Insurope operates the stop loss (own pool or multipool small group pool version) and the loss-carry-forward system.
To qualify for an own pool stop loss multinational pooling system a minimum of 500 lives insured in poolable contracts in two or more countries are required. Each year any negative balance in the Insurope stop loss account is absorbed by the participating Insurope insurers.
It should be noted, however, that the rating limits mentioned in "Underwriting Terms" apply also to a multinational pool on a stop loss system. Consequently, high individual claims are cut off at the maximum level of rating limits, the premiums for coverage in excess of the rating limits are not considered for experience rating but deducted as non-rated premiums from the pooled account, and the claims in excess of the rating limits are not debited to the multinational pool but paid from the general portfolio of the insurer.
The result is that the overall risk exposure of the multinational pool is limited, enabling Insurope to charge a lower stop loss premium than networks which include the full insured death benefits in their experience rated accounts.