2020 conditions – Indigo Expat™ solutions
2020 conditions: every year and according to our contracts wording, Indigo Expat conditions are reviewed. Thus, new conditions apply as of January 1st 2020. We remind you that
- premiums change on members policy at the renewal date, and continue to follow age brackets,
- partnership between Indigo Expat and Allianz worldwide Care ceases on January 1st 2020. It will be not possible to subscribe anymore to products insured by Allianz.
2020 conditions 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 2019 is approx. +7,6%. The following reports provide you with further information on this matter.
⇒ AON Hewitt.
2020 conditions: increase on premiums
2020 conditions take into account the following trends on our products:
Zones
- Worldwide excluding USA / Other countries (excl. UK) = +4,0% – additional increase for maternity of 5%
- Worldwide excluding USA / Singapour = +10,0% – additional increase for maternity of 10%
- Worldwide excluding USA / Chine & Hong-Kong = +10,0% – additional increase for maternity of 5%
- Worldwide = +6,0% – additional increase for maternity of 5%
Additional increases
- Age factor: +3,0% for 0 to 10, more than 56 yo
- Assistance: +4,0%
NB: we asked Allianz to confirm that the above increases are in line with the French regulation. Allianz did not confirm anything and implemented reviewed conditions based on their own decision.
Doc change
2020 conditions for Indigo Expat UK
Zone
Worldwide excluding USA / UK = +6,0%
Additional increases
- Age factor: +3,0% for 0 to 10, more than 56 yo
- Assistance: +4,0%
NB: we asked Allianz to confirm that the above increases are in line with the French regulation. Allianz did not confirm anything and implemented reviewed conditions based on their own decision.
Doc change
2020 conditions for Indigo Expat RC&IA
Premiums
No change
2020 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,
- to use the social security or any other insurance before requiring any reimbursment from Indigo Expat.
2020 conditions & regulation
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.
2020 conditions & documentation
All the supporting documentation of Indigo Expat products can be donwloaded on our web site: Tables of Benefits, General Conditions, IPID form …
For all partners receieving commissions, we remind you that your brokerage company does have to send us the 2020 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.