Accident & Health

Our Accident & Health business lines include Accident & Health Direct & Facultative.

Business lines

Accident & Health Direct & Facultative

Ark’s specialist Accident and Health underwriting team offers a wide range of personal accident and illness coverages. These include temporary or permanent disability, accidental death and dismemberment, travel, medical and contingent contract protection insurance. We write business on either a direct or facultative reinsurance basis.

Our experienced team works closely with UK and international clients, and applies market-leading technical expertise to help our partners develop new products and wordings. Ark claims adjusters are renowned for their detailed knowledge and for settling claims promptly and fairly.

The team specialises in growing long-term relationships with coverholders and producers to deliver highly innovative solutions that match their needs.

Our cover includes:

  • Personal and group accident and sickness
  • Personal and business travel
  • Multi-life catastrophe accumulation risk
  • Keyman protection
  • Buy/sell protection
  • Joint life/second to die
  • Income protection
  • Emergency medical repatriation
  • Credit card personal accident and travel
  • Sports disability (amateur and professional)
  • Aviation personal accident
  • War and terrorism personal accident, including nuclear, chemical, biological and radioactive cover
  • Medical expenses

Accident & Health Reinsurance

The Team has considerable experience in quoting and writing reinsurance on all types of business in the Accident and Health sector.

Risks are considered from anywhere in the world and can include most types of coverage including earthquake and Nuclear, Biological and Chemical terrorism if required.

Particular focus is made on Catastrophe and/or Risk protection of small to medium sized A&H and Life companies and although the majority of the business is written on a Non Proportional basis, Proportional or Stop loss will be considered if requested by clients and suitable to the coverage required.

Medical reinsurance, especially on a Per Person Cat basis and WCA on a multi life basis, as well as specific travel medical such as “Out of Province/Country” and “Expat” business, are considered

The syndicate underwriters are happy to work with clients and brokers, utilising their many years of market experience, to tailor coverage suitable to their requirements.

Looking for an underwriter or other key team member?