Trusted by cedants across the Global South
Health & Wellness
Stabilizing the health of emerging economies by providing scalable capacity for individual and group health portfolios.
- +6.5%
- Global South Health Spend CAGR
- 40+
- Target Emerging Markets
- 60%
- Out-of-Pocket Expenditure Gap
- +35%
- Digital Health Adoption YoY
Our Approach
A better way to manage underwriting volatility
For primary insurers, health portfolios are challenged by rapid medical inflation, aging populations, and the rising cost of chronic disease management. We provide the quota-share and stop-loss capacity required to stabilize loss ratios while introducing technical inputs to improve risk stratification and claim management.
- 01
Group & Corporate Health
- We provide robust capacity for employee benefit schemes, specializing in treaties that protect against "concentration of risk" in high-density corporate environments or specific industrial sectors.
- 02
Individual & Family Floater Support
- We support our partners in scaling their retail footprint, offering the actuarial depth needed to price diverse benefit structures from basic hospitalization to comprehensive OPD and maternity covers.
- 03
Wellness & Preventive Care Integration
- We specialize in treaties that incentivize proactive health management. By backing programs that focus on early detection and chronic disease management, we help our partners reduce long-term claim severity.
Always in the Loop
Intelligence that keeps cedants ahead.
Our partners receive continuous analytical support — turning raw risk data into precise underwriting decisions.
Clustering Analysis for Accurate Pricing
- We provide advanced demographic and clinical clustering reports. By grouping data by co-morbidity profiles, age-bands, and regional healthcare utilization rates, we enable our cedants to move toward high-precision, risk-based technical pricing.
Medical Inflation Monitoring
- Our partners receive regular reports on regional medical cost trends and hospital billing patterns, helping them adjust primary premiums and provider network negotiations in real-time.
FAQs
Frequently asked questions
- How does Treaty Reinsurance improve capital efficiency?
- By offloading the volatility of high-cost medical claims and pandemic-style accumulation risks, we reduce the solvency capital requirements for primary insurers, allowing them to expand their footprint in the underserved retail health segment.
- What is the typical duration of a treaty arrangement?
- Most Health treaties are structured on an annual basis, typically aligning with the fiscal year or the specific renewal cycles of large corporate group accounts.
- How are claims handled within this Line of Business?
- As a reinsurer, we follow the settlements of the primary insurer ("Follow the Fortunes"). For high-value individual claims or catastrophic events, we provide rapid reimbursement to ensure the cedant maintains liquid cash flows for hospital settlements.
- Do you offer tailored wording for specific regulatory zones?
- Yes. We specialize in drafting wording that aligns with local healthcare mandates, standardized hospital definitions, and regional "Pre-Existing Disease" (PED) waiting period regulations.
- How do you support cedants with technical data?
- We provide regular RST based environmental health alerts and clinical data inputs, delivering detailed clustering analysis for accurate pricing — allowing our cedants to segment their portfolio based on actual health behavior and risk factors.
- Can you assist with the "TPA" audit process?
- Absolutely. We provide the technical framework to audit claim leakages and billing irregularities at the TPA level, ensuring that the claims being ceded to the treaty are clinically justified and accurately priced.
- How is accumulation risk managed during infectious disease outbreaks?
- We use spatial analytics to monitor geographic clusters of respiratory or water-borne illnesses. This allows us to advise cedants on "Catastrophe Stop-Loss" limits to protect their balance sheet against regional health crises.
- What is the role of the reinsurer in Value-Based Care?
- While the primary insurer manages the provider network, we provide the underlying data models to track the effectiveness of wellness interventions, helping to prove the ROI on preventive care and adjust treaty terms accordingly.