Can a 65 Year Old Still Get Affordable Travel Insurance?

Why is that? Some companies would just think of their own benefits. They suppose that older people get ill more often and they are more prone to accidents and illnesses. Most insurance companies would offer a more expensive insurance plan as people get older. It is a good thing that IMG is not like them. The International Medical Group specializes in taking care of their clients without thinking of their profits. The company offers affordable travel insurance for over 65s.
The Patriot Travel Medical Insurance is for everyone who needs a short-term insurance plan for business or recreation. This plan is specifically beneficial to the older generation who loves to travel.
The following are the significant benefits of the Patriot Travel Medical Insurance:
• Various maximum limits. Each client who needs special medical care can be covered for $50,000, $100,000, $500,000, $1,000,000, or $2,000,000. This would depend on the conditions you and the company sets.
• Flexible Individual Deductible. There are choices between $0, $100, $250, $500, $1,000 or $2,500. The premium would depend on the deductible you choose.
• Fit Coinsurance. For those who receive medical attention outside the US, they do not need to pay for coinsurance anymore. IMG takes care of all the medical expenses needed by the client. For those who receive medical attention inside US, the company will shoulder 90% of medical expenses (for $5,000) as long as they get treatments under the preferred provider organization. They would also shoulder 100% up to the maximum limit. If the client opted to get treated from a non-PPO, the insurance would cover only 80% of medical costs for $5,000, but 100% up to the Maximum Limit.
• Six months of travelling period. The plan provides a short-term insurance coverage for those who travel rarely. This includes illnesses or accidents which happened during the travel and within the insurance period. The client’s health is the priority of the company. That is why if the treatment for the accident or illness exceeds the contract of the insurance, the financial and medical benefits would still continue in the next renewal of contract.
• Online Account Access. The website has MyIMG which provides instant access to the account information of the client. The company isn’t hiding anything from their insurant. Helpful workers can assist clients regarding their inquiries anytime of the day.
• World-class Medical Benefits. Medical experts are always available whenever the client seeks for medical attention. The insurance covers hospital room, intensive care, various medicines, local ambulance and dental care in case of accidents. The quality of the doctors’ work will never be put to risk for cheaper insurance. The clients of IMG deserve only the best.
• International Emergency Benefits. In case of emergencies abroad, IMG takes care of their clients by immediately sending rescue teams to provide immediate evacuation.
Unlike other insurance companies, International Medical Group can help provide affordable travel insurance for over 65s without risking their lives. Log on to the website to find the best premium plans for you.
Phone: 317 489 0189
E-mail: info@travelerfriendlyinsurance.com
Website: http://travelerfriendlyinsurance.com

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Choosing the Right Health Insurance Plans

Your best protection is obtaining health insurance policy before travelling. This is especially true if you are a frequent traveler.
There are at least health insurance plans available for international travelers namely travel and expatriate insurance. These plans include basic medical events like illness or accident although the coverage typically varies depending on the length of stay on the host country. Travel insurance plans are intended for short stays or from 7 days to 1 year. The plan includes $1 million coverage for basic healthcare needs in addition to trip delays, interruptions and cancelations. Some plans such as Global Medical Insurance Plan cover physical therapy, prescription drug and maternity.
Expatriate insurance plans are for extended stays. It may include up to $5 million coverage and it is renewable on a yearly basis. An example of such plan is Patriot Executive, which is specifically designed for US and non-US executives whose age is below 76 years old.
There are several health insurance plans options available for international travelers regardless of the purpose of the travel. As such, you have to choose the right plan that will work best for your travel needs and circumstances. Insurance contracts manifest themselves as complex documents that cannot be comprehended in one reading. Insurance providers also uses jargons that can be quite confusing such as deductibles, coinsurances, exclusions, limits per, etc. Anyhow, here are some factors to consider when choosing your own health insurance policy.
First, make sure that the insurer’s operation is financially stable. The insurer must be able to meet its obligations in paying claims to the clients. Look for insurers with credit ratings between A and A- which are indicative of the financial strength of the insuring company. You should be wary of doing business with an insurer with a credit rating that is anything beyond such ratings.
Second, ensure that the insurance administrator has a proven track record. Your priority must be finding an insurance provider that offers worldwide protection especially when you need it the most. The insurer must be well-experienced in covering international travelers. This means that it can provide worldwide assistance regardless of your location 24/7 and even on holidays. Some indicators to help you decide are the total numbers of members and countries covered and medical professional’s availability.
To emphasize, another indicator is the availability of the customer service in different languages. So, third, make certain that the insurance company can provide worldwide assistance. In case of a medical situation in a rather foreign country, you may run the risk of obtaining sub-standard healthcare due to the language barrier. The situation may further exacerbate your condition and may even lead to other uncontrollable consequences like death. For instance, if you are in a remote community with no hospital, you might be required to be air lifted to take you to the nearest hospital. Thus, it is critical that someone may communicate with the locals on your behalf perhaps through a toll-free number.
Further, some insurance providers offer at least two health insurance plans in lieu with geographical coverage. These are plans that include and exclude US and Canada coverage. If your itinerary include anywhere in the US and Canada, you must obtain a plan that is inclusive of US and Canada coverage. However, be reminded that the cost of such is a bit higher because medical costs in the US specifically in North America tends to be higher than the rest of the US and the world.
If you are a bona fide US citizen yet you are currently living outside the US, some health insurance plans may not meet your medical needs. You might be subject to provider limitations and geographical exclusions. These circumstances might limit or eliminate the available coverage when you were not in the US even when you obtained your insurance policy from a US-based insurance provider.
For non-US citizens, you will still need an international health insurance policy as a supplement to your current coverage especially when you are not in your home country. International health insurance plans may give non-US citizens an access to medical services in the US although this still depends on the provider.
There are other points that you should consider when choosing a health insurance policy. First is the coverage continuation. There are preexisting conditions stipulated on insurance contracts. These conditions are medical conditions manifested even before the insurance policy is purchased. Make sure that the insurance policy renewable without additional medical underwriting when you renew. We may develop specific medical conditions as we age and the policy should cover them even before they develop. The continuity of the policy must be also available should you decide to relocate to another country. With this, you need not apply for another health insurance plan.
Second are the preexisting conditions. These conditions must be declared when applying for health insurance plans. Insuring companies may reject a claim on the basis of non-declaration of a preexisting condition. Oppositely, declared preexisting conditions may be accepted and covered by the insuring company fully or partially. These limitations must be clear to you before you sign the health insurance contract.
Phone: 317 489 0189
E-mail: info@travelerfriendlyinsurance.com
Website: http://travelerfriendlyinsurance.com

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Traveler Friendly Insurance & Other US Insurance Providers Claim for Travel Insurance Mostly to Cover Expenses for Medical Emergencies

Since travelers intend to enjoy their stay abroad, they do not want to be troubled with high hospitalization bills in case unexpected situations arise. They have shared that among the most common reasons that clients have approached them is to inquire and redeem the amount that they are willing to extend.
Typically, the decision to purchase travel insurance is set aside by the majority including people who are frequent visitors of distant places. Especially if these individuals’ reason for going to other territories may be for mindless purposes, sparing an amount for emergencies is unlikely to be a priority. However, due to the revelations of plenty of relative situations in newspapers, TV, and the internet, they have given the investment a second thought. Since many of them would not want their plans or even their own safety threatened, saving up for it is even deemed practical.
As the unfortunate events that are likely to occur in distant places cannot be predicted, buying travel insurance is a wise decision. This way, in cases involving unfavorable outcomes, people spending time abroad are assured that getting back on track is less challenging where the costs are concerned. Since most insurers provide clients with a number that can be contacted 24 hours if something arises, they can be consoled knowing that anytime they need a grand amount for medical emergencies, they won’t be denied of it.
Just recently in the first quarter of 2014, a British national, in his late 60s, was said to have been booted out of a health clinic in Turkey after his medical insurance got cancelled. As a tourist who suddenly fell ill with mild to severe chest pains, he was rushed to the intensive care unit at the nearest hospital as suggested by physicians. During the first few weeks, all medical charges, from laboratory examinations and prescription medications to daily food budget, regular checkups, and room accommodation were taken care of. When news reached the authorities that the stacking hospital expenses are no longer covered by his insurance, he was immediately subjected to discharge.
With this not being an isolated case, numerous people are deliberately recognizing the importance of travel insurance, particularly for medical purposes. Since there are governments whose officials may not be as lenient as those in home territories, an alternative to compensate for the failure to comply with outstanding hospital bills can be advantageous. Without medical insurance and sufficient funds to pay for medical fees, they may end up like the foreign national. They may be subjected to untimely discharges, delays of proper hospital care, penalties, and even imprisonment.
According to the US Consular Affairs, most insurance providers are honest, meritorious, and unlikely to deprive clients of their claims. Sometimes, however, a number of the insured individuals file reports to be given their share at the wrong time. Due to this, they may receive lesser amounts. It is either they do it in haste or to get free medical treatment for basic injuries. Unless intended for cases of grave incidents, particularly those that call for lengthy hospitalization, it is impractical to come forward to ask for reimbursement. If costs are avoidable, it is best to put off claims until necessary.
Also, if it was agreed upon that going to highly-dangerous areas is forbidden due to safety reasons, medical insurance for travelers may not be provided. Usually, but not all, insurance companies pass along a list of territories that put visitors at extreme risk. However, if clients insist on pursuing their journey, they may wish to speak to a representative from their insurance companies.
Depending on the company that offers medical insurance for travelers, most of these groups reward clients with a lot. The list includes assistance benefits, compensation for delayed trips due to mandatory medical procedures, daily hospital allowance, medical treatment budget, personal accidents reimbursements, and personal liabilities.
Therefore, it is not recommended to purchase travel insurance from any random company. Since there are groups whose offers provide more and better benefits for travelers, weighing the options prior to officially signing up is advised. While others introduce nothing but standard coverage, some offer buyers the flexibility to choose their own set of policies and add or eliminate the ones that have been pre-selected.
Contact Information
Traveler Friendly Insurance is among the travel insurance companies worth checking out. As a reliable company and an administrator of International Medical Group (IMG), it can be of help for any medical emergencies that will occur in foreign places. When catering to individuals and groups, it presents a selection of flexible payment options, modifiable plans, and multiple deductibles that can be availed of depending on a specified budget. With years of experience in the insurance industry, it can assist with lengthy processes and make claiming for medical insurance much easier.
Phone: 317 489 0189
E-mail: info@travelerfriendlyinsurance.com
Website: http://travelerfriendlyinsurance.com

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Obesity Action, WebMD & Medical Insurance Providers Suggests Bariatric Surgery to Be a Covered Benefit of Travel Insurance

While some consider the invasive and unorthodox procedure risky, a bunch of health and fitness enthusiasts, as well as leading medical professionals, have identified it as an effective solution for weight-related problems.
Bariatric surgery, sometimes termed as gastric bypass or weight loss surgery, is a medical procedure performed on people dealing with weight issues, particularly obesity. When incorporation of a balanced lifestyle, modification of diet, and regular exercise prove ineffective in treating relative problems, getting the operation is likely to be suggested by health professionals and nutritionists as an alternative.
The surgery, revealing numerous types including Adjustable Gastric Banding, Biliopancreatic Gastric Banding, Roux-en-Y Gastric Banding, and Vertical Sleeve Gastrectomy, may be the best option for obese cluster. With each type having its own set of pros and cons and surgical risks, a preferred approach is only determined depending on the level of obesity as well as the condition of the subject.
Good candidates for bariatric surgery include health and fitness enthusiasts, obese people, and those who have failed numerous times with their techniques for losing weight. Apart from the fact that it is meant to give them a hand with weight management, availing of the operation can help reduce the risk of development of health problems such as arthritis, cardiovascular diseases, sleep apnea, and type 2 diabetes.
Especially if these people insist that the standard of medical care given by health experts internationally is a notch higher than in their own locality, medical insurance providers may not refuse to give patients that have gotten approval for the weight loss surgery the due amount. Whether or not the expenses are more costly does not matter, so long as the coverage abides by the agreement prior to or during the official purchase of the insurance policy. In a way, they are privileged to seek the best treatment they know will further their progress for their weight loss and health objectives.
With bariatric surgery being an operation that puts patients’ safety at risk, thorough screening of applicants is usually conducted. In some instances, among the screening requirements include how much the travel insurance covers. Say a specified amount for the weight loss treatment was set and the insurance coverage has not reached that figure, the subject will either be denied approval of the medical operation or he will have to find another source of funding for the additional fees.
Even after subjects have qualified as bariatric surgery candidates, meticulous evaluation still follows prior to the finalization made for the medical procedure. With the absence of pre-certified requirements, participation for gastric bypass may not be allowed. Since the possible reduction of mortality rate is a known threat, attending medical professionals are rather stern. Eating habits, family histories, and preferred lifestyles are among the factors that are checked.
Ideally, saving up for travel health insurance is a smart move but many are criticizing whether using it for bariatric surgery is justifiable. Since there are alternative and less expensive treatments for weight problems, the decision of getting it abroad may seem impractical. Although considering the fact that having insurance is a privilege, the subjects should avail of it if their attending medical professionals see fit.
Like with most medical procedures, there are risks, including post-operative ones, associated with the weight loss surgery. A few of these are allergic reactions, blood clots, deep vein thrombosis, infections, internal bleeding, and pulmonary embolisms. However, granted that the patients stick to a plan which includes a lifelong choice to practice a healthy lifestyle, the onset of a roster of complications can successfully be prevented.
In medical history, there have been times when the expenses for bariatric surgery are not covered by travel insurance. While others may reimburse for most medical charges, there are companies that are unwilling to extend fees for the particular operation. Hospitalization may be shouldered but if further investigations are conducted, the claim will be identified as invalid. Thus, it is a must to have insurance benefits fully verified before signing up for the medical procedure.
Since the weight loss treatment costs $25, 000 on average, it can be a huge investment. In most cases, upon realizing that they will not be backed by travel insurance companies, subjects make a pass on the operation and consider alternatives instead. However, so long as bariatric surgery is among the listed medical insurance coverage of an insurance provider, worrying about the finances may be unnecessary.
Contact Details
One of the trusted medical insurance providers is Traveler Friendly Insurance. As an affiliate of International Medical Group (IMG), it has provided outstanding insurance services to individuals, families, and groups, particularly to students and professionals. Should they intend to undergo bariatric surgery or other weight loss measures and other types of medical procedures while in other places, they may just get savings with the assistance of the company.
Phone: 317 489 0189
E-mail: info@travelerfriendlyinsurance.com
Website: http://travelerfriendlyinsurance.com

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Countries that offer the most affordable Health Insurance

First, what will your life there be like? You have to have some plans. It’s very important to at least have idea about what you want and where your life is headed. You should also know what kind of job you would like to get, and where you would live. And, you should definitely think about getting affordable health insurance. It may be a cliché but health really is wealth and that’s why you should go for the countries that offer the best and most affordable health insurance there is.

Which countries offer the best health insurance?

Before packing your bags and booking a flight to live your current home behind, you should first get to know which countries offer affordable health insurance so that you can pick your choice from any of them. Here they are:

France. Aside from being one of the most visited places in the world, France is a good place to reside in because of being amazing when it comes to proper medical care. 40% of France’s Gross Domestic Product (GDP) goes to healthcare. This means that they do not try to become thrifty when it comes to taking care of people living in the country. In fact, 71% of their total expenses each year goes to healthcare—a fact that makes France one of the best places to retire to when it comes to having affordable health insurance.
Australia. You may never have heard of this but the government of this country encourages those who earn way more than other people do to at least give 1 percent of their taxes for healthcare. And you know what? They do. The result is that there is 50% less deaths from ailments and accidents than that of other countries. This is also the reason why so many people are keen on migrating to Australia. Not only do they get to enjoy great natural surroundings, they also feel good because they know that they are safe and that they are in good hands.
The United Kingdom. Did you know that around 88% of prescription drugs in the United Kingdom are given to the public for free? It’s amazing because it shows how truly affordable health insurance there is. Healthcare coverage in the United Kingdom is universal—meaning it does not matter if you are rich or poor, old or young; if you need to be taken care of, hospitalized or if you need some medicines to treat your condition, it will be given to you. Even temporary residents can benefit from it, especially when it comes to emergency treatments and treatment for infectious diseases—and that’s why even if you are just visiting the UK, you’d still feel safe and away from harm because you know that no matter what happens, you would not feel like you have to cry out for help because it will easily be given to you.
Sweden. In Sweden, patients are given the chance to see specialists, especially when their diseases cannot be diagnosed or treated by general practitioners, without having to pay for much. 85% of the government’s expenses go to healthcare but residents to not have to pay a crazy amount of taxes because everything is budgeted well.
Canada. What’s interesting about Canada is that they have their own National Healthcare System that makes it easy for all 13 provinces to receive funds for proper healthcare purposes. Hospitals are also non-profit organizations, which means that they have their own budget and system that makes affordable health insurance easy for everyone to have. This also means that people who are suffering from certain diseases need not worry about their diseases getting worse because they will be well taken care of.
The Netherlands. Tulips are not the only great thing about the Netherlands. Research has it that around 70% of patients residing in the Netherlands gets to see their doctor’s hours or a day after they do not feel well and that they do not have to pay much for it. In fact, just 6% of residents in the Netherlands get to have problems with healthcare—which is a very small margin as compared to that of the United States and other countries, as well.
Germany. 90% of Germans are happy with the public healthcare system that is offered to them. Germany is known to have one of the oldest and most efficient affordable health insurance systems in the world. Quick access to proper healthcare is very important to Germans from then until now and that’s why residents of the country always feel safe and in the pink of health there.
Get what you deserve

No matter what your plans in the future are, you should never forget about these countries that offer affordable health insurance. After all, even if you have all the riches in the world, if you are always sick, then those riches would not matter at all.

Contact info:

Website: http://www.travelerfriendlyinsurance.com/

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Cover Oregon Website Voted to Be Closed

In the United States, there are organizations that exist in order to help facilitate in each State to conform with the ObamaCare. One of the states which already practice Health Insurance Exchanges is Oregon however the state website had been unanimously voted to be closed down because no customer can use the services of their website.

The closing down of the website does not mean that the State of Oregon is not anymore participating in the ObamaCare project, this just means that they would entrust to Healthcare.gov the task of enrolling their customers.

Why It Has Been Closed?

One of the reasons why the website has been voted to be closed down is the fact that the state had used up more than $303 million of the state and federal funds in order to make the project workout. The primary technology provider and the consultant for the implementation of the project were supposed to be Oracle Technologies. In fact, they had collected a total sum of $134 million in order to start the buildup of the website. However, Oracle claimed that never had they had the chance to serve their purpose as the system integrator since a role state IT leaders took over the job for them. Through investigations of the state and federal authorities it has been concluded that the problems were inadequate oversight and project management.

The Chief Information Officer said that the continuance of the project would incur additional material cost and the risk of repairing the site for the next open enrollment was very risky to take. After some time the website was able to perform some services however the enrollments for ObamaCare had to be processed by written documentation and other related means.

As you may know the process that the State of Oregon has been performing is the exact opposite of the mission of the Affordable Care Act which was supposed to let majority of the state to operate its own exchange.

Frankly, the Healthcare.gov hadn’t been a direct success. For a fact, its launch had also failed because people who were seeking for insurance found their selves impossible to sign up for an account and start looking at the plans that it was supposed to offer. Luckily, there has been a turnaround in the earlier months of 2014 which allowed the website to participate in the open enrollment and start catering to the raging needs of their customers.

About www.incomeprotectionone.com.au:

http://www.incomeprotectionone.com.au/ is a website that offers various help and tutorials related to income protection insurance. Website covers insurance related tips for Australian citizens only.

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Obesity Action, WebMD & Medical Insurance Providers Suggests Bariatric Surgery to Be a Covered Benefit of Travel Insurance

According to Obesity Action, WebMD, and a number of medical insurance providers, since the number of people, particularly in the US, interested in availing of insurance coverage abroad is rising in 2014, companies offering insurancefor travelers have included expenses for bariatric surgery as part of their coverage. While some consider the invasive and unorthodox procedure risky, a bunch of health and fitness enthusiasts, as well as leading medical professionals, have identified it as an effective solution for weight-related problems.

Bariatric surgery, sometimes termed as gastric bypass or weight loss surgery, is a medical procedure performed on people dealing with weight issues, particularly obesity. When incorporation of a balanced lifestyle, modification of diet, and regular exercise prove ineffective in treating relative problems, getting the operation is likely to be suggested by health professionals and nutritionists as an alternative.

The surgery, revealing numerous types including Adjustable Gastric Banding, Biliopancreatic Gastric Banding, Roux-en-Y Gastric Banding, and Vertical Sleeve Gastrectomy, may be the best option for obese cluster. With each type having its own set of pros and cons and surgical risks, a preferred approach is only determined depending on the level of obesity as well as the condition of the subject.

Good candidates for bariatric surgery include health and fitness enthusiasts, obese people, and those who have failed numerous times with their techniques for losing weight. Apart from the fact that it is meant to give them a hand with weight management, availing of the operation can help reduce the risk of development of health problems such as arthritis, cardiovascular diseases, sleep apnea, and type 2 diabetes.

Especially if these people insist that the standard of medical care given by health experts internationally is a notch higher than in their own locality, medical insurance providers may not refuse to give patients that have gotten approval for the weight loss surgery the due amount. Whether or not the expenses are more costly does not matter, so long as the coverage abides by the agreement prior to or during the official purchase of the insurance policy. In a way, they are privileged to seek the best treatment they know will further their progress for their weight loss and health objectives.

With bariatric surgery being an operation that puts patients’ safety at risk, thorough screening of applicants is usually conducted. In some instances, among the screening requirements include how much the travel insurance covers. Say a specified amount for the weight loss treatment was set and the insurance coverage has not reached that figure, the subject will either be denied approval of the medical operation or he will have to find another source of funding for the additional fees.

Even after subjects have qualified as bariatric surgery candidates, meticulous evaluation still follows prior to the finalization made for the medical procedure. With the absence of pre-certified requirements, participation for gastric bypass may not be allowed. Since the possible reduction of mortality rate is a known threat, attending medical professionals are rather stern. Eating habits, family histories, and preferred lifestyles are among the factors that are checked.

Ideally, saving up for travel health insurance is a smart move but many are criticizing whether using it for bariatric surgery is justifiable. Since there are alternative and less expensive treatments for weight problems, the decision of getting it abroad may seem impractical. Although considering the fact that having insurance is a privilege, the subjects should avail of it if their attending medical professionals see fit.

Like with most medical procedures, there are risks, including post-operative ones, associated with the weight loss surgery. A few of these are allergic reactions, blood clots, deep vein thrombosis, infections, internal bleeding, and pulmonary embolisms. However, granted that the patients stick to a plan which includes a lifelong choice to practice a healthy lifestyle, the onset of a roster of complications can successfully be prevented.

In medical history, there have been times when the expenses for bariatric surgery are not covered by travel insurance. While others may reimburse for most medical charges, there are companies that are unwilling to extend fees for the particular operation. Hospitalization may be shouldered but if further investigations are conducted, the claim will be identified as invalid. Thus, it is a must to have insurance benefits fully verified before signing up for the medical procedure.

Since the weight loss treatment costs $25, 000 on average, it can be a huge investment. In most cases, upon realizing that they will not be backed by travel insurance companies, subjects make a pass on the operation and consider alternatives instead. However, so long as bariatric surgery is among the listed medical insurance coverage of an insurance provider, worrying about the finances may be unnecessary.

Contact Details

One of the trusted medical insurance providers is Traveler Friendly Insurance. As an affiliate of International Medical Group (IMG), it has provided outstanding insurance services to individuals, families, and groups, particularly to students and professionals. Should they intend to undergo bariatric surgery or other weight loss measures and other types of medical procedures while in other places, they may just get savings with the assistance of the company.

Phone: 317 489 0189

E-mail: info@travelerfriendlyinsurance.com

Website: http://travelerfriendlyinsurance.com

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South Korea Pharmaceutical Market Outlook 2013

GBI Researchs new report South Korea Pharmaceutical Market Outlook 2013 provides in-depth analysis of the trends, issues and challenges facing the South Korean pharmaceutical market. The report also provides competitive benchmarking for the countrys leading pharmaceutical companies and analyzes the M&A (Mergers and Acquisitions) and strategic partnerships that shape its pharmaceutical industry. It is built using data and information sourced from proprietary databases, primary and secondary research and in-house analysis by GBI Researchs team of industry experts.

The South Korean pharmaceutical market is the 10th largest pharmaceutical market, globally. The industry is highly fragmented, with almost all the domestic pharmaceutical companies having a strong portfolio of generic products rather than expensive, branded drugs. For the entire pharmaceutical industry, an increase in insurance coverage, an ageing population and favorable government initiatives are expected to drive future growth in the pharmaceutical industry.

Improved Intellectual Property Rights (IPR), changing demographics, and government support have contributed towards making the South Korean pharmaceutical industry attractive for multinational companies. The South Korean government has signed Free Trade Agreements (FTA) with the US, Europe and India that are aimed at improving the IPR framework in the country and making the pharmaceutical industry more attractive for foreign investment. The immediate effects of the FTA may not be positive in all respects for the generics-dominated domestic pharmaceutical industry. However, it is ultimately expected to bolster the South Korean pharmaceutical industry by increasing transparency in government policies and enforcement, and price competition in the private sector.

Scope

* The macroeconomic environment of the pharmaceutical industry in South Korea, covering demographic analysis, trends, drivers and barriers
* Important industry characteristics, including the regulatory authorities, drug pricing, spending, insurance and reimbursement
* Market analysis of segments such as prescription medicines, biotechnology and over-the-counter medicines
* Competitive profiling of major domestic and international companies operating in the South Korea pharmaceutical market
* Analyses of the licensing, partnership and M&A deals that took place between 2007 and 2012

Reasons to buy

* Develop market-entry and market-expansion strategies by identifying the leading segments poised for strong growth
* Devise a more specifically-tailored country strategy through understanding the key drivers and barriers for the pharmaceutical market
* Develop key strategic initiatives by understanding leading companies key focus areas
* Accelerate and strengthen your market position by identifying key companies for M&As and strategic partnerships

To order this report:

Email: support@researchonglobalmarkets.com
US: +1 866 325 7446
UK: +44 203 514 2363
India: +91 22 4098 7600
SOURCE: Researchonglobalmarkets.com

RELATED LINK:

http://www.researchonglobalmarkets.com/south-korea-pharmaceutical-market-outlook-2013.html

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Reinsurance in Belgium, Key Trends and Opportunities

Jan 21, 2014 : Bharat Book Bureau presents the new report, on ‘Reinsurance in Belgium, Key Trends and Opportunities to 2017’ growth prospects by reinsurance categories

• Key trends and drivers for the reinsurance segment
• The Belgian reinsurance segment’s growth prospects by reinsurance ceded from direct insurance segments
• The competitive landscape in the Belgian reinsurance segment

Summary
Written premiums in the Belgian reinsurance segment increased from EUR795.2 million (US$1.2 billion) in 2008 to EUR805.3 million (US$1.0 billion) in 2012, at a CAGR of 0.3% during the review period (2008–2012). The global financial crisis in 2009 and rising sovereign debt in the country and other EU member states kept growth subdued. The treaty reinsurance category accounted for 60.4% of the total reinsurance written premium value in 2012, followed by the facultative reinsurance category with the remaining 39.6%. The Belgian reinsurance segment is relatively small when compared to other EU member states. It comprises a number of multinational corporations and no pure domestic reinsurers, forcing Belgian insurers to look to foreign insurers, primarily from Switzerland, the UK, Bermuda and the US, for support

Scope
This report provides a comprehensive analysis of the reinsurance segment in Belgium:
• It provides historical values for Belgium’s reinsurance segment for the report’s 2008–2012 review period and forecast figures for the 2012–2017 forecast period
• It offers a detailed analysis of the key categories in Belgium’s reinsurance segment, along with market forecasts until 2017
• It provides a detailed analysis of the reinsurance ceded from various direct insurance segments in Belgium and its growth prospects

Reasons To Buy
• Make strategic business decisions using in depth historic and forecast market data related to the Belgian reinsurance segment and each sector within it
• Understand the demand-side dynamics, key market trends and growth opportunities within the Belgian reinsurance segment
• Identify the growth opportunities and market dynamics within key product categories
• Gain insights into key regulations governing the Belgian insurance industry and its impact on companies and the market’s future

Key Highlights
• The Belgian reinsurance segment registered growth at a review-period CAGR of 0.3%, limited by the country’s increasing sovereign debt and political instability
• Compared to other EU member states, the Belgian reinsurance segment is small. It is also highly competitive and contains a number of leading multinational reinsurers
• Belgium’s ongoing sovereign debt crisis and underperforming insurance industry encouraged global reinsurers, such as Swiss Re, to participate in the country’s untapped reinsurance segment
• The Reinsurance Act 2009, implemented in Belgium in February 2009, stipulates the minimum guarantee capital, change of ownership and solvency margins for reinsurers operating in the country, with the aim of achieving financial soundness.
Table of contents :
Table of Contents
1 Executive Summary
2 Introduction
2.1 What is this Report About?
2.2 Definitions
2.3 Methodology
3 Belgian Insurance Industry Attractiveness
3.1 Insurance Industry Size, 2008-2017
4 Reinsurance Growth Dynamics and Challenges
4.1 Reinsurance Segment Size, 2008-2017
4.2 Reinsurance Segment Size by Type of Insurance, 2008-2017
5 Key Industry Trends and Drivers
5.1 Fundamental Business Drivers
5.2 Life Insurance Segment Drivers
5.3 Non-Life Insurance Segment Drivers
5.4 Personal Accident and Health Insurance Segment Drivers
6 Competitive Landscape and Strategic Insights
6.1 Overview
6.2 Leading Companies in the Belgian Reinsurance Segment
6.3 Secura Belgian Re – Company Overview
6.3.1 Secura Belgian Re – key facts
6.3.2 Secura Belgian Re – key financials
7 Business Environment and Country Risk
7.1 Business Confidence
7.1.1 Market capitalization trend – Brussels Stock Exchange, Belgium
7.2 Economic Performance
7.2.1 GDP at constant prices (US$)
7.2.2 GDP per capita at constant prices (US dollar)
7.2.3 GDP at current prices (US dollar)
7.2.4 GDP per capita at current prices (US dollar)
7.2.5 GDP by key segments
7.2.6 Agriculture, hunting, forestry, fishing net output at current prices (US dollars)
7.2.7 Agriculture, hunting, forestry, fishing net output at current prices as a percentage of GDP
7.2.8 Manufacturing net output at current prices (US$)
7.2.9 Manufacturing net output at current prices as a percentage of GDP
7.2.10 Mining, manufacturing and utilities at current prices (US$)
7.2.11 Mining, manufacturing and utilities at current prices, as percentage of GDP
7.2.12 Construction net output at current prices, (US$)
7.2.13 Construction net output at current prices as a percentage of GDP
7.2.14 Inflation rate
7.2.15 Exports as a percentage of GDP
7.2.16 Imports as a percentage of GDP
7.2.17 Exports growth
For more information kindly visit : http://www.bharatbook.com/insurance-market-research-reports/reinsurance-in-belgium-key-trends-and-opportunities-to-2017.html
Related link :
http://www.bharatbook.com/market-research-report/services.html

About Bharat Book Bureau:
Bharat Book Bureau is the leading market research information provider for market research reports, , company profiles, industry analysis , country reports , business reports, newsletters and online databases Bharat Book Bureau provides over a million reports from more than 400 publishers around the globe. We cover sectors starting from Aeronautics to Zoology.

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Contact us at :

Bharat Book Bureau
Tel: +91 22 27810772 / 27810773
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Personal Accident and Health Insurance in Belgium, Key Trends and Opportunities

Jan 21, 2014 : Bharat Book Bureau presents the new report, on ‘Personal Accident and Health Insurance in Belgium, Key Trends and Opportunities to 2017’ growth prospects by insurance categories

• Key trends and drivers for the personal accident and health insurance segment
• The various distribution channels in the Belgian personal accident and health insurance segment
• A detailed overview of the competitive landscape in the personal accident and health insurance segment in Belgium
• A detailed overview of the regulatory framework of the Belgian insurance industry
• A description of the personal accident and health reinsurance segment in Belgium
• Porter’s Five Forces Analysis of the personal accident and health insurance segment
• Benchmarking section on the Belgian personal accident and health insurance segment in comparison to other markets with gross written premiums of between US$10 billion and US$40 billion

Summary
In gross written premium terms, the Belgian personal accident and health insurance segment accounted for 9.7% of the country’s total insurance industry in 2012, with a value of EUR3.1 billion (US$3.9 billion) after recording a CAGR of 2.1% during the review period (2008–2012). This growth was primarily due to an increase in medical expenditure and Belgian outbound tourism. The expansion of the segment was also supported by positive demographic factors such as increased life expectancy and the country’s large urban population. In addition, an increase in the government’s private and public healthcare expenditure also fuelled segment growth. However, this was hindered to an extent by weak economic growth and the impact of the eurozone sovereign debt crisis.

Scope
This report provides a comprehensive analysis of the personal accident and health insurance segment in Belgium:
• It provides historical values for Belgium’s personal accident and health insurance segment for the report’s 2008–2012 review period and forecast figures for the 2012–2017 forecast period
• It offers a detailed analysis of the key categories in Belgium’s personal accident and health insurance segment, along with market forecasts until 2017
• It covers an exhaustive list of parameters, including written premium, incurred loss, loss ratio, commissions and expenses, combined ratio, frauds and crimes, total assets, total investment income and retentions
• It analyses the various distribution channels for personal accident and health insurance products in Belgium
• Using Porter’s industry-standard “Five Forces” analysis, it details the competitive landscape in Belgium for the personal accident and health insurance segment
• It provides a detailed analysis of the reinsurance segment in Belgium and its growth prospects
• It profiles the top personal accident and health insurance companies in Belgium and outlines the key regulations affecting them

Reasons To Buy
• Make strategic business decisions using in depth historic and forecast market data related to the Belgian personal accident and health insurance segment and each category within it
• Understand the demand-side dynamics, key market trends and growth opportunities within the Belgian personal accident and health insurance segment
• Assess the competitive dynamics in the personal accident and health insurance segment, along with the reinsurance segment
• Identify the growth opportunities and market dynamics within key product categories
• Gain insights into key regulations governing the Belgian insurance segment and its impact on companies and the market’s future

Key Highlights
• Belgium’s personal health and accident insurance segment recorded a review-period CAGR of 2.1% despite several domestic and international setbacks. Chief among these was the financial crisis that resulted from the collapse of Lehman brothers in 2009 and a subsequent increase in national debt, events which impaired Belgium’s industrial development during the review period
•Increase in outbound tourism driving growth for travel insurance category
• Personal accident and health insurance policies are primarily distributed through insurance brokers, with the brokers channel accounting for a 61.0% share of the segment’s total gross written premiums in 2012
• The Belgian insurance industry is regulated and supervised by the National Bank of Belgium (NBB) and the Financial Services and Markets Authority (FSMA)
• A number of multinational insurers, such as AXA, Ergo and Allianz, have significant operations in Belgium and multinationals collectively dominate the country’s personal accident and health insurance segment
• The written premium of Belgian health insurance is expected to reach PKR3.6 billion (US$39.2 million) in 2017, after registering a forecast-period CAGR of 19.4%
Table of contents :
1 Executive Summary
2 Introduction
2.1 What is this Report About?
2.2 Definitions
2.3 Methodology
3 Regional Market Dynamics
3.1 Overview
3.1.1 Market trends
3.1.2 Market size
4 Personal Accident and Health Insurance Segment – Regional Benchmarking
4.1 Scale and Penetration
4.1.1 Total market gross written premium
4.1.2 Premium per capita
4.1.3 Personal accident and health insurance penetration
4.2 Growth
4.2.1 Gross written premium
4.2.2 Gross written premium per capita
4.3 Efficiency and Risk
4.3.1 Loss ratio
4.3.2 Combined ratio
4.3.3 Incurred losses per capita
4.3.4 Incurred losses as a percentage of GDP
4.4 Distribution Channels
4.4.1 Direct marketing
4.4.2 Brokers
4.4.3 Bancassurance
4.4.4 Agencies
5 Belgian Insurance Industry Attractiveness
5.1 Insurance Industry Size, 2008-2017
5.2 Key Industry Trends and Drivers
6 Personal Accident and Health Insurance Segment Outlook
6.1 Personal Accident and Health Insurance Growth Prospects by Category
6.1.1 Personal accident
6.1.2 Travel insurance
6.1.3 Health insurance
7 Analysis by Distribution Channels
7.1 Direct marketing
7.2 Bancassurance
7.3 Agencies
7.4 E-Commerce
7.5 Brokers
7.6 Other channels
8 Porter’s Five Forces Analysis – Belgian Personal Accident and Health Insurance Segment
8.1 Bargaining Power of Suppliers: Low to Medium
8.2 Bargaining Power of Buyers: Medium
8.3 Barriers to Entry: Medium to High
8.4 Intensity of Rivalry: Medium
8.5 Threat of Substitutes: Medium
9 Reinsurance Growth Dynamics and Challenges
9.1 Reinsurance Segment Size, 2008-2017
9.2 Reinsurance Segment Size by Type of Insurance, 2008-2017
10 Governance, Risk and Compliance
10.1 Legislation Overview and Historical Evolution
10.2 Legislation and Market Practice by Type of Insurance
10.2.1 Life insurance
10.2.2 Property insurance
10.2.3 Motor insurance
10.2.4 Marine, aviation and transit insurance
10.2.5 Personal accident and health insurance
10.3 Compulsory Insurance
10.3.1 Motor third-party liability insurance
10.3.2 Social insurance system
10.3.3 Air carrier and aircraft operators insurance
10.4 Supervision and Control
10.4.1 International Association of Insurance Supervisors (IAIS)
10.4.2 European Insurance and Occupational Pensions Authority (EIOPA)
10.4.3 National Bank of Belgium (NBB)
10.4.4 The Financial Services and Markets Authority (FSMA)
10.5 Non-Admitted Insurance Regulations
10.5.1 Overview
10.5.2 Intermediaries
10.5.3 Market practices
10.5.4 Fines and penalties
10.6 Company Registration and Operations
10.6.1 Types of insurance organization
10.6.2 Establishing a domestic company
10.6.3 Foreign ownership
10.6.4 Types of license
10.6.5 Capital requirements
10.6.6 Solvency margins
10.6.7 Reserve requirements
10.6.8 Investment regulations
10.6.9 Statutory return requirements
10.6.10 Fee structure
10.7 Taxation
10.7.1 Insurance premium or policy taxation
10.7.2 Withholding taxes on premium paid overseas
10.7.3 Corporate tax
10.7.4 VAT
For more information kindly visit : http://www.bharatbook.com/insurance-market-research-reports/personal-accident-and-health-insurance-in-belgium-key-trends-and-opportunities-to-2017.html
Related link : http://www.bharatbook.com/market-research-report/insurance.html
About Bharat Book Bureau:
Bharat Book Bureau is the leading market research information provider for market research reports, , company profiles, industry analysis , country reports , business reports, newsletters and online databases Bharat Book Bureau provides over a million reports from more than 400 publishers around the globe. We cover sectors starting from Aeronautics to Zoology.

In case the reports don’t match your requirement then we can do a specialized Custom Research for you. Our multifarious capabilities, cross-sector expertise and detailed knowledge of various markets, put us in a unique position to take up Custom Research demands of yourself.
Contact us at :

Bharat Book Bureau
Tel: +91 22 27810772 / 27810773
Toll Free No for USA/Canada : 1-866-279-8368
Email: info@bharatbook.com
Website: www.bharatbook.com
Follow us on twitter: https://twitter.com/researchbook
Follow us on linked in : http://www.linkedin.com/company/bharat-book-bureau
Our Blog : http://blog.bharatbook.com/ 

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