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The Captive Business Strategy: Employee Medical and Other Heath Care Risks

Medical systems have historically been the quickest to adopt captives to control their employee healthcare costs. From regional hospitals with a single plan, to large hospital systems with multiple plans, the systems have found that a captive-based structure used at the parent level enables a more efficient purchase with uniform protection across plans. Instead of numerous ... Continue Reading »

The Groundbreaking Science Impacting Large Medical Claims

The real drivers of multimillion dollar medical claims are likely to come in the innovative new treatments that are being developed right now. Understanding what is coming down the Food and Drug Administration (FDA)-approved pipeline is the first step towards being adequately prepared. With the prospect of more innovation driving high cost medical claims, insurers have options ... Continue Reading »

What Is Changing in the U.S. Healthcare Reinsurance Market?

Traditionally, healthcare reinsurers offered a robust model to customers, with additional services including claims analysis, access to vendor contracts in high-cost, specialty areas like organ transplant or dialysis, nurse hotlines, pre-natal teams and general expertise on "who to call" regarding specific claimant issues. Low loss ratios — around 65-75 percent — and high lev ... Continue Reading »

Asia’s Health Care Industry Reels From Cyberattacks

Health care is one of the sectors most vulnerable to cyberattacks, with more than one in four (27 percent) health care organizations reporting that they have been a victim of a cyberattack in the past 12 months. This is more than financial institutions (20 percent) and nearly twice the incidence in the communications, media and technology sector (14 percent). Despite this, ... Continue Reading »

Healthcare Organizations and Medical Risk: What HCOs Need to Know About the Medical Risks They Own

As healthcare organizations transition their business models from "fee for service" to "fee for value," margin pressure, capital allocation and expense management are pitfalls to a successful transition. We argue that the creation of an integrated risk strategy framework to think about medical risk collectively (the medical risk continuum) will empower healthcare organizations ... Continue Reading »

How Will Gene Therapy Change the Health Insurance Landscape?

Gene therapy is a new kind of specialty medical treatment. A patient receives a one-time injection of DNA-filled viruses, and those viruses get to work changing the way a patient's cells react. So far, three gene therapy treatments have been approved by the U.S. Food and Drug Administration: two are CAR T-cell immunotherapy treatments used for fighting leukemia, and one treats ... Continue Reading »

Asia Pacific Focus – Insights from Guy Carpenter

Here we present a recap of recent thought leadership from Guy Carpenter focusing on important insurance and reinsurance topics in Asia Pacific. Understanding Flood Risk in Malaysia Through Catastrophe Modeling: According to Malaysia's Department of Irrigation and Drainage, the many rivers running through the country put about 9 percent of the total land area under flood ... Continue Reading »