2019 conditions – Indigo Expat™ solutions
2019 conditions: every year and according to our contracts wording, Indigo Expat conditions are reviewed. Thus, new conditions apply as of January 1st 2019. We remind you that premiums change on members policy at the renewal date, and continue to follow age brackets.
2019 conditions 2019 take into account
- the experience of the past months. Benefits, general conditions … are then reviewed accordingly.
- the technical results of the Indigo Expat contract as well as the medical inflation.
The cost of medical expenses continue to increase. Medical inflation. The global medical trend for 2018 is between +7,2% and +8,9%. Check the following reports.
2019 conditions: increase on premiums
2019 conditions take into account the following trends on our products:
Zones
- Worldwide excluding USA / Other countries (excl. UK) = +2,5%
- Worldwide excluding USA / Singapour = +7,0%
- Worldwide excluding USA / Chine & Hong-Kong = +7,0%
- Worldwide = +10,0%
Currencies
- Evolution of the exchange rate considered between Euro / USD = -4,40%
- Evolution of the exchange rate considered between Euro / CHF = 0%
Doc change
Applicable premiums
2019 conditions for Indigo Expat UK
Zone
Worldwide excluding USA / UK = +1,5%
Currencies (premiums and limits are expressed in the same currency)
Evolution of the exchange rate considered between Euro / GBP = +1,20%
Doc change
Tarificateur
2019 conditions for Indigo Expat RC&IA
Premiums
No change
2019 conditions: technical results and cost containment
To avoid higher increase on premiums, we strongly recommand to our members
- to be careful on practionners’ fees and hospitals,
- not to change their glasses every year (which is something we noticed once again; Allianz do not manage a limit on a 2 years period and we work on finding a solution),
- to use the social security or any other insurance before requiring any reimbursment from Indigo Expat.
Reminders
When a member moves from one country to another, this can impact conditions of his/her policy. The change will be considered at renewal. For example, a member who moves to the UK will be transferred to the Indigo Expat UK product if he/she is eligible. Otherwise, his/her policy will be cancelled.
If a member based in Germany moves to Singapour, the product and zone of coverage remain the same. Nevertheless, zone of premiums “Worldwide excluding USA / Singapore” apply at renewal date.
Please keep in mind that tax can apply in certain countries. Thses taxes will come on top of premiums. This is managed automatically by Allianz through their system. Therefore, pay attention to any change members could save in the system => example: a belgian member resides in South Africa but prefers to recieve mails in Belgium, at his/her parents’ address. Allianz will consider the address in Belgium and will apply a 9,25% tax on premiums (2018).
2019 conditions & regulation
Healthcare insurance – insurance + claims administration =Allianz Care
Indigo Expat products are not available to expatriates residing in the following countries: USA, Ireland, Switzerland, Abu Dhabi, Dubaï, Russia, Brazil. Australie is available only for temporary visas.
Oman just implemented a local and compulsory health insurance. This change will certainly have an impact on expatriates rights and on Indigo Expat policies.
Bahrain imposes new fees in 2019.
Insurance Distribution Directive (IDD)
New regulation applies as of October 1st 2018.
More info: eur-lex.europa.eu
Brexit
At that stage, we have no information regarding the impact of potential changes on Indigo Expat UK policies. We will obviously keep you posted ont that matter and will forward you any communication send by Allianz Care.
2019 conditions & documentation
All the supporting documentation of Indigo Expat products can be donwloaded on our web site: Tables of Benefits, General Conditions, Premiums, IPID form …
For partners having an active agreement, please send us a request by email to recieve your customized Application Forms. Please indicate which product(s) and language(s) you would like to recieve.
For all partners receieving commissions, we remind you that your brokerage company does have to send us the 2019 certificate from ORIAS or any similar entity in your country, to confirm that your brokerage company is still eligible to recieve 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.