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Get in-depth market research for Insurance companies in Canada, Quebec, Montreal. Our experts analyze trends, gather valuable insights, and identify key opportunities to drive your business growth.
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No, short-term disability insurance is not federally required, but some states, such as California, New York, New Jersey, Rhode Island, and Hawaii, have mandated short-term disability programs. In other states, coverage is optional and may be offered by employers or purchased individually.
In proportional treaty reinsurance, the reinsurer and the ceding insurer share both premiums and losses in a fixed proportion. Common types include quota share and surplus treaties, which determine how much risk is transferred to the reinsurer.
While policyholders do not pay directly, insurers may incorporate the cost of guaranty fund assessments into premium pricing, potentially leading to slightly higher rates.
RPA automates repetitive tasks like claims processing, policy administration, and customer queries, improving operational efficiency and reducing errors. It enables insurers to streamline back-office functions, enhance compliance, and allocate human resources to higher-value activities, such as personalized customer interactions and complex claims assessments.
Reinsurance is a practice where an insurance company purchases insurance coverage from another insurer to limit its risks. International insurance laws regulate how reinsurance agreements are structured and enforced globally.
Many insurers offer accident-only coverage for senior pets, as it does not consider age-related illnesses like comprehensive plans do.
Most HMOs provide prescription drug coverage, but the medications must be on the plan’s formulary (approved drug list). Some prescriptions may require prior authorization or step therapy before being covered.
A low loss ratio indicates that the insurer is paying fewer claims relative to the premiums collected, which could mean better profitability but may also suggest strict claim approvals.
Get in-depth market research for Insurance companies in Canada, Quebec, Montreal. Our experts analyze trends, gather valuable insights, and identify key opportunities to drive your business growth.