Trusted by over 1.2 Million Global Healthcare Seekers
Accreditation & Certification

Award Winner Andrew Bard from HCC Insurance Holdings

Accreditation & Certification

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
Learn about how you can become a Certified Medical Tourism Professional→
Disclaimer: The content provided in Medical Tourism Magazine ( is for informational purposes only and should not be considered as a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition. We do not endorse or recommend any specific healthcare providers, facilities, treatments, or procedures mentioned in our articles. The views and opinions expressed by authors, contributors, or advertisers within the magazine are their own and do not necessarily reflect the views of our company. While we strive to provide accurate and up-to-date information, We make no representations or warranties of any kind, express or implied, regarding the completeness, accuracy, reliability, suitability, or availability of the information contained in Medical Tourism Magazine ( or the linked websites. Any reliance you place on such information is strictly at your own risk. We strongly advise readers to conduct their own research and consult with healthcare professionals before making any decisions related to medical tourism, healthcare providers, or medical procedures.
Free Webinar: Building Trust, Driving Growth: A Success Story in Medical Travel Through Exceptional Patient Experiences