{"id":24131,"date":"2019-07-29T16:26:10","date_gmt":"2019-07-29T14:26:10","guid":{"rendered":"https:\/\/ambrelia.com\/?p=24131"},"modified":"2025-02-27T14:28:51","modified_gmt":"2025-02-27T14:28:51","slug":"mobility-and-technology-are-changing-health-insurance-for-expatriates","status":"publish","type":"post","link":"https:\/\/ambrelia.com\/en\/2019\/07\/mobility-and-technology-are-changing-health-insurance-for-expatriates\/","title":{"rendered":"Global mobility and tech reshape expat health insurance"},"content":{"rendered":"\n

The global mobility of people shifted the definition of\nexpatriation which is becoming obsolete.<\/p>\n\n\n\n

In fact, people move globally because they move from country to\ncountry because they travel for business or leisure and for their needs are\nbecoming more and more global.<\/p>\n\n\n\n

In addition to this, there is a visible trend towards the\nregionalization of centers of excellence. Whereby people know that if they\nincur in need to recieve any specific medical treatment, there are a number of\nrecognized centers of excellence around the world that they need to have access\nto. <\/p>\n\n\n\n

As a result, the traditional concept of health insurance for expatriates<\/a> in itself is changing and becoming global.<\/p>\n\n\n\n

The evolution of international health insurance<\/strong><\/h2>\n\n\n\n

If you think about it, there are several forms of insurance today\nwhich are already global by definition. In that, if you have your life\ninsurance or your disability insurance in case of an event that triggers that\nparticular insurance, you are covered worldwide.<\/p>\n\n\n\n

Healthcare is following the same trend. We are witnessing a\ntransitional private medical insurance. It is a market that keeps growing\nbecause the needs of the customers keep evolving and because a wider class of\ncustomers are entering this market. They are not defined by their nationality\nstatus by the domicile status or by their assignment. They are defined by their\nneeds. Since they live globally and they need a health insurance that follows\nthem and their families wherever they are.<\/p>\n\n\n\n

In fact, statistics expect an important growth in the\ninternationally mobile population, an increase from the current 66 million\nexpatriate to 87.5 million by the year 2020. <\/p>\n\n\n\n

Moreover, it is imperative that international health insurances\nadvice and assist their clients in navigating the local language and customs and insure\ncomfort at times of stress. They have to provide comprehensive and portable\nplans for the expat. <\/p>\n\n\n\n

In a market of more than 57 million expats, international plans\nare much more suitable for expats living aborad. <\/p>\n\n\n\n

Price is generally higher but when value is considered, this\ndisadvantage quickly recedes. In that, some expats may tempt instead to opt for\na local travel policy believing it to offer similar benefits.<\/p>\n\n\n\n

Expats have needs and expectations both locally and globally. So\nintegrating global cover and services with the best local options is the ideal\nsolution.<\/p>\n\n\n\n

Do you know the difference ? <\/strong><\/h2>\n\n\n\n

Travel insurance covers\nlost luggage, flight cancellations and emergency and \/or short term\nmedical treatment. <\/p>\n\n\n\n

In fact, international health insurance covers a multitude of\nareas including medical emergency cover, doctor\u2019s visits, maternity care and\nthe treatment of on-going or chronic conditions.<\/p>\n\n\n\n

On the other hand, it covers non-medical costs such as\ntransportation or repatriation.<\/p>\n\n\n\n

In fact, it is a service tailored for individuals and their\nfamilies living abroad. Inevitably it costs more but this reflects the level of\ncover it provides. <\/p>\n\n\n\n

Knowing that healthcare costs vary from country to country, some\ncountries impose a clear healthcare plan for the visa application such as UK,\nAustralia or the USA. <\/p>\n\n\n\n

Moreover, each\ncountry imposes its own economic sanctions and most financial sanctions regimes\nare more complex than a simple embargo. International Health Plan must comply\nwith local laws and regulations and local needs that differ considerably from\ncountry to country.<\/p>\n\n\n\n

Technology\nis the new key <\/strong><\/h2>\n\n\n\n

A new trend is\nbooming : the intervention of technology and innovation as well as the\nentry of the digital tools are considered as an innovation in the health\ntreatment processes, thus the future of health insurance. <\/p>\n\n\n\n

The digitalisation\nof the insurance sector catalized the development of the market. As a result,\nit facilitated the access to information and care through mobile applications\nand innovations such as virtual health, telemedicine and virtual GP services.\nData will also drive more accurate underwriting and wellness solutions at an\nindividual customer level. The days of the fully personalised cover are not far\noff. <\/p>\n\n\n\n

One of the key\nchanges is forshadowed in the proactive approach that is the focus on keeping\nthe customer well and healthy within a proactive engagement with customers to\nlead them towards long and healthy lives. Which is absolutely not the case with\nTravel Insurance.<\/p>\n\n\n\n

Global mobility\nneeds international medical insurance irrespective of people\u2019s national status\nor residency. Local nationals, expats, and global nomads are driving demand for\nInternational Health insurance products well beyond any residency\nclassification.<\/p>\n\n\n\n

Compulsory\ninsurance, voluntary top-up covers, differences between what you can sell to\nlocals and expatriates, rules on overseas investors, compulsory local\npartnerships and economic sanctions are all things that insurers and brokers\nmust understand.<\/p>\n\n\n\n

Technology, innovation in health treatment and digitisation of processes are also powerful shapers of the future of international health insurance.<\/p>\n\n\n\n

www.ambrelia.com<\/p>\n","protected":false},"excerpt":{"rendered":"

The global mobility of people shifted the definition of expatriation which is becoming obsolete. In fact, people move globally because they move from country to country because they travel for business or leisure and for their needs are becoming more and more global. In addition to this, there is a visible trend towards the regionalization […]<\/p>\n","protected":false},"author":18,"featured_media":24134,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[9],"tags":[],"dipi_cpt_category":[],"class_list":["post-24131","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-classifiee"],"yoast_head":"\nGlobal mobility and tech reshape expat health insurance - Ambrelia<\/title>\n<meta name=\"description\" content=\"The global mobility of people shifted the definition of expatriation which is becoming obsolete. 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