{"id":690,"date":"2017-01-03T17:57:30","date_gmt":"2017-01-03T09:57:30","guid":{"rendered":"http:\/\/www.pacificprime.hk\/blog\/?p=690"},"modified":"2018-02-21T16:58:06","modified_gmt":"2018-02-21T08:58:06","slug":"new-report-focusing-medical-insurance-inflation-released","status":"publish","type":"post","link":"https:\/\/www.pacificprime.hk\/blog\/new-report-focusing-medical-insurance-inflation-released\/","title":{"rendered":"New report focusing on medical insurance inflation released"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">2017 is finally here, and to help usher in the new year in style, Pacific Prime is pleased to announce that we have released our latest report. Titled: <\/span><i><span style=\"font-weight: 400;\">International Private Medical Insurance Inflation &#8211; 2017<\/span><\/i><span style=\"font-weight: 400;\"> and available to download for FREE from our <\/span><a href=\"https:\/\/www.pacificprime.com\/ipmi-2017\/download\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">website<\/span><\/a><span style=\"font-weight: 400;\">, this report focuses on, as the title suggests, inflation of private medical insurance premiums. \u00a0<\/span><\/p>\n<p><!--more--><\/p>\n<h2><span style=\"font-weight: 400;\">About the IPMI Inflation report<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">International Private Medical Insurance (IPMI) is one of the fastest growing sectors of the health insurance market. All IPMI plans offer international coverage which makes them ideal for not only expats but also high net worth individuals looking to ensure that they will be able to secure the <a href=\"https:\/\/www.pacificprime.hk\/health-insurance-plans\/individual\/\">best health care<\/a> from the world&#8217;s top private hospitals.<\/span><\/p>\n<style type=\"text\/css\"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--><\/style>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:573,&quot;3&quot;:[null,0],&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;12&quot;:0}\"><div class='code-block code-block-5' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.hk\/compare-quotes\/step-one\/?campSource=PPHK-Blog&utm_source=blog&utm_medium=content_banner&utm_campaign=Blog_Banner&utm_content=general\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-1283\" src=\"https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2022\/12\/WP-Banner-revamp-final-20221207_5.-General-final.jpg?resize=700%2C303&#038;ssl=1\" alt=\"General insurance banner\" width=\"700\" height=\"303\" data-recalc-dims=\"1\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Due to their international nature and the seemingly ever increasing cost of healthcare around the world, it is not uncommon to see IPMI plans, which already have moderate to high premiums, with considerable yearly premium jumps. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">In an effort to help shed some light on premium inflation, Pacific Prime launched their first report on IPMI inflation in 2015. Now, we have released our latest version which focuses on IPMI inflation seen between the years 2009 and 2016. This report features four sections: <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Average IPMI inflation in 2016.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">A ranking of the 8 insurers by average inflation in 2016 and over the past 5 years.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Major drivers behind IPMI premiums in 2016 and beyond. <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">A regional overview of IPMI inflation in 10 key regions around the world.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">As with the previous report, we have made our findings available in two different formats: <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">A downloadable PDF &#8211; Available as a free download <\/span><a href=\"https:\/\/www.pacificprime.com\/ipmi-2017\/download\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\">. \u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">An interactive and mobile optimized website &#8211; This <\/span><a href=\"https:\/\/www.pacificprime.com\/ipmi-2017\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">site<\/span><\/a><span style=\"font-weight: 400;\"> presents the same information as the PDF but with interactive graphs and charts. <\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">Key findings highlighted in the report<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Within the four major sections, we have discussed and identified a number of key findings that have certainly had an impact on IPMI inflation on a regional and worldwide level. <\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">The average IPMI inflation in 2016<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">As mentioned above, the report features premiums from 8 international health insurance providers who all offer plans in the 10 regions that are important for IPMI. By taking the average of these plans we found that in 2016 the average inflation of IPMI plans was 9.2%. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">This was somewhat interesting to us, primarily because it is exactly the same as the average inflation seen in the last report. The reasons as to why this inflation figure did not increase year-on-year is discussed throughout the report including in the Inflation Drivers section (more on that below). <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Another interesting finding is that when you compare the IPMI inflation in 2016 with the Global Consumer Price Inflation average of the 10 locations included, it appears that our trend identified in the last report: That IPMI inflation usually is around 5 percentage points higher than the Consumer Price increases held true in 2016. <\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"font-weight: 400;\">Insurers included in the report and their ranking<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">There were a number of changes in 2016 when it comes to insurers, and as such we have updated the list of insurers included in the report to reflect them. The insurers we have included are: \u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Aetna International<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Aetna International <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Allianz Worldwide Care <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.pacificprime.hk\/insurers\/axa-ppp\/\">AXA PPP<\/a> Healthcare <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Bupa Global <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Cigna Global <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">William Russell <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">IntegraGlobal <\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">When comparing the premiums from the above insurers we found that in 2016 the insurer with the lowest average increase was Allianz Worldwide Care with an average of 3.86%. The next three insurers were: <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">William Russell \u2014 6.17%<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Bupa Global \u2014 7.00%<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">AXA PPP Healthcare \u2014 7.17%<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">We have also included a ranking of the insurers with the lowest 5 year average inflation. The one issue here is that because some of the insurers are newly included in the report, or their plans are newly launched in 2016, we don&#8217;t have five years worth of data. Regardless, the three insurers with the lowest 5 year average inflation are: <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Aetna International &#8211; (InterGlobal) \u2014 5.29%<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Allianz Worldwide Care \u2014 6.66%<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">William Russell \u2014 7.53%<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Inflation drivers<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">In the last report, we identified four major drivers behind IPMI inflation. For 2016 and even in the years to come, we fully believe that these four drivers will retain their influence on premium inflation. That said, there were three trends that emerged in 2016 that had an impact on inflation: <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>Global economic uncertainty &#8211;<\/b><span style=\"font-weight: 400;\"> 2016 saw a number of economies fluctuate, shrink, and generally tumultuous times leading to global economic uncertainty. It is highly likely that this resulted in a bit of a damper on inflation. <\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Changing population dynamics &#8211;<\/b><span style=\"font-weight: 400;\"> Many locations in the report have seen a change in the population demanding IPMI coverage. In some areas, expat numbers have been shrinking with demand being picked up by local\/regional high net worth individuals. <\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Potential increases to efficiency brought about via technology and big data &#8211; <\/b><span style=\"font-weight: 400;\">Technology is playing an increasingly important role in insurance allowing insurers to better manage inflation. <\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Regional inflation <\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The report combines the 10 locations into three regions: South East Asia, Middle East, and the Rest of the World. As one of the most popular destinations for expats, Hong Kong is indeed included in this report. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">In 2016, the average IMPI inflation was recorded at 12.1%, considerably higher than the global average. What is fueling this increase? Well, aside from the global drivers there are two local drivers identified as well. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Check out our FREE IPMI report on our website <\/span><a href=\"https:\/\/www.pacificprime.com\/ipmi-2017\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\"> to learn more about these drivers.<\/span><\/p>\n<style type=\"text\/css\"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--><\/style>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:573,&quot;3&quot;:[null,0],&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;12&quot;:0}\"><div class='code-block code-block-6' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.hk\/compare-quotes\/step-one\/?campSource=PPHK-Blog&utm_source=blog&utm_medium=cta_banner&utm_campaign=Blog_Banner&utm_content=quote\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-1279\" src=\"https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2019\/06\/HK-BANNER-Couple.jpg?resize=700%2C303&#038;ssl=1\" alt=\"Get a quote banner\" width=\"700\" height=\"303\" data-recalc-dims=\"1\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>2017 is finally here, and to help usher in the new year in style, Pacific Prime is pleased to announce that we have released our latest report. Titled: International Private Medical Insurance Inflation &#8211; 2017 and available to download for FREE from our website, this report focuses on, as the title suggests, inflation of private &#8230;<\/p>\n","protected":false},"author":7,"featured_media":691,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":true,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"Check out our latest FREE report on private medical insurance inflation","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2},"_links_to":"","_links_to_target":""},"categories":[131],"tags":[790,791,81,357,356,355,80],"class_list":["post-690","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-ban_gen","tag-cta_gen","tag-health-insurance-inflation","tag-health-insurance-inflation-in-hong-kong","tag-insurance-inflation","tag-ipmi","tag-ipmi-inflation"],"jetpack_publicize_connections":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>New report focusing on medical insurance inflation released - Pacific Prime Hong Kong&#039;s Blog<\/title>\n<meta name=\"description\" content=\"Pacific Prime has released the International Private Medical Inflation - 2017 report, focusing on medical insurance inflation. Download for FREE today.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pacificprime.hk\/blog\/new-report-focusing-medical-insurance-inflation-released\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"New report focusing on medical insurance inflation released - Pacific Prime Hong Kong&#039;s Blog\" \/>\n<meta property=\"og:description\" content=\"Pacific Prime has released the International Private Medical Inflation - 2017 report, focusing on medical insurance inflation. Download for FREE today.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pacificprime.hk\/blog\/new-report-focusing-medical-insurance-inflation-released\/\" \/>\n<meta property=\"og:site_name\" content=\"Pacific Prime Hong Kong&#039;s Blog\" \/>\n<meta property=\"article:published_time\" content=\"2017-01-03T09:57:30+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-02-21T08:58:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2017\/01\/PPCOM_Jan3_Blog.jpg?fit=600%2C300&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"300\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jess Lindeman\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jess Lindeman\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"New report focusing on medical insurance inflation released - Pacific Prime Hong Kong&#039;s Blog","description":"Pacific Prime has released the International Private Medical Inflation - 2017 report, focusing on medical insurance inflation. Download for FREE today.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.pacificprime.hk\/blog\/new-report-focusing-medical-insurance-inflation-released\/","og_locale":"en_US","og_type":"article","og_title":"New report focusing on medical insurance inflation released - Pacific Prime Hong Kong&#039;s Blog","og_description":"Pacific Prime has released the International Private Medical Inflation - 2017 report, focusing on medical insurance inflation. Download for FREE today.","og_url":"https:\/\/www.pacificprime.hk\/blog\/new-report-focusing-medical-insurance-inflation-released\/","og_site_name":"Pacific Prime Hong Kong&#039;s Blog","article_published_time":"2017-01-03T09:57:30+00:00","article_modified_time":"2018-02-21T08:58:06+00:00","og_image":[{"width":600,"height":300,"url":"https:\/\/i1.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2017\/01\/PPCOM_Jan3_Blog.jpg?fit=600%2C300&ssl=1","type":"image\/jpeg"}],"author":"Jess Lindeman","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Jess Lindeman","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.pacificprime.hk\/blog\/new-report-focusing-medical-insurance-inflation-released\/","url":"https:\/\/www.pacificprime.hk\/blog\/new-report-focusing-medical-insurance-inflation-released\/","name":"New report focusing on medical insurance inflation released - Pacific Prime Hong Kong&#039;s Blog","isPartOf":{"@id":"https:\/\/www.pacificprime.hk\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.pacificprime.hk\/blog\/new-report-focusing-medical-insurance-inflation-released\/#primaryimage"},"image":{"@id":"https:\/\/www.pacificprime.hk\/blog\/new-report-focusing-medical-insurance-inflation-released\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2017\/01\/PPCOM_Jan3_Blog.jpg?fit=600%2C300&ssl=1","datePublished":"2017-01-03T09:57:30+00:00","dateModified":"2018-02-21T08:58:06+00:00","author":{"@id":"https:\/\/www.pacificprime.hk\/blog\/#\/schema\/person\/14ec293593befaf73584f970458b6718"},"description":"Pacific Prime has released the International Private Medical Inflation - 2017 report, focusing on medical insurance inflation. Download for FREE today.","breadcrumb":{"@id":"https:\/\/www.pacificprime.hk\/blog\/new-report-focusing-medical-insurance-inflation-released\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.pacificprime.hk\/blog\/new-report-focusing-medical-insurance-inflation-released\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.pacificprime.hk\/blog\/new-report-focusing-medical-insurance-inflation-released\/#primaryimage","url":"https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2017\/01\/PPCOM_Jan3_Blog.jpg?fit=600%2C300&ssl=1","contentUrl":"https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2017\/01\/PPCOM_Jan3_Blog.jpg?fit=600%2C300&ssl=1","width":600,"height":300,"caption":"Cover of the IPMI report"},{"@type":"BreadcrumbList","@id":"https:\/\/www.pacificprime.hk\/blog\/new-report-focusing-medical-insurance-inflation-released\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.pacificprime.hk\/blog\/"},{"@type":"ListItem","position":2,"name":"New report focusing on medical insurance inflation released"}]},{"@type":"WebSite","@id":"https:\/\/www.pacificprime.hk\/blog\/#website","url":"https:\/\/www.pacificprime.hk\/blog\/","name":"Pacific Prime Hong Kong&#039;s Blog","description":"Top articles covering International Health Insurance in Hong Kong and beyond","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.pacificprime.hk\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.pacificprime.hk\/blog\/#\/schema\/person\/14ec293593befaf73584f970458b6718","name":"Jess Lindeman","description":"Jessica Lindeman is a Content Strategist at Pacific Prime. She comes to work every day living and breathing the motto of \"simplifying insurance\", and injects her unbridled enthusiasm for health and insurance related topics into every article and piece of content she creates for Pacific Prime. When she's not typing away on her keyboard, she's reading poetry, fueling her insatiable wanderlust, getting her coffee fix, and perpetually browsing animal Instagram accounts.","url":"https:\/\/www.pacificprime.hk\/blog\/author\/jess\/"}]}},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2017\/01\/PPCOM_Jan3_Blog.jpg?fit=600%2C300&ssl=1","jetpack_sharing_enabled":true,"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.pacificprime.hk\/blog\/wp-json\/wp\/v2\/posts\/690"}],"collection":[{"href":"https:\/\/www.pacificprime.hk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.pacificprime.hk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.pacificprime.hk\/blog\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pacificprime.hk\/blog\/wp-json\/wp\/v2\/comments?post=690"}],"version-history":[{"count":5,"href":"https:\/\/www.pacificprime.hk\/blog\/wp-json\/wp\/v2\/posts\/690\/revisions"}],"predecessor-version":[{"id":1383,"href":"https:\/\/www.pacificprime.hk\/blog\/wp-json\/wp\/v2\/posts\/690\/revisions\/1383"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pacificprime.hk\/blog\/wp-json\/wp\/v2\/media\/691"}],"wp:attachment":[{"href":"https:\/\/www.pacificprime.hk\/blog\/wp-json\/wp\/v2\/media?parent=690"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pacificprime.hk\/blog\/wp-json\/wp\/v2\/categories?post=690"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pacificprime.hk\/blog\/wp-json\/wp\/v2\/tags?post=690"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}