QBE

Public facts

U.S. accident & health medical stop-loss

QBE US medical stop-loss for groups of 50+ lives, specific deductibles $25,000–$2 million, RBP credits, no-new-laser/rate-cap endorsement, and optional QBE Rewards.

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Overview

QBE’s U.S. Accident & Health Medical Stop Loss page lists a 50-life minimum; consultative pricing with credits for PPO, UR, large-case management, and alternative designs including reference-based pricing; a no-new-laser with rate-cap endorsement; and specific-advance / expedited reimbursement for ASO and TPA plans. Specific: deductibles $25,000–$2 million; unlimited lifetime maximums; contract bases Gapless, 12/12, 12/15, 12/18, 12/24, 15/12, 18/12, 24/12, and PAID; medical and Rx. Aggregate: $1–$5 million per-policy-period maximums; same contract-basis menu; medical, Rx, dental, vision, and WDI. Optional: aggregating specific, specific/aggregate terminal liability, aggregate accommodation, QBE Rewards experience refund. Nurse-led claims/risk/cost-containment teams are described. Gene-therapy marketing materials are offered as a download.

Why it matters QBE publishes one of the clearer independent-carrier stop-loss spec sheets, including explicit RBP credits and a $2M specific-deductible top end.

Target buyer: Self-funded employers (50+ lives) and TPAs/ASOs placing QBE A&H stop-loss, including RBP plans.
Pricing model: Quoted excess-loss premium with consultative credits; No public rates. Attachment points described as competitive, not enumerated.
Availability: National
Research: Last researched 2026-08-23; Public facts category

Key features

50-life minimum
Specific $25k–$2M; unlimited lifetime max
Aggregate max $1–$5M; dental/vision/WDI options on aggregate
RBP pricing credits
No New Laser with rate-cap endorsement
QBE Rewards experience refund
Nurse review of potential and ongoing claims

Integrations

ASO and TPA administrators (advance/expedited reimbursement)
PPO, UR, and LCM programs (credits/referrals)

Overview

QBE US Accident & Health writes medical stop-loss documented at qbe.com/us/ah/products/medical-stop-loss. The page is a product specification, not a consumer portal.

QBE also hosts A&H claim reporting and forms from that hub. A gene-therapy marketing sheet is listed among downloads (content not fully extracted here).

Key Capabilities

Specific and aggregate excess loss with a wide contract-basis list including Gapless and PAID.
Credits for network, UR, LCM, and RBP designs.
Optional aggregating specific and terminal liability.
Experience-refund (QBE Rewards).
Internal claims re-pricing and risk-management oversight (vendor).

Integrations & Ecosystem

ASO/TPA reimbursement options. PPO/UR/LCM partners are not named.

Pricing

Consultative quote.

Notes & Limitations

Availability and form numbers are not on the highlights page.
“Industry leading” claims team is marketing.
Confirm WDI (weekly disability indemnity) aggregate option vs the medical plan’s actual STD funding.

Sources

https://www.qbe.com/us/ah/products/medical-stop-loss

Tags: stop-loss · QBE · RBP · A&H