Managing a self-funded medical benefit plan is not without risk. Catastrophic individual claims or aggregate claims well in excess of expectations can drain the financial reserves of even the best-run plans. As we value feedback from you, our clients, we've developed a number of employer stop loss solutions with your needs in mind. We have a shared understanding of the risks associated with self-funding and are committed to addressing coverage gaps.

Advancing self-funding together

  • Experience

    Members of the Accident & Health team of Swiss Re Corporate Solutions have been providing in-depth product knowledge and solutions to customers for decades.​

  • Expertise

    Our team's long history and continuity in this market gives both our policyholders and their trusted advisors confidence in knowing they are backed by experts who adapt to market trends and provide market-leading capacity. ​

  • Financial strength

    Coverage is underwritten by Swiss Re Corporate Solutions America Insurance Corporation, a direct writer for self-insured employer groups in all 50 states, as well as the District of Columbia, with a financial strength rating of (A+ Superior) by A.M. Best Company.​

How we can help you

Further Information

We help you properly manage these risks

Self-funded plans may leave plan sponsors exposed to gaps in coverage. As a leader in employer stop loss solutions, we can offer thought leadership and expertise to improve solutions available to your business. Our risk knowledge helps us to understand this dynamic market so we can work together to develop solutions that adapt to new risks.

We're stop loss experts who take an open-minded approach

While we employ some of the most experienced and respected specialists in the industry, we pride ourselves on listening to you. Your feedback helps us develop flexible stop loss solutions that address challenges of the evolving risk landscape.

Customer-centric focus

With an unparalleled commitment to customer service, we make it easy to do business with us and go above and beyond to ensure our clients' stop loss needs are met. We’re addressing industry inefficiencies and customer pain points, to move the industry forward with tech-driven solutions – rethinking employer stop loss coverage with you in mind.

We're committed to service

Our commitment to excellence in sales and service for our clients extends both internally and externally. We apply fresh market perspectives, knowledge and capital to anticipate and manage the ever-changing employer stop loss industry risk. In doing so, we create smarter, sustainable solutions for our clients and for Swiss Re Corporate Solutions.

Traditional stop loss products

Specific stop loss limits the employer’s eligible medical expenses for each covered individual. Aggregate stop loss limits the employer’s overall annual costs for a self-funded plan. This coverage addresses the accumulation of expenses of all covered individuals on the plan period. 

Captive solutions

We collaborate with the industry's leading captive managers to provide stop loss coverage to their captive members. These programs are able to provide all the advantages of a traditional self-funded program with less volatility. They allow smaller employers a way to collectively reinsure their self-funded employee benefit plan and gain control over costs.

Organ Transplant Solution (OTS)

The OTS product allows our clients to carve transplant risk out of their medical stop loss coverage through a pooled transplant stop loss policy. OTS is offered on a stand-alone basis with a 12-month pre-existing condition limitation or underwritten in conjunction with our medical stop loss policy with no pre-existing limitation. We also allow the employer to choose their specific deductible up to $50,000 and whether their coverage will include out of network coverage (subject to state regulation, not available in all states).

What you can expect from our Accident and Health Claims Commitment

  • Accessible, Responsive, Transparent

  • 100% of all mail received is logged and in queue for processing within 1 business day

  • 95% of all claims are reviewed and adjudicated within 5 days

  • Open communication

We put our customers first and at the centre of everything we do.
We aim for no surprises when handling claims, and our focus is on working together to resolve your claims in a way that enables us to build a long-lasting relationship.

Further Information

Your service partner

You can expect a dedicated, empowered and​ passionate team of experienced Claims Professionals​ who will work with you to keep the​ claims process simple and straight forward yet tailored to your needs and business.

Your partner for purposeful collaboration

We will proactively communicate with you throughout the claims process to keep you informed on progress. If you have any claims inquiry, our focus will be to resolve it together as soon as possible.

Customer service is much more than simply meeting expectations. It is about trust, relationships, and resolving concerns through transparent and constructive discussions.

Why do business with our Accident & Health team?

Close partnership, financial strength and excellent sales, underwriting and claims services are some of the reasons our customers work with us. Watch our testimonials video below to find out more.

Industry feedback

  • Swiss Re is a first class organization and high-quality medical stop loss carrier. We have partnered with Swiss Re for a number of years and our experience with them ranging from Underwriting, Service, and Claims is always top-notch. From a claims perspective, Swiss Re's claims team always works with us and our clients to not only pay stop loss claims in a timely fashion, but will often times go above and beyond the normal process to help accommodate our clients' needs and ensure a smooth claims experience.
    Profile picture of Nathan Reuter
    Nathan Reuter Chief Sales & Marketing Officer, Strategic Benefit Resources, Inc.
  • Swiss Re Corporate Solutions and the A&H team have been an integral part of our (Lockton) risk management/mitigation strategy. The Swiss Re Corporate Solutions A&H team is at the leading edge, engaged, innovative and client focused – it is for these reasons our partnership with them has flourished. We value our partnership, as well as the expertise brought to the market by their team. In a market where the word "commodity" can be used frequently, the need for service, innovation and expertise is all the more evident. Swiss Re Corporate Solutions and the A&H team demonstrate these traits in their work/partnership with Lockton.
    Profile picture of Christian Moreno
    Christian Moreno Senior Vice President, Lockton

Stop loss policies are offered by the carrier Swiss Re Corporate Solutions America Insurance Corporation. Industry representatives are not compensated for their statements but may receive compensation for policies placed with and/or other services provided to Swiss Re Corporate Solutions America Insurance Corporation. Please see updated financial strength rating information at Financial strength ratings | Swiss Re.

Tags

contacts Get in touch

Further Information

components.articleTeaserArea

News & Insights

Further Information

Disclaimer

Insurance products underwritten by Swiss Re Corporate Solutions America Insurance Corporation. Not all products or coverages may be available in all jurisdictions.