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.

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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

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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

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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.