Health Care Insurance
AT Global has an in depth knowledge and experience in the Health Care Insurance Industry.
We offer a broad range of services to the Health Care Insurance Industry including:
- Product Development for health care insurances, including policy wordings, terms and conditions
- Actuarial analysis of health care insurance risks, and development of models for financial projections taking into account different health care elements such as:
- Inpatient, outpatient services and prescription drugs
- Illegibility conditions
- Insurance term
- Annual coverage limits; territorial / geographic coverage and limits
- Health care services for emergency cases, including transportation services for medical emergencies
- Hospitalisation class
- Maternity health care services, congenital anomaly cover
- Different types of tests, diagnosis and treatments for urgent and non-urgent medical cases
- Laboratory tests services, X-ray, MRI, CT-scan, ultra sound and endoscopy diagnostic services
- Dental and gum services, hearing and vision aids, vision correction surgeries and laser
- Organ and tissue transplants
- Pre-existing conditions
- Additional benefits, for example accommodation for persons accompanying children or cases of critical conditions, in hospital cash benefits
- Repatriation services including repatriation of mortal remains
- Valuation of health care insurance liabilities including claims liabilities for reported and not reported claims
- Development of a policy for claims reserving reported and IBNR claims