This session explores how insurers and reinsurers are responding to growing pressures on health systems, escalating environmental liabilities, and critical talent gaps. LocalTapiola (Finland) is responding to the rising demand for private health insurance in Finland amid public system strain, detailing innovations in digital triage, value-based care, and AI-driven efficiency to maintain financial sustainability. AmericanAg (USA) examined PFAS as a long-tail liability risk, discussing regulatory trends, litigation challenges, and the need for proactive treaty management. Swiss Re Institute addressed the industry’s talent crisis, and the importance of upskilling and education in retaining expertise, closing capability gaps, and preparing the sector for a more complex risk landscape.
Speakers:
- Laura Miettunen, Project Director, Health and Personal Insurance, LocalTapiola (Finland)
- Janice Nieman, Senior Manager, Research & Product Development, AmericanAg (USA)
- Ana Yang, Vice President, Institute for Executive Education, Swiss Re (Switzerland)
Member only content
This content is only available to ICMIF members. Please complete the form and we will get back to you as soon as possible.
Access the full member-only content
This is an abridged version. To access the full article/recording, please complete the form above to request the link to the full version being sent directly to you, or visit the member-only link for the ICMIF Knowledge Hub (for more details of how ICMIF members can access this please click here or contact ICMIF).


