Medical Excess
HCC Life Insurance Company offers Medical
Excess that gives clients a more predictable
way to spread the cost of high-dollar claims
over a number of years.
- Medical Excess is distributed
directly to insurance companies and
through select broker relationships.
- Purchasers of Medical Excess include
other insurance companies looking to
better manage their risk.
HCC Life provides creative coverage
options and competitive predictable pricing
to meet our clients’ risk management needs.
We do this together, by looking at the
future of the business, not just the past.
We underwrite for the long term and partner
in planning coverage that fits each
business’ needs. HCC Life Medical Excess
offers:
- A consistent long-term pricing
methodology validated by our continuing
success and long-term client
relationships
- Direct and immediate access to
dedicated service resources
- Extensive medical management
resources
- Customized claim and utilization
reporting packages
Product
Overview
- Specific (individual)
coverage
- Flexible
attachment point
- Generous
reporting provisions
- Contracts
that clearly define eligible
expenses
- Expert medical
management resources
- Timely
experience reports
Coverage
Availability
- Fully
insured group medical
- Fully
insured individual medical
- Medical
stop loss written by carriers/MGUs
Coverage
Options
-
Aggregating specific coverage
-
Alternative funding arrangements
(experience refund, swing rates,
riskshare corridor)
- Coverage
year or risk attaching coverage
- Different
deductibles by line of business
- Different
deductibles by diagnoses or claim
type
-
Coinsurance option
- Flexible
specific lifetime maximums
For more complete information, please
contact
an HCC Life Insurance Company Representative.
* Product availability and benefits
may vary by state.
Appointment Process
