Hélène Michaud

The breast cancer claim process

Do you sometimes wonder why underwriters make certain decisions? Need insight into the different claims processes or help explaining things to clients? This mini-series from Munich Re will provide some answers. A family history of cancer does not automatically lead to a declined critical illness insurance application. A number of factors must be taken into […]

By Hélène Michaud |June 19, 2009

4 min read

Living Benefits

Understanding multiple sclerosis

Primary-progressive MS — less common (10 to 15%), people with this type have a nearly continuous worsening of symptoms with no clear relapses or remissions. Relapsing-remitting MS — characterized by clearly defined attacks (relapses) followed by complete or partial recovery (remissions). This is the most common form representing 75% at the time of diagnosis. Relapsing-remitting […]

By Hélène Michaud |May 5, 2009

9 min read

Living Benefits

CI definitions: Covered conditions, explained (Part 2)

Last week we discussed an industry initiative led by Munich Re, that brought CI insurers together to create a new set of benchmark definitions for the Canadian marketplace. The language might be a bit much to get through, but this week we give you the new set of benchmark definitions created by committee members from […]

By Hélène Michaud |March 24, 2009

12 min read

Living Benefits

Demystifying CI definitions

Last year, an industry initiative led by Munich Re brought together a group of CI insurers to discuss the possibility of developing benchmark definitions for the Canadian market. The members of this committee represented over 80% of the Canadian CI market in terms of new business premiums and brought a wealth of expertise from underwriting, […]

By Hélène Michaud |March 18, 2009

6 min read