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Provider Excess Loss Insurance

Health care reform is changing the risk landscape for all types of medical providers. Some of the factors increasing the risk profile of medical providers are: increasingly sophisticated and expensive technology, medical data security requirements, and the growing prevalence of capitation or other risk arrangements with HMOs and government programs.

Our Provider Excess Loss insurance products can provide protection to hospitals, physicians groups and other medical providers who have entered into the risk-bearing contracts. We can help manage and limit costs from members’ catastrophic illnesses, accidents, and other unanticipated losses.

Among the Provider Excess Loss products and services we offer are:

  • Ability to combine multiple HMO contracts into a single policy
  • Ability to provide higher limits ($2M, $3M, $5M or even unlimited)
  • Filed policy in 48 states plus Washington, DC and Puerto Rico
  • On-site account installation
  • Access to MedNet’s suite of managed care vendors
  • Alternative Funding Mechanisms
  • Aggregate coverage available for specialty carve-outs

Our goal is to get to the right answer, not just the right rate. Since each risk arrangement is unique, our talented team of underwriting professionals take the time to understand and analyze each medical provider’s risk and then develop a tailored risk solution.

As one of the largest and strongest reinsurers in the world, you can have the confidence that we stand solidly behind you. We not only underwriter your risk; we retain 100% of the risk with no need to rely upon others.  

All policies are issued by American Alternative Insurance Corporation (AAIC).  AAIC is rated A+ (Superior) by AM Best and is a member of the Munich Re Group.

Please contact Ms. Ellen Rodriguez at (978) 933-4042 to learn more about our Provider Excess Loss product.

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This publication is available exclusively to Munich Re clients. Please contact your Client Manager.