Frequently asked questions

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Insurers

Any supervised life insurer can reinsure risks with DH Reinsurance. An assignment must made for this at DH Reinsurance.

DH Reinsurance has an assignment policy for insurers. The presence of a permit, a good governance structure, reliable directors and a good financial position are important criteria for qualifying for an assignment. Feel free to contact us to discuss the possibilities.

Yes, we will conclude a facultative reinsurance agreement with you. In general, this can be concluded in addition to an obligatory contract.

DH Reinsurance is a relatively small organization and therefore does not have a rating from one of the well-known rating agencies. DH Reinsurance does have a strong solvency position and uses a solvency ratio of at least 200% for its internal standard. This means that the counterparty risk you run as an insurer is relatively small (comparable to companies with an A rating).

Financial advisors

We are happy to tell you more about our way of working. Please contact us so that we can help you and your customer in the best possible way.

You cannot always tell from their appearance whether someone has a medical condition or has been ill. By asking your client if he or she expects the application may not be accepted on medical grounds, you can better estimate which route to take. If there is a medical condition, when you submit the application you can notify the insurance company in advance of the existence of DH Reinsurance. Alternatively, you refer your client to one of our collaborative partners. By doing so, the chance of a rejection or an excessive premium is minimized.

General

We believe that everyone should have access to life insurance, even people with a medical condition. That is why we offer insurers the opportunity to assign to us medical risks that they do not want or cannot insure themselves.

DH Reinsurance has three Dutch shareholders: a.s.r., Nationale-Nederlanden and Onderlinge 's-Gravenhage. They own a proportional share of the shares.

Taking out life insurance entails a risk for the insurer: the risk that the insurer must pay in the event of death. The insurer can also insure this risk itself. This involves reinsurance.

We use your data to assess the mortality risk to be insured and, if necessary, to reinsure this risk. We are aware that the files we process contain a lot of privacy-sensitive personal data. We therefore handle this very carefully.

We are a Dutch reinsurer. In the Netherlands we operate under the name De Hoop, abroad under the name DH Reinsurance. Outside the Netherlands we have partnerships with insurers in Belgium, France, Germany, Liechtenstein, United Kingdom and on Curaçao, Aruba and Sint Maarten.

DH Reinsurance has a license for the reinsurance business and is registered in the Register of Reinsurers.

DH Reinsurance is a member of the Dutch Association of Insurers and endorses the applicable codes of conduct.