International healthcare coverage Indigo Expat™ WeCare & OnePack
First of all, we remind you that conditions of your international healthcare coverage Indigo Expat WeCare, or OnePack, are reviewed every year. Thus, new conditions apply on April 1st 2020.
Also, please note that:
- in force contracts: new conditions will apply at renewal date,
- new contracts: new conditions automatically apply at the start date of your international healthcare coverage.
Main parameters to consider for international healthcare coverage’s premiums
In general, one considers especially the following parameters:
- experience of the past year,
- technical results,
- medical inflation.
Experience of past year
Briefly, the experience is good. Basically, we had no particular question or feedback on notice of information and guides. Therefore, we consider that there is no need, at that stage, to review documents and to clarify any point. As a result, we continue to use existing documentation for the period from april 1st 2020 to march 31st 2021.
Technical resultats of your international healthcare coverage
Maybe it is too early to have a good overview because the experience is a bit too short. Nevertheless, technical results are good for the moment. Consequently, there is no specific need to increase premiums to balance the risk.
Medical inflation
Across the following reports, one can notice that global medical inflation is between 7,6% and 7,8%. In fact, that means that the Insurer need the same amount of premium than past year + approx. 7,6% increase to pay the same claims. You will certainly underline that medical inflation is not the same in all countries. That is impossible to manage an increase country by country, and this will not be in line with mutualization. For this reason, we manage medical inflation according to our zones of cover.
⇒ On top of this, you can check all available reports on this web site on the following page:
2020 premiums for your international healthcare coverage
So, conditions will change on april 1st 2020 as following:
Indigo Expat OnePack
First, the following index apply on rates. Second, index are always lower than medical inflation.
Zones:
- Z1 = + 3,0%
- Z2 = + 3,0%
- Z3 = + 7,0% (inflation is 9,1% in Singapore, 8% in Russia, 15,3% in Brazil)
- Z4 = + 7,0% (inflation is 10,7% in China)
Actually, there is no change on premiums for assistance, personal liability and individual accident.
Indigo Expat WeCare
First, the following index apply on rates. Second, index are always lower than medical inflation.
Zones:
- Z1 = + 3,0%
- Z2 = + 3,0%
- Z3 = + 7,0% (inflation is 9,1% in Singapore, 8% in Russia, 15,3% in Brazil)
- Z4 = + 7,0% (inflation is 10,7% in China)
Actually, there is no change on premiums for assistance, personal liability and individual accident.
Tehcnical results and cost containment on your international healthcare coverage
First of all, medical cares is a business in many countries around the world. Therefore, the costs significantly vary from one practioner to another. And also can be negotiated. That is why:
- procedures (prior approval) are mandatory on expensive medical cares, such as hospitalisation and dental prostheses,
- we invite you to use any local insurance you may have, before claiming. All savings will have a positive impact on technical results, and reduce the increase on premiums next year,
- we recommand you to use MSH International medical network, and especially when preferred rates are available,
- we thank you to buy glasses when this is medically required. In fact, if members use this benefit every year, we will have to modify it. Probably, the limit will be reviewed and will apply for a 2 years period in the future (project).
New services to enhance your international healthcare coverage’s experience
Medical teleconsultations
Through MSH International, Indigo Expat provides you with a remote medical consultation platform. To sum up, you have access to medical advice or an opinion at any time 24/7, in 7 languages.
Medical check up for expatriates
First of all, prevention is better than any hospitalization or treatment. Also, this costs less. From many social securities’ point of view, check ups start between 40 and 50 years old. Generally, many pathologies such as cancer or diabesis appears at this period of the life. Early treatment gives more chance to recover. That is why we do work on this matter to support you.
The Centre Médical International (CMI, 38, quai de Jemmapes, 75010 – Paris. Phone: +33 (0)1 43 17 22 00) proposes complete check ups in French and English, for expatriates. It takes approximatively half a day to complete. If you read French, more information is availble on the following web page:
In conclusion, this proposal (CMI) corresponds to a first step. For the future, we would like to give you the opportunity to find some other centers around the world. As a result, we will probably review the table of benefits to adjust this benefit.
Pay attention to the local regulation for your international healthcare coverage
Please note that subscribing to an international healthcare coverage does not free you from local regulations. Our plans are not substitute for local mandatory insurances.