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Medical Excess Reinsurance
Medical Excess of Loss Reinsurance
Coverage
RBS Re offers medical insurance companies
a reinsurance product to insure the company against catastrophic medical
claims. Based upon an analysis of coverage needs, claims experience,
case and geographic mix and financial risk appetite, we will provide optimal
coverage options to your company.
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Reinsurable products include
individual medical, group medical, and consumer directed health plans (CDHPs)
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Comprehensive coverage
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Flexible deductible levels
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Prescription benefit coverage
included
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Product carve-outs, such as
organ transplant cases, available
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Alternate funding options
available
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Calendar year or risk attaching
coverage
Value Added Services
Every RBS Re
client receives assistance in the management of catastrophic healthcare
claims. These value added services are designed to complement and enhance a
client’s existing medical management programs. Here are a few examples of
services offered:
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Access to National
Transplant Networks |
Access to National PPO
Networks |
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Catastrophic Case
Management |
Neonatal Care Management |
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Large Claim Reviews |
Bill Audits |
Coverage is underwritten by HM Life Insurance Company
or Highmark Casualty Insurance Company, Pittsburgh, PA in all states
except New York under policy form series GP895, GP895C, HL601, HC601,
HL904, HC PEL1105 or similar. In New York, coverage is underwritten by
HM Life Insurance Company of New York, New York under policy form
series GP895, HL601 or similar. The coverage or service requested may
not be available in all states. |
