HCC Insurance Holdings - Accident and Health

Accident and Health

With the acquisition of LDG Management Company Incorporated in 1996, HCC began writing medical stop-loss insurance and made a pivotal entry into the Life, Accident and Health industry. Through subsequent acquisitions and by maintaining a strong underwriting focus, HCC has become a market leader in medical stop-loss insurance, as well as a solid player in the HMO reinsurance, provider excess, medical excess, sports disability, short term medical and international medical insurance markets. Its staff of underwriters, claim specialists, actuaries, and medical professionals collaborating makes it possible for HCC to consider unusual risks and offer underwriting flexibility on a case-by-case basis.

Medical stop-loss insurance is a major component of the business segment. Medical stop-loss insurance providers employers that self-fund their employee health benefits protection against catastrophic loss. More than 3,500 employer groups and five million lives across the United States trust HCC to protect their plan from unexpected catastrophic claims that can occur during a plan year. Aggregate and specific coverages are available to a diverse group of employers and providers, from those with as few as 50 covered lives to organizations employing thousands.

Short term medical insurance offers a solution for individuals transitioning between jobs, college students or recent graduates, children who are no longer eligible on their parents' plans due to age or status, those seeking an affordable alternative to COBRA, new employees waiting for group coverage to begin, and indidivuals not yet eligible for Medicare coverage.

HCC also offers high-limit sports disability insurance to protect against the future loss of earnings of athletes who may become temporarily or permanently disabled and can no longer continue their professional sports career. Coverage is available for the team or individual players.

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Famous quotes containing the words health and/or accident:

    Our young people are diseased with the theological problems of original sin, origin of evil, predestination, and the like. These never presented a practical difficulty to any man,—never darkened across any man’s road, who did not go out of his way to seek them. These are the soul’s mumps, and measles, and whooping- coughs, and those who have not caught them cannot describe their health or prescribe a cure. A simple mind will not know these enemies.
    Ralph Waldo Emerson (1803–1882)

    Predictions of the future are never anything but projections of present automatic processes and procedures, that is, of occurrences that are likely to come to pass if men do not act and if nothing unexpected happens; every action, for better or worse, and every accident necessarily destroys the whole pattern in whose frame the prediction moves and where it finds its evidence.
    Hannah Arendt (1906–1975)