Munich Re logo Not if, but how
Evidence for good
© [M] Munich Re [P] Westend61 / Getty Images

Evidence for good

Turning medical research into actionable insights for Life & Health insurance.

    alt txt

    properties.trackTitle

    properties.trackSubtitle

    Medical expertise to protect portfolios and improve wellbeing of policyholders

    Munich Re's team of global medical experts provides our clients with up-to-date information and advice, including deep regional knowledge and perspective, to address the critical needs of individuals while pricing risk sustainably.

    Translating the latest data and trends

    As the pace of medical advancement quickens, it’s vital that insurance companies keep up. Across key areas like cardiovascular health, cancer mortality, and mental health, our global medical experts identify and synthesize the latest and most impactful sources of data. That’s how we support evidence-based decisions for our clients and better outcomes for policyholders.

    Insights on data and trends

    The promise—and potential concerns—of new obesity drugs like Ozempic
    North America
    The promise and potential concerns of new obesity drugs
    Heart month – Could obesity drugs reduce heart disease?
    North America
    Heart month – Could obesity drugs reduce heart disease?
    Evaluating cutting-edge cancer treatment technologies
    North America
    Evaluating cutting-edge cancer treatment technologies
    “Liquid biopsies”: Evaluating emerging cancer screening technologies
    US
    Evaluating emerging cancer screening technologies
    Making key trends business-relevant to life and health insurance stakeholders
    Europe/Latin America
    Making key trends business-relevant to life and health insurance stakeholders
    Europe/Latin America
    Europe/Latin America
    A blueprint calculation model for COVID-19’s impact on disability insurance
    OBCI
    Asia Pacific
    Outcome-Based Critical Illness: the “benefits race” is not sustainable. Is there an alternative solution?
    PDF, 797 KB
    A business guide on emerging medical trends and risks
    Global
    Life Science Report 2025: A business guide on emerging medical trends and risks

    Identifying breakthroughs to guide development and investment

    In a market flooded with innovation, it can be difficult to determine where to funnel resources for maximum benefit. Our medical experts gauge the efficiency and impact of established and emerging solutions, advising on where best to focus further investment and development. The result is evidence-based solutions and insight for our clients, and improved quality of life for policyholders.

    Insights on breakthrough solutions

    North America
    US
    Early detection tests that put insurers on the forefront of cancer prevention
    Using electronic health records to facilitate superior risk assessment
    US
    Using electronic health records to facilitate superior risk assessment
    Europe/Latin America
    Europe/Latin America
    Calculating the potential impact of “Right to be forgotten” legislation
    Europe/Latin America
    Southern Europe/Latin America
    Co-developed dynamic life insurance product rewarding improved life and health habits
    AI
    Asia Pacific
    AI in Healthcare: Artificial Intelligence’s pervasiveness into clinical medicine and its impact on insurance business
    PDF, 562 KB

    Assuring and expanding insurability while balancing risk

    Our medical experts recommend ways to assure and expand insurability – even to those previously considered uninsurable –while protecting portfolios. As medical advancements and societal shifts alter the risk landscape, our team of experts conduct rigorous analysis, following the evidence to find new solutions for assessment. By strengthening protection for our clients and their policyholders, we support a healthier, more vibrant society.

    Insights on expanding insurability

    North America
    North America
    Eligible insured numbers increased by updating HIV underwriting guidelines
    Europe/Latin America
    Europe/Latin America
    From fatal to chronic disease: expanding insurability for people living with HIV
    Europe/Latin America
    Europe/Latin America
    Reassessing our underwriting manual based on declining cancer mortality
    Europe/Latin America
    Europe/Latin America and Australia
    A holistic solution for risk-adequate assessment: Mental Health Calculator
    Risk Score
    Asia Pacific
    Munich Re Risk Score: physical activity as an underwriting variable in life and health insurance
    PDF, 591 KB

    Meet our global medical experts

    Get to know some of our leading global medical experts, who apply their clinical and epidemiological experience to the insurance realm. Their ongoing guidance and unparalleled insight set Munich Re’s Life and Health solutions apart.
    Gina Guzman
    Dr. Gina Guzman
    Vice President & Chief Medical Director
    Munich Re Life US
    Timothy Meagher
    Dr. Tim Meagher
    Vice President & Medical Director
    Munich Re, Canada (Life)
    Bradley Heltemes
    Dr. Bradley Heltemes
    Vice President & Medical Director of R&D
    Munich Re Life US
    Alban Senn
    Dr. Alban Senn
    Chief Medical Officer, Head of Medical Research & Development
    Munich Re Life & Health
    Europe & Latin America
    Javier Gracia San Román
    Dr. Javier Gracia San Román
    Chief Medical Officer
    Munich Re Life & Health
    Southern Europe & Latin America
    Andreas Armuss
    Dr. Andreas Armuss
    Chief Medical Officer
    Munich Re Life & Health
    Asia-Pacific, Middle East & Africa
    Matthew Paul
    Dr. Matthew Paul
    Chief Medical Officer
    Munich Re Life & Health
    Australia & New Zealand
    Hao Liu
    Dr. Hao Liu
    Chief Medical Proposition Officer
    Munich Re Life & Health
    Asia-Pacific