Health

Within our world-wide team, Hannover Re offers a wide range of valuable health exper­tise. From product know­ledge relating to func­tional invali­dity or critical illness, through expe­rience with the speci­fic attri­butes of risk rein­surance for indem­nity health products, right up to finan­cial solu­tions in the area of health: our local experts under­stand what works and what doesn’t in diffe­rent markets.

We support our clients by supply­ing the liqui­dity or capital relief they need, analy­sing clients’ data and provi­ding risk manage­ment ideas. Further­more, we offer advice on pro­duct port­folio as well as process optimi­sation.

Regions around the world vary greatly with respect to their health reinsurance requirements. Our services are geared to these specific regional needs. In the US, for example, our subsidiary Hannover Life Reassurance Company of America is well positioned to offer both, financial solutions for small, medium-sized and large health insurers in a growing market as well as conventional reinsurance to support the risk tolerance of clients in the group health markets. In Latin America, we have a long track record of experience with non-proportional health reinsurance solutions which we continuously expand to include quota share coverage and financing as well.

We identify advan­tageous sales channels and busi­ness oppor­tunities even in diffi­cult markets and advise our clients accor­dingly. A prime example is India, where we are increa­singly active and success­ful, espe­cially in the mass-health segment, where govern­ment spon­sored schemes cover basic treat­ments in hos­pital for poor parts of the popu­lation. Here, our on-top claims manage­ment services are particu­larly high in demand. In Germany, Hannover Re provides system solu­tions to support effi­cient sales pro­cesses for popular products that combine per­sonal accident cover and func­tional dis­ability.