Report of the Royal Commission on National Health Insurance

Bibliographic data

Monograph

Identifikator:: 1740277147

URN:: urn:nbn:de:zbw-retromon-132094

Document type:: Monograph

Title:: Report of the Royal Commission on National Health Insurance

Place of publication:: London

Publisher:: Stationery Office

Year of publication:: 1926

Scope:: XII, 394 S.

Digitisation:: 2020

Collection:: Economics Books

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APPENDIX A. So summary showing, approximately, the percentage which the claims of the whole insured population (in Approved Societies) in Great Britain have borne to the ‘‘ Expectation,’ i.e., to the provision made by the existing basis, in each of the six years 1919-24; separate results being given for men and for women. The second is a full statement of the experience in each of the years 1921-22-23 of a group of societies, so chosen as to constitute as nearly as may be in respect of each sex, a microcosm of the whole insured population. These societies included about 500,000 men and 400,000 women, and in the aggregate therefore their records yield observations covering about 1} million years of life in the case of men and 1% million years in the case of women. The experiences are separately tabulated for the sexes and are given in adequate detail with reference to age. The material was collected and tabulated by the Minjstry of Health, and the actuarial analysis, of which summaries are given in the tables appended to this Report, was made by the Government Actuary’s Department. We shall refer hereafter to this experience as the “ Selected Societies Experience.” 13. The summary of the experience of the insured population of Great Britain is contained in the following table. The figures are not exact since (i) it has been impracticable for the purpose of obtaining the “ Expected ’’ cost, to take out a complete age distribution of the insured population for each year included in the table and (ii) there are no means of ascertaining the extent to which, on the average of the whole insured population, the benefits have been reduced in each year in respect of arrears. It is believed however that the percentages shown are closely approximate to the actual facts; they are certainly near enough to them to supply an accurate index of the general course of the experience over the vears covered by the table. Percentages of actual to * expected’ cost of Sickness and Disablement Benefits in Great Britain. Men. Women. V ea 1919 1920 1921 1922 1923 1994 “es ves “ee | see aes ore “ee “ee wes Sickness. 75 65 67 74 64 74 Disablement. & eS 42 47 56 64 7 S0 Sickness. 71 72 8&0) C 06 Disablement. 81 94 116 130 146 161 14, Men.--Looking first at the men’s experience it will be seen that the claims for sickness benefit have varied curiously between two levels, the higher of which has prevailed in the years 1919, 1922 and 1924 and the lower in the years 1920, 1921 and 1923. The higher level is probably explainable by the claims incidental to epidemic sickness, and the character of the fluctuations is such as to create doubt as to whether under existing conditions—including the liability to frequent and some- times severe visitations of influenza—an experience of even six years’ claims is sufficient to give a reliable average. In any case it enforces the need for retaining a reasonable margin if such average be adopted for the purpose of a new basis. 15. The experience of disablement benefit has followed quite a different course, the claims have constantly risen and in 1924 (assuming that in the Meantime the expectation had not greatly changed) were nearly double those of the year 1919. The relative magnitude of these fioures compared

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