Chiltington International– Insurance & Reinsurance Consultants

Accident & Health Claim and Underwriting Services

Chiltington’s consultants are well-versed in all aspects of Accident & Health coverages and can provide technical expertise to its insurance and reinsurance clients for any and all claims, premiums, and underwriting issues, for reinsurance coverages, both on a treaty and facultative basis.

Accident coverages may include the following types of risks:

Travel Accident - quota share, excess of loss, and catastrophe excess of loss.
Personal Accident - quota share, excess of loss, and catastrophe excess of loss.
Voluntary Personal Accident - quota share, excess of loss, and catastrophe excess of loss, including credit card covers.
Accidental Death and Dismemberment - including Life portion of risk.

Health Coverages may include the following types of risks:

Portfolio Medical Excess of Loss and/or Quota Share arrangements;
Self-funded Specific and Aggregate Coverages;
Provider Excess Arrangements;
Captive Markets; and
Workers' Compensation (carve-out) risks - Treaty or Facultative risks including State Fund and/or alternative workers' compensation markets.

Chiltington's A&H services include the following:

Claim and Underwriting Audits and Inspection of Records, including:
- Pre-binding audits - An all-encompassing review of each aspect of a company's operations.
- TPA Audits - Audits conducted on a prospective and retrospective basis.
- MGU (and MGA) Audits - Conducted on a pre and post binding basis.
- Risk Specific Audits - Pointed audits targeting specific risks.
- Case Management Set-up and Review - Chiltington can assist you in establishing your own Case Management Program or retool an already existing program.
- Commutation and Settlement Analysis (including structured settlements).
- Litigation Support - including expert witness testimony.
- Premium Review and Tracking - verification of premium charged and collected.
- Run-off Administration for all types of A&H and Workers' Compensation risks.
- Underwriting Reviews and Audits to determine strengths and weaknesses in underwriting guidelines and controls.

Let Chiltington's wide-ranging expertise in the Accident & Health and Special Risk fields serve your inspection, control, and implementation requirements.