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Health

Public as well as private health spending has been rising across the world for many years now. Most often the increase in health spending outperforms the increase in cost of daily living. Advances in the field of medicine play a major role in this, as do greater health awareness, growing and ageing population and increasing available incomes. While some consider this trend to be a burden, others benefit from the significantly growing health market. This trend is expected to continue in the upcoming years. We support our clients, whether they are life insurers, multi-line or specialised health insurers, in participating profitably in this market.

Our health expertise for our clients

From in-depth product know­ledge relating to relevant profitability drivers in cash benefit products or reimbursement covers, through expe­rience with 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 their 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 tailored advice on pro­duct port­folio and product development projects as well as process optimi­sation.

We can adopt aspects that are valid inter­natio­nally and combine them with local know-how to service specific markets. Our clients trust us, knowing that their concern is in good hands.

Health

Health insu­rance allows con­sumers to gain cove­rage for in­curring medical expenses.

Closing the protection gap

A partnership that enables affordable and easy-to-use insurance and health products for underserved consumers in emerging markets:

BIMA & Hannover Re

Our regional services now and in future

Regions around the world vary greatly with respect to their social security systems and health insurance requirements. So they do for health reinsurance requirements as well. Our services are geared to these specific regional needs.

In the U.S., for example, our local subsidiary 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 providing non-proportional health reinsurance solutions and we continuously expand our offer to include quota share coverage and financing as well.

We identify advan­tageous busi­ness oppor­tunities and sales channels even in diffi­cult markets and advise our clients accor­dingly. In South East Asia, our local branch successfully supports various clients in several markets in this region with new product development solu­tions to enable them offering health protection for those in need.

Having health experts on every conti­nent, Hannover Re brings inter­national know­ledge to the table combined with the very special mix of short deci­sion-making pro­cesses and local know-how. We have the courage to tread new paths and pave the way for our clients’ success.

Flyers

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hr | decida: web-based underwriting manual for smooth health insurance decision-making

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Health insurance with Hannover Re (2019)

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Vector-borne diseases product (2021)