International and expatriate healthcare and insurance 2016
![](/report_cover/2062/international-n-expatriate-healthcare-n-insurance-2014_en.gif)
- The global demand for health insurance is rising fast
- There are opportunities for health insurers and brokers
- The numbers of expatriates is rising and will increase
- Up to one in three expats has no health insurance
- Locals, students and NGO workers need cover too
- Compulsory cover is increasingly popular with countries
- Countries are moving to insurance company based compulsory systems
- Rules on what providers can offer are tightening
There are more opportunities than ever for insurers and brokers to sell health insurance globally to locals and expatriates.
To do so successfully companies need to understand how healthcare and health insurance works in each targeted country- and what the competition is doing. Compulsory insurance, voluntary top up covers, differences between what you can sell to locals and expatriates, rules on overseas investors, compulsory local partnerships, economic sanctions, and even local politics are all things that insurers and brokers must understand- as are newer factors of controls on insurance and healthcare prices, and recent compulsory health insurance rules for travelers or students.
Competition for business is not just from global groups, as regional groups and strong national insurers also want a slice of the market. Do you follow the crowd to the Gulf, or see more potential in Africa, Asia and South America?
The game is changing fast- such as the country that brought in compulsory free insurance for citizens and with no warning scrapped the plan and told them to buy their own cover.
The last 2 years has seen massive changes in who owns who, who is partnering with who and local healthcare/insurance offerings.
Historic information is interesting, but as investment companies warn 'Past performance is no guide to future success'
A report that looks at the now and the future-rather than the past- is essential.
Author Ian Youngman says, 'This report has taken longer than expected as fast changing events meant I had to make changes- sometimes it felt it was going backwards. I have updated the previous report and doubled the number of companies, added new sections, added 60 countries, and restructured it to make it more logical.'
The report is in 3 sections
- IPMI overview
- Country profiles
- Company profiles
INTRODUCTION
INTERNATIONAL HEALTH INSURANCE FIGURES
Global premium problems
Premium retention in countries
Premiums and local taxes
Local partnerships
Muddying the waters
It is not health insurance
HEALTH INSURANCE
Compulsory health insurance
Health insurance claims
Health insurance for females
Health insurance market potential
Health insurance market size
Health insurance and universal healthcare
INTERNATIONAL HEALTH INSURANCE MARKET
Buying the market overseas
Distribution
Healthcare or health insurance
History
Market potential
Hospitals offering health insurance
Numbers of insurers
Systemically important insurers
Insurance companies
Lloyd’s of London
How Lloyds’ works
Lloyds’ brokers
Managing general agents
Third party administrators
Insurance brokers
Financial advisors
Insurance agents
Banks
Health insurance trade bodies
Advertising regulation
Medical price comparison sites
Health insurance comparison sites
Micro insurance
Mobile technology
Private exchanges
Self- insurance
Smart phones
Social media
Videos
INTERNATIONAL HEALTH INSURANCE PRODUCTS COVER
International insurance versus domestic insurance
EXPATRIATE NUMBERS
Expatriate figures
Global number of expatriates
Global population trends
European population trends
Global economic trends
Expatriates, migrants and refugees
European migration statistics
Why people emigrate
Global mobility
Comparing where expatriates live
Expatriates in the Gulf
Expatriate population as % of worldwide population
Expatriate or international migrant
Refugees and expatriates
Refugees
Total number of non-citizens
CUSTOMERS
Target markets for insurers
What is an expatriate?
Expatriate characteristics
Expatriate salaries and benefits
Buyers
Maritime
High net worth
How people choose international health insurance
Mining
Music industry
NGOs
Need
Oil and gas
Questions potential customers ask
Retirees
Self-employed
Short assignments
Short-term cover
Students
Target ages
Teachers
Wealthy expatriates
Who can be covered?
Why companies buy it
Why individuals buy it
Why needs are changing
Why not just buy cover locally
Women
THE PRODUCT
Addiction treatment
Admitted policies
Budget covers
Cancer
Choice of cover or set packages?
Claims
Compliance with local law
Consumer Rights Act 2015
Co-payments
Critical illness
Currency
Danger zones
Diabetes treatment
Duty of care
Emergency assistance
Emergency evacuation
Fertility treatment
Fraud
Global cover
Helplines
Income protection
International medical accreditation
Medical evacuation and repatriation
Medical tourism
Medical travel insurance
Obesity treatment
Organ transplants
Passive war
Political risks
Pricing
Price regulation
Pricing on group schemes
red 24
Risk management
Second opinion
Security and travel advice
Takaful
Takaful health
Term life
Top up covers
Travel insurance
Underwriting
War risks
Wearables
GLOBAL RESEARCH ON HEALTHCARE
GLOBAL RESEARCH ON TRAVEL
REGIONAL RESEARCH ON HEALTHCARE
REGIONAL RESEARCH ON TRAVEL
REGIONAL INFORMATION
Africa
Americas
Asia
Australasia
Caribbean
Europe
Middle East
GLOBAL HEALTHCARE ORGANISATIONS
GLOBAL HEALTH ACCREDITATION ORGANISATIONS
COUNTRY PROFILES LOOK AT -
Healthcare, healthcare reforms and price controls
Healthcare cities and cross-border healthcare
State health insurance and planned reform
Compulsory health and travel health insurance and planned reforms
Compulsory travel health insurance
Private health insurance and supplementary covers
Health insurance regulation and planned reform
Health insurance price regulation and planned reform
COUNTRY PROFILES
Country background
Population
Tourism numbers
Politics
Economy
Healthcare
Competition reports on private healthcare
Healthcare for expatriates
Healthcare reform
Healthcare patient information
Healthcare price controls
Healthcare regulation
Healthcare regulation reform
State health insurance
State health insurance top ups
State health insurance reform
Compulsory health insurance
Compulsory health insurance top ups
Compulsory health insurance reform
Compulsory travel health insurance
Private health insurance
Private health insurance reform
Competition reports on health insurance
Health insurance regulation
Health insurance regulation reform
Health insurance price regulation
Health insurance price regulation reform
Health insurance price comparison sites
Health insurers and medical tourism
Number of locals living overseas
Insurance for locals overseas
Number of expatriates
Where expatriates come from
Attitude to expatriates
Requirements for expatriates
Advice to expatriates
Key health insurers and brokers with head office there
International health insurers/ brokers activity
Research reports on healthcare
Research reports on health insurance
Research reports on expatriates
COUNTRIES
Abu Dhabi
Afghanistan
Albania
Algeria
Andorra
Angola
Antigua
Argentina
Armenia
Australia
Austria
Azerbaijan
Bahamas
Bahrain
Bangladesh
Barbados
Belarus
Belgium
Belize
Bermuda
Bolivia
Bosnia
Botswana
Brazil
British Virgin Islands
Brunei Darussalam
Bulgaria
Burkina Faso
Burundi
Cambodia
Canada
Cayman Islands
Chile
China
Colombia
Costa Rica
Croatia
Cuba
Curacao
Cyprus
Czech Republic
Denmark
Dominica
Dominican Republic
Dubai
Ecuador
Egypt
Ethiopia
Fiji
Finland
France
Georgia
Germany
Ghana
Gibraltar
Greece
Guatemala
Guernsey
Guyana
Honduras
Hong Kong
Hungary
Iceland
India
Indonesia
Iran
Iraq
Ireland
Israel
Italy
Jamaica
Japan
Jersey
Jordan
Kazakhstan
Kenya
Kuwait
Kyrgyzstan
Latvia
Lebanon
Lesotho
Libya
Lithuania
Luxembourg
Macedonia
Malawi
Malaysia
Maldives
Malta
Mauritius
Mexico
Moldova
Monaco
Mongolia
Montenegro
Morocco
Mozambique
Myanmar
Netherlands
New Zealand
Nicaragua
Nigeria
Norway
Oman
Pakistan
Panama
Papua New Guinea
Paraguay
Peru
Philippines
Poland
Portugal
Puerto Rico
Qatar
Romania
Russia
Rwanda
St Kitts and Nevis
St Lucia
Saudi Arabia
Serbia
Singapore
Slovak Republic
Slovenia
South Africa
South Korea
Spain
Sri Lanka
Sudan
Swaziland
Sweden
Switzerland
Syria
Taiwan
Tanzania
Thailand
Trinidad and Tobago
Tunisia
Turkey
Turks and Caicos
Uganda
Ukraine
United Arab Emirates
United Kingdom
USA
Uruguay
Venezuela
Vietnam
Yemen
Zambia
Zimbabwe
COMPANY INFORMATION
Country base
HQ
Overview
Customer numbers
Company plan
Financials
Buying and selling businesses
Partnerships
Recent marketing changes
Recent product changes
Recent service changes
Recent claims changes
Digital technology
Country involvement A to Z
Companies profiled
A Plus
Achmea
ADNIC
AIA
AIG
Aetna
Aetna and Humana in 2017
ALC Health
Alliance Group
Allianz
Amariz
Anbang
Antae
Anthem and Cigna in 2017
APRIL
ASSA
ASSSA
Aviva
AXA
Bellwood Prestbury
Blue Cross
Blue Cross Blue Shield
Bupa
CCW
Chubb
Cigna
Clements Worldwide
CM International
Collinson
Daman
DavidShield
Discovery
Exclusive Healthcare
Exeter
Expatriate Group
Fairfax
Fosun
Freedom Health
General & Medical
Generali
Global Benefits
Global Underwriters
Gulf Insurance Group
Healix
HealthCare International
Henner
Humana
Humanis
IMG
Integra Global
Jardine
Jubilee
LAMP
Liberty Mutual
MAPFRE
Marsh McLennan
Medicover
Met Life
MMI
Morgan Price
Munich
Mutua Madrilena
New India
nib
Old Mutual
Oman Insurance
Pacific Cross
Pacific Prime
Pan-American Life
Primary Group
Punter Southall
Qatar Insurance
RBI Premium
Saico
JW Seagon
Seven Corners
Siaci Saint Honore
Starr
State Life
Status Global
Swiss Global
Swiss Life
Tokio Marine
UnitedHealth
Union Insurance
Vhi
VSP
WellAway
William Russell
Willis
Zurich
IF YOU ARE LOOKING FOR-
ACE is now Chubb
Aria is now Astrenska and owned by Collinson
Avantis Health - has vanished
Brit Insurance is part of Fairfax
Expacare is part of Jardine
Expatriate Healthcare is now Expatriate Group
Geo Blue is part of Bupa
Global Health Asia is part of April
Globality Health is part of Munich Health
GMC is now Henner
Hauteville is part of Allianz
HCC is part of Tokio Fire and Marine
HTH Worldwide is part of Blue Cross Blue Shield
InterGlobal is part of Aetna
IPH is part of Axa
Jelf is part of Marsh McLennan
Medibroker is part of April
Medicare International is now April International
Mercer is part of Marsh McLennan
Momentum is part of MMI
MSH International is part of Siaca Saint Honore
NowCompare is part of Alliance Group
Now Health International is part of Primary Group
Passport2Health closed
PruHealth is now Vitality Health, owned by Discovery
RSA sold off all health insurance interests
Sano is now Antae
Sirius International is part of CM International
Towers Watson is part of Willis
Wellpoint is now Anthem
INTERNATIONAL HEALTH INSURANCE FIGURES
Global premium problems
Premium retention in countries
Premiums and local taxes
Local partnerships
Muddying the waters
It is not health insurance
HEALTH INSURANCE
Compulsory health insurance
Health insurance claims
Health insurance for females
Health insurance market potential
Health insurance market size
Health insurance and universal healthcare
INTERNATIONAL HEALTH INSURANCE MARKET
Buying the market overseas
Distribution
Healthcare or health insurance
History
Market potential
Hospitals offering health insurance
Numbers of insurers
Systemically important insurers
Insurance companies
Lloyd’s of London
How Lloyds’ works
Lloyds’ brokers
Managing general agents
Third party administrators
Insurance brokers
Financial advisors
Insurance agents
Banks
Health insurance trade bodies
Advertising regulation
Medical price comparison sites
Health insurance comparison sites
Micro insurance
Mobile technology
Private exchanges
Self- insurance
Smart phones
Social media
Videos
INTERNATIONAL HEALTH INSURANCE PRODUCTS COVER
International insurance versus domestic insurance
EXPATRIATE NUMBERS
Expatriate figures
Global number of expatriates
Global population trends
European population trends
Global economic trends
Expatriates, migrants and refugees
European migration statistics
Why people emigrate
Global mobility
Comparing where expatriates live
Expatriates in the Gulf
Expatriate population as % of worldwide population
Expatriate or international migrant
Refugees and expatriates
Refugees
Total number of non-citizens
CUSTOMERS
Target markets for insurers
What is an expatriate?
Expatriate characteristics
Expatriate salaries and benefits
Buyers
Maritime
High net worth
How people choose international health insurance
Mining
Music industry
NGOs
Need
Oil and gas
Questions potential customers ask
Retirees
Self-employed
Short assignments
Short-term cover
Students
Target ages
Teachers
Wealthy expatriates
Who can be covered?
Why companies buy it
Why individuals buy it
Why needs are changing
Why not just buy cover locally
Women
THE PRODUCT
Addiction treatment
Admitted policies
Budget covers
Cancer
Choice of cover or set packages?
Claims
Compliance with local law
Consumer Rights Act 2015
Co-payments
Critical illness
Currency
Danger zones
Diabetes treatment
Duty of care
Emergency assistance
Emergency evacuation
Fertility treatment
Fraud
Global cover
Helplines
Income protection
International medical accreditation
Medical evacuation and repatriation
Medical tourism
Medical travel insurance
Obesity treatment
Organ transplants
Passive war
Political risks
Pricing
Price regulation
Pricing on group schemes
red 24
Risk management
Second opinion
Security and travel advice
Takaful
Takaful health
Term life
Top up covers
Travel insurance
Underwriting
War risks
Wearables
GLOBAL RESEARCH ON HEALTHCARE
GLOBAL RESEARCH ON TRAVEL
REGIONAL RESEARCH ON HEALTHCARE
REGIONAL RESEARCH ON TRAVEL
REGIONAL INFORMATION
Africa
Americas
Asia
Australasia
Caribbean
Europe
Middle East
GLOBAL HEALTHCARE ORGANISATIONS
GLOBAL HEALTH ACCREDITATION ORGANISATIONS
COUNTRY PROFILES LOOK AT -
Healthcare, healthcare reforms and price controls
Healthcare cities and cross-border healthcare
State health insurance and planned reform
Compulsory health and travel health insurance and planned reforms
Compulsory travel health insurance
Private health insurance and supplementary covers
Health insurance regulation and planned reform
Health insurance price regulation and planned reform
COUNTRY PROFILES
Country background
Population
Tourism numbers
Politics
Economy
Healthcare
Competition reports on private healthcare
Healthcare for expatriates
Healthcare reform
Healthcare patient information
Healthcare price controls
Healthcare regulation
Healthcare regulation reform
State health insurance
State health insurance top ups
State health insurance reform
Compulsory health insurance
Compulsory health insurance top ups
Compulsory health insurance reform
Compulsory travel health insurance
Private health insurance
Private health insurance reform
Competition reports on health insurance
Health insurance regulation
Health insurance regulation reform
Health insurance price regulation
Health insurance price regulation reform
Health insurance price comparison sites
Health insurers and medical tourism
Number of locals living overseas
Insurance for locals overseas
Number of expatriates
Where expatriates come from
Attitude to expatriates
Requirements for expatriates
Advice to expatriates
Key health insurers and brokers with head office there
International health insurers/ brokers activity
Research reports on healthcare
Research reports on health insurance
Research reports on expatriates
COUNTRIES
Abu Dhabi
Afghanistan
Albania
Algeria
Andorra
Angola
Antigua
Argentina
Armenia
Australia
Austria
Azerbaijan
Bahamas
Bahrain
Bangladesh
Barbados
Belarus
Belgium
Belize
Bermuda
Bolivia
Bosnia
Botswana
Brazil
British Virgin Islands
Brunei Darussalam
Bulgaria
Burkina Faso
Burundi
Cambodia
Canada
Cayman Islands
Chile
China
Colombia
Costa Rica
Croatia
Cuba
Curacao
Cyprus
Czech Republic
Denmark
Dominica
Dominican Republic
Dubai
Ecuador
Egypt
Ethiopia
Fiji
Finland
France
Georgia
Germany
Ghana
Gibraltar
Greece
Guatemala
Guernsey
Guyana
Honduras
Hong Kong
Hungary
Iceland
India
Indonesia
Iran
Iraq
Ireland
Israel
Italy
Jamaica
Japan
Jersey
Jordan
Kazakhstan
Kenya
Kuwait
Kyrgyzstan
Latvia
Lebanon
Lesotho
Libya
Lithuania
Luxembourg
Macedonia
Malawi
Malaysia
Maldives
Malta
Mauritius
Mexico
Moldova
Monaco
Mongolia
Montenegro
Morocco
Mozambique
Myanmar
Netherlands
New Zealand
Nicaragua
Nigeria
Norway
Oman
Pakistan
Panama
Papua New Guinea
Paraguay
Peru
Philippines
Poland
Portugal
Puerto Rico
Qatar
Romania
Russia
Rwanda
St Kitts and Nevis
St Lucia
Saudi Arabia
Serbia
Singapore
Slovak Republic
Slovenia
South Africa
South Korea
Spain
Sri Lanka
Sudan
Swaziland
Sweden
Switzerland
Syria
Taiwan
Tanzania
Thailand
Trinidad and Tobago
Tunisia
Turkey
Turks and Caicos
Uganda
Ukraine
United Arab Emirates
United Kingdom
USA
Uruguay
Venezuela
Vietnam
Yemen
Zambia
Zimbabwe
COMPANY INFORMATION
Country base
HQ
Overview
Customer numbers
Company plan
Financials
Buying and selling businesses
Partnerships
Recent marketing changes
Recent product changes
Recent service changes
Recent claims changes
Digital technology
Country involvement A to Z
Companies profiled
A Plus
Achmea
ADNIC
AIA
AIG
Aetna
Aetna and Humana in 2017
ALC Health
Alliance Group
Allianz
Amariz
Anbang
Antae
Anthem and Cigna in 2017
APRIL
ASSA
ASSSA
Aviva
AXA
Bellwood Prestbury
Blue Cross
Blue Cross Blue Shield
Bupa
CCW
Chubb
Cigna
Clements Worldwide
CM International
Collinson
Daman
DavidShield
Discovery
Exclusive Healthcare
Exeter
Expatriate Group
Fairfax
Fosun
Freedom Health
General & Medical
Generali
Global Benefits
Global Underwriters
Gulf Insurance Group
Healix
HealthCare International
Henner
Humana
Humanis
IMG
Integra Global
Jardine
Jubilee
LAMP
Liberty Mutual
MAPFRE
Marsh McLennan
Medicover
Met Life
MMI
Morgan Price
Munich
Mutua Madrilena
New India
nib
Old Mutual
Oman Insurance
Pacific Cross
Pacific Prime
Pan-American Life
Primary Group
Punter Southall
Qatar Insurance
RBI Premium
Saico
JW Seagon
Seven Corners
Siaci Saint Honore
Starr
State Life
Status Global
Swiss Global
Swiss Life
Tokio Marine
UnitedHealth
Union Insurance
Vhi
VSP
WellAway
William Russell
Willis
Zurich
IF YOU ARE LOOKING FOR-
ACE is now Chubb
Aria is now Astrenska and owned by Collinson
Avantis Health - has vanished
Brit Insurance is part of Fairfax
Expacare is part of Jardine
Expatriate Healthcare is now Expatriate Group
Geo Blue is part of Bupa
Global Health Asia is part of April
Globality Health is part of Munich Health
GMC is now Henner
Hauteville is part of Allianz
HCC is part of Tokio Fire and Marine
HTH Worldwide is part of Blue Cross Blue Shield
InterGlobal is part of Aetna
IPH is part of Axa
Jelf is part of Marsh McLennan
Medibroker is part of April
Medicare International is now April International
Mercer is part of Marsh McLennan
Momentum is part of MMI
MSH International is part of Siaca Saint Honore
NowCompare is part of Alliance Group
Now Health International is part of Primary Group
Passport2Health closed
PruHealth is now Vitality Health, owned by Discovery
RSA sold off all health insurance interests
Sano is now Antae
Sirius International is part of CM International
Towers Watson is part of Willis
Wellpoint is now Anthem