Hannover Re | 1

Customer information brochure Group insurance

Issued by

Hannover Life Re of Australasia Ltd

As a group insurance specialist with a global presence, we can develop

tailored and sustainable insurance solutions for your members.

Information as of July 2018

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A strong, reliable partner

When you partner with us you'll soon discover you have access to extensive resources, skills and expertise across all areas of our business.

Hannover Life Re of Australasia Ltd is one of Australia’s

largest life insurance providers, covering millions of

Australians through a group policy arranged by their

superannuation fund or their employer.

We take a consultative approach to working with our

business partners and always look for innovative and

creative solutions that will deliver the highest level of

member satisfaction.

We’re here to look after your most important asset – your

members.

We treat everyone

with care and

compassion.

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80% of Hannover

Re’s Life & Health

staff operate directly

in the local markets.

Our focus remains the same as it was when we first started

in Australia back in 1958 - to develop genuine long-term

partnerships with our clients and to be someone they can

trust.

Hannover Life Re of Australasia is a wholly-owned subsidiary

of Hannover Re, one of the largest and most financially

sound reinsurance groups in the world.

Our Hannover Re Group network is present on all continents

with around 3,300 employees.

Both Hannover Life Re of Australasia and our parent are

rated AA- by Standard and Poor’s (very strong), with A.M

Best awarding Hannover Re a financial strength rating of A+

(superior). These ratings have been consistently stable for

more than a decade.

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How we make a difference

We pave the way for our clients' success.

This brochure offers you an insight into our solutions and

services and how our strong collaborative partnership

approach will align these to your objectives.

Service – delivered by an expert team

Our team includes some of the industry’s most

experienced insurance professionals. We have the

technical expertise to assist you.

Each client will have a dedicated team that will

provide open communication and the highest level of

service and support.

More on page 10

Products – the latest innovative thinking

As a global leader, we offer clients access to the latest

developments and solutions from around the world,

tailored to local needs.

We constantly enhance our products to ensure cover

is sustainable, affordable, accessible and easy to

understand - now and in the future.

More on page 8

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Technology – information at your fingertips

One of our core principles is transparency.

The hr|Hub allows clients, consultants and

administrators to monitor each individual

underwriting application or claim from start to finish.

More on page 6

Claims – handled fairly and efficiently

Our claims philosophy is simple - we assess all claims

with fairness and compassion, and pay benefits as

quickly as possible.

Our goal is to assist members through this difficult

time.

More on page 15

Underwriting – the easy way

Our clients have access to our online Member

Application System underwriting tool called

hr|Maz.

Applications can be completed and submitted

electronically with decisions provided in real-time.

More on page 12

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Market leading technology

We make doing business easy. With a team that includes some of the industry’s most experienced insurance professionals, we have the necessary technical expertise and advanced systems to make things easy.

The Hannover Re Hub (hr|Hub)

Our market leading system allows you to monitor each

individual underwriting application or claim from one central

point. So when a member asks you a question, they get an

answer fast with the latest information.

The hr|Hub is available 24 hours a day, 7 days a week, and

lets you:

• Initiate new claims & underwriting applications and

upload documentation directly into the hr|Hub

• Upload and download claims & underwriting documents

• Search and view comprehensive case information

• Track the daily progress of a member’s claims or

underwriting application

• Generate and tailor reports

• Receive electronic reminders via an automated follow-

up process

• Access new movements and nominate date ranges to

review past movements

• Create personal watch lists to receive automatic emails

about important cases

• Download underwriting and claim forms in editable PDF

format

The hr|Hub can be securely accessed at

https://hub.hlra.com.au

For help, including login details, please email us at

hubsupport@hlra.com.au

We make

doing business

easy

ReportingOnline

underwriting

Workflow systems

Claims & underwriting

tracking

Enhanced security &

privacy

Electronic upload &

download via hr|Hub

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Reporting

The hr|Hub lets clients, consultants and administrators

download tailored reports directly from our system,

including:

• Claims summaries, claims status reports and finalised

claims reports

• Underwriting summaries, underwriting status reports

and finalised underwriting reports

Claims management system (CMS)

Our claims management system works behind the scenes

allowing for concurrent actions. The system provides:

• Faster claims processing and turnaround times

• Improved reporting

• Live uploading of claim status and information into the

hr|Hub

• Electronic claim files

Underwriting workflow

We utilise an internal end to end underwriting service using

our paperless administration system. Workflow is integrated

into the hr|Hub, our client facing system, which allows our

business partners to access to the underwriting status of

applications submitted and to track its ongoing progress.

Online underwriting member application system (hr|Maz)

Members are able to complete an underwriting application

online and in most cases get an immediate decision. Our

member application system hr|Maz dramatically simplifies

and enhances the underwriting experience, and allows easy

tracking and reporting of underwriting applications.

hr|Maz is also capable of providing automatic updates

electronically to your administration system.

hr|Maz forms part of our integrated underwriting

infrastructure. As an internally developed system it is hosted

and supported within our office allowing us to provide a fast

and responsive service. hr|Maz is deployed in a variety of

different client environments depending on their business

requirements and product design.

More flexible SLA

reporting

Reflexive online claims

Upload capabilities

to third parties

Member direct

solutions

Trustee specific

reporting

Expanded functionality

Enhanced dynamic reporting

We are committed to making ongoing improvements to our technology solutions, including:

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Flexible products

We offer a variety of product features that can be tailored to meet your requirements.

Here’s an overview of possible product features. We have a

fully flexible product design approach and all products can

be tailored to meet your requirements.

We constantly enhance our offering to ensure cover stays

sustainable, affordable, accessible and easy to understand -

now and in the future.

Group Life (GL)

Agreed benefit formula Choice of formula

Total and permanent disablement Choice of definitions

Working whilst overseas 5 years worldwide cover

Employer approved leave 2 years

Interim accident cover 90 days, up to AUD 1,500,000

Extended cover 60 days

Continuation option Within 60 days of ceasing employment, up to AUD 1,000,000

TPD waiting period 3 months, waived for Immediate Assessment Conditions

Minimum entry age 15 years of age

Maximum entry age Prior to the member’s 67th birthday

Cover expiry age Option: 65 or 70 years of age

Minimum cover No minimum

Maximum cover Unlimited for Death, AUD 3m for TPD and AUD 3m for Terminal Illness

Minimum annual premium AUD 15,000 p/a excluding brokerage, GST and other charges

Guarantee period 3 years

Payment frequency 2% loading for monthly, half yearly or quarterly

Joint policy discount 4% discount to the lower of the GL or GIP premium

Voluntary cover Additional voluntary cover is available

Multinational pooling Exclusive partner of Swiss Life (approval required)

Premium experience rebate Self-experience is available

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Group Income Protection (GIP)

Total disability benefit Choice of definition

Partial disability benefit 7 out of 12 consecutive days of Total Disability

Benefit indexation Annual increase by the lesser of CPI or 5%

Death benefit whilst on claim 3 times the Monthly Benefit

Recurrent disability benefit Waiting period waived if disability recurs within 6 months

Rehabilitation benefit No limit on pre-approved rehabilitation benefits

Workplace modification benefit No limit on pre-approved workplace modifications

Benefit whilst overseas 6 months whilst overseas, continuing once in Australia

Premium whilst on claim Premium waived whilst receiving Total Disability benefits

Working whilst overseas 5 years worldwide cover

Employer approved leave 2 years

Interim accident cover 90 days, up to AUD 15,000 p/m for 24 months

Extended cover 60 days

Continuation option Within 60 days of ceasing employment, up to AUD 30,000 p/m

Employer super contribution Option: Up to 15% of salary

Waiting period Option: 30 days, 60 days or 90 days

Benefit period Option: 2 years, 5 years, To Age 60 or To Age 65

Enhanced benefits (non-super) Option: Home Care Benefit, Nursing Care Benefit, Specific Injury Benefit or

Medical Catastrophe Benefit

Minimum entry age 15 years of age

Maximum entry age Prior to the member’s 67th birthday

Cover expiry age Option: 65 or 70 years of age

Minimum cover No minimum

Maximum cover AUD 30,000 p/m, with AUD 10,000 p/m between age 65 and 70

Minimum annual premium AUD 15,000 p/a excluding brokerage, GST and other charges

Guarantee period 3 years

Payment frequency 2% loading for monthly, half yearly or quarterly

Joint policy discount 4% discount to the lower of the GL or GIP premium

Multinational pooling Exclusive partner of Swiss Life (approval required)

Premium experience rebate Self-experience (only when combined with GL)

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Superior service

Insurance is built on trust.

We’ve grown into one of the world’s most respected insurers

by keeping promises to our clients.

We treat everyone with care and compassion. We do things

promptly. We go beyond expectations. To us, superior

service is a way of life.

Administration

Telephone enquiry 24 hours

Written correspondence 5 days

Installation review or annual review 10 days

Underwriting

Set up of a new application or additional information onto our system 2 days

Assessment of a new application or additional information 2 days

Follow up of requirements (occurs from the date we received the application) 10 days

Reassessment of an application or exclusion 5 days

Claims

Set up of a new claim or additional information onto our system 24 hours

Assessment of an admitted claim or additional information 5 days

Follow up of requirements (occurs from the date of our last request) 20 days

Payments 2 days

Assessment of a declined claim or reassessment (for TPD claims this occurs from the

date the procedural fairness period ends)

10 days

Our service standards are measured in business days, starting from when all necessary requirements have been received

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Administration

We are committed to providing the highest levels of quality service. We pride ourselves on our ability to deliver what we promise, it’s the way we do business and it’s our culture.

New policy

To establish a new policy we need:

• A completed application form including a certificate of

attendance.

• Member data containing name, payroll number, date of

birth, gender, state of residence, occupation,

membership category, date commenced employment,

date joined the policy and the sum insured at the date

the policy commenced.

• The previous insurer’s underwriting terms if the policy

is transferring to us. This must include all members who

have been accepted, declined, restricted, excluded or

loaded for cover above the previous insurer’s automatic

acceptance level, including any forward underwriting

level.

• Payment of the deposit premium by the due date.

• Details of all members who have been seconded

overseas by their employer to work.

Annual reviews

At each annual review date we need:

• Member data containing name, payroll number, date of

birth, gender, state of residence, occupation,

membership category, date commenced employment,

date joined the policy and the sum insured at the annual

review date.

• The date cover commenced and level of cover for any

new members that joined the policy during the year.

• The date cover ceased for any members that left the

policy during the year.

• Details of any changes to a member’s insurance since

the previous annual review.

• Details of all members who have been seconded

overseas by their employer to work.

• Details of any member who has amended their details

since the previous annual review.

Keeping us informed

You should let us know immediately if:

• A member exceeds the agreed automatic acceptance

limit or forward underwriting limit. This allows us to

underwrite and insure the member at the earliest

opportunity.

• A member joins the policy outside of the eligibility or

automatic acceptance rules.

• A member elects any voluntary cover (where available).

• A member is working overseas or is on employer-

approved leave outside the agreed terms.

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How we underwrite

Our underwriting philosophy is to ‘keep it simple’. We will always assess an application using the information at hand to minimise any inconvenience to members in having to ask for third party medical evidence.

How we keep it simple

• Requesting necessary information up front.

• Working in partnership with clients, consultants and

administrators.

• Making decisions that optimise both member

experience and sustainability.

• Applying a ‘can-do’ approach, including how we apply

exclusions, loadings or restrictions.

Automatic acceptance level

The automatic acceptance level (AAL) is the maximum

amount of cover a member can receive without having to

submit medical evidence. We tailor the AAL for each policy

and aim to provide the majority of members with automatic

cover to their full entitlement. In most cases we will only

need health evidence for cover above the AAL, voluntary

cover or where a member joins outside the commencement

of cover policy terms.

Automatic uplift to the AAL

If we increase the AAL then it will apply to all existing

members where an AAL currently applies even if they have

previously been declined, excluded or loaded for cover

above the previous AAL. Any exclusions, premium loading,

limitations, special terms, conditions or restrictions will

continue to apply above the new AAL.

New members

New members can generally be covered up to the AAL at

standard rates without health evidence if:

• They satisfy our requirements, including eligibility, and

commenced cover on the date they first met those

requirements

• They are at work when their cover commenced. If they

do not meet this requirement, then new events cover will

apply until the date they have been at work for 30

consecutive days.

Insured cover subject to special terms

If we offer cover subject to special terms, conditions,

restrictions, exclusions or premium loading, the member will

be required to accept these terms and cover will commence

from the date that their acceptance is received by us,

provided that this acceptance is within 28 days of the date of

our offer. From the date of our offer, we will provide

additional interim accident cover for the lesser of 28 days or

the date that the member accepts or refuses this offer.

Any exclusions, premium loading, limitations, special terms,

conditions or restrictions will apply above the AAL.

Unified Healthcare Group (UHG)

We have appointed Unified Healthcare Group (UHG) to

manage the collection of medical and other evidence for

assessing insurance applications.

UHG can arrange pathology tests (bloods) and other health

screening services at a time and place convenient to the

member, including the member’s work or home. If requested,

the results of the tests can be provided to the member’s usual

doctor to assist with the overall management of their health.

These services are free to you and the member.

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Health evidence for underwriting

Our philosophy when underwriting is to offer exclusions and

loadings so that we can provide as many members as

possible for cover.

If an AAL applies, any exclusion or loading will only apply to

the portion of cover that was underwritten.

The evidence we need for underwriting is shown below. We

reserve the right to alter these requirements or ask for any

additional information we believe is necessary based on a

member’s individual circumstances.

Group Life & Total and Permanent Disablement

To age 44 (current age)

Sum insured Evidence of health

Up to AUD 2,500,000 Personal Statement

AUD 2,500,001 –

AUD 3,500,000

Personal Statement

+ Bloods

+ GP Medical exam

AUD 3,500,001 –

AUD 5,000,000

Personal Statement

+ Bloods

+ GP Medical exam

+ Personal Medical

Attendants Report (PMAR)

AUD 5,000,001 + Personal Statement

+ Bloods

+ GP Medical exam

+ Personal Medical

Attendants Report (PMAR)

+ Full Blood Count (FBC)

+ Exercise ECG

Death only cover. TPD & Terminal Illness cover is only available to AUD

3,000,000.

Bloods include: HIV, Hepatitis B & C Serology, Multiple Biochemical Analysis

including Liver Function test, Renal Function test, Fasting Glucose test and

Lipid profile. All blood test can be taken from one sample

Group Life & Total and Permanent Disablement

Age 45 +

Sum insured Evidence of health

Up to AUD 1,500,000 Personal Statement

AUD 1,500,001 –

AUD 2,500,000

Personal Statement

+ Bloods

AUD 2,500,001 –

AUD 3,500,000

Personal Statement

+ Bloods

+ GP Medical exam

AUD 3,500,001 –

AUD 5,000,000

Personal Statement

+ Bloods

+ GP Medical exam

+ Personal Medical

Attendants Report (PMAR)

AUD 5,000,001 + Personal Statement

+ Bloods

+ GP Medical exam

+ Personal Medical

Attendants Report (PMAR)

+ Full Blood Count (FBC)

+ Exercise ECG

Death only cover. TPD & Terminal Illness cover is only available to AUD

3,000,000.

Group Income Protection (GIP)

Sum insured (per month) Evidence of health

Up to AUD 12,000 Personal Statement

AUD 12,001 –

AUD 15,000

Personal Statement

+ Bloods

AUD 15,001 –

AUD 20,000

Personal Statement

+ Bloods

+ Personal Medical

Attendants Report (PMAR)

AUD 20,001 + Personal Statement

+ Bloods

+ GP Medical exam

+ Personal Medical

Attendants Report (PMAR)

.

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Our process for underwriting

This map shows our standard process for assessing paper

underwriting applications. Please keep in mind a different

process applies to online applications through the hr|Hub.

We can customise our process to meet your specific needs,

in response to changing market conditions, new

methodologies or for the particular circumstances of an

application. Some steps may occur concurrently.

Member

Policy Owner

Hannover Life Re

of Australasia

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How we manage claims

We recognise it’s important to provide assistance throughout the claim journey and to make a decision quickly. Because of this we focus on how best to support the member when they need it most.

Fairness and compassion

We treat each member with integrity and compassion and

we ensure all decisions are fair and reasonable.

We achieve this by:

• Allocating each claim to a dedicated assessor who is

responsible from start to finish.

• Ensuring genuine claims are paid as quickly as possible.

• Being transparent and communicating openly.

• Reaching conclusions based on facts and sound

reasoning.

• Helping members get better and return to work safely

by providing a range of support services as part of their

income protection claim.

• Working with the member, their doctor and employer to

assist with recovery.

• Establishing agreed times for the delivery of service and

reports.

• Monitoring our assessments with an internal quality

verification process.

Dedicated claim assessor

We allocate each claim to a dedicated claim assessor who is

responsible for the claim from start to finish. All claim

assessors only have a medium size portfolio to allow them to

support the member.

To ensure the best chance of positive outcomes being

achieved, we triage every claim based on the member’s

condition before allocating it to the most suitable claims

assessor. This ensures the claim assessor has the experience

and expertise to support the member throughout the claim

process.

Ease of the claims process

Dedicated & professional

staff

Proactive & open

communication

Empathy, sensitivity & transparency

Fair decisions with timely payment

Holistic support with recovery & rehabilitation

Best practice

framework

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Direct contact with members

Our preference, particularly for income protection claims, is

for the claim assessor to have direct contact with the

member. We have found this a positive approach that

improves the member’s experience. All calls direct with the

member are recorded to safeguard information.

Early intervention

We are very supportive of a framework which promotes the

early notification of a claim during the waiting period (“Day

1”) so we can assess the need for rehabilitation and co-

ordinate a return to work strategy, where possible.

The assessment of a claim often requires advanced specialist

skills based on current medical treatments so we have

engaged several external companies to complement our

internal claim team’s expertise.

Our in-house rehabilitation consultants will liaise with

specialist rehabilitation service providers who offer highly

personalised support and ongoing management to assist the

member’s recovery.

Procedural fairness

We are committed to assessing all claims fairly. We will send

a procedural fairness letter to you 30 days prior to reaching

our decision. The letter will contain details of the evidence

we have obtained and should be forwarded immediately to

the member.

The claim will be re-assessed by the original claims assessor

if further information is received. If no additional information

is received within 30 days, we will proceed with making a

decision and a written report explaining the reason for our

decision will be provided to you.

Review forum and committee

We provide a Claims Review Forum and a Claims Review

Committee to ensure any claim dispute is re-assessed

thoroughly and independently and that the decision is fair

and reasonable.

Where you disagree with our decision, we will require a

written objection stating the basis of the disagreement and

any supporting evidence. The claim will then be reviewed by

the original claims assessor and may be referred to our

Claims Review Forum. The Claims Review Forum consists of

our National Claims Manager and other senior claims

assessors.

If you are still not satisfied with our decision after our

reassessment of the claim you are able to request for the

claim be reviewed by the Claims Review Committee. The

Claims Review Committee consists of senior management

employees from a variety of business units within Hannover

Life Re of Australasia.

Litigated claims

Where defending a matter on your behalf does not prejudice

Hannover Life Re of Australasia, we will manage the

litigation provided you sign our Indemnity Letter. This

service will be provided at our expense.

We proudly support SuperFriend

SuperFriend is a nationwide initiative aimed at improving the

mental health and wellbeing of industry superannuation fund

members, employers and staff.

For more information visit

www.superfriend.com.au

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Rehabilitation – a smoother road to recovery

After lodging a claim the member can access a range of

support services to help them get better and return to work

safely. While returning to work is not always easy, work is

generally good for health and wellbeing and that long-term

work absence, work disability and unemployment typically

have a negative impact on health and wellbeing. That is why

our policy includes an approved rehabilitation benefit where

at our discretion we may pay the cost of a program, device

or a functional/work conditioning program certified by a

doctor or other health professional. There is no maximum

limit on the amount of rehabilitation we can provide to a

member, subject to our prior approval.

Our in-house rehabilitation consultants will liaise with

specialist rehabilitation service providers and in consultation

with the member, their doctor and the employer to develop

positive fully-accredited rehabilitation programs tailored

with consideration to all relevant information including

medical capacity, education, training and experience.

We may also instruct an external provider to assist with

liaising with the member and the appropriate medical

specialist to agree on a unified medical management

program.

Our in-house rehabilitation consultants will monitor the

member’s progress to ensure the rehabilitation plan remains

effective and beneficial.

Here to assist

members.

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Our process for rehabilitation

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The information we need to assess a claim

We have standard requirements for assessing claims, some

of which may incur a cost. These costs are the member’s

responsibility, although we will pay for any additional

evidence that we request.

Initial requirements for all claim types

• Certified identification that includes the member’s age

(i.e. driver’s licence or passport).

• Confirmation of membership, application, date of the

last premium and agreed benefit.

• A copy of the member’s underwriting application if a

previous insurer accepted them for their cover.

• Any test results or additional medical evidence.

• The additional requirements depending on the type of

claim:

Death claim

• A certified copy of the member’s death certificate.

• If a member dies whilst overseas, we require an English

translation of their death certificate, a certified copy of

all passport pages and a certified copy of their travel

itinerary.

Terminal illness benefit (TIB) claim

• Claim Forms: Member’s Statement, GP’s Medical Report,

Specialist Medical Report with test results.

Total and permanent disablement (TPD) claim

• Claim Forms: Member’s Statement, Employer’s

Statement, Medical Report with test results.

• If the notification date of the claim to Hannover Life Re

of Australasia is more than 18 months after the incident

date, we will also require a copy of the member’s tax

returns since the incident date.

Group income protection (GIP) claim

• Initial GIP Claim Forms: Member’s Statement,

Employer’s Statement, Medical Report with test results.

• Ongoing GIP Claim Forms: Progress Claim Form

(Member’s Statement) and Progress Medical Report.

• We may also require proof of the member’s income or

income history, including but not limited to the

member’s full tax returns.

Ongoing requirements for group income protection

claims

Once a GIP claim is accepted, and the first monthly benefit

has been paid, the member will need to provide us with a

periodical Progress Claim Form and a periodical Progress

Medical Report. We may also require additional information.

If the member continues to be employed, the employer will

remain responsible for any taxation and liaising with the

member, unless we agree to another process.

If a member is no longer employed, or we have agreed to

manage this process, we will calculate any tax to be

deducted from the benefit and provide an annual Payment

Summary. We will consider liaising directly with them but

only if we have received the following information within 90

days from the date they left employment:

• An original Tax File Number Declaration form available

from the ATO website. Section A must be completed by

the member and the form returned to us.

• The member’s contact details including address and

telephone number.

• The member’s bank account details.

• The date the benefit is to be paid to the member.

• Where we are providing a Superannuation Contribution

Benefit, all relevant membership and contact details of

their fund.

• We may also require proof of the member’s income or

income history including, but not limited to, the

member’s full tax returns.

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How we assess claims

The process maps outline our standard guidelines for the

assessment of Death, TPD and GIP claims. Some actions may

occur concurrently rather than sequentially and we reserve

the right to modify these guidelines at any time in light of

evolving market conditions, new methodologies or with

regard to the particular circumstances surrounding a claim.

We are also able to customise our guidelines to meet each

client’s specific needs.

Our process for death claims

Member’s

Representative

Policy Owner

Hannover Life Re

of Australasia

Hannover Re | 21

Our process for TPD claims

Member

Policy Owner

Hannover Life Re

of Australasia

Hannover Re | 22

Our process for income protection claims

Member

Policy Owner

Hannover Life Re

of Australasia

Hannover Re | 23

Get in touch today

Call our group insurance team on

Tel. 02 9251-6911

Marketing (new business)

For business development, quotes, product design or

policy document enquiries, please contact:

groupriskmarketing@hlra.com.au

Client Relationships (existing clients)

To get in touch with the team responsible for the co-

ordination of services to existing clients, reporting

and ongoing relationship management, please

contact:

clientrelationships@hlra.com.au

Administration

If you require assistance with the installation,

renewal or ongoing administration of your policy,

please contact your dedicated Group Risk

Administrator:

groupunderwriting@hlra.com.au

Underwriting

All applications and supporting documents, as well as

general questions about an underwriting case, can be

sent to:

groupunderwriting@hlra.com.au

Claims

If you need to submit a claim, or if you have a general

question about our claim requirements, assessment

process or payments, please contact a member of our

Claims Administration team:

groupclaims@hlra.com.au

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Your global partner

We have built an international organisation, with a presence

on all continents.

Central to our approach is an understanding that each

country is unique, with its own legislative framework, culture

and business parameters. Support is close at hand from local

experts who understand your market and speak your

language – in more ways than one. And at the same time you

can tap into the rich resources, skills and experience

available across our cross-border operations.

World-wide presence of Hannover Re group

Africa

Abidjan, Johannesburg

The Americas

Charlotte, Denver, Hamilton, Mexico-City, New York,

Orlando, Toronto

Published by

Hannover Life Re of Australasia Ltd

ABN 37 062 395 484

Member of the Hannover Re Group

Asia

Hong Kong, Kuala Lumpur, Manama, Mumbai, Seoul,

Shanghai, Taipei, Tokyo

Australia

Sydney

Europe

Dublin, Hannover, London, Madrid, Milan, Paris, Stockholm

www.hannover-re.com.au