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            Critical illness

            Hannover Re has long been a leading player in the critical illness market. Ever since the product concept was first developed in South Africa, we have been one of the main reinsurers in this area, believing it offers huge opportunities for innovation and the creation of tailormade niche proposition variants.

            Unlike policies such as income protec颅tion or private medical insu颅rance, which are designed to protect policy颅holders against lost income or medical costs incurred, critical illness does not indem颅nify the policy颅holder. Instead it provides a lump sum (or sometimes regular pay颅ments) should they suffer a defined medical condi颅tion, reach a defined degree of impair颅ment, or under颅go a parti颅cular sur颅gical procedure.

            Its complex hybrid nature suits critical illness to a wide variety of product design approa颅ches. Our clients benefit from our long颅standing and wide-ranging experi颅ence with diffe颅rent types of critical ill颅ness products around the world, posi颅tioning Hannover Re uni颅quely well to provide expert gui颅dance and to bring fresh ideas and insights to the table.

            We have an esta颅blished track record as inno颅vators in the critical illness market. For example, we part颅nered with a leading UK life insurer to design the first severity-based critical illness product in that market, and remain active members of their team to this day.

            The product in question current颅ly covers more than 160 diffe颅rent condi颅tions, for each of which we have identi颅fied appro颅priate pricing para颅meters, workable medical defini颅tions as well as appro颅priate under颅writing proto颅cols and point of sale rules. The expe颅rience we have gained here has brought us an unri颅valled under颅standing of the pricing and under颅writing consi颅derations appro颅priate to a uniquely wide range of condi颅tions.

            Claims manage颅ment is one of the areas in which we can add parti颅cular value, both through the access we offer to dedi颅cated medical experts and through the fle颅xible and holis颅tic approach we take to claims adjudi颅cation.

            This involves looking beyond the strict wording of a defi颅nition to the spirit of the contract and the broader objec颅tive of treating clients fairly.

            Our clients bene颅fit from the involve颅ment of a full service rein颅surer, ready and willing to provide as much or as little support as they require. We are capable of be颅coming fully em颅bedded in our clients' product design teams, of sharing our expert product know颅ledge or capabi颅lities in certain key areas, or simply sharing the risk as reinsurer.

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