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Expat Investor : August 2009
HEALTHCARE INSURANCE BUPA International Aged 30 Location Essential USA (Zone 1) UAE (Zone 6) France (Zone 7) Netherlands (Zone 8) Aged 65 Location Essential USA (Zone 1) UAE (Zone 6) France (Zone 7) Netherlands (Zone 8) Aged 35 Location Essential USA (Zone 1) UAE (Zone 6) France (Zone 7) Netherlands (Zone 8) Aged 40 Location Essential USA (Zone 1) UAE (Zone 6) France (Zone 7) Netherlands (Zone 8) Child (Aged 0-15) Location Essential USA (Zone 1) UAE (Zone 6) France (Zone 7) Netherlands (Zone 8) Forecasting future trends, Tim Slee, Global Sales Director, says, “There will be demand for the development of increasingly tailored IPMI products that will allow companies and individuals to exactly match cover to their specific £1,296 £462 £433 £395 health, as well as financial needs. We see the move towards increasingly tailored products as the future for IPMI, and it is an area we are investing heavily in. The need for good-quality healthcare while working internationally is seen as £3,357 £1,132 £1,057 £939 £3,195 £1,000 £935 £833 £7,800 £3,344 £3,131 £2,781 £2,900 £919 £861 £764 Level of Cover Classic £4,440 £1,483 £1,384 £1,197 Level of Cover Classic £11,993 £5,178 £4,832 £4,184 Level of Cover Classic £4,776 £1,621 £1,515 £1,313 Level of Cover Classic £5,013 £1,828 £1,706 £1,478 Level of Cover Classic £1,955 £748 £701 £605 Gold £5,486 £1,882 £1,775 £1,487 Gold £15,242 £6,577 £5,195 £5,195 Gold £5,911 £2,048 £1,933 £1,620 Gold £6,223 £2,297 £2,164 £1,812 Gold £2,396 £963 £909 £759 essential by most employers and employees and is highly valued by those on overseas assignments. Indeed, our research shows that peace of mind ranks as one of the top three factors expatriates give for taking our international PMI.” What it means to be bone tired In this regular column on medical conditions, Dr Sneh Khemka, Medical Director, BUPA International, explains Chronic Fatigue Syndrome InterGlobal INTERGLOBAL ULTRACARE COMPREHENSIVE PLAN Europe Single male aged 30 Single male aged 65 Family: male aged 40, female aged 35, first child 10, second child 7 £1,085.71 £3,869.29 £3,280.69 Premiums quoted are for yearly payment option. If monthly or quarterly payments are selected, the total annual premium will be higher. Quotations for the locations given are for the following InterGlobal areas of geographic cover: Europe = Area 1 – Europe. Middle East = Area 2 – Worldwide, excluding US. North America = Area 3 – worldwide. Our family-friendly pricing structure means that only one in four children on a policy is charged a premium. On this quotation, the second child is free of charge and the premium would be the same whether there were one, two , three or four children on the policy. InterGlobal’s standard excess is £25 per medical condition per plan year. The premiums quoted have the excess deleted and so have a loading of 10% on top of the published premiums. Insurance Premium Tax may apply in addition to these premiums, depending on the country of residence. InterGlobal premiums are reviewed annually as of 1st January. exercise or exertion, flu-like symptoms, memory loss, confusion or difficulty concentrating, sleep disturbances and waking up feeling tired or unrested or having trouble getting to sleep. The cause of CFS is unknown, but it is thought that people develop the condition after a viral infection such as glandular fever. Tiredness is normal after a viral infection, but this does not explain why symptoms persist and get worse in certain individuals. There are several theories to explain the cause of CFS, including links to depression, disorders of the immune system or even hormonal imbalance. There is no cure for CFS, so treatment will aim to simply manage symptoms. Treatment has to be largely tailored to the individual and changed according to how they respond. Early diagnosis, balancing rest with activity, medication to control certain symptoms, and self-help measures can all help to varying degrees. Common treatments include: Chronic Fatigue Syndrome (CFS) or Myalgic Encephalomyelitis (ME) is largely regarded as a mysterious condition, and still goes unrecognised and undiagnosed. Certain parts of the medical community question its existence 14 EXPAT INVESTOR ? as a condition at all, but the body of evidence behind it is increasing. CFS is a condition that causes extreme physical and mental tiredness that does not go away with sleep or rest and can seriously interfere with a person’s daily life. It July/August 2009 can affect anyone at any age but it is twice as common in women and typically starts in people aged between the early 20s and mid-40s. Common symptoms include muscle and joint pain, fatigue which lasts more than 24 hours after expatinvestor.com ? Graded exercise therapy - this means starting with an activity that can be done comfortably, such as walking, and increasing levels of activity every few days. Getting too much exercise or increasing the level of exercise too quickly may make symptoms worse. ? Cognitive behavioural therapy (CBT) – this is a psychological treatment that can help change how you think and how you Middle East North America £1,204.75 £4,298.34 £2,569.07 £9,151.31 £3,649.56 £7,783.08 InterGlobal’s tips for reducing premiums When choosing IPMI, consider the benefits that you want carefully based on your country of residence or areas that you will be travelling to and the needs of you and your family. For example, if you are not planing on having a baby, do you really need to pay for a plan that includes maternity cover? It may be better to choose a plan where maternity cover is available as an optional add-on, as it is with InterGlobal’s UltraCare plans. Similarly, if you will not be going to the US, where medical treatment costs are high, it is probably not worthwhile purchasing a plan that includes the US in its area of cover as the premium is likely to be much higher than for a plan that does not include the US. Select a voluntary excess, benefit from a no-claims discount, look for family friendly rates and pay annually to benefit from discounts. behave. It’s based upon the theory that most unhealthy ways of thinking and behaving have been learned over a long period of time, and essentially aims at ‘re-training’ the brain. ? Pacing - this is a way of managing lifestyle, so a comfortable level of physical and mental activity can be reached, followed by gradual increases, ensuring enough rest after each episode of physical activity. ? Medicines – pain relievers such as ibuprofen or paracetamol may help relieve muscle and joint pain, headaches and other physical symptoms. Doctors may prescribe antidepressants if one of your symptoms is depression. CFS is not a short-term illness. It can last for months, if not years. It’s worth bearing in mind that although symptoms are likely to improve, they may last for some time. By making some simple lifestyle changes, such as striking the balance between levels of exercise and rest, and ensuring enough good quality sleep, the condition can be managed much more effectively. Symptoms of CFS can change over time, so medical review of the treatment plan by a specialist on a periodical (up to quarterly) basis may be required. Living with CFS can have a major impact on all parts of the sufferers life; people who have been affected for many years tend to be less likely to recover. However, with the appropriate advice and treatment, the condition can be successfully managed.
May June 2009
September October 2009