2022 conditions – Indigo Expat™ solutions
2022 conditions: every year and according to our contracts wording, Indigo Expat conditions are reviewed. Thus, new conditions apply as of January 1st 2022. We remind you that:
- first, premiums change on members policy at the renewal date, and
- secondly, continue to follow the age of members.
Partnership between Indigo Expat and Allianz worldwide Care ended on December 31st, 2019. therefore, the current portfolio of individual contracts is managed on a Run Off basis.
Medical inflation impact your conditions in 2022
2022 conditions take into account:
- the technical results of the past months,
- the medical inflation.
Thus, the cost of medical expenses continues to increase. In fact, Medical inflation: the global medical trend for 2020 is approx. +8,10%. The following reports provide you with further information on this matter:
⇒ AON Hewitt.
2022 conditions – Indigo Expat Classic & CFE
2022 conditions for Indigo Expat Classic and CFE change as following:
| Zone / Age | 0-50 y.o. | 51-55 y.o. | 56 y.o. and + |
| Worldwide | 5,0% | 6,0% | 9,0% |
| Worldwide excl. USA – other countries | 5,0% | 6,0% | 9,0% |
| WWEx – Singapore | 8,5% | 9,5% | 12,5% |
| WWEx – China / HK | 7,0% | 8,0% | 11,0% |
| WW Ex – UK | 5,0% | 6,0% | 9,0% |
Nota bene : the standard increase is +5% for 0-49. The following increase is added to this base:
- + 1% for 50-55 y.o.,
- +4% for 56 y.o. and +,
- +2% for Hong Kong / China,
- + 3.5% for Singapore.
Loi Evin and Indigo Expat conditions for 2022
Moncey Assurances required again this year, further information regarding increases to Allianz Worldwide Care. In fact, it does not seem that french regulation (loi Evin) is respected through Allianz’s decisions. According to Indigo Expat, the increase shouldn’t be different between age brackets. Therefore, additional increase of +4% for 56 y.o. and + would not be in line with the regulation in France. Allianz Worldwide Care maintains its position on the matter.
For members who want to officially complaint about this, they have the opportunity to contact the Médiateur de l’Assurance and/or ACPR.
Conditions 2022 – Indigo Expat RC&IA
Once again, conditions for Indigo Expat RC&IA remain the same in 2022.
Indigo Expat & Partnerships
For all brokers receiving commissions for Indigo Expat products, I remind you that your brokerage company does have to send us the 2022 certificate from ORIAS (or any similar entity in your country), to confirm that your brokerage company is still eligible to receive such commissions.
Regulation
Please note that subscribing to an international health insurance does not free you from the local regulations. If you are eligible to contribute to the local healthcare system in certain countries and do not have local cover in place, you may be subject to paying a tax levy.