Product innovations in Critical Illness. Chris Reynolds - Head of Life Solutions Actuarial 12 th Geneva Association Health and Ageing Conference
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2 Product innovations in Critical Illness Chris Reynolds - Head of Life Solutions Actuarial 12 th Geneva Association Health and Ageing Conference
3 3 Disclaimer The following presentation is for general information, education and discussion purposes only. Views or opinions expressed, whether oral or in writing do not necessarily reflect those of PartnerRe nor do they constitute legal or professional advice.
4 4 protection insurance is the financial doctor when your physical health goes you have financial protection to give you money when you need it most. Dr. Marius Barnard Creator of Critical Illness Insurance Source: By Eric Koch / Anefo (Nationaal Archief) via Wikimedia Commons
5 5 protection insurance is the financial doctor when your physical health goes you have financial protection to give you money when you need it most. Dr. Marius Barnard Creator of Critical Illness Insurance Crusader Life sells first product Covers: Heart Attack, Cancer, Stroke and CABG Source: By Eric Koch / Anefo (Nationaal Archief) via Wikimedia Commons
6 6 What has happened since? Guaranteed or Reviewable TPD Many countries (UK, Australia, Canada, China ) Further core definitions Critical Illness Insurance Child CI Further Extended Definitions Variety of Distribution Channels Cancer Covers
7 7 What has happened since? Guaranteed or Reviewable TPD Many countries (UK, Australia, Canada, China ) Further core definitions Critical Illness Insurance Child CI Further Extended Definitions Industry Standard Definitions Cancer Covers
8 8 Asia Today Source: World Bank Individuals born in 2013 now anticipated to live well into their 70s or 80s
9 9 Asia Today Cancer (excluding non-melonoma skin cancer) Less Clear Trend for Cancer Source: International Agency for Research on Cancer
10 10 Asia Distinct Market Identities Japan Korea China CI popular since 1980s Focus on cancer-only products Lump sum on initial diagnosis Additional payments for hospital stays, outpatient visits and anti-cancer drugs Initially sold by Life companies, now mostly P&C insurers Wide variety of CI products Multi-pay, whole of life, staged cancer, and gender specific Comprehensive CI products and cancer only co-exist Fast moving competitive market Many product varieties available Focus on protection for catastrophic medical expenses Rider to savings products
11 11 Policy Stages Stage 1: Point of Sale Stage 3: Claim Time Stage 2: Inforce Management Where is the innovation in each of these stages?
12 12 Stage 1 Point of Sale Source:
13 13 Stage 1 Point of Sale Source:
14 14 Stage 2 Inforce Management Source: (left to right) Fitbit, Nike, Apple, Microsoft
15 15 Stage 2 Inforce Management
16 16 Stage 3 Claims Source:
17 17 Too Complex for Digital Distribution? More than 100 condition definitions
18 18 Innovation Through Simplification Critical Illness in China 100% Causes of CI related to gender, % Unknown 80% 70% 60% Other End stage renal disease 50% Coronary artery bypass surgery 40% 30% 20% Major organ transplantation Stroke 10% Myocardial infarction(mi) 0% Male Female Cancer >90% come from core conditions Source: China Association of Actuaries Mortality Investigation Office
19 19 Life Changing Event Easy Admin Simplified UW Core Cover Value Add Services Life Changing Event But what is a Life Changing Event?
20 20 Life Changing Event protection insurance is the financial doctor when your physical health goes you have financial protection to give you money when you need it most. A life changing event could be defined in 2 ways: 1) Consider the financial impact on an individual after diagnosis with a disease 2) Consider the loss of independence suffered by an individual after diagnosis with a disease
21 21 Protection Needs Life stage Critical Illness Mortality Income Protection LTC Juvenile Working Age Retired High Need Medium Need Low Need
22 22 CI Policies for the Elderly Improved life expectancy and a falling birth rate leads to a growing ageing population Medical Expenses Short Term Care Loss of Income Home Adaptations Insurable Need Remains
23 Annual Premium Health and Ageing Conference 23 CI Policies for the Elderly Hypothetical CI Rates 160, , , ,000 80,000 60,000 40,000 20,000 0 Limited Insured Data Affordability of premiums Different Diseases Age Move away from standalone product?
24 24 Old Age CI + Life Changing Event Old Age Critical Illness Cover Life Changing Event Pays on diagnosis of a condition Pays on loss of independence Long Term Care
25 25 Maintain Some Scepticism Source:
26
27 27 Chris Reynolds Head of Life Solutions Actuarial Phone:
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