SIDRE considers selected Health and Personal Accident portfolios through facultative and treaty structures developed around benefit design, claims experience, demographic profile, medical inflation and market conditions.
Solutions may be provided on a proportional or non-proportional basis for individual, group, employee-benefit, affinity and multinational programmes.
Health
Potential Risk Segments
- Group medical portfolios
- Individual medical portfolios
- Employee healthcare programmes
- High-limit medical cases
- Catastrophic health exposures
- Major medical
- Inpatient and outpatient benefits
- Critical illness
- Cancer-specific benefits
- Disease-specific protection
- Complementary health programmes
- Medical expense stop loss
- International private medical insurance, where agreed
- Affinity and association programmes
Potential Structures
- Quota share
- Surplus
- Per-person excess of loss
- Catastrophe excess of loss
- Aggregate excess of loss
- Stop loss
- Facultative medical cases
- Portfolio protection
Personal Accident
Potential Risk Segments
- Individual personal accident
- Group personal accident
- Accidental death
- Permanent total disability
- Permanent partial disability
- Temporary disability
- Accidental medical expenses
- Travel-related personal accident
- Occupational accident
- Student accident
- Sports and event-related accident, where agreed
- Affinity and membership programmes
Selected Protection Benefits
Where appropriate and supported by the necessary expertise, SID Re may also consider:
- Group term life
- Credit life
- Mortgage protection
- Death-in-service benefits
- Total and permanent disability
- Critical illness
- Funeral expense
- Key-person protection
- Employee benefits
Additional Support
Depending on the arrangement, SID Re may contribute to:
- Portfolio analysis
- Benefit design
- Pricing review
- Product development
- Underwriting guidelines
- Claims analysis
- Medical-risk assessment
- Automated underwriting development
- Experience monitoring
- Programme restructuring
Health and accident solutions must be designed around sustainable pricing, clearly defined benefits, data quality and appropriate claims controls.