A universe of organisms living inside you may affect every part of your body, from your brain to your bones, and even your thoughts, feelings and your attempts to lose weight.

Swiss Re 2017 Group Watch – and now for the bad news! Why is it that insurers are never happy? An additional 4.5% increase in employees covered and 3.8% increase in premiums means that at the end of 2016 we insured 12,029,790 people and £2.106bn in premiums.

Global Benefits Vision: Looking at the concept of multinational pooling, which has been around for about five decades, what has changed over the decades, and what has changed recently, in terms of insurance markets and the way multinationals manage benefits and ultimately utilize the concept of pooling?

There is increasing international emphasis on patient-centered care at all levels of health services. This shift recognizes that it is the patient, not the doctor, who should drive health care decisions. Patient-centered care involves acknowledging that each patient is unique and health care decisions should be guided by individual needs, values, and preferences (Table).