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 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

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 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 discussion reviewed: A. Measures used by smaller companies to deal with below average policy persistency rates, B. The extent to which smaller companies issue policies with little to no retention for their own accounts, C. The extent to which new lines of insurance, such as accident and sickness, and changing distribution of business by line, plan, or age, have caused reconsideration of qualification bases for agency convention and honor awards.

Description: Panelists discuss the NAIC new loss ratio requirements for limited benefit [supplemental] health plans and companies' responses to these requirements. From the Record of the Society of Actuaries, Vol. 25, No. 2.