Accident & Health

Key coverage

Personal Accident

Accidental death and disablement insurance to individuals and groups. We cover a huge variety of occupations, located in countries including all high hazard territories. Whilst we are willing to consider all placements, the majority of the portfolio is made of ‘non-standard’ risks where there is an increased exposure as a consequence of the nature of the occupation, the location of the personnel or the very large sum insured. We can also provide coverage for ‘war’ in high-threat environments or volatile/ high-hazard regions.

Disability

We cover individuals and groups for high limit temporary and permanent disability from accident and illness. Our Insureds include all occupations from blue-collar at one end to senior employees of major corporations, professional sportspeople and those involved in the entertainment industry. We are experienced in medical and financial underwriting, and our expertise enables us to offer coverages that are not available elsewhere.

Travel insurance

We write leisure and corporate travel insurance covering holiday and business trips anywhere in the world. We offer products that can be branded by our intermediary partners and sold via a range of distribution methods including websites, online applications and enhancements to credit cards. We understand the range of problems that a traveller can encounter during a trip and we work with partner companies to offer 24-hour worldwide assistance to our insureds.

Reinsurance

We write excess of loss, stop loss and proportional treaty reinsurances protecting cedants worldwide. We reinsure portfolios of life, personal accident insurance, travel insurance and medical expenses portfolios insurance, as well as individual facultative placements.  We write Defence Base Act, Foreign Voluntary and Industrial Aid coverage on a Facultative Excess of Loss basis.

Medical Expenses

Our strong relationships with claims and benefits administrators and assistance providers throughout the world enable us to offer tailored solutions for corporate groups requiring coverage for in and out-patient medical expenses and emergency evacuation and repatriation. We also write self-funded specific and aggregate medical expenses.

Kidnap and Ransom

Our kidnap and ransom coverage provides protection for individuals and corporations operating in high-risk areas around the world, including countries in Latin America, Africa and the Middle East. We partner with crisis management specialists to offer expert response and guidance in the event of a kidnap, hijack or marine piracy event.