Health


New health insurance options for expats in the Gulf region

by Ray Clancy on January 19, 2015

Expats in the Middle East now have more choice in terms of health insurance at a time when governments are requiring more to have wide ranging cover.

The increasingly popular expat destinations of Bahrain and Jordan have been added to Aviva’s Gulf Solutions private medical insurance cover.

dubai

Recent research has shown expat population growth across the Gulf region

The firm said that this is providing the international market with a single compliant approach to medical insurance in the Gulf region using leading local insurers and providers.

In addition, Aviva has collaborated with Dutch insurer OZF Achmea to offer a solution to provide fully compliant health insurance cover in the Netherlands, as well as cover when travelling outside the Netherlands.

The geographical extensions form part of Aviva’s ongoing plans to expand cover for members in emerging and key expatriate markets.

Recent research from the Institute of Public Policy has shown expat population growth across the Gulf region, with around 12,000 UK expatriates in Bahrain and 8,000 in Jordan. The Gulf, which draws expats to its growing oil, gas and mineral industries, is also seeing considerable expansion in the financial services and medical sectors.

Launched at the start of 2014, Aviva’s Gulf Solutions already offers fully compliant health insurance for corporate clients with employees in the United Arab Emirates (UAE), Kuwait, Oman or Qatar, and for individual customers in Oman or the UAE.

Legal and regulatory requirements for health insurance vary across the Gulf and can be complex. Moreover, research from Aviva’s forthcoming Relocations Report reveals that employers who send their employees on foreign assignments consider local rules and regulations as the biggest challenge when relocating employees, with 58% stating this is their key challenge.

Aviva has partnered with key providers in both countries to ensure customers benefit from local knowledge and understanding of differing legal requirements. In Jordan, cover will be provided by Arab Orient Insurance Company and in Bahrain by the Bahrain Kuwait Insurance Company, both members of the Gulf Insurance Group.

Gulf Solutions also has newly enhanced benefits for expats in Dubai and the other United Arab Emirates, to reflect new regulations set out by the Dubai Health Authority. These include maternity cover as standard in order to comply with local mandatory requirements. This ensures full compliance with the Dubai Health Authority.

Often regarded as the gateway to Europe, the Netherlands has a significant number of expatriates, with an estimated 48,000 British expats living and working there.

Under Dutch law, expats are normally required to have compulsory Dutch national health insurance provided by a local insurer. Through Aviva’s new collaboration with OZF Achmea, members in the Netherlands can be covered by the local insurer at reduced rates, as well as benefiting from cover provided by Aviva’s International Solutions if they travel to other countries, with a significant reduction in standard rates.

“This expanded offer for our members in the Gulf region and the Netherlands continues our programme to develop our global footprint in key expatriate markets and to deliver quality healthcare cover that fully complies with local legislation,” said Teresa Rogers, head of international at Aviva UK Health.

“Partnerships with leading insurance providers in Bahrain, Jordan and the Netherlands, which will ensure our members benefit from local knowledge and understanding of each country’s legal requirements. We also believe that using NAS as our single claims management service across the Gulf region will provide valuable continuity for our customers if they are co-located across Arab states,” she explained.

“By expanding our capabilities in Bahrain and Jordan, multinational employers who place employees across the Gulf region will in particular benefit from a simple healthcare solution that not only has a consistent claims service and product structure, but has been adapted to ensure compliance with each local legislative practice,” she added.

The change in cover for Dubai came into effect for all new and renewing policies at the beginning of January 2015, in line with the Dubai Health Authority timelines. All other changes take effect from 01 March 2015 for new and renewing individual and corporate customers with either Gulf Solutions or International Solutions cover.

 

{ 0 comments }

Thumbnail image for Would-be expats urged to set up health insurance before moving

Would-be expats urged to set up health insurance before moving

December 15, 2014 Health

Would-be expats thinking of moving to their dream destination in 2015 are being urged to make sure they have the right health insurance for the country they are moving to. Not everyone automatically qualifies for free medical care, even in countries that are popular with expats such as France and Australia. A large number of [...]

Read the full article →
Thumbnail image for Insurance firm launches international health app

Insurance firm launches international health app

October 3, 2014 Health

Insurance firm Aviva has launched a smartphone app for its international medical insurance customers that will help them access their details wherever they are in the world. The International Solutions App can store medical records, provides details of how to file claims around the world and gives immediate access to emergency assistance and medical advice. [...]

Read the full article →
Thumbnail image for Expats in the US face changes under health care reforms

Expats in the US face changes under health care reforms

September 25, 2014 America

Healthcare reforms in the United States mean that expats could see changes, as a new survey shows that many are considering significant changes to the plans they offer employees. Two thirds of employers said they would be making changes to their health plans next year to rein in costs, according to the survey by human [...]

Read the full article →
Thumbnail image for Immigrating to a new country could be hazardous to your health

Immigrating to a new country could be hazardous to your health

September 5, 2014 Health

Immigrants moving to countries like Australia, Canada, the UK and the United States could find that their health deteriorates over just a couple of decades. Research by a demographer and social epidemiologist who has lived and worked in several countries has found that moving to Australia could be a health hazard for thousands of immigrants. [...]

Read the full article →
Thumbnail image for Turkey reverses compulsory health insurance rule for expat residency

Turkey reverses compulsory health insurance rule for expat residency

August 13, 2014 Health

Retired expats in Turkey will no longer have to take out compulsory health insurance in order to qualify for a residency permit, it has been confirmed. In a complete U-turn, the General Directorate for Migration Management (GDMM) has announced that plans for compulsory health insurance for foreigners aged over 65 have been abandoned. The move [...]

Read the full article →
Thumbnail image for Expats love their lifestyle but worry about major health issues, survey finds

Expats love their lifestyle but worry about major health issues, survey finds

August 1, 2014 General

Most expats are positive about their lifestyle abroad, but half are concerned about health care treatment if faced with a major condition, according to an international survey. Some 80% of those surveyed by private medical insurance broker Medibroker said they either really enjoyed or enjoyed their life abroad. Less than 2% said they were not [...]

Read the full article →
Thumbnail image for France tops lists of global destinations for retired expat healthcare

France tops lists of global destinations for retired expat healthcare

July 24, 2014 France

There is a steady increase in the number of people moving abroad for their retirement and research shows that France, Uruguay and Malaysia have the best healthcare systems for retired expats. The Annual Global Retirement Index 2014 from International Living, which allocates points according to the climate, cost of living and healthcare, puts France at [...]

Read the full article →
Thumbnail image for Euro citizens urged to get health card for visits to other EU countries

Euro citizens urged to get health card for visits to other EU countries

June 26, 2014 European Union

European citizens visiting other EU countries, plus Switzerland, Liechtenstein, Norway and Iceland are advised to make sure they have their health card even if it’s only for a short trip. Almost 200 million Europeans already have the European Health Insurance Card (EHIC), according to the latest figures available for 2013. This represents more than half [...]

Read the full article →
Thumbnail image for Expats urged to consider costs associated with pregnancy and birth while abroad

Expats urged to consider costs associated with pregnancy and birth while abroad

June 4, 2014 Expat Banking and Finance

British expats, especially those living outside of Europe, are being urged to consider the cost of starting or adding to their families as it is believed many do not think about the medical costs involved in pregnancy and birth. According to research by Mintel, around 55% of British expats working in professional positions abroad are [...]

Read the full article →
Thumbnail image for Scandinavian countries the happiest in the world

Scandinavian countries the happiest in the world

May 9, 2014 European Union

People want to know how where they live stacks up on the happiness scale compared to other countries in the world, according to a global think tank which has produced an index to measure happiness and wellbeing. The Better Life Index compares lives across 36 countries, based on 11 topics; housing, income, jobs, community, education, [...]

Read the full article →
Thumbnail image for Expat workers in finance facing stress-related health issues

Expat workers in finance facing stress-related health issues

October 17, 2013 Expat Banking and Finance

Expats working in the banking and financial world could be facing health worries as a new survey identifies concerns over fear of unemployment, pressure and psychological abuse. International banks often move key staff around the world and expats also tend to find jobs in the finance industry but an unstoppable wave of change is affecting [...]

Read the full article →
Thumbnail image for Half of expats do not have international medical insurance

Half of expats do not have international medical insurance

September 24, 2013 Health

Around half of expats probably do not have sufficient international private medical insurance and risk the prospect of incurring heavy costs if they become ill or suffer a serious accident. Industry data shows the percentage of expats who hold international private medical insurance standing at around the 50% mark. Although international private medical insurance provides [...]

Read the full article →