Large bodily injury claims in Europe. Swiss Re Nordics Motor Roundtable, August 2018, Anita Wackerl
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1 Large bodily injury claims in Europe Swiss Re Nordics Motor Roundtable, August 2018, Anita Wackerl
2 2
3 Trends in Motor Insurance Claims Managements Cross Border Claims Jurisdiction Bodily Injury claims Large Loss Scenarios
4 Trends in Motor Insurance Claims Managements Cross Border Claims Guarantee function in the Green Card Regulations EU-MIDs harmonization of MTPL regulations protection of victims increase of limits liability in case of uninsured or unregistered cars Jurisdiction Increasing number of regulations and conventions on national, EU and international level Place of jurisdiction Applicable law Bodily Injury claims No uniform methodologynational practices and compensation concepts differ Lump sum agreement vs. annuity payments Increasing costs of assistance/ care and pain & suffering etc. Increase of severity of injury pattern Large Loss Scenarios Tunnel accidents Train accidents Bus accidents Terror attacks
5 Key Drivers in Increase of Severe Bodily Injury Claims Trend: Amounts for (MTPL) bodily injury claims are rising Legal Changes Improved welfare Exploding Nursing/Healthcare costs Capitalization tables Life Expectancy Increased claims awareness
6 Longevity Bodily Injury Claim Claims Header 6
7 Loss of earnings Claims Headers Assistance (care) Pain and Suffering 7
8 BI losses in Germany Largest (reported) claim Loss background: Loss in 2016: 22 year old driver lost control of her car, collision with a tree. 2 people (single) died, 1 severe injured person, 1 only minor injuries. Severe injured person: Born 1994, single, trainee, estimated future monthly salary (net): EUR. Severe brain injury. (tetraplegia, no return to work, highest level of assistance/care) Total reserves for this case? 8
9 BI losses in Germany Largest (reported) claim Loss background: 22 year old driver lost control of her car; collision with a tree. 2 people (single) died, 1 severe injured person, 1 only minor injuries. Severe injured person: Born 1994, single, trainee, estimated future monthly salary: EUR. Severe brain injury. (tetraplegia, no return to work, highest level of assistance/care) Current reserves for severe injured person: Medical costs 0,5m EUR Care costs 12,2m EUR Salary 1,6m EUR total reserves currently 15,3m EUR Additional needs 0,5m EUR (incl. costs for minor injured and fatalities) Other 0,2m EUR 9
10 BI losses in the Nordic countires Largest (reported) claim in Norway Loss background: Accident of Insured person overturned -> collision with a motorcycle. Claimant male, born 1963, seriously injured. Suffered head injuries, fractures. Will not be able to work again. Future income is expected to be very high (Partner Lawfirm). Total reserves for this case? 10
11 BI losses in the Nordic countires Largest (reported) claim in Norway Loss background: Accident of Insured person overturned -> collision with a motorcycle. Claimant male, born 1963, seriously injured. Suffered head injuries, fractures. Will not be able to work again. Future income is expected to be very high (Partner Lawfirm). Future loss of income Treatment, aid, lawyer, lost income, med. assessment, costs NOK 12m NOK 8m total loss: 20m NOK (approx. 2m EUR) 11
12 Total claim costs in Europe as per 2012 Tetraplegia claims scenario, Disability Factor 100 % UK France Germany Belgium Austria Switzerland Czech Republic Italy Finland Spain Slovakia Poland loss of earnings assistance pain and suffering remainder 12
13 Total claim costs in Europe as per 2017 Tetraplegia claims scenario, Disability Factor 100 % 13
14 Developments in Assitance/Care
15 Case Management Reintra as an example 15
16 Technological Development E - health Implementation electronic devices for med. care and other und anderer tasks in the health care segment Medicine 4.0 Interconnectedness of medical care through IT / communication technology Opportunities for rehabilitation management? -> Opportunities in cases of doctors or nursing staff shortage -> digital integration in health care -> impact new technologies: * more safety at home * robots are helping patients use of intelligent assistance systems 16
17 What does this mean for you our Nordic clients? LONG TERM PARTNERSHIPS between insurance and reinsurance are KEY to JOINTLY COPE the current and future CHALLENGES of LONG-TAIL CLAIMS 17
18 18
19 Legal notice 2018 Swiss Re. All rights reserved. You are not permitted to create any modifications or derivative works of this presentation or to use it for commercial or other public purposes without the prior written permission of Swiss Re. The information and opinions contained in the presentation are provided as at the date of the presentation and are subject to change without notice. Although the information used was taken from reliable sources, Swiss Re does not accept any responsibility for the accuracy or comprehensiveness of the details given. All liability for the accuracy and completeness thereof or for any damage or loss resulting from the use of the information contained in this presentation is expressly excluded. Under no circumstances shall Swiss Re or its Group companies be liable for any financial or consequential loss relating to this presentation. 19
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