Kismet Risk Management Associates, LLC
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      • Clinical Management
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      • Underwriting Forms
      • Claims Forms
      • Accounting Forms
      • Questionnaires
      • Marketing Brochures
    • About Us
      • Meet The Team
      • Contacts
      • Come Work with Us!
    • Submit an RFP
    • COVID-19
    • HAPPY HOLIDAY WISHES
Kismet Risk Management Associates, LLC
  • Home
  • Submit an RFP
  • COVID-19
  • HAPPY HOLIDAY WISHES

underwriting

The KRMA Underwriting team has over 50 years of collective underwriting experience in not only medical group stop loss, but also in individual medical underwriting and international medical.  Whether our customers are looking for specific and/or aggregate stop loss coverage over a  traditional self funded health plan, or within an alternative funding arrangement, all members of the team are equipped to develop a complete stop loss solution to meet our customers' needs. 

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Specific (Individual) Stop Loss

A roof over each member of your health plan's claims.

Specific stop-loss provides protection for the employer against high claims on any one individual member.  


KRMA offers:

  • Specific Deductibles ranging from $50,000 and up
  • Specific only coverage
  • Aggregating Specifics
  • Specific Claim Advancement
  • Specific Terminal Liability

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Aggregate (Group) Stop Loss

A shielding group hug around the claims of all members within your health plan.

Aggregate stop-loss provides protection for the employer against total group claims during a contract period.


KRMA offers: 

  • variable Aggregate Attachment Points
  • Aggregate Accommodation
  • Aggregate Terminal Liability


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Captive & Alternative Funding Options

Shaping new ideas to meet customers' health plan needs.

Stop loss solutions that group together like minded and high-performing policyholders to provide cost stability and accountability in self funded health plans. Various arrangements available via our partner Program and Captive Management companies.

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Cost Containment Solutions

 Outside the box solutions to helps customers mitigate health claim spend.  


We offer a suite of value added services that can be accessed through specialty vendors; including but not limited to data analysis, plan document review, out of network repricing, specialty drug carve-outs, and cost containment intervention programs.

Summary of UW Guidelines (pdf)

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