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Services de santé

Les organisations du secteur de la santé sont confrontées à de nombreux risques. Notre équipe compétente et dévouée de professionnels de l'assurance et du risque peut vous aider à gérer les incertitudes actuelles avec une prévisibilité accrue.

Dans le contexte de la pandémie de COVID-19, les fournisseurs de soins de santé sont devenus l'une des catégories de travailleurs les plus essentielles au monde. Les professionnels du secteur ont mis en danger leur santé et leur sécurité pour tenter de contenir la propagation de la maladie localement et dans le monde entier. Bien que de nouveaux traitements et vaccins aient permis de contrôler la propagation de la COVID-19, le secteur de la santé reste en première ligne. Son objectif est de traiter les patients tout en recherchant des innovations en matière de technologies et de pratiques de soins. Les organisations doivent comprendre l'évolution du paysage des risques et la manière dont le marché de l'assurance s'adapte et réagit.

Le service Healthcare Practice de Marsh aide les clients à définir, concevoir et fournir des solutions qui répondent aux besoins uniques des fournisseurs et des payeurs. Grâce à une compréhension approfondie des défis actuels en matière de santé, notre équipe élargie de professionnels de l'assurance et de la santé est à vos côtés pour définir le profil de risque de votre organisation. Ensuite, nous utilisons les analyses les plus puissantes du secteur pour vous aider à quantifier vos risques et à jauger dans quelle mesure il convient de les atténuer, conserver ou transférer.

En identifiant les expositions et en gérant le coût total des risques, votre organisation pourra prospérer pendant cette période d'incertitude : amélioration du flux de trésorerie, réduction des coûts et de la volatilité des résultats, plus grande capacité à prévoir les risques et à les budgétiser.

Informations connexes


Hospitals and other care providers, including physicians groups such as senior care facilities, continue to face several emerging and historic industry-related challenges, including:

  • Staffing shortages: Increasingly, healthcare organizations are struggling to recruit and retain qualified employees. As the global population ages and a need for care grows, employers will have to budget for higher pay and benefits programs to continue to attract experienced staff.
  • Cyberattacks: Although new technology is helping to improve processes and enhance care quality, it also creates a greater vulnerability for incidents related to ransomware and noncompliance with HIPAA and other data privacy regulations.
  • Patient safety: Failure to ensure patient safety can potentially lead to preventable injuries or illnesses and death, high litigation costs, increased liability, and severe reputational impact to facilities and health systems.

Although overall capacity in the healthcare market appears to be stable following the pandemic, many insurers are being selective about what new business and renewals they are willing to write, and pricing continues to be challenging.

A captive insurance company is a subsidiary owned by one or more parent organizations established primarily to insure the exposures of its owners. The captive assumes a portion of the risks insured, and the balance is assumed by another insurance company, known as a reinsurance company. Some of the potential benefits of a captive include:

  • Increased coverage and capacity.
  • Investment income to fund losses.
  • Direct access to wholesale reinsurance markets.
  • Funding and underwriting flexibility.

Through a captive, healthcare organizations can achieve greater transparency and control, while also getting the stability of being a participant, mitigating the risk and volatility associated with high severity/low frequency claims.

Directors and officers (D&O) liability insurance is a form of coverage designed to protect individuals from personal losses if they are sued as a result of serving as a director or an officer of a business or other type of organization.

A D&O policy can provide coverage for some of the areas that are most concerning to healthcare providers, such as peer review and credentialing, as well as allegations of antitrust, HIPAA violations, and regulatory claims.

Senior care organizations must manage a shortage of caregivers and increasing demands on facilities and services. Property hazards and the safety of employees, patients, and residents are key concerns for any senior care organization.

In addition to traditional property and casualty risks, the emergence of cyber threats should also be considered when evaluating your insurance and risk management program.

Ransomware is a type of cyberattack that blocks access to a victim's data, website, client services systems, or other critical resources. The attacker holds this information hostage, demanding a ransom be paid in exchange for unlocking access. For healthcare organizations responsible for sensitive patient data, these attacks can lead to severe financial and legal consequences, including disruption of care, compliance-based lawsuits, and reputational damage.

The American Telemedicine Association defines telemedicine as the use of medical information exchanged from one site to another via electronic communications for the health and education of the patient or healthcare provider in an effort to improve patient care, treatment, and services. Telemedicine is not a medical specialty, but is instead a form of delivering care.

There are many benefits to the implementation of telemedicine, but there are also risks that should be considered.

The use of telemedicine reduces the risk of spreading viruses through in-person care, and the rapidly advancing technology provides a platform for education and training, a faster diagnosis of health-related issues, and reduced costs for both providers and patients.

Key risk considerations in telemedicine include direct and vicarious liability and the increase in cyber threats that may emerge as providers are seeing patients from a variety of different devices and networks across diverse locations.

Although acute care providers will need general liability insurance similar to businesses in other industries, they will also need to have professional liability coverage.

Also known as medical malpractice insurance, this coverage protects healthcare workers from the financial risk associated with patient injury, medical expenses, and property damage. Within this category there are two types of coverage to consider:

  • Occurrence-based: Covers a loss that occurs during the active insurance policy period, even if the claim is filed after the policy is cancelled.
  • Claims-made policy: Only covers incidents that happen and are reported within the policy's time frame.

In addition to these standard forms of coverage, organizations will need to assess their unique exposures and vulnerabilities to design an insurance program that effectively helps reduce and manage risk.

A risk management advisor can help healthcare organizations assess their current risk environment, creating and executing a plan that minimizes exposures to enhance the safety and care of patients while also protecting the organization's property and employees.

Our team combines deep industry knowledge and leading technology to market your risks to the right insurers, generating competitive pricing and terms for your organization. We can also help you improve your insurance program design and deductible levels, leveraging our professional financial modeling and our specialist team’s data analytics.

For healthcare providers, the benefits of working with a risk management specialist are clear: access to a range of risk and insurance broking services that help you reduce costs, control risk, and protect your organization’s future.

BEASSUR SA au capital de 1 500 000 DHS - Intermédiaire d’assurance régi par la Loi N°17-99 portant code des assurances.

Autorisation du Ministère des Finances N° C1430CA2022173 du 28 mars 2022.