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Health-insurance service economics 2026-07-21 6 min read
A correct ratio can tell the wrong operational story when the population beneath it changes.
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Health-insurance service economics Commercial terms and funding Funding and commercial commitments The archive. Health-insurance service economics Health-insurance service economics 2026-07-21 6 min read
A correct ratio can tell the wrong operational story when the population beneath it changes.
Open essay ↗ Commercial terms and funding Commercial terms and funding 2026-08-19 6 min read
A discount is only part of the comparison when obtaining it requires a substantial advance held for a defined period.
Open essay ↗ Funding and commercial commitments Funding and commercial commitments 2026-09-24 6 min read
Commercial commitments should show which money has arrived and which still depends on conditions, without confusing that distinction with distrust of shareholders.
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Imtiaz Qavzethi I put the lower cost-per-policy number in the opening slide. It seemed to show that our service organisation had handled growth more efficiently. The numerator had risen from ₹4.2 crore to ₹4.32 crore, while policy-years had risen from 36,000 to 48,000. The resulting unit cost fell from roughly ₹1,167 to ₹900. Operations then asked me to look at the people covered. Covered life-years had moved from 84,000 to 86,000, leaving that unit cost close to ₹500 in both periods. The mix of family and individual contracts had changed. I had chosen a real number and given it too broad a meaning.
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