Welcome to the website for the Insurance Medical Service Hannover (VMS Hannover). As a corporation of physicians and insurance-related service companies, we work at the interface of medicine and insurance. We support product development and create solutions for electronic risk assessments in the application process.
The Insurance Medical Service Hannover (VMS Hannover) is a cooperation of physicians and insurance-related service companies for the provision of specialist expertise for the interaction medicine and insurance. This is particularly reflected in the areas of product development and system support for application processes.
“The degree of digitalisation of sales and application processes determines product development.”
Services of VMS in detail
Risk assessment is a holistic process in which statistical aspects product aspects, sales aspects and experience are taken into account. One focus is the medical risk of change.
In recent years, there has been a major shift in the causes of occupational disability TPD ) due to mental illness. In response, VMS Hannover has positioned itself both in research and in cooperation with partners. Within this framework, a study has been carried out on the rehabilitation of insured persons with disability. Furthermore, a broad spectrum of interventions for psychologically induced occupational disability cases has been developed through cooperation with our Rehab-Partner REHA-aktiv.
Bei modernen Personenversicherungsprodukten (BU, LV, PV, FIV, KV, aber auch UV) erwarten die Kunden immer stärker Dienstleistungen im Schadenfall. These are primarily assistance and rehabilitation services. In cooperation with Malteser (assistance) and REHAaktiv (rehabilitation), VMS Hannover has developed numerous product components in the past.
VMS Hannover works consultatively with network partners. Within the framework of these cooperations, actuarial calculation bases have been developed for functional disability (multi-risk products), supplementary benefits in accident insurance and for longevity (life settlements).
“To raise new questions, new possibilities, to consider old problems from a new angle, requires a creative imagination and marks a real advance in science.”