Accident & Health Reinsurance
RMA can contribute to your success in the accident and health insurance market. Whether your goal is to develop a new line of business or enhance the performance of an existing product, we can help.
RMA gives insurers access to high-quality capacity through a global network of reinsurers. We also offer reinsurance program design, actuarial consulting and pricing, and third-party administration—all backed up by extensive market experience.
Our team’s extensive expertise in the reinsurance and retrocession business covers a wide range of short-term accident and health risks on a facultative, treaty, and whole portfolio basis.
Products
RMA offers reinsurance capacity and program design for individual and group risks covered under a wide range of accident and health products:
- Accidental Death & Dismemberment, including Carve-out
- Short-term life, Disability, and Critical Illness
- Travel Accident, Sickness and Evacuation
- Credit Card Common Carrier Accidental Death & Dismemberment
- Extended Health Care and Prescription Drugs
We offer reinsurance coverage for the following special risks:
- War, Terrorism and Pandemic
- High Limit and Keyman Coverage
- Concentration Risks
- Known or Unknown Clash
- Abnormal Mortality or Morbidity
- Amateur and Professional Sports
- Student Accident
- Unusual or Hazardous Avocation and Occupation
Services
RMA has a strong history of working collaboratively with clients. We deliver the following services, any of which can be customized to fit your business and meet your goals:
- Reinsurance program design
- High quality reinsurance capacity
- Reinsurance treaty and policy wording
- Portfolio management and administration
- Underwriting, pricing, and risk assessment
- Actuarial consulting
- Product development
- Claims adjudication and litigation support
- Auditing services
- Analysis of new insurance products and territories
Reinsurance Methods
Our expertise covers short-term accident and health risks on a facultative, treaty or whole portfolio basis using the following reinsurance methods:
Proportional:
- Quota share
- Surplus of lines or variable quota share
Non-proportional:
- Per person or per risk excess of loss
- Known or unknown clash excess of loss
- Multi-life catastrophe excess of loss
- Aggregate mortality or morbidity stop loss
For more information, please call us at 416.408.2602 or contact us.
