Pension Funds and the
Insurance Zone Risk Pools


The pooling of risk is fundamental to the concept of insurance. An insurance risk pool is a group of individuals whose health status and profiles are combined to calculate premiums. Pooling risks together allows the higher costs of the less healthy to be offset by the relatively lower costs of the healthy. COVID -19 has changed the very nature of what we once understood to be normal which calls for the way we do insurance to change.

By partnering with and participating in the Insurance Zone risk pool, it could result in a significant cost saving which in turn translates into either a higher allocation to each members retirement account or a saving to the employer, if the benefits are funded by the employer.


  • Proactive risk management for the greater good of all participating employers
  • There has been an improvement in Insurance Zone book despite an increase in Loss ratios since 2020, as experienced across the industry
  • This was a result of Insurance Zone’s proactive risk management and client selection processes
  • The effect of new schemes joining the pool have resulted in the overall loss ratio reducing by 12%, this risk management is for the benefit of all pool members (2021 Investigation 3 years to 31 December 2020)
Insurance Zone Pension Fund Savings with Insurance Zone Risk Pool Assessments

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Insurance Zone is most certainly more than just administrators. Partners and solution providers at it's best.

Christian Vermeulen