As workforces become more mobile and overseas postings more common, organisations must adapt to their employees’ changing health and well-being needs, says Erik Gyllenhammer, regional director, Asia Pacific, global benefits.

But international health insurance plans are not without their associated perils and pitfalls. For many organisations, the ability to deliver a single, universal programme with a consistent, harmonised cover across multiple territories, under a single provider, is a perennial challenge. Often, companies face significant obstacles relating to operating across multiple jurisdictions with differing legal and regulatory requirements, understanding a broad spectrum of exposures among a vast and diverse workforce, as well as balancing out potentially competing objectives of cost management and talent management.

Through its Aon Pulse platform, Aon Asia Expat Centre of Excellence recently assisted a multinational Malaysian client in overcoming these challenges giving measurable results in healthcare planning, cost containment, service accountability and risk mitigation. The Aon Asia Healthcare Trends 2017/18 report shows Malaysia ranked second for rate of inflation among surveyed markets in the region. This was attributed to increased demand for healthcare services among affluent consumers, higher incidence of chronic and lifestyle diseases, advances in medical technology and increased cost of drugs and treatments. It is with this in mind that Aon set about designing a best-in-class bespoke solution that brought the full breadth of Aon’s capabilities to bear:

  • Influencing health behaviours
  • Optimising plan design
  • Maximising provider efficacy
  • Managing high-risk participants

The data-driven approach enabled all parties to confidently make strategic decisions based on actionable insights that addressed the root problems and real cost drivers. This targeted methodology culminated in a holistic and integrated global health insurance and benefi ts programme for the clients’ international assignees and dependents that optimised medical costs without compromising on the quality of the arrangement and cover.

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