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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].