Question

In excess of loss reinsurances, how are occupational disease claims typically aggregated?

a.

Each employee's claim is considered a separate occurrence

b.

Claims are aggregated based on the insured's policy period

c.

Claims are aggregated based on the number of employees affected

d.

Each disease contracted by an employee is considered a separate occurrence

Posted under IC85 Reinsurance Management

Answer: (b).Claims are aggregated based on the insured's policy period Explanation:Occupational disease claims in excess of loss reinsurances are typically aggregated into one occurrence for all employees of the insured who contract the same disease during one original policy period. This means that claims arising from occupational diseases within a specific policy period are treated as a single occurrence.

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Q. In excess of loss reinsurances, how are occupational disease claims typically aggregated?
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