The sustained growth and global expansion of RGA’s health business are the direct result of forward-looking investments in systems, processes, and people to help our clients compete, both now and in the future.
Truly living RGA’s purpose, we strive to deliver financial protection to all and bridge the global health protection gap.
Benefit from much more than a business-as-usual partnership. With our medical and technical expertise, research capabilities, and emphasis on innovation, RGA’s team provides deeper health insights. For the fifth consecutive year in 2022, RGA was most often identified as best-in-class for medical by ceding companies on NMG Consulting’s Global Life & Health Reinsurance Study.
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We specialize in customized, health-related product and reinsurance propositions that combine an in-depth understanding of and presence in local markets and the insights of a multi-disciplinary global health team. These include reinsurance structures and benefits for medical expense, from full medical reimbursement and disease-specific to hospital and surgical and dental plans.
Globally, healthcare is moving rapidly to a data-driven, patient-centric model in which the patient is an active player, not a passive recipient. RGA's emergence as a health reinsurance leader has been fueled by innovative solutions to navigate this transition. Benefit from our RASCL automated solution for claims leakage, and the health-specific data warehousing and analytical infrastructure HELIX. Or explore our healthcare ecosystems, including the groundbreaking health insurance ecosystem Heidi as well as established wellness and disease management partnerships with insurtechs, third-party vendors, and third-party administrators (TPAs).
Digital health technologies are fast entering the mainstream, from wearable fitness trackers to home hospitals. Our Global Health team delivers solutions, research, and propositions that leverage health advances to add value.
Speak to us about ways our health insurance ecosystem Heidi, global surveys and research, provider due diligence frameworks, and wearable reward risk models can help you and guide your digital health strategy.
RGA’s teams of dedicated and specialist health actuaries have an expert understanding of health markets, health products, and health data. We work with clients to develop innovative health products and risk management solutions in markets across the globe, leveraging our deep rate-making expertise in a wide range of products and in proportional and non-proportional reinsurance.
RGA offers market-leading health underwriting expertise, exceptional access to risk management experts, and proprietary tools to help our clients navigate an ever-changing health insurance landscape across the globe. Our health underwriting experts are spread across all key markets and work in partnership with clients to:
Our key underwriting tools include Global Underwriting Manual and AURA NEXT. The RGA Global Underwriting Manual is a comprehensive, easy-to-use guide that provides instant access to risk classification information and helps underwriters make knowledgeable decisions on health benefits like Hospital Cash and Medical Reimbursement. AURA NEXT is a decision-management platform powered by RGA's underwriting and analytics expertise that supports fast, flexible, and reliable automated underwriting for health businesses. In addition, we offer a range of underwriting services to support our health insurance clients including process reviews, quality assurance and auditing expertise, product development inputs, and training opportunities.
Bridge the talent gap with best-in-class training and knowledge-sharing resources from the RGA Health Academy. As health markets grow globally, so do the complexities of risk management, product design, and market differentiation. RGA’s Health Academy brings together actuarial, research, product development, claims, and underwriting communities of practice to increase knowledge sharing and advance the industry.
RGA's record of successful product launches is unmatched. For the 11th consecutive year in 2022, we were ranked #1 in product innovation by ceding companies on NMG Consulting's Global Life & Health Reinsurance study. We offer a multidisciplinary approach to health-related reinsurance solutions. Our specialist local health reinsurance teams are supported by medical doctors, actuaries, underwriters, and claims management professionals around the globe. We partner with clients to provide customized health propositions that result in sustainable, profitable portfolios. Our leading global position allows us to view product structures and designs and offer advice on transportability into local markets. We also offer deep technical expertise, strong research capabilities, and an innovative mindset.
RGA delivers health product solutions for all, including untapped segments such as impaired lives and the elderly. We support a range of health reinsurance solutions, offering Quota Share and Excess covers individually or in combination, and we work with Individual and Group providers on a local or multinational basis. By truly living RGA’s purpose, we strive to deliver financial protection to all and bridge the global health protection gap.
Senior Vice President, Head of Global Health
RGA Global Health
Work with a reinsurer with the strategic vision to keep pace with transforming global health markets.
