Telehealth: Practical Uses Within Existing Global Cost Management Strategies

In this iPMI Global In Focus Insurtech Article, leading cost containment firm, New Frontier Group explores the role of telemedicine as part of global cost containment strategies.

In recent years, telehealth has undergone a significant transformation—from a convenience-driven mode of care to a vital component of strategic cost management in global healthcare. For international travellers, expatriates, and members of international private medical insurance (iPMI) plans, telehealth is now being deployed not as a standalone service, but as an integrated, purpose-driven tool that supports better outcomes while reducing unnecessary costs.

From Episodic Care to a Proactive Strategy

Originally, telehealth filled a gap. It served as an alternative when in-person care wasn’t accessible, providing urgent consults and basic triage for patients on the move or in remote areas. But its rapid adoption during the COVID-19 pandemic—and the subsequent evolution of digital health infrastructure—pushed the service into the mainstream. Today, it plays a central role in comprehensive care delivery strategies, especially for populations navigating foreign healthcare systems. This shift reflects a broader movement in global healthcare: aligning care access with cost containment. Telehealth has emerged as a bridge—connecting patients to timely, appropriate care while helping insurers and employers avoid unnecessary claims and delays.

Strategically deployed, telehealth can reduce high-cost utilization by:

Avoiding Emergency Department Visits: Many minor conditions or early symptoms can be addressed virtually, avoiding ER visits and inpatient admissions.

Expanding Second Surgical Opinions: Many scheduled surgeries and iPMI members often request a second surgical opinion. It is a good indicator to ensure quality of care and potentially optional approaches to treatment that could have better outcomes and lower costs.

Enhancing Early Intervention: Telehealth facilitates quicker diagnosis and treatment initiation—especially for chronic conditions that, if unmanaged, can lead to complex claims.

Supporting Ongoing Care Abroad: Expatriates and long-term travellers benefit from continuity of care, particularly for mental health. Follow up care after an acute case or emergency case or planned surgery follow ups and chronic disease management.

Reducing Fragmentation: Virtual consultations can guide patients to preferred providers and services with a record of specialized treatment in the area of care needed, streamlining the care journey and claim process.

The key to success is intentional design. Below are a few real-world examples that highlight various deployment methods:

• A traveller in a remote area avoided a costly medical evacuation thanks to a rapid virtual consult and triage that was able to resolve the issue locally.
• An iPMI member desires a second surgical opinion to determine what the best options of treatment best meet their needs.
• An expat with a chronic condition used routine virtual check-ins to stay stable, avoiding hospitalization.
• A global workforce or. student population outside of their home country is offered mental health support via telehealth, reducing absenteeism and boosting satisfaction.

In each case, telehealth was not offered as a generic provider access solution—it was tailored to meet the needs of specific populations and challenges. Embed with Intention Telehealth’s success depends on how well it’s embedded into existing global cost management ecosystems.

This includes:

• Clinical triage protocols and referral pathways
• Seamless integration with case management, claims, and care navigation tools
• Multilingual and culturally competent support
• Ongoing clinical oversight and governance

More importantly, it requires alignment with broader organizational goals—be it cost savings, patient satisfaction, or better health outcomes.

To prove telehealth’s value, data must drive the discussion. Key areas to track to determine the most useful way to deploy telehealth include:

• Reductions in ER visits and high-cost claims
• Patient satisfaction and Net Promoter Scores (NPS)
• Clinical outcomes over time (especially for follow up care, chronic care or behavioral health)
• Comparative utilization and claim trends across different geographies

Telehealth shouldn’t be static. With regular review of utilization patterns, member feedback, and provider outcomes, organizations can continuously refine how and when telehealth is deployed. The real impact comes when it’s thoughtfully embedded into a broader cost containment strategy. For globally mobile populations, it offers convenience, consistency, and control. For insurers and employers, it presents a measurable way to reduce costs without sacrificing care quality.

As telehealth continues to evolve, so should our approach to using it—anchored in data, aligned with strategy, and designed for the real-world needs of international populations.