Rise of High-Cost Insurance Claims Elevate Need to Mitigate Financial Risks, according to QBE North America's Accident & Health Market Report
QBE North America (OTC:QBIEY) has released its 2025 Accident & Health Market Report, revealing significant increases in high-cost insurance claims. The report highlights that circulatory claims frequency has risen nearly 60% post-COVID, while neoplasms remain the primary excess loss claim across all deductible levels.
The report identifies several critical trends, including escalating preterm birth claims reaching nearly $4 million in 2024, increased prevalence of circulatory disease among younger patients, and growing impact of specialty pharmaceuticals. QBE North America, which reported Gross Written Premiums of $7.3 billion in 2024, has expanded its offerings to include specialized stop loss solutions for organ transplant coverage, Taft-Hartley, multi-employer and union health plans.
The company emphasizes the importance of stop loss insurance as a risk management tool for self-funded employers, particularly in light of emerging legislative challenges to ERISA and record-breaking approvals for cell and gene therapies.
QBE North America (OTC:QBIEY) ha pubblicato il suo Rapporto sul Mercato Accidenti e Salute 2025, evidenziando un aumento significativo delle richieste di risarcimento assicurativo ad alto costo. Il rapporto sottolinea che la frequenza delle richieste relative a patologie circolatorie è aumentata di quasi il 60% dopo il COVID, mentre le neoplasie rimangono la principale causa di perdite eccedenti su tutti i livelli di franchigia.
Il rapporto individua diverse tendenze critiche, tra cui l’aumento delle richieste per nascite premature che raggiungono quasi 4 milioni di dollari nel 2024, la maggiore diffusione delle malattie circolatorie tra pazienti più giovani e l’impatto crescente dei farmaci specializzati. QBE North America, che ha registrato premi lordi contabilizzati per 7,3 miliardi di dollari nel 2024, ha ampliato la sua offerta includendo soluzioni specializzate di stop loss per la copertura dei trapianti d’organo, piani sanitari Taft-Hartley, multi-datore di lavoro e sindacali.
L’azienda sottolinea l’importanza dell’assicurazione stop loss come strumento di gestione del rischio per i datori di lavoro autofinanziati, soprattutto alla luce delle nuove sfide legislative a ERISA e delle approvazioni record per terapie cellulari e geniche.
QBE North America (OTC:QBIEY) ha publicado su Informe del Mercado de Accidentes y Salud 2025, revelando aumentos significativos en reclamaciones de seguros de alto costo. El informe destaca que la frecuencia de reclamaciones circulatorias ha aumentado casi un 60% después del COVID, mientras que los neoplasmas siguen siendo la principal causa de pérdidas excesivas en todos los niveles de deducible.
El informe identifica varias tendencias críticas, incluyendo un aumento en las reclamaciones por nacimientos prematuros que alcanzan casi 4 millones de dólares en 2024, una mayor prevalencia de enfermedades circulatorias entre pacientes más jóvenes y el creciente impacto de los fármacos especializados. QBE North America, que reportó primas brutas emitidas por 7.3 mil millones de dólares en 2024, ha ampliado su oferta para incluir soluciones especializadas de stop loss para cobertura de trasplantes de órganos, planes de salud Taft-Hartley, multi-empleador y sindicales.
La compañía enfatiza la importancia del seguro stop loss como herramienta de gestión de riesgos para empleadores autofinanciados, especialmente ante los desafíos legislativos emergentes para ERISA y las aprobaciones récord para terapias celulares y génicas.
QBE North America (OTC:QBIEY)는 2025년 사고 및 건강 시장 보고서를 발표하며 고비용 보험 청구가 크게 증가했다고 밝혔습니다. 보고서에 따르면 코로나 이후 순환기 질환 청구 빈도가 거의 60% 증가했으며, 신생물은 모든 공제 수준에서 주요 초과 손실 청구 항목으로 남아 있습니다.
보고서는 2024년에 약 400만 달러에 달하는 조산 청구 증가, 젊은 환자들 사이에서 순환기 질환의 유병률 증가, 전문 의약품의 영향력 확대 등 여러 중요한 추세를 지적합니다. 2024년 총 보험료 73억 달러를 기록한 QBE North America는 장기 이식 보장, Taft-Hartley, 다고용주 및 노동조합 건강 플랜을 위한 특화된 스톱로스 솔루션을 확대했습니다.
회사는 특히 ERISA에 대한 새로운 입법 도전과 세포 및 유전자 치료제의 기록적인 승인에 비추어, 자기부담 고용주를 위한 위험 관리 도구로서 스톱로스 보험의 중요성을 강조합니다.
QBE North America (OTC:QBIEY) a publié son rapport sur le marché des accidents et de la santé 2025, révélant une augmentation significative des réclamations d'assurance à coûts élevés. Le rapport souligne que la fréquence des réclamations circulatoires a augmenté de près de 60 % après le COVID, tandis que les néoplasmes restent la principale cause de pertes excessives à tous les niveaux de franchise.
Le rapport identifie plusieurs tendances clés, notamment l’augmentation des réclamations pour naissances prématurées atteignant près de 4 millions de dollars en 2024, une prévalence accrue des maladies circulatoires chez les patients plus jeunes, et l’impact croissant des médicaments spécialisés. QBE North America, qui a déclaré des primes brutes émises de 7,3 milliards de dollars en 2024, a étendu son offre pour inclure des solutions spécialisées de stop loss pour la couverture des greffes d’organes, les plans de santé Taft-Hartley, multi-employeurs et syndicaux.
L’entreprise souligne l’importance de l’assurance stop loss en tant qu’outil de gestion des risques pour les employeurs auto-assurés, notamment face aux défis législatifs émergents concernant l’ERISA et aux approbations records des thérapies cellulaires et géniques.
QBE North America (OTC:QBIEY) hat seinen Unfall- und Gesundheitsmarktbericht 2025 veröffentlicht und dabei erhebliche Zunahmen bei hochpreisigen Versicherungsansprüchen offenbart. Der Bericht hebt hervor, dass die Häufigkeit von Kreislaufansprüchen nach COVID um fast 60 % gestiegen ist, während Neubildungen weiterhin der Hauptgrund für übermäßige Verluste auf allen Selbstbehaltsebenen sind.
Der Bericht identifiziert mehrere kritische Trends, darunter steigende Frühgeburtsansprüche, die im Jahr 2024 fast 4 Millionen Dollar erreichen, eine zunehmende Verbreitung von Kreislauferkrankungen bei jüngeren Patienten und die wachsende Bedeutung von Spezialpharmazeutika. QBE North America, das im Jahr 2024 Brutto-Prämieneinnahmen von 7,3 Milliarden Dollar meldete, hat sein Angebot um spezialisierte Stop-Loss-Lösungen für Organtransplantationsversicherungen, Taft-Hartley-, Mehrarbeitgeber- und Gewerkschaftsgesundheitspläne erweitert.
Das Unternehmen betont die Bedeutung der Stop-Loss-Versicherung als Risikomanagementinstrument für selbstfinanzierte Arbeitgeber, insbesondere angesichts der aufkommenden legislativen Herausforderungen für ERISA und der rekordverdächtigen Zulassungen für Zell- und Gentherapien.
- Gross Written Premiums reached $7.3 billion in 2024
- Expanded offerings including specialized stop loss solutions
- Enhanced coverage options for organ transplant, Taft-Hartley, and multi-employer plans
- Introduction of group medical stop loss captives for better cost control
- Circulatory claims frequency increased by 60% post-COVID
- Preterm birth claims severity escalating to nearly $4 million
- Growing strain on patient affordability due to specialty pharmaceuticals
- Emerging legislative challenges to ERISA affecting self-funded health plans
"As treatment options grow more advanced and costly, employers are facing rising pressure to control volatility in their self-funded healthcare plans," said Tara Krauss, President of Accident & Health at QBE North America. "Our goal is to equip brokers, administrators and employers with actionable insights to navigate these changes with confidence."
The report shows the frequency of circulatory claims has risen almost
Key themes explored in the 2025 report include:
- Increased prevalence of circulatory disease rates post-COVID, particularly among younger patients, is a significant concern
- Emerging high-cost claim trends, including million-dollar claims for cancer, circulatory conditions and pre-term births
- Growing impact of specialty pharmaceuticals and continued strain on patient affordability
- Record-breaking cell and gene therapy approvals, with advanced treatment options for autoimmune diseases and rare genetic conditions
- Societal factors that could be driving the health crisis in America such as antibiotic overuse and processed food consumption
- Legislative challenges to ERISA, as several states introduce bills targeting self-funded health plans
This year's report also highlights QBE's expanded offerings, including tailored stop loss solutions for organ transplant coverage, Taft-Hartley, multi-employer and union health plans, and continued momentum in group medical stop loss captives, which provide greater stability and cost control for policyholders.
"As the healthcare landscape continues to shift, stop loss insurance remains a critical tool for employers looking to manage risk and protect their plan assets," Krauss added. "Our annual report reinforces QBE's commitment to supporting self-funded employers with data-driven solutions and trusted expertise."
About QBE North America
QBE North America is a global insurance leader helping customers solve unique risks, so they can stay focused on their future. Part of QBE Insurance Group Limited, QBE North America reported Gross Written Premiums in 2024 of
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SOURCE QBE North America
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