country panel presentation: international mobile …...country panel presentation: international...

© International Group Program

Country Panel Presentation: International Mobile Employees

2016 IGP Regional EMEA Seminar Windsor, May 24-26, 2016

Andrew Nicol, Head of Strategic Partnerships, AXA Global Protect

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This presentation was exclusively prepared for the attendees of the 2016 IGP Regional EMEA Seminar. None of the contents of this presentation may be copied or disclosed to any other party or used for any other purpose than the one mentioned above without IGP's prior written permission.


Key Topics

Background Information

The case for Global Mobile Solutions &

Trends

Global Healthcare

Benefits

Global Protection

Benefits

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Increase in preventable

conditions

Health around the world is diverse…and changing

13 ‘super-aged’ societies by 2020

by 2020, it is anticipated there will be more than

50 billion connected devices globally, with

mobile being the primary internet device

for most individuals

Growth in health and fitness apps is 87% faster than

the entire mobile app industry

The top medical conditions requiring

treatment in developing countries are more likely to be treatable diseases

Chronic conditions are more likely to affect the lives of members in

developed countries

Medical advances

New ways to consume

information

New ways to monitor and

manage health and wellbeing

AXA – International Mobile Employees

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Global mobility is increasing…and changing

Many companies will send employees overseas more frequently, often for short periods, on project-based assignments or to take part in training. Economist Intelligence Unit – Global Firms in 2020

There will be movement of managers not only from headquarters to local markets, but the other way around, and between different local markets as well. Economist Intelligence Unit – Global Firms in 2020

Global mobility is becoming more prevalent

47% have been an expat on multiple occasions

The traditional flow of talent from west to east will be reversed 2020+

What does the future hold for global businesses? Global organisations will develop more assignment locations

Average number of host locations

13 22 33

Today 2020+ 2020+ 1990s


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International Mobility – A complex environment Landscape of international Mobility situations

Cat

egor

ies

Multinational Corporate Client

Impa

ct o

n so

cial

se

curi

ty

Home plan

No home OR

No host (or insufficient) Home plan

No home OR

No host (or insufficient

Home plan

No home OR

No host (or insufficient

GAP NO GAP NO GAP GAP NO GAP GAP

Traditional Expat 1-5 years

Long Term Expat 5 years

Third Country Nationals (TCN’s)

Localized employees


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Regional Entities

AXA Global Protect as part of the AXA Group

AXA Group

Health Property and Casualty

Life and Savings

AXA MedLa AXA Asia AXA UK AXA France AXA NORCEE

Business Boards


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Health and Protection – Health Protection cover designed to meet the needs of forward thinking global businesses in today’s increasingly competitive talent market

Protection Travel insurance

Wellbeing and Assistance

Global health

insurance

Portable global health insurance plans

Global mental health services Local wellbeing programmes

Global Life benefits Disability benefits Critical illness cover Income protection Pension

Global corporate travel plans

Delivering Health protection for ambitious global organisations

Protection Travel


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Key Topics


Global services that protect their people

locally

Global Healthcare

Benefits

Global Protection

Benefits

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Meeting the health insurance needs of an organisation's entire workforce

EMPLOYEE PROFILE WHAT DO THEY NEED?

SILVER Middle management

• Regional and/or home country cover • Enhanced cover • Restricted treatment networks

BRONZE White collar non-managers

• Local and/or home country cover • Enhanced cover • Restricted treatment networks • Co-pays

BASIC Manual workers

• Basic local cover • Restricted treatment networks • Co-pay options

GOLD Globally mobile employees/ Senior management

• International cover • Portability and continuity options • Premium coverage • Unrestricted treatment network • International healthcare navigation


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Organisations need global services that protect their people locally

Against this complex and ever changing global healthcare landscape, there are many challenges for expanding organisations to overcome

Consistency of care and service

Access to premium care and support on a global scale One to one support

Complexity of global healthcare regulations

Ensuring cover is truly compliant Differing regulations market, by market New and ever changing regulations to keep abreast of

Attracting the best talent

Competitive benefits package – often bespoke Continuity of cover Protection for the family

Cost containment without compromise

Consistent service experience, globally Access to quality care and facilities Reassurance that claims are paid directly


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Global treatment

provider network

Global assistance services

Global servicing platform

Delivering the Global Protect Health Plans


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Procurement strength

Established. Trusted.

Globally recognised, leading brand

Achieving a careful balance between cost with care

Global scale Appropriate

treatment and care Active claims management

Second medical opinions Treatment reviews One to one case management from diagnosis to recovery

Fraud management Case reviews Reasonable and customary Training Applying your terms


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Key Topics


Covering all the specific needs

depending on the personal

situation of the expats

Global Healthcare

Benefits

Global Protection

Benefits

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A solution for companies with international exposure sending expats abroad :

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… covering all the specific needs depending on the personal situation of the expats


YOUNG ADULT 20 / 35

COUPLE 30 / 45

FAMILY 35 / 50

SENIOR 50 / 65

Accidental temporary loss of autonomy

Loss of income linked to an accident

Beeing protected in case of accident with

High standard services and ensure the same

level of incomes during that time

Accidental temporary or permanent loss of

autonomy

Loss of income

Beeing protected in case of accident and

secure the standard of living, ongoing project,

loan…

temporary or permanent loss of autonomy in case

of accident or illness

Loss of income

Beeing able to protect my family whetever are the life challenges we

are going through (Services, maintain the standard of living, keep

supporting the on going family projects, children, education…)

temporary or permanent loss of autonomy in case

of accident or illness

Loss of income

Beeing protected in case of accident or

illness and ensure the right support to my relatives if they need

me

MA

IN

RIS

K

IMPA

CT

O

BJEC

TIV

ES O

F T

HEI

R

INT

ERN

AT

ION

AL

PRO

TEC

TIO

N C

OV

ER

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A solution designed for companies with international exposure sending expats abroad :

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The protection offer developed to meet the corporate clients expectations…


Travel insurance Centralised worldwide

expertise for their expats

Personalised service

1 dedicated account manager Higher free cover limit for their employees to limit medical selection Simple and high quality reporting Clear and fully digital processes (E beneficiary, Secure email DMS)

Combined offer The best in class service provider to protect their employees and families Help to manage a global expat plans (Understandable reports)

Benefits summary easy to understand Clear terms and conditions A simple handbook to give our insureds all details about their protection product

Fully integrated solution

EASY TO UNDERSTAND OFFER

CUSTOMER CENTRICITY

AXA : # 1 insurance brand

HR cost & time saving

The HR team can be focused on added value tasks (with the simplification of the HR activity / digital tools) A common onboarding process available : combined offer) 1 aligned health and protection, plan for all employees

A tailor made offer Select the level of the benefits depending on the company’s needs

Flexibility


LIFE INSURANCE DISABILITY AND

INCOME PROTECTION

BENEFIT UPGRADES

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MATERNITY ALLOWANCE

FUNERAL EXPENSES

SECURITY EVAC/REPAT

EAP

BACK TO WORK

Daily allowance for maternity leave

Cover in case of death of employee

ADDITIONAL SERVICE

OFFERINGS

Protection for your employees’ (“insured member”) family in case of death.

Lump sum payable in case of death due to illness or accident

Benefits in case of accidental death

Lump sum benefit in case of spouse’s death simultaneously or within the next 12 months of the employee’s death

Surviving spouse’s annuity*

Educational allowance for dependent children*

Protection against your employees’ loss of income due to a short to long term disability.

Benefits paid if employee must stop working temporarily or permanently due to illness or accident.

For short term disability leave: Salary loss compensation is paid for a period of time specified by HR. Waiting period applies.

For long-term disability*: Employee receives annuities

Lump sum payable in case of total and permanent disability*

Waiver of Premium

STEP 1 SELECT CORE COVER STEP 2 STEP 3 STEP 4

OPTIONAL BENEFITS

OPTIONAL BENEFITS

REPAT OF MORTAL REMAINS

ONLINE SECURITY ALERTS

FOR PROTECTION ONLY SALES

TRAVEL COVER


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TM Protection Product Features for the combined offer & Pure ¨Protection

(AXA FR: first insurer for Protection / AXA PPPI : First insurer for Health)


Thank you for your attention! Key Topics We Discussed:


Covering all the specific needs

depending on the personal

situation of the expats

Global Healthcare

Benefits

Global Protection

Benefits

18

The case for Global Mobile Solutions &

Trends

Global services that protect their people

locally


Please remember to complete this panel’s

survey


www.axapppinternational.com

Contact Info

Andrew Nicol Head of Strategic Partnerships

+44(0)7974 832596 [email protected]

AXA Global Protect

country panel presentation: international mobile …...country panel presentation: international...

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