探索旅行者和外籍人士保护解决方案的未来

Round table report Exploring the future of travellerand expatriate protection solutions Executive Summary Exploring the future of traveller and expatriateprotection solutions How expatriate and traveller care is evolving amid rising medical costs,geopolitical influences and emerging technology Introduction from the round table chair Our recent round table dinner in London brought together a diverse groupof leaders from across the insurance ecosystem – including insurers,MGAs, TPAs, and brokers. During the round table, representatives fromacross all areas of the International PrivateMedical Insurance (IPMI) and travel insurancemarketplace discussed howthe industry is beingreshaped by rising medical costs, evolving is poised to transform clinical decision-making,customer engagement, and risk modelling.Payments innovationwas also identified as The evening provided an excellent forum for open dialogue on howour industry is evolving to meet new expectations and challenges. Ourdiscussion covered a range of important topics – from the reshaping ofcare and the growing focus on preventative health and mental wellbeing, Changing travel patterns and globalhealthcare inflation, meanwhile, are creatingunprecedented pressure on underwritingmodels, driving demand for more dynamic, There has been aclear move toward moreproactive and preventative care, with mentalhealth support, early intervention, and smartercase management becoming central to future We also examined how emerging risks and geopolitical instabilityare influencing assistance and coverage needs, and how evolvingdistribution models are changing the way customers access and engage Among these shifts, thebroker role remainsessential. As international health insurancegrows more complex, brokers provide clarity,advice, and vital consumer education –particularly in markets where coverage gaps are Data emerged as one of the industry’s greatestchallenges – and opportunities. Siloed medicalrecords, limited data sharing, and outdatedregulation are holding back innovation, whileAI What stood out throughout the evening was the shared commitment toadapt and collaborate – to not only respond to change, but to shape it. I’dlike to thank everyone who contributed their insights and experience towhat was a rich and forward-looking conversation. The discussion underscored a shared beliefthat closer collaboration, better data flows,and increased customer awareness will be keyto strengthening this dynamic ecosystem and Over the following pages, we deep dive on thekey insights from our round table participantsacross the major themes that are shapingtraveller and expatriate protection solutions. Round tableparticipants Ryan BeaulieuPresidentTravel GuardianInsurance and Key themes Making global insurance clearer, more accessible, and more human Evolving toward proactive, personalised global care How geopolitics and trends in mobility, tech and healthare reshapingthe insurance ecosystem Cost management strategy development in a fragmented globalhealthcare landscape Ensuring seamless access to care for globally mobile individualsand travellers Why brokers matter more than ever in a complex globalinsurance landscape P.20 Mike ValleeVice President ofBusiness DevelopmentMedway Air Ambulance Billy WarnerHead of TravelUnderwriting UK& Europe Kieran Brown, SIP Medical Family Office: Making globalinsurance clearer,more accessible, Digital transformation is well underway inthe insurance ecosystem. From a consumerstandpoint, most travellers now have access topolicy details in real time at the touch of theirfingertips, and most can access assistance with International health and travel insurance isone of the most complex – and often the mostemotive – types of coverage, particularly whena medical claim arises. To help clients navigate Independent market analysis: Understandingeach client’s specific needs is the starting point.From there, an objective review of availableoptions helps ensure the most suitable policy isselected. Since policies are typically renewed ‘While the broker-insurer-consumerrelationships of the future may lookdifferent than the ones of today, there is no Across the travel and international healthinsurance sector, one message is consistent:customers need clarity, and assistance to cutthrough complexities. Whether choosing a policyor managing a claim, insureds rely on clear sessions, and proactive communicationthroughout the policy lifecycle are so important. Support during policy use: While clients areencouraged to deal directly with insurers, weremain fully engaged throughout. This caninclude answering general questions, helpingwith pre-authorisations, identifying suitablemedical providers, or arranging second Expert advice, transparent underwriting, andpersonalised assistance remain essential,while digital tools and emerging AI enhanceaccessibility. Smooth payment processes,stronger collaboration across stakeholders, Tomorrow’s consu