Description: This discussion is about major problems facing the smaller company on entering the field of individual health insurance. Also discussed are using morbidity studies to calculate gross premiums. From Transcations of Society of Actuaries 1962, Vol. 14 Pt. 2

Description: This article is part of the Digest of Informal Discussion, which took place at the 1956 Society of Actuaries Eastern Spring Meeting, held April 19-20 in Hartford, CT. It identifies the participants and summarizes each person’s comments. The participants discuss progress made in offering accident and sickness and hospitalization insurance benefits to those over 65, the physically impaired, to rural areas, and to lower income groups, and discuss methods to further extend benefits to those groups. They also discuss experience with major medical policies, and what insurance associations such as the Health Insurance Association of America, can do to collect morbidity data. From Transactions of Society of Actuaries 1956 Volume 8, Number 21.

Description: This is a discussion about premiums and underwriting for individual health insurance. From Transactions of Society of Actuaries 1962, Vol. 14 Pt. 2

Description: This discussion is about individual and family major medical expense insurance. Topics discussed include morbidity experience, plan design and differences in claims cost due to socioeconomic status. From Transactions of Society of Actuaries 1961, Vol. 13 Pt. 2

Description: This paper presents the findings of the Society of Actuaries' Committee on Individual Accident and Health Valuation Principles concerning statutory reserve standards for policy and claim reserves. From Transactions of Society of Actuaries 1985, Vol. 37.

Description: The purpose of this paper is to demonstrate a simplified method of calculating adjusted benefit reserves for any line of life or health insurance. Specific examples are applied to individual hospital and major medical insurance. From Transactions of Society of Actuaries 1973 Vol. 25 Pt. 1 No. 73

Description: This discussion on individual sickness and accident insurance looks at the experience under major medical expense contracts with reference to sales, underwriting, claims and administration. The discussion also reviews the safeguards used for underwriting hospital expense coverage beyond age 65 and loss of time coverage for women.

Description: This discussion looks at the changing needs for individual accident and sickness insurance, including coverage for older people [ages 65 and over]. The discussion seeks to answer: What changes in the scope of and market for individual accident and sickness insurance have taken place in recent years, and what revisions of policies and marketing procedures have been made or are indicated to meet changing needs? From Transactions of Society of Actuaries 1959, Vol. 11, No. 31.

Description: Tis is a discussion about many issues related to individual and family major medical insurance including deductibles and coinsurance, experience and trends, coverage for old age and substandard risks, guaranteed renewability for life, limitations for mental illness, and problems in underwriting and claims administration. From Transactions of Society of Actuaries 1959, Vol. 11, No. 31.

Description: The principal objective of this paper is to remind actuaries of the rather significant misconceptions and distortions commonly encountered in the use of individual accident and health insurance loss ratios. From Transactions of Society of Actuaries 1979, Vol. 31.