Albion Risk Consulting, S.A.

Healthcare is a significant cost medium sized corporations face. Guaranteed cost plans are available but they are very expensive and costs increase year on year.  There are some options available to help manage costs but they can have major downsides.

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A partially self insured program can be a great idea but the thought of taking on a large enough deductible to be of real benefit in reducing premiums can be a scary prospect. 

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A group healthcare plan can mean having to accommodate the groups plan, change your insurance agent and you may have to change your healthcare provider.

 

If you go with a captive group program it may be that membership of the group captive will mean a heafty capital requirement and ongoing costs. If you already have a captive insurance company for your P&C risks that means doubling up on costs.  

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Albion has designed a Healthcare Stop Loss plan available to captive owners and insurance managers that brings together the benefits of other plans but without the downsides. if you like your doctor you can keep your doctor. If a larger deductible scares you we will help smooth out the volatility of results. If you have an existing captive the marginal cost of this program is very low. 

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Access to the program is quick and because of the short tail nature of the insurance exiting is simple too. 

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Contact Us to find out more.