Risk solutions


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

Powered by technology and our partnership approach, we offer bespoke health reinsurance solutions, infused with new ideas and innovations, precisely tailored to your unique business needs.

For years, the global healthcare sector has been growing exponentially. Drivers for this development include improvements in healthcare through new and innovative therapies, greater health awareness with better access to far-reaching preventive measures, early disease detection and also increasing available incomes.

While these developments are welcome, the resulting increase in health spending is significantly higher than inflation and this trend is set to carry on. This environment brings huge challenges for insurers as well as considerable opportunities. At Hannover Re, we aim to help our partners to get the best out of this market as they strive to support end customers profitably.

Health insurance covers and products come in all shapes and sizes. As a reinsurer, we deal with clients ranging from pure life insurers to multi-line and specialised health insurers. Added to that, there is no “one size fits all” for health cover and health-based policies across the different regions of the world. The systems set up to enable good healthcare vary considerably between countries.

Our special mix of local and international knowledge

What is common to all is the mix of support Hannover Re can offer. Having a strong global network with health experts on every continent, we bring international knowledge to the table, combined with short decision-making processes and local know-how.

How can we help?

Our services are geared to specific regional needs. We identify advantageous business opportunities and sales channels even in difficult markets and advise our clients accordingly. We can adopt proven concepts and combine them with local expertise to service specific markets, where our local experts understand what works and what doesn’t. While we pride ourselves on our openness to innovation and new ideas, our existing services include:

  • In-depth knowledge of profitability drivers in cash benefit or reimbursement products
  • Health insurance-related financial solutions
  • Analysis of clients’ data and provision of relevant risk management ideas
  • Tailored advice on optimisation of product portfolio and product development process

To our tailored approach we add advanced technology: automated underwriting systems and a dedicated health insurance underwriting manual to enable top quality decisions, wearable technology solutions for proactive health monitoring, pay-as-you-live options enabled by mobile technology and access to insurtech innovation through our hr | equarium digital solutions marketplace.