Medical stop loss doesn’t have to be a boiler plate, off the shelf, cookie cutter product. It needs to be innovative and compelling.

Examples of out-of-the-box strategies include Experience Refund. Retrospective experience refunds allow policyholders to share in underwriting profits. A defined percentage of the net profit is shared as accrued under the Employer Stop Loss policy and within the defined policy period.

Another example is Laser Pooling. The laser pool enables policyholders to transfer riskier claimants into a single liability fund.

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