RISK RADAR · BUSINESS LINE
Strategic risks that hit health and medical: medical, health, disability, long-term care.
ARGUS’S READING Steady · Swiss Re reports rising cancer incidence alongside potentially falling mortality; the combined effect on health claims remains uncertain.
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Insurance
Australian health fund HCF says mental health admissions account for 90% of its gold-tier claims, and its white paper warns that 1.2 million Australians could drop gold hospital cover within ten years without reform. HCF figures reported by Insurance Business show gold's share of hospital cover fell to 28% from 40% in 2019 as the average gold premium rose 71%.
NowBusiness model
Rising health premiums divert household savings, pressuring retirement and savings products sold by life insurers.
NowClaims and pricing
Mental health claims rising sharply, led by younger workers, pressure group health and disability underwriting.
NowClaims and pricing
Mental health claims rising sharply, led by younger workers, pressure group health and disability underwriting.
NowBusiness model
Alberta makes government plans payor of last resort and bars age-based cuts, reshaping private health benefit product design and cost.
NowBusiness model
Large Medicare Advantage exits signal margin pressure that forces insurers to shrink government health business.
5–10 yrsClaims and pricing
Falling cancer mortality alongside rising incidence shifts long-term life and health claims and pricing assumptions.
NowClaims and pricing
Chronic disease and diabetes treatment uptake keep Chinese medical cost inflation above general inflation, pressuring health claims.
NowClaims and pricing
A mass breach at a health insurer raises cyber accumulation and regulatory exposure for health books.
NowBusiness model
Rising insurance costs push employers toward individual health reimbursement arrangements, reshaping group health business.
NowClaims and pricing
Second sharp ACA premium rise signals medical cost inflation pressuring marketplace health cover.
1–3 yrsClaims and pricing
Health premiums set for a large 2027 jump, signalling medical cost inflation for health insurers.
NowClaims and pricing
Soaring mental health claims are driving up top-tier private health premiums, a loss trend that strains health pricing.
NowClaims and pricing
Hospital and insurer AI systems contesting claims are pushing medical costs up for health insurers.
5–10 yrsClaims and pricing
Extreme heat is emerging as a growing climate liability for life, health and pension books; effects are limited today.
