Coverages / Accident and Health

Accident & Health

Businesses and organizations need reliable Accident & Health coverage for their employees and operations locally, and around the world. Starr offers flexible solutions for different segments through Lloyd’s and the company market that adapt as the industry evolves.

Risk Appetite

  • Individual and Group Personal Accident
  • High Net Worth Disability Income
  • Facultative Reinsurance
  • Treaty Reinsurance: both proportional and non–proportional
  • Credit Card
  • Retail / Corporate Travel
  • Professional Sports
  • Contract Protection Insurance (CPI)
  • Ship’s Crew
  • Aviation Loss of License and Seat PA
  • Medical Expenses
  • Critical Illness and Injury

Distribution Solutions

  • Direct
  • Wholesale
  • Delegated Authorities including Managing General Agents and Coverholders

Market Leading Capacity

Maximum limits:

  • On any one person USD 10m
  • On any one event USD 30m

Key Competencies

  • Lloyd’s Syndicate:
    • A+ (Excellent) Financial rating from S&P and A (Excellent / Strong) Financial rating from A.M. Best
  • Starr:
    • A (Excellent / Strong) financial rating from A.M. Best
  • We write a large A&H book of circa GWPI USD 70M per annum
  • Ability to operate on both a retail and wholesale basis
  • Access to our Lloyd's Platform, SEIL & SIEL, with the ability to write worldwide
  • Proven track record for innovation allowing for changes in market conditions
  • Flexibility to design and create bespoke products to meet client needs
  • Strong relationships with Coverholders, Managing General Agents & Brokers

Excluded Classes

  • Active war exposures
  • Occupational disease / cumulative trauma
  • Long term disability (guaranteed renewable)
  • Standalone Third Party or Personal Liability (this may be written as part of a travel package)
  • Medical Expense business which could fall under the USA Patient Protection & Affordable Care Act (PPACA) regulations

Typical Coverage Offered Includes

  • Accidental Death & Dismemberment
  • Permanent Total Disablement
  • Temporary Total Disablement
  • International Medical Expenses
  • Evacuation and Repatriation

Methods of Placement Utilised Include

  • Direct / Facultative
  • Proportional Reinsurance (Quota Share)
  • Non-Proportional Reinsurance (Excess of Loss)
  • Binding Authorities
  • Lineslips

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