25 Years — Leadership Reflections with CFO Ralph Patino
🥂 After 25 years, one principle still guides how we operate. Our CFO shares his perspective on leadership, service, and the values that have shaped MDabroad. Because in global healthcare, doing things the right way still matters.
IPMI Under Pressure in 2026: What Carriers and Employers Need to Address Now
The global IPMI market hit $38.8B in 2024 — colliding with 10.7% medical inflation, a 164% chargemaster markup gap, and 45–60 day claims cycles. The Middle East crisis this week is a live test of what those structural gaps look like in practice.
Global Medical Trend Rate Hits 10.7% — First Double-Digit Year on Record
WTW's 2024 Global Medical Trends Survey shows medical cost inflation hit 10.7% in 2023, up from 7.4% the prior year — the first time global medical trend has broken double digits. IPMI programs are feeling this disproportionately for U.S.-routed cases.
Patient Brokering: A Dangerous Ethical Issue in International Healthcare
Patient brokering — directing patients to specific facilities in exchange for referral fees — remains one of the most underreported ethical risks in international healthcare. What payors and assistance companies need to know to protect their members.
IPMI Providers Forecast ~10% Annual Premium Increases for Next Three Years
At the H&P House of Lords roundtable, IPMI market participants signalled sustained premium pressure ahead. "A domestic scheme is in the tens of thousands. An international scheme runs into hundreds of thousands — 10% on that soon adds up."
USD Devaluation in 2025: Critical Insights for Travel Insurers Worldwide
A weakening dollar reshapes the economics of international medical claims. What travel insurers and IPMI carriers need to model for their 2025 programs — and which markets feel the impact most acutely.