2021 conditions – Indigo Expat™ solutions
2021 conditions: every year and according to our contracts wording, Indigo Expat conditions are reviewed. Thus, new conditions apply as of January 1st 2021. 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 ended last year, and the current portfolio of individual contracts is managed on a Run Off basis.
Medical inflation impact your premiums
2021 conditions take into account:
- the experience of the past months,
- the technical results of the Indigo Expat contract as well as the medical inflation.
Finally, the cost of medical expenses continues to increase. Medical inflation: the global medical trend for 2020 is approx. +6,80%. The following reports provide you with further information on this matter:
⇒ Willis Towers Watson, et
⇒ AON Hewitt.
2021 conditions – Indigo Expat Classic
2021 conditions for Indigo Expat Classic are as following:
Zones
1. Zone ” Worldwide excluding USA “
- Other countries (excl. UK) = +6,0% – additional increase for maternity of 5%
- Singapore = +10,0% – – additional increase for maternity of 10%
- China & Hong-Kong = +9,0% – additional increase for maternity of 5%
2. Zone ” Worldwide “
- Increase of +6,0%
- Additional increase for maternity of 5%
Other increases
- An additional increase of +2,0% is applicable for the following age brackets: more than 50 years old,
- An additional increase of 4,0% is applicable for assistance repatriation.
Doc change
All supporting documentation (table of benefits, general conditions, IPID form …) remain downloadable on:
2021 conditions – Indigo Expat CFE
2021 conditions for Indigo Expat CFE are as following:
Zones
1. Zone ” Worldwide excluding USA “
- Other countries (excl. UK) = +6,0% – additional increase for maternity of 5%
- Singapore = +10,0% – – additional increase for maternity of 10%
- China & Hong-Kong = +9,0% – additional increase for maternity of 5%
2. Zone ” Worldwide “
- Increase of +6,0%
- Additional increase for maternity of 5%
Other increases
- An additional increase of +2,0% is applicable for the following age brackets: more than 50 years old,
- An additional increase of 4,0% is applicable for assistance repatriation.
Doc change
All supporting documentation (table of benefits, general conditions, IPID form …) remain downloadable on:
2021 conditions – Indigo Expat UK
2021 conditions for Indigo Expat UK are as following:
- Zone “Worldwide excluding USA / UK” = +6,0%
- Other increases on premiums
- An additional increase of +2,0% is applicable for the following age brackets: more than 50 years old,
- An additional increase of 4,0% is applicable for assistance repatriation.
Doc change
All supporting documentation (table of benefits, general conditions, IPID form …) remain downloadable on:
2021 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.
Loi Evin and Indigo Expat premiums
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. Allianz Worldwide Care send a feedback, but no official note from the Legal Department.
The explanation is in French: “notre compréhension est que l’art. 6 al. 3 n’exclut pas la possibilité d’augmenté une tranche d’âge tant que l’on ne discrimine pas un assuré en particulier, dans cette perspective nous augmentons uniformément l’ensemble des grilles tarifaires pour les assures de plus de 50 ans sans aucune discrimination. Cette question a été répondue par l’Assemblée National (3/10/2017) « Néanmoins, de manière globale, afin de garantir l’équilibre économique des contrats, il ne peut être interdit aux organismes assureurs de procéder à des pratiques tarifaires différenciées en fonction de la population d’assurés concernée, dès lors que les mêmes tarifs sont appliqués pour une même garantie à l’ensemble des assurés précités (3ème alinéa de l’article 6 de la « loi Evin »). »
Therefore Allianz maintain its “ interprétation de l’Art. 6 al.3 de la loi Evin, nous considérons qu’il est possible de proposer une indexation sur la tranche d’âge de plus de 50 ans.”
Moncey Assurances required an official note from the Lgel Dept of Allianz, to submit it to other people. But Allianz Worldwide Care does not wish to provide us with such a note, and consider that it response by email is sufficient.
Indigo Expat – 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.
Conditions 2021 – Indigo Expat RC&IA
2020 conditions for Indigo Expat RC&IA remain the same in 2021.
Partnerships
For all brokers receiving commissions from us, we remind you that your brokerage company does have to send us the 2021 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.