{"id":99644,"date":"2026-07-08T07:58:37","date_gmt":"2026-07-08T07:58:37","guid":{"rendered":"https:\/\/www.europesays.com\/ch\/99644\/"},"modified":"2026-07-08T07:58:37","modified_gmt":"2026-07-08T07:58:37","slug":"chronic-conditions-reshape-zurichs-australian-claims-profile","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ch\/99644\/","title":{"rendered":"Chronic conditions reshape Zurich&#8217;s Australian claims profile"},"content":{"rendered":"<p>The figure, drawn from Zurich\u2019s retail, group, and direct claims across total and permanent disability (TPD), income protection, and death cover, appeared in \u201cThe Value of Chronic Care,\u201d a report published July 8 that ranks how 38 OECD health systems manage long-term illness. The claims breakdown lands as Australian regulators, insurers, and reinsurers grapple with a shift from acute, short-duration risk toward chronic, hard-to-reserve morbidity \u2013 the segment that has proven most difficult to price sustainably. The signal carries weight in part because of the source: Zurich held 23.5% of individual advised death cover annual premium as of December 2025, second only to TAL\u2019s 27.5%, according to Australian Prudential Regulation Authority (<a href=\"https:\/\/www.insurancebusinessmag.com\/au\/companies\/apra\/53092\/\" rel=\"nofollow noopener\" target=\"_blank\">APRA<\/a>) statistics, making it one of the largest retail life writers commenting on a trend that hits its own book.<\/p>\n","protected":false},"excerpt":{"rendered":"The figure, drawn from Zurich\u2019s retail, group, and direct claims across total and permanent disability (TPD), income protection,&hellip;\n","protected":false},"author":2,"featured_media":99645,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[6],"tags":[1792,10284,49308,51],"class_list":["post-99644","post","type-post","status-publish","format-standard","has-post-thumbnail","category-zurich","tag-chronic-illness","tag-life-insurance","tag-morbidity","tag-zurich"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@ch\/116883299135472456","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ch\/wp-json\/wp\/v2\/posts\/99644","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ch\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ch\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ch\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ch\/wp-json\/wp\/v2\/comments?post=99644"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ch\/wp-json\/wp\/v2\/posts\/99644\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ch\/wp-json\/wp\/v2\/media\/99645"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ch\/wp-json\/wp\/v2\/media?parent=99644"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ch\/wp-json\/wp\/v2\/categories?post=99644"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ch\/wp-json\/wp\/v2\/tags?post=99644"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}