president aldo alberto alvarez vice-president gustavo javier alvarez directors román ezequiel...
TRANSCRIPT
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PRESIDENT
Aldo Alberto Alvarez
VICE-PRESIDENT
Gustavo Javier Alvarez
DIRECTORS
Román Ezequiel Branc
Enrique Ramos Mejía
Gerardo Enrique Desmourés
BOARD ACTING DIRECTORMiguel Ángel Pereyra
TRUSTEESHector Ponce de León Elisa FaksPablo Marcos Luna
ACTING TRUSTEESPatricio BlascoYanina M. José ChazarretaFernando Julio Pimentel
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INTERNATIONAL AREA
Soledad Gramajo
RISK MANAGEMENT
Fabián Vítolo
COMMERCIAL
Aníbal Balestracci
MANAGEMENT
Verónica Carrizo
MANAGEMENT STAFF
TECHNICALPablo Cirulli
UNDERWRITING Horacio Rossaro
ITMaría Fernanda Barrios
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NOBLE Compañía de Seguros
NOBLE :
A Nationwide company with a strong presence in every province
Highly specialized in professional liability
Distributed through insurance brokers
Commercially flexible and creative
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NOBLE Compañía de Seguros
Proactive in claim administration
High-level reinsurance
Able to create value and long term bonds with producers, insurers and reinsurers
It’s a company that constantly reinvests its earnings to increase its financial strength
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SPECIALIZATION:
A groundbreaking proposal based on Professional Liability
SEASONED MANAGEMENT:
Well-known managers in the insurance market
REINSURANCE POLICY:
Direct contract with Scor Re
Our corporation
Noble was created by experts in Professional Liability and Legal Liability that know how the market works and can respond to its requirements.
NOBLE´S guarantee rests in three solid pillars:.
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NOBLE is a company that specializes in covering Professional
Liability. From the beginning, it was thought and developed to
fulfill activities related to this segment. Every product, every
service and every detail answers to the concrete needs of a
market as complex as one that involves professional activity. As
a result of this we have a strong company with experience in its
field and with the tools to give the highest quality services.
Creativity and experience at the client service
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NOBLE has acted seriously and responsibly when they decided to only take risks under total monetary protection. To this effect, they use the most suitable risk-transfer tools from the Global/International Reinsurance Market.
NOBLE combines economic and financial stability from the biggest Reinsurance companies in the world with the national knowledge to manage risk. And its objective is to create a long lasting and transparent bond with its clients.
You are in the best hands
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NOBLE has the best team to advise the client with their every need,
providing an excellent service targeted towards tailored attention.
NOBLE has combined the efficiency of experienced managers with
a long trajectory in the insurance market with the experience of
specialists in risk prevention, claim management and lawsuit
defense.
The advantage of working with experts
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NOBLE has the latest Insurance System in the market. Enabling
an operative framework that allows them to work in an organized,
agile and efficient manner. This framework was conceived to be in
touch with producers and International Reinsurances at all times.
This makes for a dynamic service of excellence.
Custom-made technology
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A NOBLE Concept
A risk prevencion
system
Risk Management Programs
A loss reduccion
system
Coordination programs between Doctors and Lawyers
Monetary coveragel
In accordance with the Insurance
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Origin: SSN
4,4
04
10
,07
5
15
,53
2
18
,65
0
30
,18
8
31
,11
7
32
,38
2
39
,38
7
41
,87
5
51
,16
0
-
10,000
20,000
30,000
40,000
50,000
60,000
Jun-03 Jun-04 Jun-05 Jun-06 Jun-07 Jun-08 Jun-09 Jun-10 Jun-11 Jun-12
EN M
ILES
DE
$
EVOLUCION DE LA PRODUCCION DERESPONSABILIDAD CIVIL DE NOBLE
NOBLE´S LEGAL LIABILITY PRODUCTION DEVELOPMENT
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3,9
46
4,7
02
7,4
60
9,1
14
12
,29
7
20
,27
0
22
,34
9
30
,29
2
39
,80
6
-
5,000
10,000
15,000
20,000
25,000
30,000
35,000
40,000
45,000
Jun-04 Jun-05 Jun-06 Jun-07 Jun-08 Jun-09 Jun-10 Jun-11 Jun-12
EN M
ILES
DE
$
EVOLUCION DE DISPONIBILIDADES E INVERSIONES DE NOBLE
Origin: SSN
NOBLE´S INVESTMENTS AND ASSETS AVAILABILITY DEVELOPMENT
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INDICADORES DE BALANCE
CREDITS/ASSETS COVERAGE FINANCIAL
41% 111% 73%
Parametros SSN Max 50 Min 80 Min 65
Origin: SSN
BALANCE INDICATORS
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COMMERCIAL
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Our productsIndividual Professional Liability Doctors Dental Surgeons Psychologists Biochemists Medical Assistant Vets Lawyers Notaries
Professional Liability Health Institutes Hospitals and clinics Specialized outpatient care centers Diagnostic centers Psychiatric Geriatrics Clinical Analysis Emergency Medical Service Corporations Pharmacies
Legal Liability Clinical Trials Sponsors Laboratories CRO Research Locations Main Researcher Sub Researcher
Group Professional Liability
Medical Associations
Professional Associations
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MONETARY COMPESATION Compensation for the cancellation and/or suspension of the
professional registration due to criminal proceedings against the insured (from ARS $ 2,000 up to 24 months).
NON MONETARY BENEFITS Pregnancy Illness / Accident Professional Training Abroad Integral Medical / Legal Counseling:
On all the legal proceedings and their different stages, i.e., investigation, mediation and judicial instances.
On all the different jurisdictions and venues, i.e., civil, criminal, administrative and disciplinary courts and tribunals.
On the event of search warrants and seizure of medical records. 24/7 Legal /Medical Counseling Service.
Benefits for Professional Insureds
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INDIVIDUAL INSUREDSWithout Deductible
INSTITUTIONAL INSUREDS (except otherwise agreed)10% of the claim with a minimum of 3% and the maximum of 6% of the Sum Insured.
10% of the claim with a minimum of 3% and the maximum of 6% of the Sum Insured.
Deductibles
Replacement Premium
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26%
14%
6%
4%
2%
2%
18%
9%
2%
2%
2%
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
1%
InsuranceDistribution
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Actualizado a Nov-2009
22%
9%
5%
7%
3%
2%
2%
2%
1%
1%
2%1%
1%
2%
1%
1%1%
1%
1%
35%
CommercialNetwork Distribution
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RISK MANAGEMENT
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Risk Management Spreading the NOBLE concept
Eyes, ears and voice of the company in the health area
Taking part in health industry and insurance events
Media relations
Risk management programs coordination
Aware of the market’s needs
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Identified as another actor in the health industry
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It publishes in special interest magazines
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The Value of Proactivity
Cultivate the loyalty of the client list
Get to know the insured better
Early identification of potential losses
Research commercial opportunities
Gradually improve the insured’s risk profile
Hospital Británico de Buenos Aires
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RISKMANAGEMENT
UNDERWRITING It informs and clarifies prospective clients
It informs about changes on risk profile
COMMERCIAL Presents the Compañy and Services
Researches new business opportunities
Develops new products
CLAIMS
Claim Tendencies
Problematic Accounts
LAW
Risk Committees
Body of Law
Applicable Law
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Tools
In-Person Training (Workshops)
Medical and Law Risk Audits
Risk Committees
Consultation and data transference through e-mail
Development of special programs
Monthly newsletter
Prevention blog
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In-person Training
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Workshops and Seminars
Clínica Humana de Imágenes. Gral Roca. Río Negro
For the institutions’ managers and executives
For groups of professionals
For other market actors (Knowledge Broadcast)
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Executives and professionals in institutions
Annual planning
Risk committees creation
Development of system of compensable event notification
Training professionals as a nexus
Sanatorio Mater Dei de Buenos Aires
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Professionals GroupsSeminars
Doctor-Patient
Relationship
Communication
Clinical History
Informed Consent
Doctor’s Office Risk
Operating Room Risk
Obstetrics Risk
On Duty Risk
Trauma Service Risk
Esthetic Surgery Risk
Infirmary Risk
Radiology Risk
Psychology Risk
Hospitalized Suicides
Medication Errors
Lawsuit Causes
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Other Market Actors
Support for NOBLE´S Presidency in the International Judicial Academy
Scientific Evidence Appreciation
Justice and Insurance
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Servicio de Neonatología Hospital Privado Sudamericano de La Plata (Prov. Bs.As.)
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Risk Committees
Legal and medical representatives
Participation of members of the institution
Discussion of the main incidents and claims
Discussion of specific aspects of patient security
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NOBLE´s involvement in regular institucion activities
Incident discussion
Presentation discussion
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Hospital San Juan de Dios. Ramos Mejía. Provincia de Buenos Aires
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Phone Assistance and Data Transference trough E-mail
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Client Consult
Noble´s Answer
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Client Satisfaction
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Development of Special Programs
Fall Prevention
Wrong-site Surgery Infant Abduction Suicide in Psichiatric Facilities
Wrong Medication Errors
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UNDERWRITING
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ANNUAL EVOLUTION OF THE NUMBER OF CURRENT EXPOSED BY AREA
2005 2006 2007 2008 2009 2010 2011 2012 -
5,000
10,000
15,000
20,000
25,000
INDIVIDUAL GROUP INSTITUTIONAL
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DISTRIBUTION OF INSTITUTIONAL RISK
Institutions without
hospitaliza-tion39%
Ambulatoryup to 50
beds5%
Ambulatory more than 50 beds2%
Homecare8%Emergency
4%
HMO, Unions Private
4%
Clinical Trials4%
Other Insti-tutions
(Doctor´s office, Oral surgeon, laboratory,
General prec-tise, Pharmacy)
34%
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CATEGORY % % CUMULATIVE
Cat. 1 40 41Cat. 1A 12 52Cat. 2 28 80Cat. 3 5 85Cat. 4 2 87Cat. 5 6 93Cat. 6 1 94Cat. 7 6 100
INDIVIDUALS PER RISK CATEGORY
Cat. 1
Cat. 1A
Cat. 2
Cat. 3
Cat. 4Cat. 5
Cat. 6 Cat. 7
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CLAIMS AND LEGAL
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30%
18%
11%
8%
8%
5%
4%
2%
1%
2%
2%
1%
2%
1%
1%1%
4%1%
1%
1%
Historical Distribution of Litigious Processes Records
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CASES BY SPECIALITY
Surge
ry
Ob/gyn
Orthoped
ics
Plastic s
urgery
Internal
medicin
e
Psicology
Anesthesi
a
Pediat
rics /
neonato
logy
Ophtalmology
Emerg
ency
room
Other
Odontology
Spine s
urgery
ICU (Inten
sive C
are Unit)
Nursing
Radiology
0%
5%
10%
15%
20%
25%
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CLOSED CASES BY TYPE OF CLAIM
Extrajudicial Contentious process0%
10%
20%
30%
40%
50%
60%
60%
40%
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CLOSSES CASES- TOTAL HISTORICAL AMOUNT EN $
Amount claimed orig-inal
Amount settlements total
Noble net total amount
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
100%
27%12%