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Table 5 Medical loss ratios * of the commercial VHI, 2005-2012 #

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

VHI 2005 2006 2007 2008 2009 2010 2011 2012
Individual 30% 31% 33% 36% 36% 35% 38% 38%
Group 77% 73% 69% 69% 71% 71% 84% 85%
  1. *The MLR is calculated as quotient of actual gross claims plus changes in outstanding claims plus indirect expenses for claims’ management (all included in the numerator) with respect to premiums revenues (the denominator).
  2. #Source: [12,16-18,30-33].