Flywire
PassportCard

iPMI Market Interviews

Interviews

iPMI Global Speaks with Neil Kirby, CEO, Global Individual Health, Cigna International

In this exclusive iPMI Global interview, Christopher Knight, CEO, iPMI Global, met with Neil Kirby, CEO of Global Individual Health at Cigna International. Kirby discusses the growth of the international private medical insurance (iPMI) market, the challenges facing both insurers and consumers, and the role of Cigna International in providing solutions. He highlights the importance of understanding customer needs, delivering a frictionless service model, and educating customers on preventative healthcare options. Kirby also emphasizes the need for collaboration between insurers and...

18-10-2024 iPMI Global

Interviews

iPMI Global Speaks with Dr Joel Lockwood, Regional Chief Medical Officer Americas, World Travel Protection

In this exclusive iPMI Global interview, Christopher Knight, CEO, iPMI Global, met with Dr Joel Lockwood, Regional Chief Medical Officer Americas, at World Travel Protection. They discussed 2023 in detail and looked at the achievements of World Travel Protection over the past year.

13-12-2023 iPMI Global

International Private Medical Insurance

iPMI Insights

Black Friday with iPMI Global: Save on 2 Major Market Research Reports

International Health Insurance 2024: The Future of International Private Medical Insurance (iPMI) The 2024 iPMI report on the international private medical insurance (iPMI) market, authored by Ian Youngman. The report analyses iPMI market trends, including growth drivers like high-net-worth individuals and international students, and the impact of partnerships and technological advancements. It also profiles 177 countries, 85 insurance companies, and 49 brokers/MGAs. The report is available for purchase in full or modular formats, with discounts for advertisers and subscribers. Accompanying news...

29-11-2024 iPMI Global

iPMI Insights

Global Factors Contributing to Rising International Private Medical Insurance Premiums

In this iPMI Global Insights article, iPMI analyst Christopher Knight reads Pacific Prime’s new iPMI report, which explores the global factors that are contributing to the rising cost of international private medical insurance. The report analyses trends in individual and family International Private Medical Insurance (IPMI) premiums across 100 locations, highlighting key global and regional factors influencing these costs.

12-11-2024 iPMI Global

iPMI Insights

Analysing iPMI Premiums for Individual and Family Plans Across 100 Global Locations

Pacific Prime, a global health insurance brokerage and employee benefits specialist, has released its annual Cost of International Health Insurance (COHI) Report 2024, analyzing IPMI premiums for individual and family plans across 100 global locations.

12-11-2024 iPMI Global

Expatriate Healthcare Insurance News

Expat Employees in Middle East Call for Workplace Pension Schemes

A survey of 1,504 expatriate workers in Qatar, Saudi Arabia and the United Arab Emirates has highlighted contrasting views on workplace benefits. While 84% of those surveyed cited the benefits offered by their employer as playing a role in their decision to move to the Gulf, there is widespread dissatisfaction with the region’s End of Service Gratuity (EoSG) system. These one-off severance payments, a common practice in the Gulf Cooperation Council (GCC) region, are deemed insufficient for meeting retirement needs by 60%...

12-11-2024 iPMI Global

Country Guides

Everest Insurance International® Unveils New Health Insurance Partnership to Transform Employee Care in Singapore

Everest Insurance International has enhanced its growing Accident and Health (A&H) offerings with the launch of Innovator, an AI-driven international private medical insurance product that aims to redefine the standards of employee health coverage. The product is first available in Singapore and was developed in collaboration with DocDoc and AXA Life and Health Reinsurance Solutions.

10-11-2024 iPMI Global

Country Guides

Navigating the LATAM iPMI Market with Best Doctors Insurance

In the iPMI Global Regional article, we discover how Best Doctors Insurance can help expatriates, travellers and tourists navigate the healthcare systems in Latin America. We review the key themes and insights from an interview with Sheldon Kenton, CEO of Best Doctors Insurance, published by iPMI Global. The interview focuses on the company's position in the Latin American international private medical insurance (IPMI) market, highlighting its strategies, the challenges, and opportunities.

08-11-2024 iPMI Global

HX Global 2023 Risk Outlook: A Look at LGBTQ+ Travel Risk

The security environment for members of the LGBTQ+ community has generally improved in 2022. However, employees that identify as LGBTQ+ will continue to face unique challenges during international travel or long-term deployments.

Countries and territories around the world continue to approach legislation relating to LGBTQ+ activity differently. Positions range from full equal rights and protections against discrimination to the death penalty for same-sex relations. Discrimination against LGBTQ+ people creates severe challenges for talent mobility, retention, and development.

Same-sex marriage

There are currently 34 countries in which same-sex marriage is recognized. Discussions pertaining to the recognition of same-sex marriage are ongoing in the Czech Republic, Greece, Israel, India, Liechtenstein, Philippines, and Thailand.

Over the course of the past year, significant developments were seen across the world as same-sex marriages became legalized and/or recognized in Chile, Switzerland, Cuba, and Andorra. In October, Slovenia became the first post-Soviet republic to recognize same-sex marriages and adoption rights for same-sex couples. Tamaulipas became the last of Mexico’s states to authorize same sex-unions. Most recently, Tokyo’s metropolitan government began issuing partnership certificates to same-sex couples living in Japan’s capital, allowing them to be treated as married couples with respect to housing, health, and welfare.

Conversely, 32 countries and four jurisdictions worldwide passed constitutional amendments that explicitly prohibit the legal recognition of same-sex marriage and other forms of legal unions. Guatemala's Congress passed a law that explicitly banned same-sex marriage, while the Privy Council of the United Kingdom upheld the Caymanian and Bermudan constitutional bans on marriages between same-sex people. Singapore's Prime Minister announced plans to reform the constitution in order to prevent the legalization of same-sex marriage, which represents a de-facto ban.

Transgender legislation

Improvements in transgender legislation worldwide have also been reported, with further legislative developments expected in 2023. Countries including Finland, Denmark and Mexico have implemented legislation to guarantee the right to self-determination of gender without a requirement for surgery or sterilization.

However, controversial decisions regarding elite transgender athletes continue to be criticized by LGBTQ+ organisations. This includes the decision made by the Irish Rugby Football Union to ban transgender women from playing contact rugby and another made by the International Swimming Federation (Fina) to ban transgender women from female competitions. Instead, they suggested the creation of a specific category for transgender athletes.

Conversion therapy has been banned in numerous countries through 2021 and 2022, including Canada, Chile, India, France, Greece, and New Zealand. In the US, Wisconsin, Michigan, Minnesota, and Pennsylvania are the latest states to rule that federal and state funds cannot be allocated to conversion therapy. The ban on conversion therapy approved by the United Kingdom in May does not cover transgender people, a decision heavily criticized by LGBTQ+ associations. Countries in the process of discussing potential bans on conversion therapy include Ireland, Israel, Norway, Denmark, and Finland.

What can we expect in 2023?

In 2023, members of the LGBTQ+ community will continue to face unique challenges when it comes to international travel and long-term deployments. LGBTQ+ issues are expected to be a continued source of political polarization around the world. The increasing popularity of far-right political parties in Europe, including the recently-elected Brothers of Italy, the Swedish Democratic Party, and the Polish Law and Justice Party underscores the increasing use of homophobic narratives to score political points.

In the US, Republicans in Congress laid the groundwork for an anti-transgender law which would block funding to colleges that allow transgender women to participate in sports with cisgender women and sanction schools that disobey previously-issued state laws regarding sharing LGBTQ+ materials with minors. While it is unlikely the bills will become law this year since the Democrats narrowly control both chambers of Congress, they may be passed in early 2023 after Republicans regain control of Congress as a result of the November 2022 midterm elections.

Societal and cultural considerations towards LGBTQ+ issues are likely to remain unchanged in the short-to-medium term. Of the 68 countries that criminalize same-sex relations worldwide, 33 are in Africa. Some progress has been made in recent years, but several nations continue actively enforcing discriminatory laws. Discriminatory attitudes are likely to remain in 2023, with minimal changes to legislation expected.

Many developments can be expected in the Asia Pacific region, including the potential decriminalization of same-sex relations in Sri Lanka and the legalization of same-sex unions in Thailand and India. However, discriminatory policies are likely to remain in countries such as Afghanistan, China, Indonesia, Malaysia, and Pakistan.

The security environment in multiple eastern European, Middle Eastern and North African countries continues to be assessed as high or extreme for LGBTQ+ individuals.

Ensure your organization has appropriate risk mitigation measures for LGBTQ+ travel

It is important that organizations create and foster an open environment for all employees. If employees are comfortable disclosing their sexual orientation and gender identity, travel risk assessments should be customized accordingly and take into consideration the location and purpose of travel. These assessments should also consider the prevailing legal, cultural, logistical and security risks that members of the LGBTQ+ community are likely to face.

Many employees may not feel comfortable disclosing their sexual orientation. Therefore, it is critical that organizations have LGBTQ+ travel risk mitigation advice readily accessible to all members of the organization. This can include having LGBTQ+ travel resources available to everyone or offering access to a platform like Healix’s LGBTQ+ e-learning modules. This ensures that all members of your workforce can discreetly access information to keep themselves safe.

Issue country-specific guidelines. These guidelines may include items such as advising LGBTQ+ employees to hold business meetings at inconspicuous venues, indicating when large LGBTQ+ events may be staged and what precautions to take or suggesting ways that LGBTQ+ employees can reduce their profiles. Additionally, monitoring the Healix Sentinel Travel Oracle app can be useful for pre-empting potentially volatile protests.

Ensure that ample legal protections are in place, and that employees know how to access these services. As LGBTQ+ employees may face detention, deportation, assault, or imprisonment in some locations, it is advisable to ensure that employees have access to appropriate legal advice and support. Reach out to national embassies and consulates to understand the level of consular support that may be available in the event that it is required.

Travelers can reduce their risk profile by:

  • Maintain a low profile at all times - even in locations where society is considered tolerant to homosexuality
  • Remain vigilant and ignore provocations. Inform a relevant line manager or HR contact.
  • Avoid public displays of affection where possible
  • Ensure you exercise discretion when disclosing sexual orientation
  • Exercise caution using online LGBTQ+ social media platforms
  • Remain aware of the risks associated with LGBTQ+ venues
UnitedHealthcare Global
Cigna
Flywire

Welcome To iPMI Global

iPMI Global is the leading business intelligence provider for international private medical, health, travel and expatriate insurance markets worldwide. Due to the nomadic nature of the international private medical insurance (IPMI) market, iPMI Global is an internet based news service for worldwide insurance and medical assistance professionals who need to understand the impacts of insurance and healthcare policy, regulatory, and legislative developments.

Senior level business executives, in over 120 countries, rely on iPMI Global to stay 1 step ahead of the risk and on the inside track of international PMI.

Covering business travellers, high net worth individuals, expatriate and leisure travel markets, iPMI Global is the only international news source covering the most exciting sector of international health insurance: international private medical insurance.

Socials