by clicking the arrows at the side of the page, or by using the toolbar.
by clicking anywhere on the page.
by dragging the page around when zoomed in.
by clicking anywhere on the page when zoomed in.
web sites or send emails by clicking on hyperlinks.
Email this page to a friend
Search this issue
Index - jump to page or section
Archive - view past issues
Expat Investor : December 2008
HEALTHCARE Health forum – the experts have their say In our annual health forum we invite the experts to take the pulse of the international health industry for expats, flagging up market conditions, concerns and trends as well as product developments. now access healthcare without having to meet some of the costs themselves. In addition we have also increased our benefit for pregnancy and childbirth from £4,000 to £10,000. With more legislative changes in the pipeline, both in Europe and further afield, expatriates need to take into consideration both their own needs, the benefits available and legislative requirements when purchasing insurance for themselves and their families. As with all healthcare insurance policies, terms and conditions apply and your insurer will be able to advise you of these. the UK in 2006 the demand for an expatriate lifestyle is on the increase. The world may be a smaller KAREN TEASDALE, Marketing Manager, Overseas Operations, AXA PPP Healthcare With over 400,000 Britons leaving place, but as the list of expatriate destinations grows, the complexities of choosing the right health insurance also increase. Again this year we have seen changes in legislation abroad affecting access to healthcare (Spain being one example) which necessitates the purchase of private health insurance by expatriates who have set up home away from home. Although the price of comprehensive insurance can be perceived as relatively high, the benefits and services can outweigh the cost. For example, they can cover costs of prescribed out- patient drugs and dressings, and members are usually able to choose where they are treated. Many expatriates may be considering the value of their insurance policies and if they can justify the costs associated. It is only when you look at the costs of a hip replacement (up to £18,000) or having a baby privately (up to £7,000) in France that you realise that cancelling or taking a reduced benefit policy may be a false economy. At AXA PPP healthcare, we constantly review our policies to meet the needs of individuals and corporate groups taking out international insurance. For example, we have enhanced benefits on our policies taking effect from October this year by removing our £20 excess on out-patient benefits. This means members can “I love the feeling that my employees have a choice of hospital” Would you want to know that, no matter where you were in the world, you would be taken to the best place for treatment? To get the feeling, there’s only one number to call. DR SNEH KHEMKA, Medical Director, BUPA International 2009 is likely to be characterised by increasing regulation of healthcare in key markets around the world. This trend has been on the rise for several years, particularly in key markets within the Middle East and Asia, as local governments look to regulate international providers and protect their domestic healthcare systems from being overburdened by large communities of expatriates living and working within their markets. In 2009 we can expect to see the trend intensify, with the likely introduction of tightened regulations in Dubai, for example, following on from those already in place in neighbouring Abu Dhabi. The challenge for expatriates will be to keep pace with the speed of regulatory change in the markets where they live and to make sure they avoid being caught out by Unrivalled network of hospitals and clinics Call +44 (0) 1273 208181 or visit www.bupa-intl.com 14 EXPAT INVESTOR ? December 2008 Your calls will be recorded and may be monitored. The above example draws from the experiences of a number of our members or staff; it is not intended to represent the details of any specific individuals or their circumstances. Fast Facts 10006 expatinvestor.com
January February 2009