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Policy Pricing

Premiums’ Annual Change: Likely Key Drivers


EthiQal Premiums

Constantia is launching with premiums which are competitive, reflect local medical risk profiles and will be fixed until the end of 2019.

Year 2016 2017 2018 2019 Average Annual Premium % Change
Ethiqal Premium (excl. vat) BASE INDEX 2017 = 100 100 100 100 0%
Market Premium Illustration 111-120 121-130 131-145 +9%

  • Pricing cycle: calendar year (January to December).
  • Risk rating by specialty (practice type).
  • Risk loading: claim history & mitigating actions.

EthiQal estimated premium savings of 30% + in 2019.