“THE REAR VIEW MIRROR” Desmond Le Grys. Looking Back 1912National Health Insurance Scheme 1948National Insurance Scheme.

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Presentation transcript:

“THE REAR VIEW MIRROR” Desmond Le Grys

Looking Back 1912National Health Insurance Scheme 1948National Insurance Scheme

P.M.I. - Main Dangers Inflation of Medical Cost Expectations Claims Control Under Pricing

Income Replacement - Dangers Lack of Data Under Pricing Poor Underwriting and Claims Weak Policy Definitions Guarantees

Income Replacement - Remedy Pricing Underwriting Expertise Better Information Sensible Policy Conditions Benefit Levels Better Claims Management Flexi Products

Critical Illness - Dangers Screening, Diagnosis, Genetics Non Critical Illness Price Cutting Guarantees

Long Term Care - Difficulties Lack of Data - Pricing Trends Awareness Affordability Guarantees

Social Insurance Changes Political Debate (Sometime) Need for Information Role of Actuarial Profession

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