|
(1) Severities, not including ALAE, hazard group A, calculated from exhibits D.2 and E.2 |
|
Claim Group |
Severity |
Fatal |
189,207 |
PT |
1,230,525 |
Likely PP/TT |
117,736 |
Not likely PP/TT |
25,262 |
Medical only |
1,200 |
|
(2) Loss weights, not including ALAE, hazard group A, calculated from exhibit G.1 |
|
Claim Group |
Loss Weight |
Fatal |
0.005 |
PT |
0.051 |
Likely PP/TT |
0.400 |
Not likely PP/TT |
0.428 |
Medical only |
0.117 |
|
(3) Entry ratios by loss limit and claim group = \(\frac{{Loss\ Limit}}{(1)}\) |
|
Loss Limit |
Fatal |
PT |
Likely PP/TT |
Not Likely PP/TT |
Medical Only |
$10,000 |
0.05 |
0.01 |
0.08 |
0.40 |
8.33 |
$100,000 |
0.53 |
0.08 |
0.85 |
3.96 |
83.34 |
$500,000 |
2.64 |
0.41 |
4.25 |
19.79 |
416.68 |
$1,000,000 |
5.29 |
0.81 |
8.49 |
39.58 |
833.35 |
$5,000,000 |
26.43 |
4.06 |
42.47 |
197.92 |
4166.77 |
|
(4) Excess ratio curve parameters by claim group (as described in appendix C.1) |
|
Parameter |
Fatal |
PT |
Likely PP/TT |
Not Likely PP/TT |
Medical Only |
μ
1
|
–0.145 |
–0.490 |
–0.279 |
–1.619 |
–0.899 |
μ
2
|
–2.209 |
–1.677 |
–1.229 |
–0.222 |
–1.180 |
σ
1
|
0.801 |
1.127 |
0.783 |
1.774 |
1.269 |
σ
2
|
1.727 |
1.269 |
1.564 |
0.920 |
2.457 |
ω
1
|
0.727 |
0.789 |
0.152 |
0.836 |
0.983 |
ω
2
|
0.273 |
0.211 |
0.848 |
0.164 |
0.017 |
a
|
5.85 |
6.47 |
56.20 |
125.00 |
626.00 |
b
|
3.660 |
4.121 |
36.530 |
90.485 |
1068.114 |
m
|
0.67 |
0.72 |
0.59 |
0.47 |
0.96 |
|
(5) Excess ratios by claim group (as calculated in appendix C.1) |
|
Loss Limit |
Fatal |
PT |
Likely PP/TT |
Not Likely PP/TT |
Medical Only |
$10,000 |
0.950 |
0.992 |
0.923 |
0.758 |
0.127 |
$100,000 |
0.597 |
0.921 |
0.564 |
0.291 |
0.044 |
$500,000 |
0.120 |
0.686 |
0.219 |
0.087 |
0.022 |
$1,000,000 |
0.039 |
0.508 |
0.122 |
0.043 |
0.014 |
$5,000,000 |
0.003 |
0.120 |
0.018 |
0.005 |
0.004 |
|
(6) Per-Claim excess ratio \(= \sum_{{Claim\ Group}}^{}{(2) \cdot (5)}\) |
|
Loss Limit |
Per- Claim Excess Ratio |
$10,000 |
0.763 |
$100,000 |
0.405 |
$500,000 |
0.163 |
$1,000,000 |
0.095 |
$5,000,000 |
0.016 |
|
(7) Per-Occurrence excess ratio (using linear interpolation on Table H.3): |
|
Loss Limit |
Per-Occ Excess Ratio |
$10,000 |
0.764 |
$100,000 |
0.410 |
$500,000 |
0.170 |
$1,000,000 |
0.102 |
$5,000,000 |
0.020 |