What the case costs is decided
during the waiting period
A+H brings medical early intervention into your portfolio — while the case is still manageable. Complete first notification instead of chasing paperwork, structured data instead of gaps, one process with binding service levels.A+H brings medical early intervention into your portfolio — while the case is still manageable. Complete first notification instead of chasing paperwork, structured data instead of gaps, one process with binding service levels.
Manageable, as long as the case is still manageable.
The integrated model. Developed, coordinated and operated by A+H.
Insurers who wish to integrate AcciMed into their process work directly with us. We develop the model, coordinate all parties involved and run it in ongoing operation — without any infrastructure of your own and without setup effort on your side.
You connect the model for your entire portfolio, calculate the tiers yourself and offer them to all clients. You set the intervention tier individually per client — matched to claims burden and waiting period.
You connect individual clients on a case-by-case basis, at their request or that of their broker. In this case the client and broker determine the intervention tier. A framework agreement is sufficient.
Compensation
Compensation runs through two surcharges on the premium rate: the chosen AcciMed tier, whose pass-through you determine yourself, and the A+H service layer as a fixed flat rate that is the same for everyone. Both are shown openly as a policied surcharge in the policy.
What you gain from it
A complete first notification including medical report. Cases assessed earlier. Structured data for tariffing and underwriting. And claims handlers who regain capacity for the cases they really need to focus on.
Four steps.
Structured. Documented.
The case starts — without any effort on your partThe case starts — without any effort on your part
Once the incapacity for work reaches the agreed day — 7, 14 or 30 — the client reports the case directly to AcciMed. The medical assessment thus starts independently of your waiting period. No effort is generated on your side.
Medical assessment before your benefits reviewMedical assessment before your benefits review
First contact within 72 hours, medical conversation of up to 60 minutes, authorisation obtained digitally during the conversation. Work capacity, partial work capacity and prognosis are assessed.
Claims notification and medical report in oneClaims notification and medical report in one
The documents from AcciMed arrive together with the claims notification — depending on the chosen tier, even before the 30-day notification deadline expires. No follow-up requests, no separate authorisation: you review on a complete basis from the outset.
Data for tariffingData for tariffing and portfolio
Structured case data emerges from the accompanied cases — usable for underwriting, tariffing and assessing claims trends.
Directly measurable.
From the first notification.
The case arrives prepared
Complete claims notification with medical report and authorisation — your claims handlers start with a finished basis.First contact, medical triage and documentation take place outside your organisation. The claims notification reaches you complete — with medical report and authorisation already obtained. Your claims handlers start with a finished basis instead of having to obtain it.
Earlier assessment
Assessment from day 7, 14 or 30 — depending on the policied tier.The medical assessment starts from day 7, 14 or 30 — depending on the policied tier. The case is assessed before it even reaches you.
Cases stay manageable
Early assessment, defined roles, documented basis for case management.Early assessment starts before conditions become entrenched and certificates are routinely extended. Roles and case handover are defined, and a documented basis exists for whether a case needs to be pursued further.
Comparable data for underwriting
Quality-assured medical reports instead of free text — comparable across sectors, portfolios and years.Quality-assured medical reports instead of free-text certificates: work capacity, prognosis and progression are recorded on the same grid. This makes cases comparable — across sectors, portfolios and years.
Impact in numbers.
Reliable. Auditable.
Available vs. gap in the KTG process
What's burdening the portfolio
- Premium increase in last 5 years35 %
- main reason: higher claims77 %
- Sector-CBA firms without compliant KTG44 %
Sources: OKP statistics FOPH 2024, GFCH Report 7 / Swica study, SWICA / HSD / ValueQuest 2022, Ecoplan/FHNW on behalf of FOPH 2025, Compasso Employer Study 2024 (n=300, AmPuls Market Research), Federal Court 4A_42/2026.