We arrange coverage for employer groups who self-insure their medical insurance programmes. Typically, clients purchase stop loss coverage to protect against high or abnormal claim activity.

This cover can be purchased for:

• Specific stop loss to protect against a single large claim in excess of a deductible
• Aggregate stop loss to protect against higher than expected claim activity

When applying for cover the following information should be provided:

• Full account loss statistics (for a minimum of three years)
• Details of the size and profile of the group to be insured
• Details about how claims will be managed