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Expat Investor : October 2008
HEALTHCARE Developments from William Russell covered by standard health plans such as optical cover, and full cover for the routine maintenance of chronic conditions such as diabetes. The second development is the Two new developments from Willilam Russell are specifically aimed at the British expatriate community. The first is the launch of its Global Heath Bespoke product Prevention not cure... which allows companies with 50- plus expat members to design their own international health insurance plans. This new offer cones with a range of benefits not normally MediCare on modern day health conditions ...with InterGlobal’s wellness benefits. Get routine health checks on our UltraCare Comprehensive and Plus plans without affecting your no claims discount. full of stories about the increases in asthma and diabetes rates. The causes of asthma and type II diabetes are often linked to modern life, whether it is the quality of the air, cleaning products, or in the case of diabetes, people who are overweight and lead sedentary lifestyles. Whatever the reason, both these medical conditions are on the increase. According to the World Health Innovations in International Private Medical Insurance T +44 (0)1252 745900 W www.interglobalpmi.com International Private Healthcare Insurer of the Year | Private Healthcare News Awards 2007 Best International PMI Provider | Cover Excellence Awards 2007 InterGlobal is a trading name of InterGlobal Limited which is authorised and regulated by the Financial Services Authority in the United Kingdom IGAD04/0308 Fast Facts 88009 A recent poll conducted by international healthcare specialists MediCare International has shown that 95% respondents believe healthcare policies should cover the ongoing costs of treating asthma and diabetes, despite the fact that chronic costs are often excluded from many healthcare policies. Every day the media seems to be Organisation (WHO), their estimates show that more than 180 million people worldwide have diabetes, and predict that this number is to more than double by 2030. Diabetes can, according to Diabetes UK, also be age and gene related. For some retiring abroad to Europe or beyond, this is a factor to bear in mind, as healthcare insurance may well become relevant. The statistics for asthma sufferers are even worse. According to WHO estimates, 300 million launch of its enhanced international health insurance plan for companies with more than 20 expatriate employees which allows pre-existing medical conditions to be covered in full. The new GlobalHealth plans also enable members to benefit from maternity care, dental and well-being benefits without first completing a qualifying membership period. people suffer from asthma and 255,000 people died of asthma in 2005, and is the most common chronic disease among children. Asthma is not just a public health problem for high income countries: it occurs in all countries regardless of level of development. Insulin and inhalers are crucial aids in terms of patient care for these two classes of illness.Without them, the sufferer could, in the worst case scenario die, but the ongoing cost of funding these medicines can be considerable. The cost of chronic care medicines is frequently one of those ‘small print’ items which an insurer will not cover once a patient has been stabilised in hospital and then discharged. But it is precisely at this point when the need for ongoing medicine costs has been identified that an insurance policy is needed to cover this unforeseen expense.With this in mind, MediCare International conducted an online poll to ask whether the public thought that healthcare policies should cover these two conditions. An overwhelming 95% voted ‘yes’, which supports the theory that healthcare policies are in existence to assist people in need, rather than make life more difficult for them. Commenting on the results, Senior Executive David Pryor, says, “These results confirm our healthcare philosophy at MediCare International.We aim to ensure all our policyholders in our most popular International Plus and Executive International plans are covered for the ongoing care costs of asthma, diabetes or other chronic care costs. Our aim is to give clients the highest standards available, without any of the loopholes you find in other policies so, if an excess applies, this can be bought out, for example.” FAST FACTS AXA PPP Healthcare 88190 BUPA International 88191 MediCare International 88192 InterGlobal Healthcare 88193 William Russell 88194 For more information just enter the above numbers on the Reader Reply Service coupon on page 20 or visit www.expatinvestor.com Fast Facts 22014 16 EXPAT INVESTOR ? October 2008 expatinvestor.com 88010