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Medical expenses insurance coverage provides a wide range of benefits for hospital, surgical and medical care. Other benefits can include the cost of private nurses, convalescent care and similar. At Tokio Marine Kiln our focus is mostly on partnering with specialist coverholders in this sector, although we also write excess of loss and quota-share reinsurance treaties – and, on occasion, large risks on a facultative basis.
The medical expenses insurance business at Tokio Marine Kiln comprises:
- US medical, incorporating specific and aggregate coverage, niche medical products and excess of loss programmes
- International medical insurance, offering protection to individuals and employer groups to cover costs of medical expenses on a worldwide basis. Policies vary greatly depending upon the territory of the insured and their own particular requirements. Insured clients are expatriates or local nationals in various worldwide locations
- Travel medical insurance, covering groups and individuals outside of their 'home' country
Limits will vary depending upon territories and individual client requirements.