IPMI
Perspectives for the international private medical insurance market: loss ratios, medical inflation, claims and the assistance model that sits behind them.
Hospitalised abroad: who actually pays, and when
A member is admitted overseas and the clinical picture is only half the problem. Here is how a foreign hospital bill actually gets settled, and why the guarantee of payment decides more of the case than anything that follows it.
Cost containment for IPMI: why network discounts alone no longer hold
Network discounts flatten out. The durable savings in international private medical insurance come from challenging medical necessity and treatment pathways, clinically.
When 10% isn't the whole story: medical inflation and the IPMI loss ratio
Global medical inflation is running close to double digits and loss ratios are under real pressure. Premium rises alone won't fix that. The lever insurers underuse is clinical challenge of medical necessity, not just network discounts.
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