In this special New Year episode, Denis Guay (Chief Customer Officer) and Serena McGovern (Director of Security & Equity) break out the crystal ball and go on record with best guesses for what 2023 will bring:

• Cashless solutions for local nationals accessing health care

• Increases in medical premiums

• Higher competitive pressure in ancillary lines in the US

• Quickly rebounding global travel

• Increasingly acute and complex mental health challenges