Aetna International is pleased to sponsor the Best Group International Private Medical Insurance Intermediary category at this year’s Health Insurance Awards, in recognition of high levels of professional standards consistently achieved within this group.
Group clients, whether large or small, often have complex requirements that need to be addressed by knowledgeable individuals with many years of experience in a complex and disparate global market. In each case, companies will have the welfare of their employees at heart and the onus is on the intermediary and insurer to safeguard that sufficient protection is in place to handle any eventuality.
Aetna International is the expatriate business of Aetna Inc., one of the largest healthcare providers in the world with US$34billion in revenues and a 34,000-strong global workforce. Supporting more than 500,000 members outside of the U.S., we service the full spectrum of group clients, from companies with a handful of employees to the largest global organisations with staff members in numerous international locations.
Intermediary partners can enjoy a product suite that covers virtually every client circumstance and cater to a variety of budget levels. Our portfolio ranges from comprehensive global plans with a variety of cover options to niche offerings meeting specific needs.
We focus on ensuring the best possible care for clients’ members. We have built a talented team of clinicians, our international health advisory team, who are dedicated to meeting the healthcare challenges faced by globally mobile employees. They are available 24/7 to help members with everything from prescription medicine services to managing chronic conditions to recommending the best specialists to suit particular circumstances. Our clinicians are proactive. For example, they routinely call patients after a hospital discharge to provide support and to make sure members understand their follow-up treatment instructions.
Our commitment to innovation means that we continually develop self-help tools. Members, for example, can now file claims online through their smartphones and access care via the touch of a button. Online enrolment tools have proved of significant benefit to clients. And for brokers, we are developing new capabilities that outline the nuances of doing business, whilst staying compliant, in different countries.
Aviva UK Health
At Aviva, we value the relationships that we have with our intermediaries. We’re committed to providing you with the tools & support you need to offer relevant and timely solutions to your clients.
We are continuously looking for ways to better meet the needs of our customers and our intermediary network. This is why, in the past year, we have launched a new website aimed at making it easier for you to understand and sell our products, (www.aviva.co.uk/healthcarezone), as well as making some significant product improvements to meet our customers’ changing needs.
We work across a broad range of industries, supporting everyone from families to multinationals. Our aim is to provide excellent service and flexible products, and our team of clinicians are continuously looking for ways in which we can encourage people to lead fit and healthy lives.
A person’s health and wellbeing is important to your clients, whether they be individuals, SMEs or corporates. Aviva offers a range of flexible products for individuals and businesses alike.
Healthcare services for individuals and businesses – Our products and services give customers prompt access to high quality diagnosis, dedicated support and private medical treatment. In addition, customers can get access to specialist advice and support on health and wellbeing
We have a range of products and services that aim to identify potential employee health risks early on, and enable employers to put in place a range of options that can help keep employees in good health.
International Private Medical Insurance (IPMI) for individuals and businesses – Our International Solutions product provides extensive core cover, with a choice of options to upgrade or reduce cover, allowing your clients to tailor their benefits to their needs and the country in which they are based.
If your clients are working or living in the United Arab Emirates (UAE), they could benefit from one of our four region-specific, Emirates International Solutions policies. We have partnered with Emirates Insurance Company to provide compliant cover in this region.
We’re delighted to be recognised by you and by industry professionals for the work we do in providing healthcare products. In 2012, we were the most heavily awarded PMI provider and this is an accolade we would love to keep.
For more information on any of our products or services, please visit our HealthcareZone www.aviva.co.uk/healthcarezone.
AXA PPP International
AXA PPP International is an award winning insurer specialising in healthcare for the globally mobile and expatriated. We’ve been providing international health plans for over 41 years and have members in 140 countries.
Health insurance is our expertise. As an even greater piece of reassurance, the pedigree of the AXA brand speaks volumes – we are the world’s number one insurance brand according to Interbrand’s ‘Best Global Brands 2012’.
Global coverage and local partners
We work with 13 partners around the world to give our members the choice of global, regional or local products. We also have agreements with third party associates worldwide to support the claims process and ease of access to providers.
Flexible cover to suit your clients
We offer 4 different levels of cover that come with a choice of add-ons such as out-patient treatment, dental care and routine pregnancy. Plus our travel cover add-on which takes into account the medical cover already on the plan, so members avoid paying twice for it.
A range of excesses and the option to exclude the USA means that finding the right cover for your clients is easy and affordable.
Access to over 10,000 hospitals around the globe
When admitted into hospital, the last thing people want to worry about is paying the bill. With an AXA PPP International health plan we can settle bills direct with over 10,000 hospitals worldwide. And even if our members’ hospital of choice isn’t one of those 10,000, we can arrange to pay that hospital direct when they call to confirm their treatment is covered. And then all they need to concern themselves with is getting back to full health.
More than just paying claims
We know that life as an expatriate can be full of surprises and there will be times when extra support is needed. As part of their membership, they also get access to the below services:
- 24/7 Health at Hand telephone helpline manned by healthcare professionals.
- Telephone interpretation so any time of day or night – plus, an additional document translation service is available at no extra charge.
- 24/7 security hotline with intelligence on more than 180 countries and 900 cities. Offering assistance on situations such as:
- Political or civil unrest
- Natural disasters
- Local disasters
- Crime and terrorism.
- Personal Medical Case Management. More than a second opinion service, these independent case managers will engage with experts from around the world to create and manage a personal care plan for our member and provide guidance to ensure they get the most appropriate treatment possible.
- Customer Online, the secure login website where members can:
- Access their policy documents
- Confirm their treatment is covered
- Make and track claims
- Find the most appropriate place of treatment using our MyGlobe tool
- Evacuation and repatriation is covered on all of our policies so if the emergency treatment needed isn’t available locally, we’ll make sure our member is taken to the nearest centre of medical excellence.
Healthcare is and will remain our only focus. We provide outstanding customer service and an impressive range of healthcare support services so that we are there whenever you need us. With no shareholders, we invest our profits back into the services we offer so that we can continue to help improve your health and wellbeing.
Cigna - leaders in bringing innovative healthcare products and services to individuals and employees both at home and around the world.
As part of Cigna Corporation - our mission is to help the people we serve improve their health, well-being and sense of security:
- Ranked top for service with 24 hour service and support available wherever you are.
- Ranked 130 on the Fortune 500 list.
- Access to a global network of over 1,000,000 hopsitals, physicians and specialists.
- Approximately 70 million customer relationships worldwide.
- Workforce of over 35,000 employees around the globe.
- Sales capability in 30 countries and jurisdictions through local licenses and partnerships.
UK HealthCare Benefits - for businesses
Domestic healthcare & wellbeing plans for small, medium and large corporate companies - helping improve employee health and productivity.
- Occupational Health
- Health & Wellbeing Solutions
Global Health Benefits - for businesses
International healthcare & wellbeing plans for globally mobile employees of small, medium and large corporate businesses and IGOs/NGOs - easy access to healthcare around the world.
Core Medical Plans
- Energy (for Oil & Gas Industry)
- CoverN’GO (for Non-Governmental Organisations)
- Tailor-made solutions
Additional Programmes and Non-Medical Services
- Dental & Vision
- Life, Accidental Death & Disability
- Health and Wellbeing Programmes
- International Employee Assistance Programme
- Continuation Option
Global Health Options - for individuals and families
International healthcare & wellbeing plans for individuals and families, providing easy access to healthcare around the world and ensuring you are covered wherever you go.
- Emergency Evacuation
- Health & Wellbeing
- Vision & Dental
No one does dental like Denplan
Denplan has been at the heart of dental care for over 25 years and the dental plans we arrange have helped us to become an award-winning and nationally recognised brand. In fact, Denplan was voted Health Insurance and Protection’s Best Dental Plan Provider in 2010, 2011 and 2012.
With flexible plans that offer reimbursement for routine and restorative dental treatment, dental can be a great deal more attractive to employees than some other benefits and more widely used. The Dental Wellbeing Range of dental plans place a strong focus on preventive care and are designed to encourage regular attendance at the dentist. And for those with different budgetary needs, Denplan Lucent is available. Denplan Lucent is competitively priced, and provides cover for a full range of dental treatments.
With our online service which allows employees to submit and track their claims, as well as request benefit statements, we are making it even easier for employees to benefit from their dental plan.
We strive to ensure our products are up to date and relevant, that’s why in 2013 we have updated benefit limits and launched the Denplan Discount Network. Our network of over 1,800 dentists throughout the UK, enables employees covered by Denplan to receive a discount on the cost of treatments. A unique network only available through Denplan.
Engage Mutual is a friendly society. This means that we are owned by our customers. So all the profits we make can be used for the benefit of our customers allowing us to make choices that will benefit them now and in the future.
As a result you can be confident that we always strive to make sure our products and services are designed with your needs and your employees’ needs in mind.
Engage Mutual’s corporate health cash plan, one fund, is unique. It gives employees access to one annual pot of money. Unlike other health cash plans that limit benefit levels, restricting choice, one fund is unique in giving your employee more flexibility in how they choose to use the fund - the only limits being on optical and health screening on the company paid scheme.
In the 2012 UK Health Market Report Laing & Buisson described Engage Mutual as “the most progressive recent entrant into the health cash plan market.”
Healix Health Services Ltd Profile
Healix Health Services Ltd specialise in the set up and administration of healthcare trusts for UK employers, providing an attractive, cost-efficient alternative to traditional corporate PMI schemes.
We are part of the Healix Group of Companies which has provided healthcare solutions to clients in the UK and around the world since 1992. Independently owned by its founders, Dr Paul Beven and Dr Peter Mason, we have the highest ratio of clinically trained staff to administered members in the managed health services industry, ensuring that members get fast and efficient treatment from the most appropriate health providers.
We supply high quality case management services for both early intervention and self-funded medical schemes and have long established relationships with leading hospitals and healthcare professionals throughout the UK.
With the highest ratio of medical to administrative staff in the industry, our nurse case managers efficiently manage treatment through private or NHS providers, ensuring that all treatment is medically appropriate and costs are intelligently contained.
Healix is also one of the world’s leading providers of international medical, security and travel assistance services. Every year, Healix is relied upon to manage the international healthcare needs of over 2 million travellers and expatriates on behalf of multi-national corporations, governments, NGOs and insurers.
Health Shield is a non-profit making friendly society with over 130 years’ experience of healthcare provision, specialising in health cash plans for companies and their employees throughout the UK.
Health Shield provides cash plans to hundreds of businesses both large and small. With a range of schemes to suit all business needs, including standard or tailored schemes on a voluntary, company sponsored or flexible basis.
Health Shield cash plans offer a great range of benefits all with 100% cashback, subject to annual review and up to chosen limits. Benefits include optical, dental, physiotherapy, health & wellbeing treatments and many more. This all helps companies achieve a happier, healthier workforce.
With our company paid tailored schemes, employers are able to see the difference in raised productivity and reduced absenteeism amongst their staff.
Health cash plans are a good complement to an existing PMI scheme and can even help reduce costs.
As an Investor in People, Health Shield is committed to continuous improvement and provision of exceptional levels of customer service.
Health Shield Friendly Society Ltd is authorised and regulated by the Financial Services Authority.
Shine in front of your clients…thanks to Medicash
As one of the UK’s leading healthcare cash plan providers, we understand the importance of delivering quality services to your clients. That’s why we offer effective plans at affordable prices, so that you can shine in front of your customers by providing the best possible schemes to suit their needs.
At Medicash we pioneer health cash plans and continually improve our existing ones to give you our best solutions and your clients the best benefits. By offering comprehensive and affordable healthcare cover we can help your clients increase workforce productivity and reward their employees in the most cost effective way possible.
Our Proactive plan has been designed in partnership with intermediaries to ensure it works perfectly in tandem with an existing group PMI scheme – covering dependent children up to their 24th birthday and offering direct payment of PMI excesses to the treatment provider.
If you’d like to find out more, call us for a chat on 0800 195 2992 or take a look around at www.medicash.org/intermediaries
We help our members to live life well
PruHealth and PruProtect have a reputation for innovation in the health and protection insurance market. Not only do we provide quality cover, but we help our members to improve their health and wellbeing with our unique Vitality programme.
At PruHealth we want our members to live life well and are here to help them do it.
When your clients choose PruHealth they can be sure that:
- We'll help them understand their health and suggest ways they can improve it with our Vitality programme.
- When we say 'Full Cover', we mean it, providing the treatment is covered on your client's plan.
- We'll make sure your clients get the best possible medical care.
- As they get healthier, we'll give them a cash reward.
- We're clear if there's something we can't cover them for.
For more information, talk to your PruHealth Account Manager, or visit www.pruhealth.co.uk
- We'll help them understand their health and suggest ways they can improve it with our Vitality programme.
PruProtect offers a full suite of personal and business protection products designed to reflect your clients’ needs:
- Our Serious Illness Cover covers more conditions than any other provider and the size of our payouts match the impact the illness has on your client’s life.
- Our Income Protection Cover pays an income until your client can return to the type of occupation they had before – unlike some insurers who will only pay until they are well enough to do any sort of work.
- We’ve introduced new products to the protection market such as Education Cover, the Spend Protector with our Family Income Cover, Health Cover and Life Cover for people with HIV.
- With our Vitality programme we give clients discounts on things that are good for them, and rewards when they make an effort to get healthier. They can even save money on their premiums when they take part.
For more information, talk to your PruProtect Account Manager, or visit www.pruprotect.co.uk
Simplyhealth started helping people access healthcare nearly 140 years ago. We offer a range of health plans including cash plans, dental plans and private health insurance for individuals, families and businesses. Simplyhealth is also one of the UK's leading administrators of self funded health plans. With a current market share of over 46% we are the UK's largest provider of health cash plans. We recently bought Denplan, the UK’s leading dental payment plan specialist.
We have over three million customers and help nearly four million people with their healthcare needs. 11,000 companies in the UK choose us as their healthcare provider, from small businesses through to public sector organisations and many FTSE 100 and FTSE 250 companies.
At Simplyhealth, we believe the way we do things makes us unique. We prefer to think that what we do and the values we stand for define us better than any label or legal term ever could. We follow mutual values, and without any shareholders, we can put everything into giving our clients and customers the personal and caring service they need.
Simplyhealth believes in putting its customers first and always doing the right thing. We provide all our services from within the UK and always try to avoid answer phones and automated calls.. In a world where so many people can't be bothered we are proud to be the ones who can.
Award winning Health Insurance Provider*
Westfield Health is a specialist healthcare insurance provider offering Health Cash Plans and Hospital Treatment Insurance for non-critical healthcare needs.
With over 90 years experience, and over a third of a million policyholders, we pride ourselves on giving our customers peace of mind when they are well and quick access to the best treatment when they are not through our range of market leading, sustainable plans, and world class customer service**.
Our Hospital Treatment Insurance is a new and innovative concept in health insurance, offering fast access to fixed price private treatment packages for surgical and medical procedures classed by the NHS as non-urgent. Used in conjunction with an existing or new health cash plan, it can provide an additional level of cover that’s a more affordable alternative to PMI.
We have almost 40% of the corporate paid health cash plan market*** and also offer flex, voluntary (payroll deduction and direct debit) and tailor made Health Cash Plans. Cover starts from as little as £1 per employee, per week. So, whatever your clients’ size, budget or requirements, we have a plan to suit.
Many thanks for the support we’ve received from Intermediaries and corporates over the years. We pledge to continue our support for you by bringing new, innovative products to help you to increase your revenue, along with the dedicated support of our intermediary team.
Contact us today - 0845 605 6530
*Winner of Cover Excellence Award Cash Plans 2011. Winner of Health Insurance Magazine’s Best Healthcare Cash Plan Provider 2004, 2005, 2006, 2007 and 2010 and British Quality Foundation Customer Satisfaction Award 2010.
** The Institute of Customer Service.
***Westfield estimate based upon figures from Laing & Buisson, Health and Care Cover UK Market Report 2011.