-
evaluate the effect of the various health care
reform proposals on the firm’s operations and profitability.
-
develop necessary rate structure.
-
identify developing trends that might have a
significant adverse impact on future claims. Are claims increasing
faster than expected? Are case reserves consistent with benchmarks
established for the insurance industry?
-
estimate the unpaid liabilities for financial
reporting purposes.
-
evaluate total cost of risk and the appropriate
allocation by operating units. We will balance responsiveness to
actual historical claims and stability of allocation
-
certify the reasonableness of the rates and
financial projections to meet insurance department regulations
-
evaluate appropriateness of existing excess
insurance program. Consider alternative structure and/or retention
levels
-
support sales effort by analyzing distribution of
health care providers, population density and demographic patterns
along with residential and employer proximities.
-
assist in the design and selection of the
appropriate risk management system by assuring that required data
fields and reports are addressed
