International expatriate health insurance Indigo Expat™ WeCare & OnePack – 2022
First of all, find here after 2022 renewal conditions or your international expatriate health insurance. In fact, Indigo Expat WeCare and OnePack’s conditions change on April 1st, 2022. Thus, conditions are the following:
- existing clients: 2022 renewal conditions apply at renewal date of the policy,
- new clients: 2022 renewal conditions apply at the implementation of the policy (from April 1st, 2022).
All changes are summarized in this document.
Which parameters impact international expatriate health insurance’s premiums?
In general, one considers that the following parameters do impact international expatriate health insurance:
- experience of the past year,
- technical results,
- medical inflation.
International expatriate health insurance – Experience of past year
Briefly, we just have to mention that the limit to submit claims through the Member’s Area has to be corrected. It should be 500 Euro. Currently, the member’s guide mentions 300 Euro.
Also, notice of information (medical) is reviewed to include an exclusion on high-risks sports or sports practiced as a professional. This exclusion is currently a lack since the launch of these plans, because such an exclusion is common on international expatriate health insurance. Professionals should contact their Federation to be covered. Finally, high-risk sports should be covered by specific insurance adapted to the practice.
Technical resultats ot the international expatriate health insurance
To sum up, technical results are good. This means for 1st Euro plans, as well as Top Up plans to CFE. Nevertheless, medical consumption is higher with Top Up plans to CFE. That’s why an higher increase applies.
The responsible and reasonable behavior of Indigo Expat policyholders makes it possible to maintain benefits as they are. Thank you all for playing the game! And to ensure that we can offer you the best possible conditions.
International expatriate health insurance – Medical inflation
Based on TW report, one can notice that global medical inflation is 8,16%. In fact, that means that the Insurer needs the same amount of premium than past year + 8,16 increase to pay the same claims in 2022.
You can check all reports on this page:
What is the increase of your international expatriate health insurance’s premium?
Even if technical results are good, we should face high claims (hospitalisations) in the coming two or three years. On the other side, medical inflation is still high and premiums remain the same in 2021 (i.e. no increase). Therefore, we decided to adjust premiums as following from April 1, 2022 :
International expatriate health insurance – Indigo Expat OnePack
The index to review the international expatriate health insurance’s premiums of Indigo Expat OnePack is:
- Zones 1 & 2 : +3% (inflation = 2,3% in France, 3,0% in Belgium, 8,0% in Thailand, 6,0% in Australia, 7,03% in Canada, 7,0% in Germany …)
- Zones 3 & 4 : +5% (inflation = 8,17% in Singapore, 11,0% in Russia, 11,51% in Brazil, 9,32% in China, 6,68% in Hong Kong, 4,0% in Taiwan)
Please note that the premium ot your international expatriate health insurance takes also into account the age of each member.
Finally, premiums for Assistance, Personal Liability and Individual Accident remain the same.
International expatriate health insurance- Indigo Expat WeCare
The index to review the international expatriate health insurance’s premiums of Indigo Expat WeCare is:
- Zones 1 & 2 : +2% (inflation = 8,33% in Ireland, 4,75% in Spain, 11,71% in Mexico, 12,0% in Indonesia, 20,0% in New Zealand, 10,15% in Vietnam …)
- Zones 3 & 4 : +4% (inflation de 8,17% à Singapour, 11,0% en Russie, 11,51% au Brésil, 9,32% en Chine, 6,68% à Hong Kong, 4,0% à Taiwan)
Please note that the premium ot your international expatriate health insurance takes also into account the age of each member.
Finally, premiums for Assistance, Personal Liability and Individual Accident remain the same.
ACME fees
ACME fees do not change in 2022, and remain 24 Euro per year.
International expatriate health insurance & technical results
First of all, medical care is a business in many countries around the world. Therefore, the cost significantly vary from one practioner to another. And also can be negotiated. That’s why specific tools have been implemented, such as:
- Prior approval allow the medical team to check pathology, treatment and estimated costs. The goal is to verify that there is nothing wrong, and that costs are reasonnable. For example, the discount can reach up to 70% in case of hospitalization in the USA.
- MSH International medical network gives you access to a list of practionners worldwide. These practionners use normal tariffs for the country. Sometimes, they offer special rates and discounts,
- Medical concierge: this service offers the opportunity to find medical alternatives. The Insurer’s medical unit exchanges with the member to find and propose alternatives. Example: instead of getting treated for a cancer in Thailand (apporx. 250 000 USD), the Insurer offers the opportunity to fly to France and to get treated in a specialized center there (approx. 30 to 50 000 Euro).
International expatriate health insurance – Cost containment
There is no need or medical reason to buy new glasses and frames every year, just because the contract offers this opportunity. In fact, doing this has a huge impact on technical results of the contract. And finally on premiums! That’s why why pay attention to this benefit and the use of members. Medically speaking (except in case of new prescription), the limit could be extended on a 2 years period.
Local insurance: if you are locally insured, do not hesitate to use the local insurance first. Anything that is not reimbursed by Indigo Expat improves the technical results of the contract. In this case, send the reimbursment statement instead of the original invoice to MSH International. This practice is virtuous, and has a positive impact on premiums the following year.
International expatriate health insurance & Services
International expatriate health insurance – Medical teleconsultations
Members can access a remote medical consultation platform. You can find this info at any time in your Member Area ⇒ “Your Health” / Teleconsultation / Medical. To sum up, members have access to medical advice or an opinion at any time 24/7, in 7 languages.
International expatriate health insurance – Medical check up
First, prevention is always preferable to disease. On one hand, for the insured and from a human point of view. On the other hand, for the contract and from a financial point of view (premiums). In the long run, and despite the cost of a health check, it will still be less expensive than hospitalization and treatment. And much better for the member!
If one considers the French social security, it is really necessary to start with health check between 40 and 50 years. Because it is from these ages that health concerns can begin (dental prostheses, vision care). But more consistently, it is also a period when cancers or other serious pathologies can be discovered. The earlier the diagnosis can be done, the most chance of recovery has the member, for certain pathologies. That’s why the “Health and wellbeing checks” benefit has been revised to better cover this expense!
We recommand the Centre Médical International (CMI, 38, quai de Jemmapes, 75010 – Paris. Phone: +33 (0)1 43 17 22 00) for your complete Health Check (available in French and English). It takes approximatively half a day to complete.
International expatriate health insurance & local regulation
Please note that subscribing to an international expatriate health insurance does not free you from local regulations. Our plans are not substitute for local mandatory insurances.