We used Premium per Life (PPL) as an indicator to evaluate the changing patterns in health cover and healthcare utilization and identified the key drivers that contributed to growth in PPL. A glimpse of our findings:

• About 9% growth in PPL is attributed to the trend in pre/post-hospitalization claims.
• Premium Per life has grown by 7% due to higher coverage in premiums
• The current trend in Loss Ratios contributes to about 11% of the growth in PPL