Description: This discussion looks at Group Accident and Sickness Insurance and asks the following questions: What loss ratios are expected during 1960 and 1961 under newly determined premium rates for basic medical care, supplementary major medical and comprehensive major medical insurance coverages? What are the design trends under comprehensive major medical insurance coverages? From Transactions of Society of Actuaries 1960, Vol. 12, No. 34.

Description: In determining the apportionment of divisible surplus accruing with respect to a policy year's experience under a Group Accident and Health policy, the claims incurred in the policy year usually are the biggest single charge against the policyholder's premium. Consequently, it is important that the charge be an accurate portrayal of claims properly attributable to the policy year. This paper considers first the two basic ingredients of incurred claims, namely, paid claims [Section II] and claim reserves [Section III], and then considers how these two ingredients are used to determine incurred claims charged against a given group policyholder [Section IV]. A separate section [Section V] is included to discuss incurred claims on those group policies which cover so small a number of people that the case's own experience may fluctuate too widely to have real meaning. From Transactions of Society of Actuaries 1958, Vol. 10, No. 28.

Description: Discussion of recent developments in the taxation of noncoordinated benefits such as fixed indemnity, hospital indemnity, and specified disease insurance policies. Developments include a recent Chief Counsel Advice Memorandum and proposed triagency rulemaking that would impact non coordinated benefits.

Description: This article is part of the Digest of Informal Discussion, which took place at the 1955 Society of Actuaries Eastern Spring Meeting, held March 24-25 in New York City. The article identifies the participants and summarizes each person’s comments. The participants discuss problems related to submitting data to the Committee on Experience under Individual Accident and Sickness Insurance, policy changes involving an increase in benefits insured, use of the ratio of actual to expected claims vs. the ratio of claims to premiums, and group valuation methods. From Transactions of Society of Actuaries 1955 Volume 7, Number 18.

Description: This paper proposes a model for the incurred but not reported - IBNR- claims of an insurance company. This model will be fit to third party automobile bodily injury claims for which the months and years of occurrence of the accident are available. From the Actuarial Research Clearing House 1990 VOL. 1

Description: Panelists discuss pricing issues regarding supplemental products, which for this purpose, are defined as cancer, specified disease, student accident, and other special risk accident and health coverages. From the Record of the Society of Actuaries, Vol. 25, No. 2.

Description: Offering supplemental benefits likes accident, hospital indemnity and critical illness to traditional worksite employees has become routine, but how do you handle gig workers? Traditionally these workers would be considered uninsurable, but can you afford to ignore them? The panel will discuss the unique factors of the gig economies and key thoughts for providing insurance in this space.

Description: Voluntary health insurance coverage options are described including hospital indemnity, accident plans, disability insurance, and critical illness policies.

Description: This article is from the Digest of Informal Discussion, Transactions of Society of Actuaries 1956 Volume 8, Number 20. The discussion identifies the participants and summarizes each person’s comments. The participants discuss: records and accounting of the varied types of Group Accident and Sickness coverage practices of group insurance policyholders with respect to the continuation of coverage on their retired employees, for life and other group coverages and with respect to small [under 50 lives] groups, types of benefits available, and underwriting, administrative, and marketing issues.

Description: This session from the 1984 SOA Toronto Meeting discusses an overview of the underwriting methods and techniques used with individually issued accident and health insurance including elimination periods, underwriting limits and claims costs. From Record of the Society of Actuaries Vol. 10, No. 4