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Expat Investor : December 2007
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. Authorised and regulated by the Financial Services Authority. © AXA PPP healthcare 2007 Lines are open from 8am to 8pm Monday to Friday and 9am to 1pm Saturday (UK time). Calls may be recorded. All claims will be assessed against the terms and conditions of the chosen product and any individual exclusions placed on your policy at joining. For great British healthcare -- worldwide -- join us now and we'll give you up to two months' cover free Call +44(0)1892 550814 quoting reference EI5555 or visit www.axappphealthcare.co.uk/expat_investor When you're living, working, travelling or retired away from home you deserve quality healthcare insurance from a well grounded company that really knows their way around the world of healthcare cover! AXA PPP healthcare has an International Health Plan to suit most needs. Join us and you can rely on quick, easy access to private medical treatment; a choice of hospitals; emergency evacuation or repatriation; plus an English-speaking health information line that's on call for you around-the-clock. Wherever you have a family get together AXA PPP healthcare is right there with you KATE LOVELL International Marketing Controller, AXA PPP Healthcare 2007 has been a year of significant Many PMI providers have previously shied away from countries such as France, as the high standards of their state healthcare system (that all expatriates previously qualified for) presented little opportunities. This new legislation, therefore, provides an excellent opportunity to gain new business within France. Attempts to ease growing stress HEALTHCARE expatinvestor.com 16 EXPAT INVESTOR December 2007 Fast Facts 10010 and pressure on the local state health systems in the Middle East, the governments in Saudi Arabia, United Arab Emirates (UAE) and Bahrain are developing legislation that subsequently requires all expatriates to purchase PMI. This has therefore provided a superb opportunity for us and our Middle Eastern partners to gain both individual and group business, especially with companies increasingly offering PMI as part of their employees' remuneration packages. In conjunction with our partners we have created tailored products that are particularly suited to these markets, enhancing our product range to meet the needs of the ever- evolving expatriate customer. So, in light of this, 2007 has also been a year dedicated to rule changes, product enhancements and portfolio developments. One such example is the need to review our position on how we cover for dangerous sports activities under our International Health Plan product. As the discerning expatriate customer begins to take part in more physical exercise and sporting activities, it is important for us as a provider to be clear and concise on what sporting activities are covered under AXA PPP Healthcare's International Health Plan. We have, therefore, taken customer feedback into account, and, as from October 2007, we have added more clarity around dangerous sports cover, resulting in more sporting activities being covered within our product range. New laws and legislative changes in many world markets have provided us with exciting prospects and significant growth. Ever-evolving customer demands and needs, combined with lots of industry developments, have also meant that we have been able to grow as a business. Hence, 2008 will provide us with plenty of new opportunities to maintain and expand on this growth, whilst continuing to put the customer at the heart of our business. ANTHONY CABRELLI Global Sales Director, BUPA International All things evolve over time. But contrary to Darwin's infamous theory, which necessitates gradual change, expatriate healthcare providers are racing ahead in line with a rapidly changing marketplace. growth for AXA PPP healthcare International, however, considerable developments within the international Private Medical Insurance (PMI) market throughout the year have provided us with even more fantastic opportunities. One of these is the decision by the Fr ench government to review its state healthcare legislation. Although not a new avenue for International PMI providers, President Sarkozy has introduced a new law stating that all non-working/retired expatriates under the age of 65 will no longer be eligible for the Couverture Maladie Universelle (CMU). This, therefore, introduces a requirement for expatriates living in France to purchase Private Medical Insurance.
January February 2008