevent’ an act of bribery. Under the Act, the Serious Fraud Office is increasing the number of businesses it investigates as it moves towards a zero tolerance policy.

Marcus Breese, Casualty Underwriter at Hiscox, said, “Bribery is a growing and ever present danger for UK businesses, particularly those with a multi-national presence and those that use a lot of third party vendors. The UK Bribery Act made it very clear that a failure to prevent a bribe can lead to prosecution of the corporate entity and the Serious Fraud Office is increasingly adopting a zero tolerance approach. British businesses have a real exposure to

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The premier health plan for U.S. Expatriates

Offered by HTH Worldwide and designed exclusively for U.S. citizens on the move. portable worldwide · expatriate medical coverage · no waiting periods for most benefits or services · U.S. admitted, credible health plan · destination-based doctors, hospitals and security profiles · cashless access to providers in 180 countries

Let HTH Worldwide help you find a doctor you can trust For More Information: Visit

www.hthtravelinsurance.com

Call

1.888.243.2358 or 610.254.8769

Email

sales@hthworldwide.com

HTH Worldwide plans are underwritten by BCS Insurance Company. BCS, known for innovative product development and special risk underwriting, is rated “A-” (Excellent) by A.M. Best Company.

HTH Worldwide

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flexible life, accident & health solutions

Strategic Broking offer a fresh approach to specialist Life, Accident and Health insurance solutions to brokers, consultants and intermediaries worldwide.

We understand that each customer is different so we work closely with you to identify their needs using our knowledge and experience and we will then seek a cost effective solution.

Our products offer some of the very best cover available in the market today on very competitive terms. Cover can be arranged on a stand alone basis or to fill a gap within another policy.

Strategic Broking is the insurance broking arm of Strategic Insurance Services Ltd, an independent Lloyd’s Broker with a flexible approach and access to a wide range of insurers to provide the right solution for your customers.

We look forward to working with you.

www.strategicbroking.com

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International Private Medical Insurance Magazine | Expat Health Insurance | Expatriate Health Care

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