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Table 4 Medical loss ratios * of VHI, by health plan, 2005-2012 **

From: Medical loss ratio as a potential regulatory tool in the Israeli healthcare system

Health plan (% of the Israeli permanent residents in 2012) VHI (% of the Israeli permanent residents in 2012) # 2005 2006 2007 2008 2009 2010 2011 2012
Clalit (52.3%) Mushlam (36.4%)     81% 85% 85% 89% 87%
Platinum (13.4%)§     37% 41% 51% 59% 72%
Total 82% 82% 76% 75% 77% 76% 80% 83%
Maccabi (25.0%) Silver Shield (0.5%)     88% 93% 89% 91% 90%
Gold Shield (21.1%)§     88% 95% 92% 95% 87%
Total 89% 89% 88% 88% 94% 90% 93% 87%
Meuhedet (13.6%) Adif (9.3%)     81% 81% 80% 89% 96%
Si (5.4%)§     33% 53% 57% 44% 45%
Total 88% 79% 75% 69% 73% 73% 74% 79%
Leumit (9.1%) Silver (0.5%)     57% 53% 57% 70% 69%
Gold (5.7%)     65% 67% 67% 69% 69%
Total 79% 75% 71% 64% 67% 67% 69% 69%
  1. *The MLR is calculated as quotient of actual claims (deducted by copayments) with respect to premiums revenues.
  2. #Percentages do not add up to 100% since people may be enrolled in both layers of health plans’ VHI.
  3. §Clalit Platinum was launched in 2007; In May 2012 Maccabi’s Silver Shield coverage was closed for new enrollment and united with Maccabi Gold Shield; Meuhedet Si and Leumit Gold were launched in 2004.
  4. **Source: [11,14,25-29].