Tokio Marine HCC

Public facts

Medical stop-loss (HCC Life / A&H Group)

HCC Life Insurance Company (Tokio Marine HCC A&H Group) medical stop-loss for groups of 50+ lives, plus captives, Taft-Hartley, organ transplant, and cell-and-gene-therapy products.

Visit tmhcc.com

Overview

Tokio Marine HCC’s Accident & Health Group, operating as HCC Life Insurance Company, writes medical stop-loss for self-funded employers. The product page lists a 50-life minimum, specific deductibles from $10,000 to $1,000,000, specific and aggregate maximums of $1M standard with $2M/$5M/$10M options, many contract bases (including 12/12 through 12/36, paid, incurred), standard aggregate attachment at 125%, and a turnkey captive option. Related products: Taft-Hartley stop-loss, captive stop-loss, organ transplant insurance, and cell and gene therapy. A 2025 market report describes 50+ years in medical stop-loss. Parent Tokio Marine HCC (Houston) cites A.M. Best A++ for major domestic companies.

Why it matters TMHCC A&H is a long-run specialty stop-loss writer with published deductible/contract-basis menus and captive/Taft-Hartley/transplant add-ons.

Target buyer: Self-funded employers (50+ lives), captives, and Taft-Hartley plans placing stop-loss through brokers/TPAs.
Pricing model: Quoted excess-loss premium; credits for quality PPO/UR/LCM and plan documents; No public rates. Features marked with asterisks on the product page are options, not guarantees. Not all products available in all states; some via non-admitted paper.
Availability: National
Research: Last researched 2026-08-23; Public facts category

Key features

Specific stop-loss, deductibles $10,000–$1,000,000
Aggregate stop-loss, 125% standard attachment
Wide contract-basis menu including paid and incurred
Turnkey captive and dedicated Taft-Hartley unit
Organ transplant and cell/gene-therapy companion products
Optional split-funding, simultaneous funding, terminal liability, CAP, early lock-down
Onsite technical/medical staff and passive PPO repricing access

Integrations

Brokers, consultants, and TPAs (A&H Group distribution)
Passive PPO repricing arrangements (unnamed)
UR and large-case management oversight

Overview

Medical stop-loss at Tokio Marine HCC is written by the A&H Group / HCC Life Insurance Company. The group sits inside Tokio Marine HCC (HCC Insurance Holdings), a Houston-based specialty insurer in the Tokio Marine Group.

The public Medical Stop Loss page is unusually specific: 50+ lives; specific deductibles $10k–$1M; max limits $1M standard ($2M/$5M/$10M options); aggregate typically 125% of expected plus corridor; monthly or annual aggregate premium. Contract bases for specific include 12/12, 12/15, 12/18, 12/24, 12/36, 14/12, 15/12, 18/12, 24/12, paid, and incurred.

Optional features: specific split-funded premium, simultaneous funding on specific reimbursements, monthly aggregate advance, terminal aggregate and terminal specific, medical conversion, Contract Advantage Plan (CAP), early lock-down.

July 2025 news: A&H Group (Kennesaw, GA) released a 2025 Annual Market Report on stop-loss claims over $2M. The same release lists level-funded stop-loss, Organ & Tissue Transplant, and MedPlus among products.

Key Capabilities

Traditional specific/aggregate employer stop-loss.
Captive stop-loss.
Taft-Hartley dedicated unit.
Organ transplant fully insured option coordinating with MSL.
Cell and gene therapy cost-management product.
Claim repricing via passive PPOs; UR/LCM oversight.

Integrations & Ecosystem

Distributed through brokers, consultants, and TPAs. Repricing PPOs are not named. Specimen policy and claim forms are posted as PDFs on the product page.

Pricing

Consultative quote with credits for quality PPO, UR, LCM, and plan documents. No rate card.

Notes & Limitations

Surplus-lines / non-admitted caveat on the TMHCC site.
Level-funded stop-loss is mentioned in news, not fully specified on the MSL page.
Ratings (A++, A+, AA-) apply to “major domestic companies” in corporate copy—confirm the legal entity on the quote.

Sources

Tags: stop-loss · Tokio Marine HCC · HCC Life · captive · Taft-Hartley