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Just as with individual insurance, it is the net premium which is considered inn calculating reserves. The net premium must be calculated from mortality tables.which are prescribed or issued by the state of authorities.. however it should be noted that some companies choose to follow the more conservative approach of suing gross premiums instead of net premiums when calculating reserves on the one-year renewable term type of policy.

While the term health insurance is most commonly used by the public to describe coverage for medical expenses, the insurance industry uses the term more broadly to include other related forms of coverage, such as disability income and long-term care insurance.