Accident & Health Reinsurance

RMA can contribute to your success in the accident and health insurance market. Whether your goal is to develop a new line of business or enhance the performance of an existing product, we can help.

RMA gives insurers access to high-quality capacity through a global network of reinsurers. We also offer reinsurance program design, actuarial consulting and pricing, and third-party administration—all backed up by extensive market experience.

Our team’s extensive expertise in the reinsurance and retrocession business covers a wide range of short-term accident and health risks on a facultative, treaty, and whole portfolio basis.


RMA offers reinsurance capacity and program design for individual and group risks covered under a wide range of accident and health products:

  • Accidental Death & Dismemberment, including Carve-out
  • Short-term life, Disability, and Critical Illness
  • Travel Accident, Sickness and Evacuation
  • Credit Card Common Carrier Accidental Death & Dismemberment
  • Extended Health Care and Prescription Drugs

We offer reinsurance coverage for the following special risks:

  • War, Terrorism and Pandemic
  • High Limit and Keyman Coverage
  • Concentration Risks
  • Known or Unknown Clash
  • Abnormal Mortality or Morbidity
  • Amateur and Professional Sports
  • Student Accident
  • Unusual or Hazardous Avocation and Occupation


RMA has a strong history of working collaboratively with clients. We deliver the following services, any of which can be customized to fit your business and meet your goals:

  • Reinsurance program design
  • High quality reinsurance capacity
  • Reinsurance treaty and policy wording
  • Portfolio management and administration
  • Underwriting, pricing, and risk assessment
  • Actuarial consulting
  • Product development
  • Claims adjudication and litigation support
  • Auditing services
  • Analysis of new insurance products and territories

Reinsurance Methods

Our expertise covers short-term accident and health risks on a facultative, treaty or whole portfolio basis using the following reinsurance methods:


  • Quota share
  • Surplus of lines or variable quota share


  • Per person or per risk excess of loss
  • Known or unknown clash excess of loss
  • Multi-life catastrophe excess of loss
  • Aggregate mortality or morbidity stop loss

For more information, please call us at 416.408.2602 or contact us.