Large Claim Information

BEST RE requires large claim information to underwrite.

Large claims are defined as follows:

Ongoing Claims:

Social security number of claimant
Age, sex and dependent status
Total claims paid, pended, denied and processed to date
Date of onset and date last claim received
Diagnosis
Prognosis
Current status of claimant: active, disabled, terminated, retired or COBRA participant

BEST RE defines Ongoing Claims as follows:

Any claim in excess of 50% of the lowest requested specific deductible for the last three years OR
Any potential claim of a serious medical nature including but not limited to the Major Catastrophic conditions below.
Renal Failure
Major Organ Transplants (including stem cell or bone marrow)
Heart Surgery
Eating disorders (anorexia, bulimia)
Diabetes
Serious burns, (10% of the body with third degree or 20% of the body with second degree burns)
HIV/AIDS and related conditions
Serious Psychoneurotic Impairment
Multiple or Serious Fractures
Spinal Cord Injuries
Premature birth or significant congenital defects
Chronic Medical Conditions (requiring long term treatment or rehabilitation)
Cerebral Vascular Accidents
High Risk Pregnancies
Head Traumas or Brain Injuries
Amputations or permanent loss of limb(s)
Chronic blood disorders
Cancers
Neonatal High Risk Infants
Crushing or Massive Internal Injuries
Hospitalizations of more than 15 days and multiple hospital confinements
Loss of sight or hearing
Infusion Therapies
All other injuries or sickness which may, in the opinion of the administrator, reach the Specific Deductible

Prior Shock Claims Information

For Prior Shock Claims, we want to know the following:

Amount of claim(s) and date(s) paid
Current status of claimant; active, disabled, terminated, retired or COBRA participants