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Award Winner Andrew Bard from HCC Insurance Holdings

For the past nine years, Andrew Bard has been involved in the global benefits industry. During that time, he has learned the tricks of the trade and now, as the vice president of sales and marketing for HCC Insurance Holdings, he has shared some explanations and tips.

It takes a whole team of people in each company to keep up with the ever-changing landscape of overseas operation, Bard said.

Legislation is constantly being amended, so it is important to keep up-to-date on the latest alterations affecting American-based insurers and insurers that provide any United States benefits.

Bard said the biggest challenge facing the industry is the reoccurring changes to the Patient Protection and Affordable Care Act, which was enacted into legislation by President Barack Obama in 2010.

The act reformed various aspects of the private and public health insurance realms, increased insurance coverage of pre-existing conditions, expanded access to insurance and increased projected national medical spending while decreasing Medicare spending.

Although the law primarily affects American insurance companies, Bard believes it will have an extending effect on any insurance company with U.S. operations.

“As a consequence, over the next couple of years, you may see a constriction of insurance carriers that provide benefits for expatriates and foreign nationals,” he said. “Certainly, you will see the U.S.-based companies changing benefits, limits, etc.”

He said the key to building a successful partnership with clients is offering excellent service at a low cost. This is the mantra for his company, HCC Insurance Holdings. He said service is the number one driver behind customer satisfaction, followed by cost.

Bard provided some tips for implementing a successful global benefits plan:

Find a trustworthy and competent insurance broker with global experience

Stay involved in the process! Do not let the broker make all the decisions

Understand, in detail, the benefit plan you are buying

Always ask for references from both the broker and the insurance carrier

http://www.medicaltourismmag.com/article/award-winner-andrew-bard-from-hcc-insurance-holdings.html

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The question and description often arises in terms of medical insurance and medical insurance coverage of “pre-existing illness”.

Specifically medical insurance coverage may not cover or include “pre-existing illnesses or pre-existing conditions”.  What does this mean and what are the implications as well – both to you, your family and loved ones – and as well to your abilities to be insured and as well covered for treatment by your medical insurance plan ?

In a nutshell what this means is that if you had the illness previously – or even if was suggested in a medical diagnosis and you did not disclose or detail this on your submission and application for medical benefits coverage – then the insurance company has every right not to provide coverage.  It is the patient’s and insured policy holder’s responsibility not the insurance company.

It is a similar case and situation to a person who has a heart condition – wishes and plans a trip for a wedding to Baltimore in the US – and proceeds either to not tell or disclose her pre-existing heart disease – having had a history of cardiac trouble with documented heart attacks and treatment by a recognized cardiologist .  That person, patient , may of gotten away taking  the chance before and simply thinks that “they will get away with it again”  – that the chance of a cardiac attack or cardiac illness returning or being an issue or problem on a simple family wedding trip are slight if not unlikely.  Most likely – they “got  away”  with it before – its a simple chance of low probability.   Its all worth the risk.

The problem is that the insurer in this case ( the travel medical insurance coverage) , can easily dispute the claim – based on the well documented fact – with background medical documentation and records , that the illness – in this case – documented cardiac illness – had occured previous to purchasing the policy.  The claim can simply and legally correctly be denied.  The insured will be out of pocket themselves.  No amount of protestations  or twisting of facts will change the case and situation.  It is a simple as that.  It is the responsibility of the insured to disclose the facts – not the responsibility of the company to discover hidden or undisclosed facts and medical history and histories.  Clerks and agents cannot be held liabile as well.  On making and completing the insurance coverage application for the policy itself and requests for benefts and coverage various legal forms are signed by the applicant.  It is the responsibility of the applicant for medical insurance coverage to disclose all. Simple as that.  Otherwise the insurance company can deny claims.  Simple as that.  On top of that an insurance company that has been provided false , misleading or fraudulent information – has the responsibility to file this information to its industry sources – alerting the industry  of this history – making it more difficult if not more expensive and maybe not possible for the insured to obtain medical insurance coverage from other insurance carriers.

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Medical Tourism Blog: BUPA Insurance for Medical Tourists – Lastly, this is an informative blog, and we are dedicated to bring you the latest news and developments and expert opinion regarding medical tourism. We are not in any way affiliated with BUPA, BUPA International or any of their subsidiaries or … Perhaps you can also speak to CIGNA and Aetna for more info about coverage for overseas treatment. They are players in the international scene. If you;d like, you can email me re; med travel and insurance issues etc…. cheers! …

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