The Aviva relocation trends report. Insights, challenges and solutions to aid successful relocation

Size: px
Start display at page:

Download "The Aviva relocation trends report. Insights, challenges and solutions to aid successful relocation"

Transcription

1 The Aviva relocation trends report Insights, challenges and solutions to aid successful relocation

2 Contents 3 Introduction 4 Relocation trends 6 What makes people want to experience a new country? 7 Challenges posed by foreign assignments 8 The relocation package 10 A focus on healthcare 11 How Aviva can help How we did this research We commissioned extensive research among 1,500 UK adults. In addition, we canvassed opinions from a panel of 230 UK adults who work in a company with over 1,000 employees and are in charge of sending employees to offices abroad. The sample is broadly representative of the UK across age, gender and region. This research was conducted during April and May 2012, online, on behalf of Aviva by independent research company One Poll.

3 Introduction As an experienced international medical insurance provider, we re keen to understand the trends in international relocations and challenges being faced by employers. We use this information, together with our own insights as a global employer, to develop communications that support our customers. This approach also helps inform and consistently improve our international private medical insurance products. For the past three years, Aviva has carried out its semi-gration research with consumers to understand how they d feel about working abroad, where they d like to live and their expectations and concerns about the move. This year, we ve extended our research to include the views of over 200 employers responsible for relocating employees placed on foreign assignments. The results are thought provoking. They highlight many of the challenges faced by employers the most pertinent, perhaps, being the fact that the countries in which employers are now choosing to operate are not areas that employees favour. In this report we shine a light on a number of the challenges that employees and employers face in relation to foreign assignments, and also offer some solutions to those problems. We hope that you find it a useful insight into international relocation. Relocation trends l One in five (21%) employers who manage international assignments say they ve sent more employees abroad over the past few years. Two thirds are looking to maintain or increase their current level of international assignments over the next few years. l Over half (58%) of employers are looking to relocate staff in new territories. The emerging BRIC economies (Brazil, Russia, India, China) feature highly on the list of destinations. l Just under half the employees we spoke to said they d considered a move abroad a third have friends or family who ve moved abroad in recent years. For more details please see pages 4-5 Challenges posed by foreign assignments for employers who send employees abroad l 68% of employers describe the relocation process as challenging. l Nearly half (47%) have experienced a failed international assignment. l 60% say they find the rules and regulations surrounding foreign assignments to be prohibitive and complex. For more details please see page 7 The relocation package l Over half the employers responsible for managing foreign assignments say they struggle to get the rewards package right. l 57% provide international private health insurance for their employees making it the second most offered benefit behind housing allowance. l Employers also offer support such as information about the region, contact with people already living in the area and counselling. l The benefits that employers are offering closely match the benefits employees say they want. For more details please see pages

4 Relocation trends Foreign assignments are still proving to be attractive for many companies. One in five (21%) employers who manage foreign assignments say they ve sent more employees abroad over the past few years. Moreover, two thirds are either looking to maintain their current level of international assignments or increase them in the near future. In the main, macro-economic issues have prompted businesses to consider international openings. Over half (55%) of the businesses we spoke to are targeting alternative countries for new commercial opportunities. Meanwhile, 29% think there is an opportunity to make more money in overseas markets. Which countries are employers choosing for foreign assignments Our research reveals that employers are spreading their net further to exploit new business opportunities in the globalised marketplace. Over half (58%) are sending staff overseas to the emerging BRIC economies this year: China (41%), India (41%), Russia (25%) and Brazil (25%) feature prominently on the list of destinations. How long would you be prepared to stay abroad? 37% 11% 3% 9% 21% 19% Interestingly, many of these locations also feature highly in the list of countries that employees would rather avoid. Destinations such as the USA, Australia and Spain are still a preferable choice. Not surprisingly, political unrest (64%) is a key reason given for being reticent to move. Other factors include a fear for personal safety (59%), the country being too culturally diverse (42%) and a concern that there would be difficulties communicating if English isn t widely spoken (38%). Less than six months Six months to a year One to three years More than three years but not permanently I d move abroad permanently As long as my employer wanted me to 4 The Aviva relocation trends report

5 Most popular new territories for foreign assignments are: 1) India 2) China 3) Russia 4) Brazil 5) Australia 6) USA 7) UAE Top countries employees would choose to live: 1) USA 2) Australia 3) Spain 4) France 5) New Zealand 6) Italy 7) Canada Countries that employees say they wouldn t like to move to 1) India 2) Africa 3) UAE 4) Eastern Europe 5) Far East 81% of employers send their employees abroad for up to five years. 5

6 What makes people want to experience a new country? Just under half the people we spoke to said they d considered the prospect of moving abroad. A third have friends or family who have moved overseas to work in recent years. Today s work-hard culture appears to be playing a role in this trend. Over half (60%) admitted they re having to work harder than ever before and 36% said their work-life balance has deteriorated over the past few years. Given these statistics, it s not surprising to learn that many of the people considering a move abroad are searching for a sunnier climate and a less pressurised lifestyle. Nearly seven out of ten (67%) said that living in a better climate is appealing, and 57% say they d like a better quality of life. Just over half (51%) would like a better work-life balance. Over half (59%) believe they d feel less stressed if they lived in a country with a better climate and more opportunities for outdoor living. A further 49% of employees feel they d lead a healthier lifestyle abroad. This is based on the perception that the work-life balance is better in other countries a view shared by just 14% of employers. However, over a quarter of employers agree that employees based overseas do tend to have a better quality of life. What factors factors would would influence influence your your decision decision to relocate to relocate abroad? to your preferred country? 80% 70% 60% 50% 40% 30% 20% 10% 68% 67% 40% 46% 32% 31% 18% What factors appeal to you about working abroad? 38% 42% 45% 24% 21% Better climate 50% Better quality of life 67% Better work-life balance 51% Opportunity to experience a different culture Living a healthier lifestyle Lower cost of living Opportunity to make more money 31% Less crime Better benefits 18% 15% 57% It B G S I S B H N I 0% It has a good climate Better quality of life Good work life balance Safe place to live I speak the language Similar culture Better economy Healthier lifestyle Not too far away I know people there 6 The Aviva relocation trends report

7 The challenges posed by foreign assignments A similar number (56%) say that it s challenging to deal with employees concerns It has a good climate and demands. Around half say they find it particularly difficult to get families Better quality of life settled in the new location. Good work/life balance Safe place to live 50% say that getting the benefits package right is a significant challenge. I speak the language Similar culture Better economy Given the complexities associated with relocation, it s not surprising that 68% of employers described the relocation process as challenging. Not only is there a whole raft of legislation and regulation to deal with, there are also the issues associated with different cultures each one with its own unique customs. Three in five (60%) employers say they find the rules and regulations regarding things like health provision to be prohibitively complex. Almost half have experienced failed international assignments Healthier Lifestyle Given these challenges, we weren t surprised to learn that nearly half (47%) these Not too far away businesses had experienced failed international assignments. The main reason given I know people there for employees returning home early was being homesick - missing friends and family. The trend towards relocation in more culturally diverse countries could exacerbate that issue in the future especially considering that two of the main reasons for employees returning home are cultural (37%) and language (26%) barriers. Main reasons employers give for employees wanting to return home 36% 32% 37% They missed their friends and family Only saw it as a short- term move Couldn t cope with cultural barriers Were missing their previous lifestyle Wanted to return home to raise their family 54% 47% Employers find it easiest to relocate employees under thirty-five or over fifty. Employees in their 40s married with children are the most challenging to relocate. 7

8 The relocation package Although half the employers we spoke to admit they struggle to get their rewards package right, our research reveals that employees health and wellbeing is a key priority. Over half (57%) say they want to be sure their staff can access medical support when it s needed and that treatment is paid for (43%). Three quarters of employers include international health insurance as part of their relocation package, placing it the second most offered benefit behind housing (78%). Other widely offered benefits include paying expenses (72%), arranging schooling (52%) and life insurance (40%). International private health insurance purchasing behaviours Of the 75% who said they offer international private medical insurance as part of their relocation package, the majority of those employers (59%) take out a group international private medical insurance scheme for employees based abroad. Two in five (40%) arrange their insurance through a specialist broker while a similar number (38%) go direct to the insurer. Employers take a number of factors into Main account reasons when purchasing employers international give for employees private medical insurance. wanting These to return include: home 24% 50% 32% 4% 41% 46% Most popular employee benefits offered as Most part popular of the employee relocation benefits package offered as part of the relocation package 90% 80% 78% 70% 75% 72% Quality of package Global strength Expertise in IPMI market Value for money Known trusted brand Comprehensive benefits 60% 50% 40% 30% 52% 43% 41% 40% 37% 20% 10% 0% 21% 17% 14% 4% Housing Private health insurance Expenses Schooling Car Travel insurance Life insurance Dental cover Home insurance Income protection Motor insurance Pet insurance 8 The Aviva relocation trends report

9 International private medical insurance gives staff the peace of mind that they can access medical support whenever they need it. However, we shouldn t lose sight of the fact many assignments fail because employees don t have the emotional support they need to help them settle into a new culture. Giving staff access to additional services, such as access to a doctor 24 hours a day and specialist counselling support, can make all the difference. Teresa Rogers, business lead, international, Aviva, UK Health Additional support Just under half (45%) of the people who dream of working abroad (but have not yet taken the steps to do so), say they re reluctant to leave their friends and family. The same number worry about the cost of relocating. A third say they re concerned about the practicalities of living abroad, such as arranging housing, schooling and healthcare, and in addition, it s apparent that many people worry how they d settle into a new country: 31% of people would worry that they d feel isolated 30% say they d worry that their family wouldn t be happy 29% worry that they wouldn t have a support network 19% worry how they d adapt to a different culture. The good news is that it looks as though employers are already going some way to help overcome these concerns. The majority (60%) say they prepare their employees well in advance for the move with half saying they arrange everything on their employees behalves. Moreover, employee support extends beyond traditional employee benefits. Many companies are already offering the support that people say would help make the transition abroad easier, for example; being put in contact with a colleague already living in the country, or being given regional insights and information about healthcare provision. Giving employees access to a helpline to answer any questions can also help make the relocation process less traumatic. Information about the region Put them in contact with a colleague Information about local health provision We arrange everything Give them a helpline to call Offer counselling services Little or no support What support do you give your employees? Support offered by employers Talking to another employee in the area Information about healthcare provision Having a helpline to call Information about the area Having someone to discuss concerns with My employer arranging everything My employer paying for private medical insurance My employer arranging other insurances 7% 30% 38% 50% 54% 70% 69% Support employers think would make the transition easier What support do employees think would make the transition easier? 21% 31% 30% 33% 37% 36% 42% 41%

10 A focus on healthcare We were pleased to see that employees health and wellbeing is a key priority for employers looking to deploy staff overseas. Over half (57%) of employers said their main priority is knowing that staff can access medical treatment when it s needed 34% want to know that employees have access to medical support 24 hours a day. Just under half (43%) said they like to know that treatment will be paid for in situ, and a similar number (44%) want to be confident their staff would have support in a medical emergency. When we asked employers what their employees main concerns were, during a period of illness, just over a quarter (27%) said they wanted to be confident of having prompt access to support and advice. A similar number (24%) said that employees wanted to be assured of access to the medical treatment and drugs that would help them return to health. Interestingly, waiting lists don t appear to be a concern. Only 3% of employers said that their employees would worry about the length of time they d have to wait for treatment abroad. Instead, the main issues appeared to be: language barriers (54%) quality of treatment (50%) cultural difference in the way they d be treated (24%) concerns about potentially different approaches to medicine abroad (17%). What are your key priorities What about are your your key priorities about your employees health when employees' they re abroad? health when they're abroad? Knowing they can access the treatment they need 57% Understanding what happens in a medical emergency situation Knowing that treatment will be paid for Understanding how the local health system works 41% 44% 43% Knowing that employees have access to 24 hour medical support 34% Knowing that employees can be repatriated 20% Being kept up to date with employee s progress Having access to a health expert and support 15% 15% % of employees want to know that their medical treatment is paid for when they re abroad. 30% of employers believe that the UK has better health benefits than other countries worldwide. 10 The Aviva relocation trends report

11 How Aviva can help At Aviva we help our customers navigate their way through healthcare legislation and provide tailored solutions to their healthcare needs. This includes flexing product benefits to complement health systems in different regions and ensuring compliance in areas such as the UAE. We ve also set up a special network arrangement in the US, offering our customers additional security, dedicated support and ease of access to medical care. Aviva s International Solutions policy is available to individual and corporate customers. It s a highly flexible product offering a choice of additional benefit and cost containment options to complement the extensive core cover. Customers can choose from six additional benefit options including a wellness benefit that provides up to 500 cover towards routine tests and examinations, up to 10,000 maternity cover and the option to increase out-patient cover. Alternatively, they can reduce costs by choosing one of three cost-saving options. These include; reducing their outpatient cover, choosing an alternative excess or removing specific benefits. Aviva s International Solutions policy includes a wide range of additional support including online support, round-theclock medical assistance, a 24 hour medical information helpline and My Health Passport a secure online system that enables customers to store and access their medical records while they re abroad. If a customer falls ill, we do everything we can to make it easy for them by accepting copies of invoices and claim forms, arranging treatment on their behalf, paying bills direct and offering multi-lingual helplines. Moreover, Aviva customers have exclusive access to StandbyMD a 24 hour healthcare service available in 4,000 cities, across 86 countries. StandbyMD gives Aviva customers the peace of mind that they can talk to a doctor at any time of the day or night. They can also arrange prompt access to a face-to-face consultation or home visit. Aviva has also recently partnered with PPC Worldwide to offer its customers an Employee Assistance Service at preferential rates. 11

12 Aviva Health UK Limited. Registered in England Number Registered Office 8 Surrey Street Norwich NR1 3NG. This insurance is underwritten by Aviva Insurance UK Limited. Registered in England Number 99122, Registered Office 8 Surrey Street Norwich NR1 3NG. Authorised and regulated by the Financial Services Authority. Aviva Health UK Limited, Head Office: Chilworth House Hampshire Corporate Park Templars Way Eastleigh Hampshire SO53 3RY. aviva.co.uk/health GEN /2012 Aviva plc

Employee Assistance Programme

Employee Assistance Programme 32938_ONEGI_GEN1914.qxp:32938_ONEGI_GEN1914 30/9/11 03:45 Page 1 Employee Assistance Programme Winner Best Occupational Health Provider Health Insurance Awards 2007, 2008, 2009 and 2010 Contents: Why consider

More information

Aviva Absence Management Report

Aviva Absence Management Report Aviva Absence Management Report August 2012 Overview of the report Sickness Absence 4 Sickness absence is a big concern for many employers. 40% have seen more people taking sick leave over the past few

More information

Group Life Insurance. Member Guide

Group Life Insurance. Member Guide Group Life Insurance Member Guide Aviva By choosing Aviva, part of the UK s largest insurance group, you benefit from our financial strength. Together with millions of customers worldwide you can feel

More information

YOUR COMPANY GUIDE TO A HEALTHIER FUTURE

YOUR COMPANY GUIDE TO A HEALTHIER FUTURE FOR MORE INFORMATION Call 1300 775 798 (from within Australia) +61 3 9937 4277 (from outside Australia) Visit bupa.com.au/expats Email: internationalcompanyhealth@bupa.com.au International Private Medical

More information

International Company Plan. Taking good care of. your people. wherever they are

International Company Plan. Taking good care of. your people. wherever they are International Company Plan Taking good care of your people wherever they are Bupa international medical insurance is underwritten in Australia by Mutual Community General Insurance Pty Ltd (ABN 59 007

More information

The business case for private health cover Aviva s guide to protecting your company and your employees

The business case for private health cover Aviva s guide to protecting your company and your employees The business case for private health cover Aviva s guide to protecting your company and your employees We are one of the UK s leading providers of health and protection solutions, and experts in providing

More information

International healthcare for over 30 years

International healthcare for over 30 years We know the world of healthcare International healthcare for over 30 years Our mission Our mission is to provide International Private Medical Insurance and 24 hour assistance to individuals and corporate

More information

Group Income Protection. Key Account Solutions

Group Income Protection. Key Account Solutions Group Income Protection Key Account Solutions What is Key Account Solutions? Key Account Solutions (KAS) has been designed to provide an enhanced service for our Group Income Protection schemes with an

More information

Bupa International Company Plan. Taking good care of. your people. wherever they are

Bupa International Company Plan. Taking good care of. your people. wherever they are Bupa International Company Plan Taking good care of your people wherever they are Look after your people, look after your business Every successful business relies on its people. That s why choosing the

More information

Moving Overseas Guide What You Need To Know

Moving Overseas Guide What You Need To Know Moving Overseas Guide What You Need To Know Moving abroad whether for retirement or work is an exciting but slightly daunting time, and you need to consider every area of your life that will be affected

More information

My Health Cash Plan for Groups. Group Member Handbook

My Health Cash Plan for Groups. Group Member Handbook My Health Cash Plan for Groups Group Member Handbook My Health Cash Plan for Groups My Health Cash Plan for Groups is a product designed to help you with your everyday healthcare needs. Your company has

More information

International healthcare for over 30 years

International healthcare for over 30 years We know the world of healthcare International healthcare for over 30 years Our mission Our mission is to provide International Private Medical Insurance and 24 hour assistance to individuals and corporate

More information

Changing the shape of British retirement. www.homewise.co.uk

Changing the shape of British retirement. www.homewise.co.uk Changing the shape of British retirement Free Phone 0800 043 33 66 About us Welcome to Homewise Like many people, you may have spent years looking forward to a dream retirement lifestyle, perhaps wanting

More information

Global Insurance for Expatriates and International Citizens

Global Insurance for Expatriates and International Citizens Global Insurance for Expatriates and International Citizens Peace of mind for life overseas Life as an expat is full of adventure and exciting opportunities Making the most of it is easier knowing that

More information

Worldwide health insurance, world class care

Worldwide health insurance, world class care Worldwide health insurance, world class care 2015 Worldwide health insurance, world class care If a brighter future means moving abroad, the quality and cost of healthcare can be a big worry. Make sure

More information

Solutions Application Form

Solutions Application Form Solutions Application Form group size appropriate to your policy: 2-99 group members 100-249 group members read through the following before completing this application in BLOCK CAPITALS and in black ink.

More information

Income protection. Paying you a monthly income if you can t work because of an accident or illness

Income protection. Paying you a monthly income if you can t work because of an accident or illness Income protection Paying you a monthly income if you can t work because of an accident or illness Income Protection How it works when you can t Income Protection is a type of insurance which helps replace

More information

Private medical insurance claim form

Private medical insurance claim form Private medical insurance claim form *113N1A3B* Please make sure that you read the following before completing the claim form: n Confirmation of cover will be provided when we have made a decision on your

More information

TRAVEL INSURANCE FOR COVER ON THE GO BUPA. FIND A HEALTHIER YOU

TRAVEL INSURANCE FOR COVER ON THE GO BUPA. FIND A HEALTHIER YOU TRAVEL INSURANCE FOR COVER ON THE GO BUPA. FIND A HEALTHIER YOU Insurance issued by CGU Insurance Limited (CGU) ABN 27 004 478 371 AFSL 238291. Any advice contained in this document is general advice only

More information

NEW & IMPROVED. UltraCare. International medical insurance for you and your family

NEW & IMPROVED. UltraCare. International medical insurance for you and your family UltraCare NEW & IMPROVED International medical insurance for you and your family 2014 Get a quote www.interglobalpmi.com Call +44 (0)1252 745 966 They ve all got a good reason to smile with UltraCare They

More information

YOUR COMPANY GUIDE TO A HEALTHIER FUTURE

YOUR COMPANY GUIDE TO A HEALTHIER FUTURE Raffles Health Insurance Pte Ltd (Company Registration No: 200413569G) 133 Middle Road Bank of China Plaza #02-00 Singapore 188974 www.raffleshealthinsurance.com +65 6340 1660 General services: +44 (0)

More information

The Borderless Workforce 2011. Australia and New Zealand Research Results

The Borderless Workforce 2011. Australia and New Zealand Research Results The Borderless Workforce 2011 Australia and New Zealand Research Results Introduction Given the fact that neither Australia or New Zealand are facing problems, like high unemployment rates during the labour

More information

They treat the customer s priorities as their own.

They treat the customer s priorities as their own. Connecting Currency They treat the customer s priorities as their own. TorFX are the best currency exchange agents I have used in 35 years of business. Their charges are transparent and great value. Their

More information

International Private Medical Insurance

International Private Medical Insurance A Guide to Private Medical Insurance A Guide to International Private Medical Insurance Protecting you and your family 02 A Guide to Private Medical Insurance Private medical insurance provides immediate

More information

GLOBAL INSURANCE FOR EXPATRIATES. Your health in our hands

GLOBAL INSURANCE FOR EXPATRIATES. Your health in our hands GLOBAL INSURANCE FOR EXPATRIATES Your health in our hands THE challenges EXPATRIATES FACE ABROAD Life as an expatriate is full of exciting opportunities, but there are potential problems to consider too:

More information

Working Hours A G LO B A L C O M PA RI S O N

Working Hours A G LO B A L C O M PA RI S O N Working Hours A GLOBAL COMPARISON Contents Introduction................................. 2 working hours......................... 4 The impact of technology....................... 5 Work/life balance.............................

More information

Your guide to a healthier future

Your guide to a healthier future Your guide to a healthier future Bupa International Bupa International Victory House Trafalgar Place Brighton BN1 4FY United Kingdom www.bupa-intl.com FSA-BWHO-SALES-11v10.1 Every bit of research, every

More information

Plans for Children. Helping your child smile with confidence. Speak to your dentist today

Plans for Children. Helping your child smile with confidence. Speak to your dentist today Plans for Children Helping your child smile with confidence Speak to your dentist today Plans for Children Helping to stop problems before they start Plans for Children allows your dentist to provide the

More information

Outsourcing: driving efficiency. and growth. Grant Thornton International Business Report 2014

Outsourcing: driving efficiency. and growth. Grant Thornton International Business Report 2014 Outsourcing: driving efficiency and growth Grant Thornton International Business Report 2014 Outsourcing: driving efficiency and growth Contents Introduction Outsourcing today Drivers Encouraging outsourcing

More information

International Private Medical Insurance

International Private Medical Insurance A Guide to Private Medical Insurance A Guide to International Private Medical Insurance Protecting your biggest asset your employees 02 Citrus Healthcare Consulting Limited www.citrushealthcare.co.uk Private

More information

Income Protection Options Policy summary

Income Protection Options Policy summary Income Protection Options Policy summary This summary tells you the key things you need to know about our Income Protection Options policy. It doesn t give you the full terms of the policy. You can find

More information

NEW & IMPROVED. UltraCare. International Schools. International medical insurance for teachers working abroad

NEW & IMPROVED. UltraCare. International Schools. International medical insurance for teachers working abroad UltraCare International Schools NEW & IMPROVED International medical insurance for teachers working abroad 2014 Get a quote www.interglobalpmi.com Call +44 (0)1252 745 966 They ve all got a good reason

More information

Application for Private Medical Insurance Policyholders switching to Healthier Solutions

Application for Private Medical Insurance Policyholders switching to Healthier Solutions For office use only SR. Application for Private Medical Insurance Policyholders switching to Healthier Solutions Important: please read this section and then complete the application in BLOCK CAPITALS

More information

GLOBAL INSURANCE FOR EXPATRIATES. Your health in our hands

GLOBAL INSURANCE FOR EXPATRIATES. Your health in our hands GLOBAL INSURANCE FOR EXPATRIATES Your health in our hands THE challenges EXPATRIATES FACE Life as an expatriate is full of exciting opportunities, but there are potential problems to consider too: A serious

More information

YOUR LIFELINE GUIDE TO A HEALTHIER FUTURE

YOUR LIFELINE GUIDE TO A HEALTHIER FUTURE Raffles Health Insurance Pte Ltd (Company Registration No: 200413569G) 133 Middle Road Bank of China Plaza #02-00 Singapore 188974 www.raffleshealthinsurance.com +65 6340 1660 General services: +44 (0)

More information

Global Investment Trends Survey May 2015. A study into global investment trends and saver intentions in 2015

Global Investment Trends Survey May 2015. A study into global investment trends and saver intentions in 2015 May 2015 A study into global investment trends and saver intentions in 2015 Global highlights Schroders at a glance Schroders at a glance At Schroders, asset management is our only business and our goals

More information

IFS Global Health. A global healthcare solution for Standard Chartered Bank Customers

IFS Global Health. A global healthcare solution for Standard Chartered Bank Customers IFS Global Health A global healthcare solution for Standard Chartered Bank Customers Issued and underwritten by AVIVA Ltd. for Standard Chartered Bank Customers Dear Valued Customer, We are pleased to

More information

Whatever s special about your family life, make sure you protect it

Whatever s special about your family life, make sure you protect it Whatever s special about your family life, make sure you protect it Your family is special, so make sure you protect it When something awful happens, it feels like normal life stops. But, even for a family

More information

The Future of Retirement Choices for later life. Singapore Report

The Future of Retirement Choices for later life. Singapore Report The Future of Retirement Choices for later life Singapore Report The research The Future of Retirement is a world-leading independent research study into global retirement trends, commissioned by HSBC.

More information

NEW & IMPROVED. UltraCare. International medical insurance for you and your family

NEW & IMPROVED. UltraCare. International medical insurance for you and your family UltraCare NEW & IMPROVED International medical insurance for you and your family 2014 Get a quote www.interglobalpmi.com Call +84 8 3825 8421 They ve all got a good reason to smile with UltraCare They

More information

An innovative approach to Group Income Protection PROACTIVE PROTECTION FROM METLIFE

An innovative approach to Group Income Protection PROACTIVE PROTECTION FROM METLIFE An innovative approach to Group Income Protection PROACTIVE PROTECTION FROM METLIFE 2 Contents Introduction 3 ProActive Protection 4 How it works 5 ProActive Interventions 6 ProActive Support 7 ProActive

More information

Under 65 years of age General exclusions Over 65 years of age (65 to 79 years) 80 s and over vhi.ie/travel 1890 866 822 Vhi.

Under 65 years of age General exclusions Over 65 years of age (65 to 79 years) 80 s and over vhi.ie/travel 1890 866 822 Vhi. Travel Insurance 2015 Travel Insurance Vhi MultiTrip is Ireland s leading MultiTrip travel insurance. It provides cover for your holidays throughout the year and offers extensive benefits, including cover

More information

Hospital Lists J3612-GEN2318-0815-001.indd 1 11/08/15 7:22 pm

Hospital Lists J3612-GEN2318-0815-001.indd 1 11/08/15 7:22 pm Hospital Lists J3612-GEN2318-0815-001.indd 1 Hospital Lists With Aviva it s reassuring to know that not only will you have access to top quality medical care, but that you can also choose the hospital

More information

Healthcare. Your Employees Health & Wellbeing is our concern. Protecting people that matter. www.rossborough.co.uk

Healthcare. Your Employees Health & Wellbeing is our concern. Protecting people that matter. www.rossborough.co.uk Healthcare Your Employees Health & Wellbeing is our concern Protecting people that matter www.rossborough.co.uk Who we are... Rossborough Healthcare International Limited is an independent insurance broker

More information

NEW & IMPROVED. UltraCare. International medical insurance for you and your family

NEW & IMPROVED. UltraCare. International medical insurance for you and your family UltraCare NEW & IMPROVED International medical insurance for you and your family 2014 Get a quote www.interglobalpmi.com Call +62 21 2924 1977 They ve all got a good reason to smile with UltraCare They

More information

Priority Health. Priority Health and Priority Health 6 Summary. October 2014. Page 3

Priority Health. Priority Health and Priority Health 6 Summary. October 2014. Page 3 Priority Health Priority Health and Priority Health 6 Summary October 2014 Page 3 Contents About this summary 3 What is Priority Health? 4 1 Your Core health insurance 5 2 Choose your Add-ons 6 3 Find

More information

Talent Trends 2014. What s on the minds of the professional workforce

Talent Trends 2014. What s on the minds of the professional workforce Talent Trends 2014 What s on the minds of the professional workforce Introduction For career-minded people everywhere, these are interesting times. Economies continue to falter in several regions of the

More information

Employee Mobility Survey

Employee Mobility Survey Employee Mobility Survey Employees in 24 Countries Assess Employee Mobility for a Total Global Perspective January 2013 Canadian Employee Relocation Council Executive Summary Executive Summary Thank you

More information

ANATOMY OF AN INTERNATIONAL BUSINESS

ANATOMY OF AN INTERNATIONAL BUSINESS ANATOMY OF AN INTERNATIONAL BUSINESS WWW.EXPACARE.COM 1 INTRODUCTION Globally there s a firm trend for businesses to look beyond their borders in pursuit of growth. Yet, to date, this trend to globalisation

More information

International money transfer 101 for businesses

International money transfer 101 for businesses transfer 101 for businesses transfer 101 for businesses Think global, act local. It s been a big business mantra since the 80s, but in the internet era the term has a new meaning. Nowadays, companies can

More information

Outsourcing: driving efficiency and growth. Grant Thornton International Business Report 2014

Outsourcing: driving efficiency and growth. Grant Thornton International Business Report 2014 Outsourcing: driving efficiency and growth Grant Thornton International Business Report 2014 Outsourcing trends Contents Introduction Outsourcing today Drivers Obstacles Encouraging outsourcing This report

More information

A GUIDE TO UNDERSTANDING EMPLOYER & EMPLOYEE ATTITUDES TOWARDS DENTAL CARE

A GUIDE TO UNDERSTANDING EMPLOYER & EMPLOYEE ATTITUDES TOWARDS DENTAL CARE A GUIDE TO UNDERSTANDING EMPLOYER & EMPLOYEE ATTITUDES TOWARDS DENTAL CARE Introduction Regular visits to the dentist are an important part of a health regime, helping to keep teeth and gums healthy and

More information

Putting your best foot forward. Managing corporate security in a world of consumer devices an analysis of primary research

Putting your best foot forward. Managing corporate security in a world of consumer devices an analysis of primary research Putting your best foot forward Managing corporate security in a world of consumer devices an analysis of primary research Take two footwear manufacturers: one in Milan, Italy and one in Sao Paulo, Brazil.

More information

YOUR LIFE YOUR HEALTH YOUR BENEFIT. Welplan Health Care Scheme MEMBER SUMMARY. Effective from 1 April 2015. bupa.co.uk

YOUR LIFE YOUR HEALTH YOUR BENEFIT. Welplan Health Care Scheme MEMBER SUMMARY. Effective from 1 April 2015. bupa.co.uk MEMBER SUMMARY YOUR LIFE YOUR HEALTH YOUR BENEFIT Welplan Health Care Scheme Effective from 1 April 2015 bupa.co.uk This is page 1 of 8 which should be read together in full. These pages are for the summary

More information

Global Health Essential. Regional Cover for the Costs of Healthcare Overseas

Global Health Essential. Regional Cover for the Costs of Healthcare Overseas Global Health Essential Regional Cover for the Costs of Healthcare Overseas Cover for your essential medical costs abroad The Essential plans are designed for expatriates and international citizens who

More information

GLOBAL B2C E-COMMERCE DELIVERY 2015

GLOBAL B2C E-COMMERCE DELIVERY 2015 PUBLICATION DATE: OCTOBER 2015 PAGE 2 GENERAL INFORMATION I PAGE 3 KEY FINDINGS I PAGE 4-8 TABLE OF CONTENTS I PAGE 9 REPORT-SPECIFIC SAMPLE CHARTS I PAGE 10 METHODOLOGY I PAGE 11RELATED REPORTS I PAGE

More information

ANNUITIES. INVEST A LITTLE TIME FOR A LOT OF VALUE.

ANNUITIES. INVEST A LITTLE TIME FOR A LOT OF VALUE. FOR FINANCIAL INTERMEDIARIES ONLY. NOT APPROVED FOR USE WITH CUSTOMERS. a fresh perspective ANNUITIES. INVEST A LITTLE TIME FOR A LOT OF VALUE. Raising awareness of the need to put effort into securing

More information

The Future of Retirement Choices for later life. Global Report

The Future of Retirement Choices for later life. Global Report The Future of Retirement Choices for later life Global Report Contents 4 Foreword 6 Key findings 8 Executive summary 10 The rise of semi-retirement 16 The hopes and dreams of a new retirement generation

More information

Tailored For Business!

Tailored For Business! Tailored For Business Contents This brochure features a small selection of the products we have to offer. If any of the products featured don t exactly match your requirements we have access to products

More information

Healthcare Revealed A consumer guide to buying private medical insurance

Healthcare Revealed A consumer guide to buying private medical insurance Healthcare Revealed A consumer guide to buying private medical insurance Welcome to Healthcare Revealed, our guide to helping you understand private medical insurance. In the last few years, the number

More information

Revolutionising Life Assurance. Life assurance around the world, around the clock

Revolutionising Life Assurance. Life assurance around the world, around the clock Revolutionising Life Assurance Life assurance around the world, around the clock Welcome to HealthCare International As a specialist provider of international and expatriate life and income protection

More information

Japan 94% of parents think that their children s safety has improved since moving. China is home to the highest earning expats in the world

Japan 94% of parents think that their children s safety has improved since moving. China is home to the highest earning expats in the world Explorer Survey 2014 - life worldwide Canada is the most popular destination for retired expats UK expats spend more time socialising with locals than with other expats Switzerland comes top as an all-round

More information

I can rely on BUPA International to be there when I need them most. Lifeline

I can rely on BUPA International to be there when I need them most. Lifeline I can rely on BUPA International to be there when I need them most Lifeline t h e w o r l d h e a l t h s e r v i c e Trust BUPA International to look after you. If you have any questions about how we

More information

Travellers and expatriates Frequently asked questions

Travellers and expatriates Frequently asked questions Travellers and expatriates Frequently asked questions Introduction Your company has partnered with International SOS to provide you with medical and security advice and assistance before, during and after

More information

Prospectus Keeping business on the move. Fleetwise

Prospectus Keeping business on the move. Fleetwise Prospectus Keeping business on the move Fleetwise Fleetwise Protecting your fleet business. Our market leading Fleetwise policy can provide cover for virtually any vehicle you ve got, and any vehicle combination.

More information

Wesleyan provides help when you need it most

Wesleyan provides help when you need it most Wesleyan provides help when you need it most 02 Personal Income Protection Plan Relax, You re covered At Wesleyan, we ve been providing specialist financial advice and solutions to professionals for over

More information

Member Benefits. More than just mortgages, insurance, savings and investments. Find out how we can help you and your family...

Member Benefits. More than just mortgages, insurance, savings and investments. Find out how we can help you and your family... Member Benefits More than just mortgages, insurance, savings and investments Find out how we can help you and your family... It s a mutual thing At Police Mutual we work hard to understand exactly what

More information

The Power of Protection. Confidence in the future. Global Report

The Power of Protection. Confidence in the future. Global Report The Power of Protection Confidence in the future Global Report 2 The Power of Protection Confidence in the future Contents 4 Foreword 6 Key findings 8 A positive outlook 10 Planning for the future 14 Sufficiently

More information

International private medical insurance

International private medical insurance International private medical insurance Andy Couchman International private medical insurance, or ipmi, has been a growing success story in recent years. Indeed UK based providers have led the way in developing

More information

FOR you PROTECTION peace Of mind PROSPERITy

FOR you PROTECTION peace Of mind PROSPERITy for You Protection peace of mind prosperity Here to guide you through the minefield safely Insurance. We all need it, would probably be lost without it, and it s safe to say that we all find arranging

More information

NEW & IMPROVED. UltraCare. International Schools. International medical insurance for teachers working abroad

NEW & IMPROVED. UltraCare. International Schools. International medical insurance for teachers working abroad UltraCare International Schools NEW & IMPROVED International medical insurance for teachers working abroad 2014 Get a quote bnlmedical@bnhgroup.com Call +973 17 587 333 They ve all got a good reason to

More information

The One Virtually Unknown Trick to Getting Onshore Call Center Quality with Offshore Pricing

The One Virtually Unknown Trick to Getting Onshore Call Center Quality with Offshore Pricing The One Virtually Unknown Trick to Getting Onshore Call Center Quality with Offshore Pricing The One Virtually Unknown Trick to Getting Onshore Call Center Quality with Offshore Pricing In an increasingly

More information

A fresh approach to Global Employee Assistance Programmes. Helping to make wellbeing part of your culture

A fresh approach to Global Employee Assistance Programmes. Helping to make wellbeing part of your culture A fresh approach to Global Employee Assistance Programmes Helping to make wellbeing part of your culture Proactively supporting employees will benefit your business. AXA ICAS International has developed

More information

MyMoney s guide to medical insurance

MyMoney s guide to medical insurance The best deals from leading insurers MyMoney s guide to medical insurance Public versus Private Medical Coverage Reasons why people buy Private Medical Insurance What are the different options available

More information

Your Global Partner in International Private Medical Insurance. Expatriate Care Playbook

Your Global Partner in International Private Medical Insurance. Expatriate Care Playbook Your Global Partner in International Private Medical Insurance Expatriate Care Playbook AT A GLANCE 95+ Years in operation 90M Clients served by AIG companies 99.6% Fortune 500 companies AIG serves ~65,000

More information

Researchers to sniff out tuberculosis using

Researchers to sniff out tuberculosis using expat health insurance news and health tipsthe Insiders' Guide to Expatriate Health Search RSS feed Home Researchers to sniff out tuberculosis using electronic nose By Nick Lewandowski - 8 November 2011

More information

Preferential The health plan that provides comprehensive private medical insurance cover

Preferential The health plan that provides comprehensive private medical insurance cover Preferential The health plan that provides comprehensive private medical insurance cover HEALTH INSURANCE Preferential Private Health Cover Preferential provides your employees with extensive levels of

More information

COMPETITION IN THE AUSTRALIAN PRIVATE HEALTH INSURANCE MARKET

COMPETITION IN THE AUSTRALIAN PRIVATE HEALTH INSURANCE MARKET COMPETITION IN THE AUSTRALIAN PRIVATE HEALTH INSURANCE MARKET Page 1 of 11 1. To what extent has the development of different markets in the various states had an impact on competition? The development

More information

GuideWell. Making PMI more sustainable and affordable for larger companies.

GuideWell. Making PMI more sustainable and affordable for larger companies. GuideWell Making PMI more sustainable and affordable for larger companies. GuideWell We ve created GuideWell, a private medical insurance policy that puts the needs of your business and your employees

More information

70% of the world is covered by water,

70% of the world is covered by water, 70% of the world is covered by water, the rest is covered by clements. Global broker NetworK ProsPectUS Global Broker Network About the Network: Clements Worldwide, the leading provider of insurance solutions

More information

Regional cover with a personalised touch Executive Healthcare Plan

Regional cover with a personalised touch Executive Healthcare Plan Regional cover with a personalised touch Executive Healthcare Plan www.aetnainternational.com 66.02.918.1-MEA B (5/15) At Aetna, we make it our business to understand your health care needs. With more

More information

The rise of the cross-border transaction. Grant Thornton International Business Report 2013

The rise of the cross-border transaction. Grant Thornton International Business Report 2013 The rise of the cross-border transaction Grant Thornton International Business Report 2013 Foreword MIKE HUGHES GLOBAL SERVICE LINE LEADER MERGERS & ACQUISITIONS GRANT THORNTON INTERNATIONAL LTD When reflecting

More information

The Cisco Connected World Technology Report

The Cisco Connected World Technology Report The Cisco Connected World Technology Report September 21, 2011 2011 Cisco and/or its affiliates. All rights reserved. 1 Timing and Sample Qualifications This report discusses the findings for 1,441 College

More information

Employees traveling overseas: Managing the risks of unexpected medical emergencies

Employees traveling overseas: Managing the risks of unexpected medical emergencies : Managing the risks of unexpected medical emergencies Are you aware of all the travel assistance services accessible to your employees? Imagine facing this difficult scenario as either an employee or

More information

MOBILISING TALENT: The Global Mobility Challenge

MOBILISING TALENT: The Global Mobility Challenge MOBILISING TALENT: The Global Mobility Challenge 2 MOBILISING TALENT: The Global Mobility Challenge MOBILISING TALENT: The Global Mobility Challenge 3 BACKGROUND, METHODOLOGY AND RESPONDENT CRITERIA This

More information

WorklifE solutions. Telephone and online support for happier, healthier, switched-on employees. EmployEE AssistAncE programme

WorklifE solutions. Telephone and online support for happier, healthier, switched-on employees. EmployEE AssistAncE programme EmployEE AssistAncE programme WorklifE solutions. Telephone and online support for happier, healthier, switched-on employees. INSURANCE. SAVINGS. INVESTMENT MANAGEMENT. 2 EmployEE AssistAncE programme

More information

Your guide to retiring abroad. Retirement. Your biggest adventure yet?

Your guide to retiring abroad. Retirement. Your biggest adventure yet? Your guide to retiring abroad Retirement. Your biggest adventure yet? Your guide to retiring abroad Retirement. Your biggest adventure yet? Inside this guide: Planning for success Picking the right destination

More information

Connecting Currency. Tel: +44 (0)1736 335250 www.torfx.com

Connecting Currency. Tel: +44 (0)1736 335250 www.torfx.com Connecting Currency Consistently Excellent I have used TorFX for nearly 5 years now. From major transfers to smaller ones, the service works like a finely tuned machine. Daily market updates are excellent,

More information

International money transfer 101

International money transfer 101 International money International money Today we live in a marketplace that s truly global. Constant digital innovations have made overseas trading and purchasing easier than ever. And with 200 million

More information

Marketing Consultancy Division (MCD) Export Consultancy Unit (ECU) Export in Focus. Jumada Awal, 1428 (May, 2007)

Marketing Consultancy Division (MCD) Export Consultancy Unit (ECU) Export in Focus. Jumada Awal, 1428 (May, 2007) Marketing Consultancy Division (MCD) Export Consultancy Unit (ECU) Export in Focus Factoring & Forfaiting Jumada Awal, 1428 (May, 2007) 1 Factoring & Forfaiting While the business opportunities associated

More information

Dear Member: Algonquin College 27 Assistance Centers Global Security Center Global Information Center Regional Security Centers

Dear Member: Algonquin College 27 Assistance Centers Global Security Center Global Information Center Regional Security Centers Dear Member: Algonquin College continues to be concerned with your health and safety while you are traveling to an international location, participating in a study abroad or academic assignment abroad.

More information

Bupa Malta Health Insurance

Bupa Malta Health Insurance Bupa Malta Health Insurance Bupa in Malta is brought to you by About 2 www.bupa.com.mt Bupa As a leading international healthcare group, Bupa offer personal and company health insurance, run care homes

More information

www.healthcareinternational.com

www.healthcareinternational.com REVOLUTIONISING TRAVEL INSURANCE www.healthcareinternational.com Welcome to HealthCare International As a specialist provider of private medical and related personal insurances, we have the experience

More information

INNOVATIVE 5-STAR SERIOUS ILLNESS COVER

INNOVATIVE 5-STAR SERIOUS ILLNESS COVER INNOVATIVE 5-STAR SERIOUS ILLNESS COVER FROM VITALITYLIFE VITALITY.CO.UK/LIFE YOU RE UP TO TWICE 1 AS LIKELY TO GET A PAYOUT FROM OUR SERIOUS ILLNESS COVER THAN YOU ARE FROM A TYPICAL CRITICAL ILLNESS

More information

What is Global Travel Plus?

What is Global Travel Plus? SM What is Global Travel Plus? The simple answer to this question is that Global Travel Plus is a provider of global emergency medical services for travelers. If a covered member becomes ill or injured

More information

Why do I need protection?

Why do I need protection? Why do I need protection? What s inside 3 Life cover 4 Critical illness cover 7 Income protection 8 Who else would you rely on? 10 It might cost less than you think 12 A word from your adviser... Introduction

More information

Income Protection Solutions

Income Protection Solutions Income Protection Solutions Adviser s Data Capture Form Please note that this is NOT an Application Form The purpose of this form is to help you, the Adviser, gather information from your client before

More information

For customers Friends Life Protect+ Income Protection Cover. Income Protection Cover. It s income protection. And more.

For customers Friends Life Protect+ Income Protection Cover. Income Protection Cover. It s income protection. And more. For customers Friends Life Protect+ Income Protection Cover Income Protection Cover It s income protection. And more. It s income protection. And... 2 it addresses a vital need it provides a regular income

More information

Health nsurance. Your Company guide to a healthier future

Health nsurance. Your Company guide to a healthier future Administered by Raffles Health Insurance Pte Ltd (Company Registration No: 200413569G) 133 Middle Road Bank of China Plaza #02-00 Singapore 188974 www.raffleshealthinsurance.com +65 6340 1660 General services:

More information

Introduction - Bupa Worldwide Health Options (BWHO)

Introduction - Bupa Worldwide Health Options (BWHO) Introduction - Bupa Worldwide Health Options (BWHO) Thank you for your enquiry. BUPA (British United Provident Association) is the biggest world class private medical insurance that makes quality health

More information