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Accident & Health

Guy Carpenter's Accident and Health team assists entities of all sizes to identify, evaluate, and manage your risk. With some of the most tenured professionals in the industry, our broking expertise and knowledge allows us to best structure reinsurance coverages to meet your unique needs, and achieve the most efficient terms from the market.

Today's Goals, Tomorrow's Opportunities

As a market leader in evaluating and managing accident and health risk, Guy Carpenter best positions you to achieve today’s goals, while helping you stay ahead of tomorrow’s challenges and opportunities. Guy Carpenter's global analytics digs deep to identify claim patterns, anomalies or business changes that would cause future experience to look different than a simple trended claim analysis would indicate.

Contact Us

  • David Rains

    Managing Director, Life, Accident and Health Practice Lead

    Philadelphia, US

    Shaun Scade

    Head of International Accident, Health and Life

    London, UK

Adapt With Agility

Combining our thorough analysis with an understanding of your goals, we develop the “story” behind your reinsurance placement and help you view your program through the lens of the markets. We simplify the complex evaluation of structure and pricing options, using our proprietary models and metrics, to assist your selection of the optimal reinsurance program.

As the largest contributor to U.S. GDP, the healthcare industry is constantly evolving, growing and maturing.

Medical payers and providers are learning to adapt to new value-based care arrangements, increasing frequency of large claims due to specialty pharma and gene and cell therapies, competitive pressures from data-driven startups and an ever-present desire to improve medical outcomes while lowering costs.

Similar challenges face group benefits and specialty carriers, who are also keenly focused on product innovation and customer engagement to grow market share.

With our global reach and client base, the Accident and Health team is involved in mortality, morbidity and the ongoing pandemic, along with our Marsh and Mercer colleagues.

Accident and Health Focus Areas

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    Medical Risk

    We take a holistic approach to evaluating our clients, and can help you incorporate best practices and emerging trends into your medical risk plan. We meet risk across the continuum of medical markets: Commercial Fully Insured, Medicare/Medicaid, Employer Stop Loss and Individual. Our depth of expertise allows us to support a wide range of risk takers, including Health Plans, HMOs, Employer or Provider Captives, ACOs, MGUs and Provider Groups.
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    Group Benefits

    With Guy Carpenter/Smith Group as your strategic partners, you can navigate the changing risk landscape with confidence. Together, we are widely regarded as the foremost experts in these products and their reinsurance, providing clients with assistance on actuarial, underwriting and claims management. Our seasoned professionals bring you extensive (re)insurance expertise, helping you meet emerging challenges as your group insurance business evolves.
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    Specialty

    Whether you are a carrier entering a new segment, an MGU expanding your product portfolio or an agent looking for innovative distribution platforms, Guy Carpenter’s Specialty team—with extensive experience in student medical, limited medical, disability and more—can help you forge partnerships for growth. From accident to healthcare, our experts will help you navigate the complex ecosystem of delivery linking capital, risk and consumers. Specialty also includes proportional and non-proportional reinsurance solutions from all over the world, with clients in over 35 countries.
  • Grounded in analytics and supported by dedicated health actuaries, our Medical Risk team develops and executes risk financing strategies focused on underwriting volatility reduction, surplus protection and capital optimization.

Powering Your Business With Insights

  • Segments

    Offering you specialized expertise that focuses market knowledge, product innovation and analytics on your unique challenges—to provide you with an enduring competitive advantage.
  • Risks

    Bringing together an unparalleled depth and breadth of capabilities and experience to turn your risks into profit and sustained growth.
  • Reinsurance Broking

    Tailoring your solutions to effectively and efficiently match the right capital with your evolving risk profile.
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