ACCIDENTANDHEALTHPOLICYEXPERIENCEREPORTFOR2022
AggregatedTotalsforAllStatementTypes
Premiums
Countrywide
Earned Amount
Claims
Reserves
Contact
Ratio¹
Certificates
Policiesor
asofDec31 asofDec31
CoveredLives
Numberof
Member
Months
Incurred Changein
Loss
NumberofDirect
A.INDIVIDUALBUSINESS
91,852,993,9501.ComprehensiveMajorMedical 79,627,672,682 )(192,489 9,850,182 13,694,262 165,436,45386.69%
579,850,0342.1Short‐Ter mMedical‐6MonthsorLess 457,879,003 )(40,020 103,586 164,189 2,021,08678.96%
192,636,0452.2Short‐Ter mMedical‐Over6Months 105,009,870 0 47,227 71,586 867,79954.51%
772,486,0782.3SubtotalShort‐Term Medical(2.1+2.2) 562,888,874 )(40,020 150,813 235,775 2,888,88572.86%
1,341,835,1223.OtherMedical(Non‐Comprehensive) 476,532,365 44,728,824 2,647,289 4,040,331 46,507,84438.85%
3,925,609,6924.S
ecified/NamedDisease 1,890,967,408 151,888,321 7,927,114 13,430,570 158,300,02752.04%
2,864,557,7375.LimitedBenefit 2,247,735,056 32,892,488 658,153 778,594 9,328,21479.62%
179,776,9496.Student 143,035,696 )(714 206,120 209,224 2,505,86979.56%
2,775,563,8597.AccidentOnl
orAD&D 889,187,963 107,488,437 12,066,147 40,048,416 302,056,95235.91%
2,240,382,3438.DisabilityIncome‐Short‐Term 1,007,385,940 )(39,206,543 3,139,591 3,179,703 37,047,04743.21%
4,321,765,4199.DisabilityIncome‐Long‐Term 3,335,927,540 79,914,656 2,520,721 2,446,957 29,805,80079.04%
10,910,402,07710.Lon
‐TermCare 13,454,253,380 5,128,699,590 4,772,972 5,016,798 54,325,263170.32%
22,559,634,47311.MedicareSupplement(Medigap) 18,014,036,051 161,108,492 11,574,893 10,512,684 109,059,99680.56%
4,874,048,94512.Dental 3,803,815,509 6,822,746 9,848,281 15,153,859 178,970,97678.18%
2,802,232,33013.StateChildren'sHealthInsurancePro
ram 2,396,062,016 )(4,105,439 1,124,478 1,139,705 14,090,18285.36%
307,704,316,55714.Medicare 259,407,887,176 40,168,816 22,166,342 22,309,961 263,219,71484.32%
306,135,227,20215.Medicaid 261,360,017,759 8,134,926 50,984,358 51,930,929 604,551,71085.38%
11,402,467,86216.MedicarePartD‐Stand‐Alone 8,802,033,855 )(11,780,615 20,376,497 19,847,164 245,225,96377.09%
342,047,71417.Vision 166,488,024 40,997 2,269,719 2,762,152 31,654,32248.69%
2,473,872,84418.OtherIndividualBusiness 1,810,093,961 36,937,278 3,208,571 4,408,987 44,377,02074.66%
779,479,221,11819.Grandtotalindividual 659,396,021,185 5,743,499,828 165,492,250 211,146,018 2,299,352,22185.33%
B.GROUPBUSINESS
ComprehensiveMajorMedical
60,504,794,8151.1Sin
leEm
lo
er‐SmallEm
lo
er 50,500,043,956 )(5,413,449 5,365,385 9,189,593 111,686,74983.46%
153,437,847,3271.2SingleEmployer‐OtherEmployer 132,159,589,575 40,583,962 13,604,471 27,077,404 321,049,19186.16%
213,942,642,130
1.3Singleemployersubtotal 182,659,633,536 35,170,513 18,969,856 36,266,997 432,735,94085.39%
5,771,186,1242.Mul
leem
lo
erAssnsandTrusts 5,033,745,887 0 533,661 1,027,661 12,303,02087.22%
2,613,574,491
3.OtherAssociaonsandDiscreonaryTrusts 2,380,682,153 6,695 214,497 394,674 5,083,94891.09%
8,897,837,6764.OtherComprehensiveMajorMedical 7,556,500,019 )(1,339 734,393 1,464,718 17,070,11084.93%
¹
LossRatio=(IncurredClaimsAmount+ChangeinContractReserves)/PremiumsEarned
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