Insurance Business ReviewJULY 20256Copyright © 2025 ValleyMedia, Inc. All rights reserved. Reproduction in whole or part of any text, photography or illustrations without written permission from the publisher is prohibited. The publisher assumes no responsibility for unsolicited manuscripts, photographs or illustrations. Views and opinions expressed in this publication are not necessarily those of the magazine and accordingly, no liability is assumed by the publisher thereof.Managing EditorRaven Mcguire*Some of the Insights are based on the interviews with respective CIOs and CXOs to our editorial staffEditorial StaffAaron Pierce Ava GarciaAlex D'Souza Abhinov PunnakkalJoshua ParkerSarah FernandesEditorialRaven McguireManaging Editoreditor@insurancebusinessreview.comAcross Europe, expectations around health insurance have evolved. It's no longer just about coverage and provider networks. People now value clarity, responsiveness, and the assurance that their care is handled with personal attention, not automation. In 2025, this shift is driving meaningful progress, and the health insurance experience is becoming more in tune with real-world needs. This progress hasn't come from radical overhauls or complex systems, but through simplification. Filing a claim no longer feels like navigating a maze. Accessing support now takes less time and fewer steps. Plans are written in plain language, not dense technical jargon. Whether managing a chronic condition or scheduling a routine appointment abroad, the process is now smoother and more consistent. Less friction, fewer delays, and a greater sense of control are redefining how people engage with their health coverage. Digital tools, such as virtual consultations, wellness tracking, and claims management, are now standard across many services, but they are being integrated thoughtfully. These features support access without overwhelming it, making it easier to stay informed, connected and cared for, without removing the human element that matters most.There is also a growing focus on prevention. Mental health and wellness are no longer sidelined. Support now spans the full spectrum of care, from everyday needs to urgent situations, with an emphasis on helping people stay well, not just stepping in when things go wrong. Across the continent, a quieter, more consistent kind of progress is taking hold. Health insurance is becoming more personal, more intuitive, and better aligned with how people live today. In a space once defined by complexity, this shift is reshaping expectations and rebuilding trust. When care moves to the centre, the system begins to function the way it should have all along.In this edition, we spotlight KLforExpats for its role in supporting accessible healthcare, and feature perspectives from Dr. Peter Quell, Head of Portfolio Analytics for Market and Credit Risk at DZ BANK AG, and Arnaud Bergauzy, Group Insurance Director at Groupe VIVESCIA, who share valuable insight into the evolving dynamics of health insurance and risk management across Europe. We hope that the valuable insights from industry leaders featured in this edition will help you make informed decisions for your business.Let us know your thoughts!The End of Complicated Health InsuranceVisualizersMichael WayneVictor CruzJULY 2025, Vol 04 Issue 07 (ISSN 2837-1763) Published by ValleyMedia, Inc. To subscribe to Insurance Business ReviewVisit www.insurancebusinessreview.com Email:sales@insurancebusinessreview.comeditor@insurancebusinessreview.commarketing@insurancebusinessreview.comEUROPE
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