Similar to Life Insurance, Health and Care provide private medical insurance, income protection, critical illness, and long-term care insurance. The main difference within this area are the risks. The focus is mainly on understanding the rates of becoming sick or disabled or needing medical treatment mentor rates of recovering from sickness. It is also necessary to consider aspects such as the implications of medical advances and medical cost inflation.

Due to the complex nature of the business, Health and Care touch on several practice areas such as life, pensions, risk management and resource and environment. Actuaries work with other health professionals to find appropriate solutions and health provision models to meet changing needs.