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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].