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Risk Outlook 2022

Assessment of the global landscape with top risks to


watch for the year ahead

Risk Outlook 2022 © Healix International 1


Introduction to Risk Outlook
Since 2018, Healix has shared its annual Risk Outlook and Risk Map, providing an expert forecast of
the changing global risk landscape.

Each year we help our clients navigate a complex operating environment by predicting the likely major
themes and flashpoint areas for key travel risks around the world. Businesses can make appropriate
plans to protect their people, assets and operations that could be adversely affected when they know
what to expect.

Last year, while COVID-19 dominated focus, we emphasised the increasing frequency of extreme
weather events as an ever-worrying trend, together with supply chain disruption and cyber risks putting
operations under pressure. This year, while we expect these risks to remain, we warn of the next
pandemic, reflecting on lessons learnt from COVID-19. Concerns around economic recovery and civil
unrest as a result of the pandemic come to the fore, while the climate crisis poses new challenges to
organisations needing to meet regulatory requirements, and reduce carbon footprint to gain a
competitive advantage.

Meet the authors

Chris Job MBE Dr Adrian Hyzler Eilidh Thomson Andrew Devereux


Director Risk Chief Medical Officer Regional Security Associate Analyst
Management Manager

Samuel Game Marnix Van Gelderen Ben Abboudi Raquel Recuero


Associate Analyst Associate Consultant Associate Consultant Sr. Regional Security
Crisis & Risk Crisis & Risk Coordinator

Risk Outlook 2022 © Healix International 2


Risk Outlook contents
Directors view 4
Risks to watch in 2022 5
Economic uncertainty and unrest

Supply chain issues

The rise of ransomware

The next pandemic?

Introduction to ISO 31030 9


A climate in crisis 11
Lessons learned: are we prepared for the next
12
pandemic
Managing reputational risk 13
Regional highlights 15
Americas

Africa

Europe & CIS

APAC

MENA

Wellbeing at work 20
The evolution of COVID-19 22
LGBTQ+ traveller safety 23
Most dangerous countries for humanitarians 25

Risk Outlook 2022 © Healix International 3


Director’s view
As we come to the end of 2021, there’s been an increase in global travel.
There’s a growing sentiment amongst the population that more people are willing to fly - we crave face-
to-face interaction after months of living in a virtual reality - which moves us to a situation reminiscent of
a pre-pandemic norm. Business is a social activity. This increase will see familiar risks and challenges
re-emerge for organisations in terms of ensuring the safety and security of their people and assets that
for the last 18 months or so, have largely gone unfelt. Businesses will want to reassure their people and
instil confidence that they have the necessary plans and resilience programmes in place to support them
in line with the new travel risk management standard, ISO/DIS 31030.

The recent US troop extraction and subsequent mass evacuation from


Afghanistan reminds us of the challenges faced by global organisations who
operate in extreme and fragile environments. The situation caught most
unawares and had all scrambling for timely and accurate information, viable
extraction plans and reliable assets on the ground to facilitate extraction.

Notwithstanding the need for a clear understanding of the bureaucracy that


overlays these types of operations, the Healix Global Security Operations
Centre (GSOC) worked tirelessly during the initial period to explore every
avenue to help those desperate to escape – and we were successful. The
key being dedicated, hardworking staff and a robust and resilient provider
network. It remains a live situation for the operations team and just one of
many situations where we have assisted our clients this year.

On the technology front we continue to add further functionality to Healix


Sentinel, our flagship risk management platform, providing additional value
and capability to our existing clients. More is to come next year. Our COVID
focused technology has also had great success and been adopted by
significant clients in terms of size and scale. Our learnings from this
pandemic will help us focus on future challenges and the processes and
tools needed to combat them.

Healix celebrates its 30th birthday in 2022, and it was with great pride and a
fitting accolade that on the eve of this milestone we learned that we had
been named as "International Health, Wellbeing or Security Risk
Management Provider of the Year" at The Forum for Expatriate Management
EMEA EMMA Awards.

The award recognises our “phenomenal response to COVID-19” and judges


commented that Healix “demonstrated agility, awareness and most
importantly, willingness and desire to help their clients”.

It has been another eventful year and in this report, we take a look at the key
events of 2021, what can be learnt from them and the developments we
anticipate for the year ahead.

Risk Outlook 2022 © Healix International 4


Risks to watch in 2022
Economic uncertainty and unrest

The dramatic impact of the Coronavirus pandemic continues to rage worldwide, but
concerns remain about the long-term impact of the virus, especially on the global
economy.
With domestic measures gradually crucial to stabilising ailing
easing and the tentative return of economies. This doesn’t even
international travel gathering pace, account for the COVID-19 vaccines
the green shoots of global which governments will be
economic recovery have begun to expected to purchase and
emerge. But this recovery is not distribute; it is estimated 1.1% of
equal and a gap is widening people living in low income
between advanced and developing countries have received one dose
economies, owing primarily to of a vaccine. The knock on effect of
vaccine inequity and a lack of this is the potential for political
financial support. Growth rates in instability.
poorer countries with a lack of
Anger at responses to COVID-19
testing, inadequate medical
has added fuel to the fire during
capacity, and disproportionate
unrest in Tunisia, Colombia,
death rates are behind their
Lebanon and South Africa. Knock-
Western counterparts, creating
on effects such as poverty,
even more economic disparity.
unemployment and the removal of
The economies of emerging subsidies are all potential drivers
markets are also more vulnerable, for unrest which governments are
as they have had to react to the facing in 2022, not least in
pandemic within strict fiscal emerging markets.
boundaries, meaning growth is

Risk Outlook 2022 © Healix International 5


Risks to watch in 2022
Supply chain issues

Constraints on global supply chains are expected well into 2022. Bottlenecks have
caused issues globally owing to a wide range of factors, from a lack of labour to
backlogs at ports.
Consumer demand is rising once drivers to alleviate labour shortages,
again following a dramatic fall with limited success – supply chains
caused by the pandemic. Suppliers issues in the UK have been
and retailers are struggling to meet exacerbated by changes to
the demand this dramatic rebound migration and trading regimes
has caused. The political fallout of following Brexit. In the US, business
this is significant, with businesses groups are urging Congress to
scrambling to fill vacant positions, provide federal funding for job
but markets remaining sceptical training programs and to allow for
about long-term security owing to more temporary visas to plug the job
the impact further COVID shortages.
restrictions would have on the
Worldwide growth will be impacted
labour market. For consumers, the
by the supply chain disruptions,
real-term impacts will be increased
hampering the post-COVID
prices for many items and potential
economic recovery for many
shortages of goods which are
countries. There are no quick fixes
usually well-stocked. Western
for the issues driving the supply
countries have already warned of
chain backlogs, such as the labour
shortages of many holiday staples
shortages and port/shipping
this winter. Each government faces
capacity, and is likely that
unique issues when trying to
consumers will continue to feel the
address these issues. The UK
impact of this into 2022.
government decided to issue
temporary visas for foreign truck

Risk Outlook 2022 © Healix International 6


Risks to watch in 2022
The rise of ransomware

Throughout 2021, the number of ransomware cyber-attacks accelerated across the


Western world.
According to Check Point’s mid- using Malware to encrypt and
year security report, ransomware duplicate sensitive data once
attacks increased in frequency by access to the network has been
93% in the first half of 2021 secured, allowing the assailant to
compared to the previous year. demand a ransom for the data to be
Hostile actors adapted to the shift returned. Notwithstanding the
towards hybrid working and working immediate disruption a ransomware
from home practises by exploiting attack can cause, the long-term
the new opportunities this provided impact is significant. Reputational
to infiltrate networks. With a huge risks are elevated, especially if the
increase in devices working outside news of the ransomware attacks
of an organisation’s perimeter becomes public or involves
networks, potential avenues of customer data being infiltrated. If
infiltration include phishing attacks customers are unconvinced of a
and vulnerabilities with remote business’s ability to protect their
desktop protocols. private data, profits are likely to be
affected.
Criminals are exposing the large
financial rewards which can be While 2021 proved to be a record
extracted during a successful breaking year in terms of cyber-
ransomware attack; in the US, Tech attacks, it is highly likely this trend
Republic reported that the average will continue into 2022. Extortion is
payment to cyber criminals during a now a lucrative business and cyber
ransomware attack increased by criminals are creating more
82% to $570,000 in 2021. The most advanced tools to expose and
common form of attack involves exploit network vulnerabilities.

Risk Outlook 2022 © Healix International 7


Risks to watch in 2022
The next pandemic

Coming into 2020 many epidemiologists were warning that the next pandemic was
overdue.
However, the assumption was that there of concerning spill-over events, most
would be another influenza outbreak spilling recently in South Asia. Nipah virus affects the
over from animals to humans, as in the H1N1 respiratory system and the brain and can kill
swine flu pandemic of 2009. Many of the as many as three out of every four people it
pandemic planning exercises focused on an infects. Such high case-fatality rates can
influenza-like respiratory virus and this was sometimes actually prevent diseases from
to shape many of the early responses around spreading because it can mean a patient
the world, unwittingly giving the novel dies before they have a chance to pass it on
coronavirus more breathing space to to others. However, if the virus were to
establish an epidemic that rapidly evolved mutate to spread more easily between
into a pandemic. Two years later, as we look people, the outcome could be devastating.
to 2022 with renewed hope, those same The disease is also so deadly that many
epidemiologists continue to warn of the governments classify it as a bioterrorism
threat of an influenza epidemic. The COVID- threat, thus limiting the laboratories that are
19 pandemic has not eliminated that threat allowed to culture and study it. There are no
but sharpened the focus on how to avoid it. existing vaccines or treatments for Nipah
However, in the meantime surveillance viral infection - a Phase 1 clinical study of a
systems around the world will need to be vaccine candidate is ongoing.
aware of other potential threats to the world
There are 26 virus families in existence that
order.
are now seen as viable threats to the way we
A little-known virus called Nipah virus, which live – according to the WHO, 60% of human
prospers in fruit bats much like infectious and emerging infectious diseases
coronaviruses, has already been the subject are of animal origin.

Risk Outlook 2022 © Healix International 8


An Introduction to ISO 31030
There are many reasons why people travel for their organisation. Despite the growth
in online meetings as a result of COVID-19, the need for business travel remains and
will continue to grow as the pandemic subsides.
For the first time in a generation, restrictions on
business travel have impacted countries
historically considered the safest. And as a
result, an employer’s ‘Duty of Care’ towards their
personnel has become much more complicated
and increasingly relevant.
It has never been more important to have a
robust, tested, and formalised risk management
process in place than it is today, to allow
organisations to respond quickly to incidents
which could adversely affect the health, safety
and wellbeing of their staff and the outcome of
their travel objectives - be it a terror attack, coup,
extreme weather event, protest or pandemic.
Managing the risks of travel, both domestic and
international, requires comprehensive controls. What is ISO 31030?
So, it comes as no surprise that the International
Organization for Standardization (ISO) is While a preview is already available, ISO 31030
developing a travel risk management standard, is expected to be released sometime towards
derived from the well-established ISO 31000 risk the end of 2021. The standard provides a means
management standard, which will set out for organisations to demonstrate that travel
guidance on how an organisation should decisions are based on their capacity to
approach and manage travel risk for employees anticipate, assess and address risk associated
undertaking travel on behalf of their employer. with travel to differing risk environments and
unique traveller profiles.
Who is ISO 31030 for? The best practice guidance for managing travel
The new ISO 31030 has been developed by a risk is structured around four main pillars – travel
truly global community of experts to assist those risk assessment, travel risk treatment,
that manage or participate in business travel, communication and consultation, programme
irrespective of an organisation’s sector, size or monitoring and review – and covers employees,
nature of activities. providers and accompanying travellers.

Organisations which don’t necessarily have a While ISO 31030 helps travel risk managers
travel risk management framework in place establish a streamlined, integrated, and effective
should consider using the ISO 31030 standard approach for fulfilling their duty of care
as a baseline, while mature organisations responsibilities, compliance will also serve to
should benchmark against the standard to align provide reassurance to travelling employees,
their travel risk management procedures. and help organisations meet reputational
objectives.

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We’re here to help
Travel risk management companies, like
Healix, are equipped to support
organisations with developing an
effective travel risk management
programme that aligns with ISO 31030.
From reviewing or creating travel risk
policies, to helping enable travel in
changing and challenging operational
environments in line with business
requirements, Healix can provide:
Robust travel risk assessments, which
identify the risks associated with each
trip and traveller, establish their
likelihood and potential impact and
Why is ISO 31030 important? offer advice on mitigating action where
appropriate.
The aim of having a holistic travel risk Automated trip approval for itineraries
management approach is to promote a culture that comply with travel risk policy, and
where travel-related risk is taken seriously, is ensures travellers carry out necessary
adequately resourced, and managed effectively risk mitigation measures, like
with defined ownership. But also, it helps to obtaining correct visas and
ensure: vaccinations, or completing
appropriate training.
Fulfilment of corporate governance and duty Timely, actionable intelligence and
of care advice on current and emerging
Protection of human capital and intellectual threats for areas of operations.
property Global monitoring of employees,
Reduced impact on business continuity when operations and assets, with push
incidents occur alerts for travellers and risk managers.
Avoidance of litigation issues Tailored analysis, second opinion and
Reduced risk of brand damage bespoke assessments, audits and
Lessened financial exposure plans.
Support from business partners and Incident and crisis response, including
stakeholders medical and security assistance in the
Favoured employer status. event of an emergency.
Ultimately, ISO 31030 is about keeping A tailored, scalable and holistic approach
travellers healthy and safe once business travel to travel risk management, directly in line
resumes, and creates an opportunity to plan with your risk appetite and risk profile,
ahead. An organisation’s ability to control its gives you the support to achieve
travel-related risks effectively and efficiently compliance for your organisation.
may also aid in lowering insurance premiums.

Risk Outlook 2022 © Healix International 10


A climate in crisis
While crime and terrorism are at the forefront of most travellers’ minds, few
incidents have such a widespread impact as natural disasters.
A terror attack can lock down a hotel or a wave lasting for several weeks. Temperatures
transport hub for a day or two, but the effects of across the Pacific Northwest and British
a natural disaster are felt across entire regions Columbia hit record highs, with the Canadian
for months on end. Extreme weather is an often- village of Lytton recording 49.6C on 29th June,
neglected factor in risk analysis, particularly for before it was largely destroyed by wildfires the
developed countries, but the frequency and following day. The metropolitan areas of Seattle,
intensity of such events is only set to increase Portland and Vancouver experienced days of
over the coming decades due to the escalating record temperatures causing disruption to
impacts of climate change. transport, closures of business and hundreds of
excess deaths. The extreme heat also sparked
A world of extremes wildfires, which burned through thousands of
square kilometres of the region.
The gravity of this risk has been reinforced by
multiple extreme events throughout 2021. In If July’s floods are difficult to attribute solely to
July, intense rainfall fell across Belgium, rising global temperatures, the impact of the
Germany, the Netherlands and Luxembourg, increase on June’s extreme heat is easier to
breaking previous records. The rainfall sparked quantify - modelling suggests that it was made
devastating flash flooding in the steep-sided around 150 times more likely by climate change.
valleys of the Eifel region, washing away roads The increasing regularity of such events will
and houses and killing more than 200 people. pose significant challenges over the coming
Individual instances of extreme weather such as years; extreme heat is often overlooked as a
this are difficult to link directly to climate change, natural disaster, but can cause many more
but rising temperatures are making them more fatalities than a major storm or flood. Extreme
frequent and more serious. heat is difficult to escape, particularly in regions
such as the Pacific Northwest where air
Such a high number of deaths in one of the
conditioning is not widespread, and
world’s most developed regions demonstrates
temperatures often build up in urban centres as
the inadequacy of most countries’ preparedness
concrete and tarmac absorb the heat. The
for the most extreme weather events. In
effects of extreme heat also exacerbate
countries considered low-risk, travellers have
underlying medical conditions, making some
often given little thought to how they would react
people more vulnerable than others.
to such an incident, leaving them ill-prepared for
the associated operational and communications Regulatory risk
disruptions that come alongside the risk to life. In
addition to increasing the frequency and These factors make the risks difficult to mitigate,
intensity of such events, global warming is but businesses will be forced to address them
affecting more of the world, leaving countries over the coming decade as temperatures rise
grappling with extreme weather which they have further. Following the recently-concluded
little previous experience of. This compounds COP26 summit, the regulatory risks associated
the problem of complacency, with travellers with climate change are at the forefront of many
often unaware of the range of extreme weather business leaders’ minds. However, the physical
events that could impact them. effects of the climate crisis also need to be
considered, along with the mitigations and
June also saw extreme weather hit the north-
adaptations necessary for continued operations
western Americas region, with a severe heat
in a warming world.
Risk Outlook 2022 © Healix International 11
Managing reputational risk
The hyper-connectivity available to both businesses and consumers has
undoubtedly changed the way business is conducted.
Greater connectivity has allowed business to The potential avenues for reputational risk have
continue throughout the pandemic, with the accelerated in recent years. Companies need to
move towards a hybrid working model now the be highly cognisant to shifting beliefs and
norm for numerous sectors. While this hyper- expectations, to ensure they stay ahead of the
connectivity has numerous benefits, it also curve of public opinion. Large companies are
poses some inherent risks for companies. With expected to be increasingly socially responsible
the relationship between consumer and and environmentally conscious. Improved
businesses more transparent than ever, practises for staff wellbeing and operating in a
reputational risks need to be carefully managed. transparent manner are also now pre-requisites
for many consumers, and companies which fall
Criticism now travels at the speed short of these expectations often get hit in their
of 280 characters revenues.

Disgruntled customers can now take to social Simply chasing a profit is no longer enough for
media to air grievances; well-circulated studies many businesses and building a reputation is
show unhappy customers tell a median of 9-10 the best way to create a loyal customer base. On
people about their experience, while satisfied the flip side of this, failing to manage potential
customers only tell 4-5 people. Reputational reputational risks is a sure-fire way of alienating
risks refer to any potential issues which could potential clients. Social media has made it easier
cause damage to a business’s brand, reputation to connect with potential customers, but it has
or earnings. The potential avenues for these accelerated and amplified the criticism faced by
risks are unique to every business, whether businesses.
caused directly, indirectly or tangentially by the
actions of the business, its employees or
associated third parties.

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Like a fire, the more oxygen an incident
breathes, the bigger it can grow
Although predicting the potential root causes of
reputational risk can be difficult, the best way to
minimise the associated risks is to build
actionable crisis management protocols. Being
proactive is the best way to mitigate risks, by
engaging prompt damage control responses in
a manner appropriate for the audience. For
example, in the event that a disgruntled
customer has video evidence of a company
engaging in wrongdoing, it is up to the business
in question to respond in a way which minimises
the potential risks associated. This could involve
a rapid apology, acknowledgment of
wrongdoing via social media, or even a more
coordinated media response.
“It takes many good deeds to build a good
In 2022, it is more important than ever that reputation, and only one bad one to lose
companies have an awareness of reputational it” - Benjamin Franklin
risk and build crisis management into their
everyday duty of care. The pandemic has
exposed the importance of duty of care and the
If a crisis does occur, in the immediacy the most
risks facing businesses if they not address these
important audience is that which is vital for the
risks adequately. Public perception is now the
continuity of the business, whether this is clients
harbinger of reputation. And the risks are
or shareholders. Information needs to be
escalating – for example, the risk of ransomware
dispersed in a timely and appropriate manner,
attacks infiltrating customer data is now higher
with a focus on transparency and response.
than ever, with cyber risks a major potential
What is the company doing to fix the issue? And
avenue of reputational risk requiring robust
what is the best way to disperse this information,
mitigation measures. Even in the event of a
through public or private channels? If trying to
cyber-attack, evidence of preparedness can
address a wide audience base, social media
mitigate some of the reputational damage.
might be most prudent, but for shareholders a
Companies should understand the current more direct approach should be considered.
perceptions of their business and be honest in
A company’s reputation is central to its ongoing
evaluations of expectations. Are services being
success, in terms of maintaining loyal
oversold or expectations being overestimated?
customers, retaining higher market values and
Managing expectations is one of the key
being an attractive prospect to investors and
measures to avoid dissatisfied customers.
partners. A resilience to reputational risk,
Active monitoring of public perception can also
established through actionable, practised and
help set expectations using such methods as
strategic crisis management measures, is
media analysis, stakeholder surveys and other
essential for any business. With customer
elements of strategic media intelligence. If any
expectations at an all-time high, minimising
negative or hostile sentiment is discovered,
reputational risks adds an extra layer of
analysis into the root cause can avoid an
protection to profits, market position and brand
incident spiralling into a more serious or
loyalty.
damaging event. This also allows businesses to
spot emerging trends, such as the increase in
ransomware, and allows them to amend
behaviours to mitigate these risks.

Risk Outlook 2022 © Healix International 13


Lessons learned: are we prepared
for the next pandemic?
Most business leaders will look back in retrospect at the tremendous upheaval that
has taken place over the last 18 months and reflect that they were vastly
underprepared for the challenges of the pandemic.
In fairness, so were almost all governments and Flexibility is key. Leaders could embrace
organisations. Very few could pull a ‘pandemic virtual offerings, new product lines and in
preparedness plan’ from their emergency locker some cases, entirely new businesses.
and navigate an effective path out of the disaster. Continue to evolve the virtual workspace
through embracing technology and ensure
The last time the world faced a pandemic of this that there are provisions in place in case the
far-reaching extent was almost exactly one workplace is inaccessible, for whatever
hundred years ago as the battles of the First reason - we have seen that hybrid working
World War were consuming the headlines. The solutions are possible in many industries and
1918 influenza pandemic, also called the we now appreciate the challenges facing
“Spanish Flu Pandemic”, eventually claimed transportation and border closures.
between 50 and 100 million lives, representing as Encourage and facilitate the opportunity for
many as 5% of the world’s population. There routine annual vaccinations, for example
have been no recent pandemics from which to influenza; provide clear communication
learn valuable lessons for the future. However, regarding health and wellbeing; open
there will be no excuse in the future for communication lines to discuss individual,
businesses to be ill-prepared for the next confidential employee concerns.
pandemic, one that will surely present sooner Understand employees’ specific health and
than we think. At the end of the crisis, some things wellbeing needs. Establish policies for sick
will return to the way they were, some things will leave absences.
look very different, and some things will simply Review or establish insurance coverage.
not come back. Plan and be prepared for a future pandemic.
So what lessons can be learnt that will help shape Use business networks or other business
your organisation moving forward? organisations to share best practice, to learn
from each other, and to engage in joint
Prepare policies for workplace health and exercises. You should revisit, and retest, the
safety; provide adequate facilities for hand plan periodically, perhaps annually, to ensure
hygiene; plan effective workplace cleaning; re- that it remains current. You should check that
structure the workplace environment to preparations that could go out of date, such as
reduce transmission areas; ventilation, air phone lists or arrangements for alternative
circulation and filtration are key. chains of command are up to date.
Maintain strong communication lines with the
workforce in order to coordinate business Whether you already have a written pandemic
plans. Facilitate confidential employee preparedness plan or haven’t developed one yet,
feedback regarding health and safety companies need to take action now to ensure
concerns or unsafe health practices, and their operations hold up against the next
consider ‘whistle-blower’ protection policies. pandemic.
Communicate with customers so they have a
clear idea of the company’s direction and
leadership.

Risk Outlook 2022 © Healix International 14


Regional highlights Americas

Pedro Castillo’s surprise success in presidential Minister Ariel Henry is manoeuvring to fill the
elections in Peru over Keiko Fujimori, the vacuum created by Moïse’s death and his
daughter of former President Alberto Fujimori, consolidation of power has been backed by the
has raised transitional risks across the country Core Group – a group of international
owing to increased domestic political governments and institutions informally led by
polarisation. Despite independent observers the United States – against the wishes of Haiti’s
stating the election was free and fair, Fujimori civil society and opposition parties. The ongoing
made unsubstantiated claims of electoral fraud. political crisis will hinder the response to Haiti’s
Her supporters backed these claims on the growing insecurity levels. Violent crime and
streets of the capital Lima and other Peruvian kidnappings have been exacerbated by the
urban centres, raising security and operational magnitude 7.2 earthquake that struck the
risks. country on 14th August, owing to a deterioration
in resources, and the security and operational
Meanwhile, right-leaning administrations in
risk environment with remain fragile in the
Colombia and Brazil face stern challenges from
medium-to-long term.
left-wing candidates in 2022. These challenges
come amid a critical crossroads for Latin Since his election in November 2020, US
American politics. A crisis in confidence in President Biden has experienced numerous
democratic institutions has been primarily driven setbacks to his domestic agenda. His plans to
by the high levels of inequality and corruption allow Medicare to negotiate prescription drug
that have been exacerbated by the economic prices were rejected by a House committee,
fallout of the COVID-19 pandemic. In response, while Republicans in the Senate have used the
voters have consistently voted against filibuster to block key voting rights legislation.
incumbent governments, while outsider populist Even within his party, Biden has been forced to
politicians and candidates from both sides of the scale back on his marquee social safety and
spectrum have capitalised. Leftist parties climate change bills owing to push back from the
attempting to maximise this advantage are progressive wing of the Democratic Party. The
promising higher social welfare spending and upcoming retirement of seven Democrats raises
better quality healthcare. The polarisation the potential that President Biden will lose a
increases the risks of politically-motivated majority in the House of Representatives during
violence during election cycles and a breakdown midterm elections in 2022, further hampering the
in domestic political cohesion. administration’s ability to pass wide-ranging
legislation.
The assassination of former Haitian President
Jovenel Moïse on 7th July has thrown the
Caribbean nation into a political crisis. Prime

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Regional highlights Africa

Much like 2020, 2021 was dominated by the The COVID-19 pandemic remains at the forefront
ongoing coronavirus pandemic, with two of concerns as we go into 2022. While much of the
significant waves in the region seen over the year. world has seen falling infection rates thanks to
While there were fears that the scenes seen in vaccine-induced immunity, vaccination levels
India would be replicated in Africa, healthcare remain low across Africa. The rollout has been
systems largely avoided collapse. impeded by supply issues, with developed
countries buying up the majority of doses, leaving
The Sahel region continues to battle an Islamist less developed countries reliant on vaccine-
insurgency, compounded by political instability. sharing initiatives such as the limited Covax
The planned conclusion of Operation Barkhane, programme. Given this lack of immunity, the
scheduled for the first quarter of 2022, may not see region remains susceptible to further waves of the
an immediate expansion of militancy in the region virus, particularly during the early months.
- a significant French presence will remain
following the conclusion of the operation, bolstered Away from the pandemic, presidential elections
by other international partners, but pull-out comes are set to take place in Kenya in August 2022.
at a precarious time, with militants expanding their Tensions are rising in the run-up, amid continued
area of operations in Burkina Faso and Mali, and constitutional wrangling over the Building Bridges
increasing launching attacks into northern Cote Initiative proposed by President Kenyatta and his
d’Ivoire. Dwindling international military assistance long-time rival Raila Odinga following violence
may prompt governments to ramp up their efforts during the 2017 elections. While unrest on this
to reach a negotiated solution with the most scale is unlikely, fertile conditions remain for a
moderate elements of the militants. disputed result and associated protests in the
election aftermath.
While counter-insurgency support is being scaled
down in the Sahel, the opposite is true in In June, unrest over the imprisonment of former
Mozambique, where international forces are now President Jacob Zuma escalated rapidly into wide
active in the northern Cabo Delgado. The scale rioting and looting in South Africa’s KwaZulu-
deployment of Rwandan troops and a force Natal and Gauteng provinces. Hundreds of
composed of Southern African Development warehouses were looted, causing significant
Community (SADC) nations followed an attack on disruption to supply chains and prompting a
the town of Palma in March. Multiple expatriate deployment of the South African National Defence
workers were killed in the attack. The interventions Force (SANDF). While the deployment was
appear to have made significant gains, with a sufficient to quell the violence, due to the continued
drastic reduction in militant attacks over the third socio-economic drivers of unrest, we assess there
and final quarters of the year. to be an even chance of a similar outbreak within
the next twelve months.

Risk Outlook 2022 © Healix International 16


Regional highlights Europe & CIS

The last twelve months have been characterised French Presidential elections will be held in April
by civil unrest in Europe & CIS, primarily relating to 2022. President Macron’s most serious opposition
the implementation and enforcement of COVID-19 stems from the right. Civil unrest should be
restrictions, with additional notable events expected if far-right candidates look to be on-track
occurring in France and Russia. for the presidency, with protests likely to occur in
the event of their success. The elections are
Supply chain issues seen across region, which important for the EU, with France being the EU’s
increased throughout the year, are likely to most significant military power. How Macron or his
continue well into 2022. Increased US-China successor navigate French interests, and the
tensions will disrupt trade further and see US wider notion of ‘strategic autonomy’ in the ‘post-
attempts to shift manufacturing away from China. Merkel’ era, will have significant implications for
It will take time and investment for politicians regional relations and the future of regional
across the region to increase domestic capacity security.
and resilience if they are to seek to prevent future
vulnerabilities. In September 2021, the United Russia party
secured another majority in the Duma elections.
Although Europe was largely successful in its The election exposed structural issues for the
vaccination efforts, a rise in COVID-19 infections Putin government heading into the crucial 2024
and a re-imposition of regional restrictions is to be general elections, such as an aging group of
expected as the Northern Hemisphere enters trusted officials, declining popularity for the United
winter and vaccination protection begins to wane Russia party, and a sense of loss of control
in those receiving jabs early in the campaign. expressed through the campaign against
oppositionists and ballot stuffing.
Major flooding events were seen in July across the
Netherlands, Belgium, Germany, Luxemburg and Uncertainty is expected in Commonwealth of
Switzerland, while wildfires raged through the Independent States (CIS) countries following the
summer across southern Europe to an extent not Taliban takeover of Afghanistan. With Afghanistan
seen in recent years. Wildfires require a coming likely to experience major economic and
together of factors to breakout and become humanitarian crises over the short term, the CIS
sustained, such as extended dry periods with high countries of Turkmenistan, Uzbekistan and
temperatures to dry out forests, scrublands, and Tajikistan might face destabilising factors including
grass plains, as well as strong winds to spread the an influx of refugees, trafficking of arms and drugs,
blazes. These factors are projected to increase in and militant activity using northern Afghanistan as
the coming years with an increase in global a base of operations to launch attacks on targets
temperatures, making a confluence of these within CIS states.
events and the formations of wildfires more likely.

Risk Outlook 2022 © Healix International 17


Regional highlights APAC

COVID-19 related restrictions and lockdowns In Afghanistan, Islamic State Khorasan Province
have continued to be the most prominent issue (IS-KP) continue to carry out domestic terror
throughout 2021, with countries struggling to find a attacks targeted at undermining the Taliban's
balance between opening their economies and ability to maintain a stable security environment
protecting public health. At least four waves of anti- after the US-led withdrawal. An improvement in
government protests have continued in Thailand. the security environment following the Taliban
In June, the protests largely passed without any takeover would be preceded by the return of the
significant incidents. Subsequent protests in July international diplomatic presence of the US, the
and August intensified and escalated into clashes UK and other foreign governments who have
between the protesters and the police on multiple withdrawn from the country. International actors,
occasions. Since July, the focus of the including the US, are demanding the protection of
demonstrations has shifted to include the women's rights, the right of passage for foreign
government's perceived mishandling of the current nationals and a stable security environment for the
COVID-19 situation in Thailand alongside the evacuation of foreign nationals. While the Taliban
existing demands for political and monarchy prioritises political legitimacy, an end to sanctions
reforms. In response to growing public criticisms, and financial assistance that comes with
the authorities launched police probes and filed international recognition, they are unlikely to
lawsuits against dozens of individuals, activities, compromise or concede to such demands.
celebrities, and politicians for defamation and However, little progress is likely to be made in
instigating unrest. These attempts to curb personal finding a longer-term resolution to the conflict. The
freedoms have led to further public anger and security risk environment in Afghanistan remains
distrust towards the government. Tensions remain highly complex and prone to violent escalation at
high, and the security environment is likely to short notice.
deteriorate further unless the authorities adopt a
more effective COVID-19 containment strategy We expect to see increased counter-terrorism
and consider some form of political reform. efforts in New Zealand in 2022, following the
promulgation of new counter-terrorism legislation
Elsewhere, a military coup in Myanmar saw the in September which criminalises the planning or
ousting of the ruling National League for preparation for a terrorist act, and grants more
Democracy government. Despite international powers to security agencies to pre-empt terrorism
condemnation, the military remains firmly in power plots. In addition, the nature of terrorism in-country
as the security environment continues to has evolved, following an uptick in lone wolf
deteriorate. attacks and hate crimes.

Risk Outlook 2022 © Healix International 18


Regional highlights MENA

Long-standing geopolitical tensions eased in the In Libya, while the October 2020 ceasefire put the
Gulf. Saudi officials announced that the three-year civil war between western and eastern-based
air, land and sea blockade of Qatar by Saudi political entities on a tentative hold, hostilities could
Arabia, Bahrain, UAE and Egypt had ended. With resume in 2022. The ceasefire had been
the blockade having failed to isolate Qatar established following significant UN pressure, but
internationally and force change in its foreign policy the UN-sponsored unity government has thus far
approach, the blockading quartet restored bilateral failed to unite Libya’s divided political scene.
ties with the country. The abandonment of the Additionally, there are significant doubts as to
blockade highlights a shift in priorities, with whether Libya’s presidential and parliamentary
collective security and unity of the region now elections, currently planned for December and
taking precedence over ideological differences. January 2021, will go ahead. Deep-seated
mistrust between eastern and western-based
We expect renewed conflict in Iraq, with the militant factions that have resulted from years of
withdrawal of US combat troops planned for 1st intense military conflict continue to complicate
January which will embolden state and non-state Libya’s future as a unified political entity. If the
militant actors, as well as neighbouring powers, to elections are postponed or cancelled altogether,
expand and entrench influence in the country. Pro- domestic stakeholders might conclude that a
Iranian militias embedded in the Iraqi state, such return to conflict is inevitable.
as Kata’ib Hezbollah, the Badr Brigade and Asa’ib
Ahl al-Haq, will attempt to portray the US Lebanon’s brutal economic decline continued
withdrawal as a triumphant success over the US through 2021, with the economic downturn
military occupation of Iraq. However, with the deteriorating operational conditions significantly.
absence of the unifying threat of the US military, The Lebanese Lira, as of the final quarter of 2021,
inter-militia competition between these groups will has devalued by roughly 90% of its value in 2019,
increase. Meanwhile, in the autonomous Iraqi economic hardship touching all but the richest of
Kurdistan region, which at the time of writing still Lebanese society with 75% of the Lebanese
hosts a significant US military presence, the population living in poverty. The collapse of the Lira
withdrawal of US forces will likely result in has resulted in deteriorations in all public service
intensified military operations by both Iran and provisions, including water, supplies, healthcare
Turkey. Both countries have spent decades and emergency services. Power shortages occur
combating long-lasting Kurdish militant daily, with state generators in Beirut only providing
insurgencies by militant groups now based within at most three hours of electricity a day, if at all;
Iraqi Kurdistan’s borders. Turkey and Iran will likely nationwide blackouts occurred on two occasions
seek to deepen military interventions in Iraqi for periods of up to a day in October. Lebanon’s
Kurdistan to reduce Kurdish militant cross-border economic conditions are unlikely to improve until
capabilities. the 2nd quarter of 2022 at the very earliest.

Risk Outlook 2022 © Healix International 19


Wellbeing at work
The pandemic has had a significant impact on all industries, businesses and lives
across the globe.

Thousands have been furloughed and made Physical health


redundant, and others have had to adjust to
new working environments, in some cases As variants of the virus continue to emerge at
considerably impacting both physical and differing levels of severity and infection rates
mental wellbeing. As the majority of remain high in certain countries, the risk of
companies are handling the effects of the potential employee exposure to the virus should
pandemic and move to create a ‘new normal’, remain a concern for HR and risk management
often implementing a hybrid operational model teams welcoming individuals back to the office.
with a mix of work from home and office work, Accordingly, it is essential that companies not only
employee wellbeing has become an ever more assess physical risks within the workplace, but
pressing topic for companies to address. Both also conduct thorough personalised risk
concerns about the impact of the pandemic on assessments of employees to identify those most
individual’s mental wellbeing and physical at risk. Tools such as Healix’s COVID Work Safe
health are particularly pertinent as businesses have been developed to assist companies in
aim to increase operations again over the conducting these risk assessments, and following
coming years. Accordingly, appropriate the completion of a confidential medical
protocols, resources and systems should be questionnaire, assess the employee’s vulnerability
implemented in the workplace to ensure that to COVID-19, taking into account their medical
companies are supporting their employees history. Such assessments enables management
during these ever-evolving times, which teams to implement additional and necessary risk
ultimately enables businesses to develop a mitigation measures for these individuals on a
happy and healthy workforce and fulfil their case-by-case basis, fulfilling their duty of care,
duty of care. while also reassuring individuals that may be
anxious about returning to the office.
Risk Outlook 2022 © Healix International 20
Moreover, as the world re-opens, further that may be anxious about company
enhanced assessments that evaluate procedures, including office working protocols.
employees’ ‘fitness to fly’ are recommended for Businesses should recognised the potential
companies looking to restart international travel. knock-on effects of newly implemented
Keeping employees safe from a pandemic, company procedures or operating models on
security and logistical risk perspective should be employees’ mental health in the context of
key priorities during this time of transition, and existing pressures that may have been
enhanced assessments should be incorporated aggravated by the pandemic. If implementing a
into companies’ travel approval procedures. hybrid working model, for example, in which
These assessments should not only consider employees can work both from home and in the
the medical vulnerability of individuals when office, employees should be treated equally and
travelling to unfamiliar environments that may be fairly, regardless of their choice of work location.
at different stages of the pandemic, but also
Additionally, there are a number of support
include an analysis of potential access to
structures and initiatives that companies should
adequate levels of medical care and testing
consider implementing to tackle and prevent
facilities should the traveller become infected
mental health problems partly or in whole
with the virus. Alongside medical considerations,
caused by the work environment. Below are
assessments should provide clear and concise
some simple and possible options that
information on entry, exit and testing
businesses should consider:
requirements at the destination.
Regular scheduled check-ins with
Mental wellbeing employees, alongside official appraisals.
In addition to the visible effects the pandemic Remote GP access: Consider providing
has had on physical health globally, it has also employees with on-demand GP helplines
significantly exacerbated existing concerns and counselling, which allows them to
about the growing mental health crisis in the access confidential help and support at their
United Kingdom and worldwide. Reports own pace.
indicate that over two-thirds of the UK’s Wellbeing support services: Consider giving
population has expressed concern about the employees access to general mental health
impact of the COVID-19 pandemic on their lives advice support hotlines, wellbeing apps and
and that by the middle of 2020, one in five people
online resources.
in the UK were reportedly suffering from a form
Mental health first aiders: Consider training
of depression. Whether it be losing loved ones
a number of employees as mental health
to the virus, experiencing considerable
first aiders that can provide initial support
loneliness during times of isolation or
experiencing economic hardship following and guidance to employees with mental
unemployment or salary reductions, numerous health concerns and spot the early warning
individuals have gone through traumatic and signs of someone’s that may be struggling
negative events during the pandemic. While with mental health.
governments across the globe recognise the
adverse effect of the pandemic and certain While the pandemic has had a catastrophic
effect on the personal lives of millions, support
containment measures implemented on mental
mechanisms should be implemented in both the
health and are working to provide support
personal and professional lives of individuals
mechanisms, businesses should be going through difficult times, both physical and
complementing this effort as they aim to ramp up mentally. Not only do companies have a duty of
operations again. care to their employees, but providing support
mechanisms to attempt to improve the status
Efforts should be aimed at assisting employees
quo, rather than turn a blind eye, is simply the
through difficult times, preventing potential
right thing to do.
future problems and providing guidance to those

Risk Outlook 2022 © Healix International 21


The evolution of COVID-19
There have been many ups and downs in the battle against the SARS-CoV-2 virus
and its variant guises.

Undoubtedly, the greatest achievement in this Is the end in sight?


battle has been the remarkable feat of getting
jabs in arms within a year of the first One of the difficult concepts to grasp is how to
announcement of the emergence of a novel recognise the end of a pandemic. A paradigm
that many of us have clung to is that “all
respiratory virus in China. There are now
pandemics will come to an end”. Despite early
almost two dozen authorised or approved
and perhaps naïve hopes of ‘eradication’ of
COVID vaccines and more than seven billion COVID-19, it was clear from listening to
doses have been administered across at least experienced campaigners in the fields of
184 countries, at a rate of around 25 million epidemiology and virology that this was simply
shots a day. By the end of 2021, there will not going to happen - a virus that spreads
have been more jabs administered than there asymptomatically and that has a natural
are people on Earth. However, the rate across reservoir in numerous animals is destined to
low-income countries shamefully lags the rest remain forever as an ‘endemic’ disease. The
of the world. concept of an endemic disease, originally
coined by Hippocrates, is loosely defined as
We have therapeutic protocols in place that ‘an infectious disease that is usually present in
allow medics to treat the most severely ill in a the community’.
way that was not possible 18 months ago.
COVID-19 could already be described as
There are monoclonal antibody treatments
endemic in a number of countries. Denmark
that successfully prevent the majority of
for example has fully vaccinated 75% of its
recently infected people from developing population and has lifted all restrictions,
severe disease. These treatments require a declaring that the virus is "no longer a critical
medical facility for administration but we are threat to society" due to high vaccination rates
on the brink of extending this arsenal of drugs and low incidence of severe disease and
to include oral treatments that can be death. In Danish society, there are high levels
dispensed at diagnosis. of trust in authorities and a sense of social
mindedness.
Weighed against these successes is the
sobering official death toll that has surpassed Many in the northern hemisphere are looking
5 million lives - many observers contend that to get through the winter, with hope that the
the real mortality figures are much higher. We spring will mark a natural end to the pandemic,
should not forget the long-tail of ongoing at least in high-income countries with high
vaccination rates. In the meantime, scientists
morbidity from COVID, like the enormous
will monitor the virus very carefully for a variant
mental health toll of the pandemic, delayed that could halt us in our tracks, while the World
diagnoses of other diseases, mismanagement Health Organisation will continue in its
of chronic disease, loss of invaluable research struggle to ‘vaccinate the world’.
programmes into disease, and the huge
economic effects of a global pandemic on
nutrition, infrastructure, and health.

Risk Outlook 2022 © Healix International 22


LGBTQ+ traveller safety
According to the World Tourism Organisation, up to 10% of global travellers identify
as LGBTQ+.

LGBTQ+ travellers continue to face unique legal, security risk environment faced by members of
cultural, social and security risks while travelling, the LGBTQ+ community.
and while many global companies are
For instance, while LGBTQ+ individuals in South
headquartered in countries with wide protections
Africa or Brazil enjoy broad rights and protections
against discrimination and with generally
against discrimination based on sexual
accepting societal attitudes, this is not the case
orientation, religious and conservative views
for a large proportion of the world.
remain, and violence against members of the
As we head into 2022, with the relaxation of LGBTQ+ community are relatively common in
travel restrictions and an increasing number of both countries. In Singapore, male same-sex
LGBTQ+ employees undertaking business relations are punishable with up to two years
travel, including long-term deployments, it is imprisonment, although the law is not enforced
critical for businesses to be aware of local social and society is becoming increasingly tolerant
attitudes, cultures and legal environments to towards the LGBTQ+ community.
ensure the safety of all staff, provide effective
While legislations are evolving towards further
support and meet their duty of care
protections against discrimination and widened
requirements.
rights for LGBTQ+ people, various countries
Around the world, legislation may be unclear or continue to dismantle existing legal protections
applied arbitrarily, while in some cases the legal and are enacting discriminatory laws towards the
context may misrepresent the prevalent societal LGBTQ+ community.
attitudes towards LGBTQ+ individuals and the

Risk Outlook 2022 © Healix International 23


State-sanctioned violence and discrimination
against members of the LGBTQ+ community are Violence and discrimination against
likely to increase as countries resume social LGBTQ+ during COVID-19
activities, including the celebration of Pride
According to Human Rights Watch, the
month in June. For instance, in Egypt, the police
closure of international borders and the
is known for targeting LGBTQ+ venues and
imposition of lockdowns globally forced
utilising LGBTQ+ social networking apps to
many LGBTQ+ individuals to remain in
entrap victims before arresting them, while in
high risk security contexts or return to
Turkey, where same-sex relations are
their countries of origin, where they were
decriminalised, discrimination against LGBTQ+
persecuted or discriminated due to their
individuals remains unpunished and fuelled by
sexual orientation.
homophobic rhetoric disseminated by members
of the government and top religious officials.

What can I do to support my travellers?


Organisations should monitor the latest LGBTQ+ security risks and trends and develop mitigation
strategies for employees. Employee e-learning programmes provide travellers with the tools to enhance
situational awareness which can be rolled-out quickly and at scale across your workforce.

Risk Outlook 2022 © Healix International 24


Most dangerous countries for
humanitarians
Throughout 2021, humanitarian aid workers have continued to be targeted while
facing a range of risks related to the pandemic.

Alongside novel risks, conflict and violence have continued to proliferate in South Sudan, Afghanistan,
and Mali while new conflicts have developed in countries such as Myanmar, Ethiopia and Haiti.

South Sudan Afghanistan


South Sudan remains the most dangerous Afghanistan ranks highly in the most dangerous
country for aid workers, with 69 victims involved countries for aid workers. Between January and
in 47 security incidents in 2021, where 21 aid September, 44 aid workers were involved in 10
workers were killed, 46 were wounded and six security incidents where 18 were killed, 25 were
were kidnapped. The majority of the incidents injured and one was kidnapped. The numbers
occurred in Jonglei, Lakes and the Unity regions. have increased significantly in comparison with
The number of security incidents in South the same period in 2020. All the aid workers
Sudan’s capital, Juba, has increased slightly from attacked were local nationals with the main actors
four in 2020 to five in the same period in 2021. being ISIS affiliated groups and the Taliban.
Ambushes, attacks against individuals and raids Kabul and Nangarhar regions have witnessed a
represent the majority of the incidents, greater number of attacks against aid workers in
underscoring the high security and operational the past year, particularly the cities of Kabul,
environment for NGOs. Jalalabad, and Torkham. Individual attacks
remain the most common attack context.
Despite the 2018 peace agreements reached
between President Salva Kiir Mayardit and The withdrawal of the US troops from
former vice president and opposition leader Reik Afghanistan and the quick takeover of the country
Machar, the lengthy conflict has led to the by Taliban forces have caused a rapid
emergence of a multitude of armed militias, which deterioration of the security and operational
have been accused of killing, robbing, ambushing environments for NGOs. While thousands of
and kidnapping aid workers with impunity in the Afghans affiliated with western governments and
past. While the government keeps attempting to NGOs have evacuated the country, the number
reassert control over the areas controlled by of attacks against aid workers, particularly those
these militias, an improvement of the security involved with non-profit organisations that oppose
environment for aid workers here is unlikely in the the Taliban’s extreme views, are likely to increase
short term. in the upcoming months.

Risk Outlook 2022 © Healix International 25


Mali
2022 forecast
Mali has made our list of most dangerous
countries for aid workers this year amid an Numerous other countries are likely to
increase in the number of security incidents. continue witnessing an increased number
From January to September 2021, 16 security of attacks against aid-workers throughout
incidents involving 42 aid workers have occurred 2022. The deteriorating security
in Mali, with one aid worker killed, one wounded environment in Tigray, Ethiopia amid the
and 38 kidnapped. Up to 95% of the victims were civil conflict has translated into an upward
local nationals, and 90% of them were kidnapped trend of shootings involving aid workers,
for ransom by local militias and ISIS affiliated with 19 of them killed in 2021, from none
groups and released at a later date. In the previous year. In Myanmar, the military
comparison with the same period in 2020, a coup that occurred in February and the
greater number of kidnappings were reported in ongoing civil conflict that followed have
2021. Ambushes remain the most common caused significant security and
mean of attack while Mopti and Gao, the main operational challenges to aid workers.
ISIS strongholds in Mali, account for a large While one aid worker was killed between
majority of the attacks. January and October 2020, eight NGO
Groups affiliated to al-Qaeda and ISIS including workers were killed, six were injured and
al-Qaeda in the Islamic Maghreb (AQIM), al- four were kidnapped in 11 security
Mourabitoun, Islamic State Greater Sahara incidents reported during the same period
(ISGS) and Jamaat Nusrat al-Islam wal in 2021. Haiti’s security context continues
Muslimeen (JNIM) have continuously resorted to to deteriorate amid the political instability
kidnapping for ransom as a key source of income that followed the assassination of former
since 2012. The method has also become President Jovenel Moïse in June and the
popular among criminal gangs amid the lack of aftermath of the magnitude 7.2
law enforcement. Terrorist groups are likely to earthquake that struck Haiti in August. The
continue targeting aid workers, and particularly number of kidnappings has increased in
the United Nations Multidimensional Integrated the past three months, with the most
Stabilisation Mission in Mali (MINUSMA) recent attack involving 12 foreign
peacekeepers, especially in northern areas of the missionaries who were abducted for
country. ransom in Port-au-Prince.

Risk Outlook 2022 © Healix International 26


Helping clients take control of their
health, travel and risk provision
Healix are global leaders in travel risk management and
international assistance services. Working on behalf of
multinational corporations, governments, NGOs and
insurers, we look after the welfare of expatriates, business
travellers and local nationals living and working in every
country of the world, 24 hours a day.
Whether your focus is creating a resilient, compliant or
reputable organisation, or delivering on growth and
opportunity, Healix help you build a robust and tailored
framework that supports the needs of your business.

Email enquiries@healix.com

Website www.healix.com

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Risk Outlook 2022 © Healix International 27

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