The report contains four papers, all on a PHI theme. The first two reports describe a methodology of analysing PHI experience using the multi-state model approach developed in CMIR 12 in 1991. The first report deals with the analysis of inception rates, and the second, much longer, report deals with the analysis of claim terminations due to both deaths and recoveries. The methodology is demonstrated using data for four quadrennia (covering the period 1975 to 1990) for Individual PHI and for three quadrennia (…
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