A&H Group Underwriting

Underwriting medical stop loss is the core business function of Tokio Marine HCC - A&H Group. In conjunction with superior underwriting services and products, we provide related value-added services such as catastrophic claim valuation through medical underwriting and actuarial review.

The products we offer are competitively rated, offering specific and/or aggregate stop loss insurance to employers with a minimum of 50 employees. Our goals are to offer tailor-made benefit packages, equitable rates and prompt and thorough service to our producers, plan sponsors and third-party administrators. We have both experienced support staff and creative, knowledgeable underwriters to accomplish these goals.

Our Quote Submission Checklist below indicates what is required for us to provide an accurate and competitive quote.

Cost Containment Solution Evaluation

In recognition of the increased importance of sound cost containment strategies for plan sponsors, Tokio Marine HCC – A&H Group actively reviews and evaluates cost containment solutions brought to us by our producer partners on behalf of their clients.  Preferred pricing is awarded to stop loss premium if our evaluation of a given solution results in an expected positive impact on stop loss claim exposure.

Network Evaluation 

Tokio Marine HCC - A&H Group is nationally recognized as a leader in underwriting medical stop loss insurance. Evaluation and qualification of networks by Tokio Marine HCC - A&H Group enhances a network’s marketability to producers and third-party administrators.

Our actuaries review data provided by the networks to analyze network discounts at different levels of care. Along with new network evaluations, all evaluated networks are reviewed annually based on both internal data and any data provided by the network that year, and all evaluations are updated accordingly. 

You can find our network evaluation documents below. 

Measuring Appropriateness

The results of our actuarial analyses are continually reviewed against our paid claims database for accuracy. If warranted, modifications are made to pricing models. Cost containment and network evaluations are ongoing review processes that reward superior cost containment and network value with the best discounts on stop loss premium.

 

Documents

Applications, forms & documents