We offer custom vertical integration solutions for hospitals which allow them to participate in the marketplace by being able to offer competitive medical insurance programs. In addition to managing costs, this arrangement also affords hospitals the ability to exercise greater control in ensuring consistent quality of their products and services.

RICS is uniquely positioned in assimilating all components necessary for a streamlined and successful vertical integration arrangement, including actuarial pricing, policy forms, insurance licenses, specialty carve-out contracts, and excess loss reinsurance coverage for catastrophic claims.

We also provide assistance in establishing and managing captive programs which hospitals may use as a platform for transferring risks pertaining to physician and hospital liability or hospital medical risk. Additionally, we offer consulting services in relation to the pricing and structure of pass-through arrangements to enroll licensed reinsurers in a captive program.

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