Global Health Insurance Trends and Consumer Insights
Baltic States Witness Surge in Health Insurance Plans
11 Nov 2025
In the Baltics, private health insurance is rising as consumers seek faster access to specialists, employers include medical cover to attract talent, and people want financial protection against rising medical costs. This trend highlights the importance of choosing health plans that are practical, transparent, and easy to use, with features like cashless hospitalisation, OPD cover, day-care procedures, and digital claim support. Indian buyers can learn from this by mapping real-world healthcare needs, reading policy fine print, selecting the right sum insured, and prioritizing service quality over price. Family floaters may suit healthy members, while individual plans are better for older parents or pre-existing conditions. Ultimately, the focus should be on usability, comprehensive coverage, and smooth claim experiences rather than just premiums.
VUSO Insurance integrates the lilo digital service: health insurance clients receive a digital assistant and a personal doctor
11 Nov 2025
VUSO Insurance has partnered with the digital health platform lilo to offer a fully “no-call” service, allowing clients to book visits, receive test referrals, access results, and schedule checkups directly through a digital assistant and personal doctor. The integration provides real-time access to medical history, visit calendars, and lab results, eliminating call centers and manual coordination. New users undergo an initial check-up, after which the system and doctor create a personalized monitoring and preventive care plan, supported by the Dobrobut clinic network. For corporate clients, each employee is assigned a dedicated doctor to coordinate care, reduce downtime, and track medical costs. The partnership aims to attract 200,000–300,000 new users over five to six years while promoting digitalized, preventive, and personalized healthcare in Ukraine.
Health Insurer Stocks Slide on President Trump’s Call to Change ACA Payments
10 Nov 2025
Shares of major health insurers, including Centene, Molina Healthcare, and HCA, dropped sharply after former President Donald Trump suggested that federal health care subsidies under the Affordable Care Act (ACA) should go directly to individuals instead of insurers. Trump criticized insurance companies as “money sucking” and proposed redirecting funds so Americans could buy their own coverage, potentially leaving money left over. The Committee for a Responsible Federal Budget estimated that ACA subsidies to insurers cost $138 billion in 2025, up from $53 billion in 2020. The announcement rattled investors, causing declines across other major insurers such as UnitedHealth Group and Cigna. This proposal, if pursued, could significantly alter how the ACA marketplace operates.
New Survey Reveals Brits Think Declaring Medical Conditions is Optional
10 Nov 2025
Millions of UK travellers may be uninsured because they fail to declare medical conditions when buying travel insurance. Research from Go.Compare found that while 30% of adults have a medical condition, less than half always declare it, and 25% wrongly believe no disclosure is needed. Commonly undeclared treatments include weight loss injections, ADHD medication, and menopause therapies. Some skip declarations due to cost concerns, uncertainty, or difficulty finding their condition on insurer lists. Experts stress that all pre-existing conditions, ongoing treatments, recent surgeries, and mental health issues must be disclosed to ensure coverage.
