{"text_format":"1","workbook":"xlsx","n_sheets":6,"sheets":["Index","NSLT Health_Prem & Reserve Risk","NSLT Health_Lapse Risk","Health_Catastrophe Risk","NSLT Health Risk","Data"],"not_rendered":{"charts":0,"images":0,"macros":1,"external_links":0,"defined_names":38,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Index","index":0,"n_rows":35,"n_cols":6,"rows_kept":35,"cut":false,"hidden":false,"merged":[[27,3,27,5],[29,3,29,5],[32,3,32,5],[34,3,34,5],[3,0,3,16383],[5,0,5,16383],[8,1,8,5],[7,0,7,16383],[25,3,25,5]]}
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[]
[]
["Throughout this helper spreadsheet, 'Regulation' refers to the Insurance (Long-Term Business Solvency) Regulations 2021 unless stated otherwise. "]
[]
["Where applicable, the terms used in this form should be taken to have the same meaning as defined in the Regulations."]
[]
["This worksheet \"Health_Risk_Template_Life\" has been produced to aid the insurer in its calculation of the capital requirement for NSLT health premium and reserve risk, NSLT health lapse risk, NSLT health risk and Health catastrophe risk."]
[]
[null,"Release Date:","2022-06-30",null,null,"Key"]
[]
[null,null,null,null,null,"Input Cell"]
[]
[null,null,null,null,null,"Formula Cell"]
[]
[null,null,null,null,null,"Fixed value cell"]
[]
[null,null,null,null,null,"Fixed value cell"]
[]
[null,null,null,null,null,"           *          \nClick on cell for information"]
[]
[]
[null,"Tab","Link","Content"]
[]
[]
[null,{"$f":"'NSLT Health_Prem & Reserve Risk'!$A$1","v":"NSLT Health_Prem & Reserve Risk"},"Link","Input for the calculation of the capital charge for premium and reserve risk for NSLT Health risk module."]
[]
[null,{"$f":"'NSLT Health_Lapse Risk'!$A$1","v":"NSLT Health_Lapse Risk"},"Link","Calculation of the capital requirement for NSLT Health lapse risk ."]
[]
[null,{"$f":"'Health_Catastrophe Risk'!$A$1","v":"Health_Catastrophe Risk"},"Link","Input for the calculation of the capital charge for Health Catastrophe risk."]
[]
[]
[null,{"$f":"'NSLT Health Risk'!$A$1","v":"NSLT Health Risk"},"Link","Calculation of the capital requirement for NSLT Health risk."]
[]
[null,"Data","Link","Information only"]

{"sheet":"NSLT Health_Prem & Reserve Risk","index":1,"n_rows":275,"n_cols":27,"rows_kept":275,"cut":false,"hidden":false,"merged":[]}
[{"$f":"RIGHT(CELL(\"filename\",$A$1),LEN(CELL(\"filename\",$A$1))-FIND(\"]\",CELL(\"filename\",$A$1)))","v":"NSLT Health_Prem & Reserve Risk"}]
[]
[]
[null,null,"This sheet may be used to estimate the NSLT health premium and reserve risk capital requirement."]
[]
[null,"Volume Measure                                      ",null,null,null,null,"        Ps        ",null,"     P(last,s)    ",null," FP(existing,s)",null,"   FP(future,s)  ",null,"    V(prem,s)   ",null,"     V(res,s)     ",null,"       Health_DIVs",null,"        Vs         ",null,null,"Number of aggregate caps  *"]
[]
[null," A  - Medical expense & Prop. Reins.",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"MAX(G8,I8)+K8+M8","v":0},null,null,null,1,null,{"$f":"(O8+Q8)","v":0},null,null,1]
[null," B  - Income Protection & Prop. Reins.",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,1,null,{"$f":"(O9+Q9)","v":0},null,null,1]
[null," C  - Workers' compensation & Prop. Reins.",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,1,null,0,null,null,1]
[null," D - Non-prop. reinsurance - Health",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,1,null,0,null,null,11]
[]
[]
[]
[]
[]
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[]
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[]
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[null,60,null,null,null,{"$f":"IF(B274<=OFFSET($X$8,B212-1,0),0,1)","v":1},null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,{"$f":"IF(O274<>0,MAX(0,MIN((Q274-O274)/O274/'NSLT Health Risk'!$E$33,'NSLT Health_Prem & Reserve Risk'!$X$213)),'NSLT Health_Prem & Reserve Risk'!$X$213)","v":0.17},null,null,{"$f":"IF(S274<>0,MAX(0,MIN((U274-S274)/S274/'NSLT Health Risk'!$E$33,'NSLT Health_Prem & Reserve Risk'!$AA$213)),'NSLT Health_Prem & Reserve Risk'!$AA$213)","v":0.2}]
[null,null,null,null,null,{"$f":"IF(OFFSET($X$8,B212-1,0)=0,1,0)","v":0}]

{"sheet":"NSLT Health_Lapse Risk","index":2,"n_rows":70,"n_cols":17,"rows_kept":70,"cut":false,"hidden":false,"merged":[]}
[{"$f":"RIGHT(CELL(\"filename\",$A$1),LEN(CELL(\"filename\",$A$1))-FIND(\"]\",CELL(\"filename\",$A$1)))","v":"NSLT Health_Lapse Risk"}]
[]
[null,"This sheet may be used to estimate the NSLT health lapse risk capital requirement."]
[]
[null,"Health Lapse Risk",null,null,null,"Profitable Grouping  *",null,"Line of Business",null,"Pipeline Premiums  *",null,"Ultimate Loss Ratio  *",null,"Claims Expense Ratio  *",null,null,"Lapse Risk Charge"]
[]
[null,"1 in 200 year Shock"]
[]
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[null,null,null,12,null,null,null,null,null,null,null,null,null,null,null,null,0]
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[null,null,null,15,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,16,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,17,null,null,null,null,null,null,null,null,null,null,null,null,0]
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[null,null,null,19,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,20,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,21,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,22,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,23,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,24,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,25,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,26,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,27,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,28,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,29,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,30,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,31,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"40%*(1-L39-N39)*J39","v":0}]
[null,null,null,32,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,33,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,34,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,35,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,36,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,37,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,38,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,39,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,40,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,41,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,42,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,43,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,44,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,45,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,46,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,47,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,48,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,49,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,50,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,51,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,52,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,53,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,54,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,55,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,56,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,57,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,58,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,59,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,60,null,null,null,null,null,null,null,null,null,null,null,null,0]
[]
[null,"Health Lapse Up 40%",null,"Total Lapse Risk Charge",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(Q9:Q68)","v":0}]

{"sheet":"Health_Catastrophe Risk","index":3,"n_rows":98,"n_cols":49,"rows_kept":98,"cut":false,"hidden":false,"merged":[[11,28,11,38],[11,51,13,51],[12,5,12,13],[12,30,12,38],[11,2,13,3],[11,5,11,13]]}
[{"$f":"RIGHT(CELL(\"filename\",$A$1),LEN(CELL(\"filename\",$A$1))-FIND(\"]\",CELL(\"filename\",$A$1)))","v":"Health_Catastrophe Risk"}]
[]
[null,null,"This sheet may be used to estimate the Health Catastrophe risk requirement."]
[]
[null,null,null,null,null,"Pandemic risk  *"]
[]
[null,null,null,null,null,"Income protection exposure *",null,"Incidence",null,"Gross Lp *",null,"Impact of aggregate caps *",null,"Lp after aggregate cap *",null,"Impact of RM  *",null,"Net Lp"]
[]
[null,null,null,null,null,null,null,{"$f":"0.000075","v":7.4999999999999993E-5},null,{"$f":"F9*H9","v":0},null,null,null,{"$f":"L9+J9","v":0},null,null,null,{"$f":"N9-P9","v":0}]
[]
[]
[null,null,"Country c",null,null,"Health Mass Accident Risk *",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Accident concentration risk  *"]
[null,null,null,null,null,"--------------------------- Sums insured ------------------------",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"------------- Sums insured in largest concentration ------------"]
[null,null,null,null,null,"Death  *",null,"Permanent disability  *",null,"10 year disability  *",null,"12 month disabiilty  *",null,"Medical treatment  *",null,"rc",null,"Gross Lc *",null,"Impact of aggregate caps *",null,"Lc after aggregate cap *",null,"Impact of RM  *",null,"Net Lc ",null,null,"Largest concentration Cc  *",null,"Death  *",null,"Permanent disability  *",null,"10 year disability  *",null,"12 month disabiilty  *",null,"Medical treatment  *",null,"Gross Lc *",null,"Impact of aggregate caps *",null,"Lc after aggregate cap *",null,"Impact of RM  *",null,"Net Lc"]
[]
[null,null,"Austria",null,null,null,null,null,null,null,null,null,null,null,null,3.0000000000000001E-3,null,{"$f":"SUMPRODUCT(F16:N16,$F$95:$N$95)*P16","v":0},null,null,null,{"$f":"T16+R16","v":0},null,null,null,{"$f":"V16-X16","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUMPRODUCT(AE16:AM16,$AE$95:$AM$95)","v":0},null,null,null,{"$f":"AQ16+AO16","v":0},null,null,null,{"$f":"AS16-AU16","v":0}]
[null,null,"Belgium",null,null,null,null,null,null,null,null,null,null,null,null,2.5000000000000001E-3,null,{"$f":"SUMPRODUCT(F17:N17,$F$95:$N$95)*P17","v":0},null,null,null,{"$f":"T17+R17","v":0},null,null,null,{"$f":"V17-X17","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUMPRODUCT(AE17:AM17,$AE$95:$AM$95)","v":0},null,null,null,{"$f":"AQ17+AO17","v":0},null,null,null,{"$f":"AS17-AU17","v":0}]
[null,null,"Bulgaria",null,null,null,null,null,null,null,null,null,null,null,null,3.0000000000000001E-3,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
[null,null,"Croatia",null,null,null,null,null,null,null,null,null,null,null,null,4.0000000000000001E-3,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
[null,null,"Cyprus",null,null,null,null,null,null,null,null,null,null,null,null,1.2999999999999999E-2,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
[null,null,"Czech Republic",null,null,null,null,null,null,null,null,null,null,null,null,1E-3,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
[null,null,"Denmark",null,null,null,null,null,null,null,null,null,null,null,null,3.5000000000000001E-3,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
[null,null,"Estonia",null,null,null,null,null,null,null,null,null,null,null,null,4.4999999999999997E-3,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
[null,null,"Finland",null,null,null,null,null,null,null,null,null,null,null,null,3.5000000000000001E-3,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
[null,null,"France",null,null,null,null,null,null,null,null,null,null,null,null,5.0000000000000001E-4,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
[null,null,"Germany",null,null,null,null,null,null,null,null,null,null,null,null,5.0000000000000001E-4,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
[null,null,"Greece",null,null,null,null,null,null,null,null,null,null,null,null,3.0000000000000001E-3,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
[null,null,"Hungary",null,null,null,null,null,null,null,null,null,null,null,null,1.5E-3,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
[null,null,"Iceland",null,null,null,null,null,null,null,null,null,null,null,null,2.4500000000000001E-2,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
[null,null,"Ireland",null,null,null,null,null,null,null,null,null,null,null,null,9.4999999999999998E-3,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
[null,null,"Italy",null,null,null,null,null,null,null,null,null,null,null,null,5.0000000000000001E-4,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
[null,null,"Latvia",null,null,null,null,null,null,null,null,null,null,null,null,2E-3,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
[null,null,"Lithuania",null,null,null,null,null,null,null,null,null,null,null,null,2E-3,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
[null,null,"Luxembourg",null,null,null,null,null,null,null,null,null,null,null,null,1.0500000000000001E-2,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
[null,null,"Malta",null,null,null,null,null,null,null,null,null,null,null,null,2.1499999999999998E-2,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
[null,null,"Netherlands",null,null,null,null,null,null,null,null,null,null,null,null,1.5E-3,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
[null,null,"Norway",null,null,null,null,null,null,null,null,null,null,null,null,2.5000000000000001E-3,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
[null,null,"Poland",null,null,null,null,null,null,null,null,null,null,null,null,1E-3,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
[null,null,"Portugal",null,null,null,null,null,null,null,null,null,null,null,null,3.0000000000000001E-3,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
[null,null,"Romania",null,null,null,null,null,null,null,null,null,null,null,null,1.5E-3,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
[null,null,"Slovak Republic",null,null,null,null,null,null,null,null,null,null,null,null,3.0000000000000001E-3,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
[null,null,"Slovenia",null,null,null,null,null,null,null,null,null,null,null,null,4.0000000000000001E-3,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
[null,null,"Spain",null,null,null,null,null,null,null,null,null,null,null,null,1E-3,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
[null,null,"Sweden",null,null,null,null,null,null,null,null,null,null,null,null,2.5000000000000001E-3,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
[null,null,"Switzerland",null,null,null,null,null,null,null,null,null,null,null,null,2.5000000000000001E-3,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
[null,null,"United Kingdom",null,null,null,null,null,null,null,null,null,null,null,null,5.0000000000000001E-4,null,0,null,null,null,0,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,0,null,null,null,0]
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[]
[null,null,"xe",null,null,0.1,null,1.4999999999999999E-2,null,0.05,null,0.13500000000000001,null,0.3,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.1,null,1.4999999999999999E-2,null,0.05,null,0.13500000000000001,null,0.3]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SQRT(SUMSQ(Z16:Z93))","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SQRT(SUMSQ(AW16:AW93))","v":0}]

{"sheet":"NSLT Health Risk","index":4,"n_rows":81,"n_cols":14,"rows_kept":81,"cut":false,"hidden":false,"merged":[]}
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[]
[]
[]
[null,"NSLT Health Underwriting Risk"]
[]
[null,"Healthpr",null,null,{"$f":"NL_Health_PR_200","v":0}]
[null,"Healthlapse",null,null,{"$f":"NL_Lapse_200_Health","v":0}]
[]
[null,"Capital Requirement (before div. effects)",null,null,{"$f":"SUM(E7:E8)","v":0}]
[]
[null,"Diversification",null,null,{"$f":"E14-E10","v":0}]
[]
[null,"SCRNonSLT_health",null,null,{"$f":"SQRT(MMULT(MMULT(TRANSPOSE(E7:E8),HealthCorr_UW),E7:E8))","v":0}]
[]
[]
[]
[null,"Health Catastrophe Risk"]
[]
[null,"Healthmassaccident",null,null,{"$f":"'Health_Catastrophe Risk'!Health_MassAccident_200","v":0}]
[null,"Healthconcentration",null,null,{"$f":"'Health_Catastrophe Risk'!Health_Concentration_200","v":0}]
[null,"Healthpandemic",null,null,{"$f":"'Health_Catastrophe Risk'!Health_Pandemic_200","v":0}]
[]
[null,"SCRhealthCAT","*",null,{"$f":"SQRT(SUMSQ(E20:E22))","v":0}]
[]
[]
[]
[]
[null,"NSLT Health Premium and Reserve Risk"]
[]
[null,"Vnl",null,null,{"$f":"E80","v":0}]
[null,"σnl",null,null,{"$f":"E81","v":0}]
[null,"θ",null,null,3]
[]
[null,"Healthpr",null,null,{"$f":"E$31*E$32*E$33","v":0}]
[]
[]
[]
[null,"NSLT Health Lapse Risk"]
[]
[null,"Healthlapse",null,null,{"$f":"LAPSE_UP_200_HEALTH","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Standard Deviation                                          ",null,null,"       NPs        *",null,null,"   σ(prem,s)   *",null,"NPs x σ(prem,s)",null,"     σ(res,s)     *"]
[]
[null," A  - Medical expense & Prop. Reins.",null,null,1,null,null,0.05,null,{"$f":"E55*H55","v":0.05},null,0.05]
[null," B  - Income Protection & Prop. Reins.",null,null,1,null,null,8.5000000000000006E-2,null,{"$f":"E56*H56","v":8.5000000000000006E-2},null,0.14000000000000001]
[null," C  - Workers' compensation & Prop. Reins.",null,null,1,null,null,0.08,null,{"$f":"E57*H57","v":0.08},null,0.11]
[null," D - Non-prop. reinsurance - Health",null,null,1,null,null,0.17,null,{"$f":"E58*H58","v":0.17},null,0.2]
[]
[]
[]
[null,"Standard Deviation                                         ",null,null,null,null,null,null,null,"NPs x σ(prem,s)",null,"     σ(res,s)     *",null,"        σs         *"]
[]
[null," A  - Medical expense & Prop. Reins.",null,null,null,null,null,null,null,{"$f":"IF('NSLT Health_Prem & Reserve Risk'!O8<>0,(SUMPRODUCT(Agg_PH_1,Agg_SPH_1)+('NSLT Health_Prem & Reserve Risk'!O8-SUM(Agg_PH_1))*'NSLT Health Risk'!J55)/'NSLT Health_Prem & Reserve Risk'!O8,'NSLT Health Risk'!J55)","v":0.05},null,{"$f":"IF('NSLT Health_Prem & Reserve Risk'!Q8<>0,(SUMPRODUCT(Agg_RH_1,Agg_SRH_1)+('NSLT Health_Prem & Reserve Risk'!Q8-SUM(Agg_RH_1))*'NSLT Health Risk'!L55)/'NSLT Health_Prem & Reserve Risk'!Q8,'NSLT Health Risk'!L55)","v":0.05},null,{"$f":"IF(SUM('NSLT Health_Prem & Reserve Risk'!O8:Q8)<>0,SQRT((J64*'NSLT Health_Prem & Reserve Risk'!O8)^2+(J64*'NSLT Health_Prem & Reserve Risk'!O8*L64*'NSLT Health_Prem & Reserve Risk'!Q8)+(L64*'NSLT Health_Prem & Reserve Risk'!Q8)^2)/('NSLT Health_Prem & Reserve Risk'!O8+'NSLT Health_Prem & Reserve Risk'!Q8),0)","v":0}]
[null," B  - Income Protection & Prop. Reins.",null,null,null,null,null,null,null,{"$f":"IF('NSLT Health_Prem & Reserve Risk'!O9<>0,(SUMPRODUCT(Agg_PH_2,Agg_SPH_2)+('NSLT Health_Prem & Reserve Risk'!O9-SUM(Agg_PH_2))*'NSLT Health Risk'!J56)/'NSLT Health_Prem & Reserve Risk'!O9,'NSLT Health Risk'!J56)","v":8.5000000000000006E-2},null,{"$f":"IF('NSLT Health_Prem & Reserve Risk'!Q9<>0,(SUMPRODUCT(Agg_RH_2,Agg_SRH_2)+('NSLT Health_Prem & Reserve Risk'!Q9-SUM(Agg_RH_2))*'NSLT Health Risk'!L56)/'NSLT Health_Prem & Reserve Risk'!Q9,'NSLT Health Risk'!L56)","v":0.14000000000000001},null,{"$f":"IF(SUM('NSLT Health_Prem & Reserve Risk'!O9:Q9)<>0,SQRT((J65*'NSLT Health_Prem & Reserve Risk'!O9)^2+(J65*'NSLT Health_Prem & Reserve Risk'!O9*L65*'NSLT Health_Prem & Reserve Risk'!Q9)+(L65*'NSLT Health_Prem & Reserve Risk'!Q9)^2)/('NSLT Health_Prem & Reserve Risk'!O9+'NSLT Health_Prem & Reserve Risk'!Q9),0)","v":0}]
[null," C  - Workers' compensation & Prop. Reins.",null,null,null,null,null,null,null,{"$f":"IF('NSLT Health_Prem & Reserve Risk'!O10<>0,(SUMPRODUCT(Agg_PH_3,Agg_SPH_3)+('NSLT Health_Prem & Reserve Risk'!O10-SUM(Agg_PH_3))*'NSLT Health Risk'!J57)/'NSLT Health_Prem & Reserve Risk'!O10,'NSLT Health Risk'!J57)","v":0.08},null,{"$f":"IF('NSLT Health_Prem & Reserve Risk'!Q10<>0,(SUMPRODUCT(Agg_RH_3,Agg_SRH_3)+('NSLT Health_Prem & Reserve Risk'!Q10-SUM(Agg_RH_3))*'NSLT Health Risk'!L57)/'NSLT Health_Prem & Reserve Risk'!Q10,'NSLT Health Risk'!L57)","v":0.11},null,{"$f":"IF(SUM('NSLT Health_Prem & Reserve Risk'!O10:Q10)<>0,SQRT((J66*'NSLT Health_Prem & Reserve Risk'!O10)^2+(J66*'NSLT Health_Prem & Reserve Risk'!O10*L66*'NSLT Health_Prem & Reserve Risk'!Q10)+(L66*'NSLT Health_Prem & Reserve Risk'!Q10)^2)/('NSLT Health_Prem & Reserve Risk'!O10+'NSLT Health_Prem & Reserve Risk'!Q10),0)","v":0}]
[null," D - Non-prop. reinsurance - Health",null,null,null,null,null,null,null,{"$f":"IF('NSLT Health_Prem & Reserve Risk'!O11<>0,(SUMPRODUCT(Agg_PH_4,Agg_SPH_4)+('NSLT Health_Prem & Reserve Risk'!O11-SUM(Agg_PH_4))*'NSLT Health Risk'!J58)/'NSLT Health_Prem & Reserve Risk'!O11,'NSLT Health Risk'!J58)","v":0.17},null,{"$f":"IF('NSLT Health_Prem & Reserve Risk'!Q11<>0,(SUMPRODUCT(Agg_RH_4,Agg_SRH_4)+('NSLT Health_Prem & Reserve Risk'!Q11-SUM(Agg_RH_4))*'NSLT Health Risk'!L58)/'NSLT Health_Prem & Reserve Risk'!Q11,'NSLT Health Risk'!L58)","v":0.2},null,{"$f":"IF(SUM('NSLT Health_Prem & Reserve Risk'!O11:Q11)<>0,SQRT((J67*'NSLT Health_Prem & Reserve Risk'!O11)^2+(J67*'NSLT Health_Prem & Reserve Risk'!O11*L67*'NSLT Health_Prem & Reserve Risk'!Q11)+(L67*'NSLT Health_Prem & Reserve Risk'!Q11)^2)/('NSLT Health_Prem & Reserve Risk'!O11+'NSLT Health_Prem & Reserve Risk'!Q11),0)","v":0}]
[]
[]
[]
[null,"Overall",null,null,"Vs x σs"]
[]
[null," A  - Medical expense & Prop. Reins.",null,null,{"$f":"'NSLT Health_Prem & Reserve Risk'!U8*N64","v":0}]
[null," B  - Income Protection & Prop. Reins.",null,null,{"$f":"'NSLT Health_Prem & Reserve Risk'!U9*N65","v":0}]
[null," C  - Workers' compensation & Prop. Reins.",null,null,{"$f":"'NSLT Health_Prem & Reserve Risk'!U10*N66","v":0}]
[null," D - Non-prop. reinsurance - Health",null,null,{"$f":"'NSLT Health_Prem & Reserve Risk'!U11*N67","v":0}]
[]
[null,"Result"]
[]
[null,"VNonSLTHealth",null,null,{"$f":"SUM('NSLT Health_Prem & Reserve Risk'!$U$8:$U$11)","v":0}]
[null,"σNonSLTHealth",null,null,{"$f":"IF($E$80=0,0,SQRT(MMULT(MMULT(TRANSPOSE($E$73:$E$76),CorrPR_Health),$E$73:$E$76))/$E$80)","v":0}]

{"sheet":"Data","index":5,"n_rows":103,"n_cols":6,"rows_kept":103,"cut":false,"hidden":false,"merged":[]}
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[]
[]
[null,"Currency","Currency Code"]
[null,"United Kingdom Pound","GBP"]
[null,"United States Dollar","USD"]
[null,"Euro","EUR"]
[null,"Sweden Krona","SEK"]
[null,"Afghanistan Afghani","AFN"]
[null,"Albania Lek","ALL"]
[null,"Algeria Dinar","DZD"]
[null,"Argentina Peso","ARS"]
[null,"Australia Dollar","AUD"]
[null,"Bahamas Dollar","BSD"]
[null,"Bahrain Dinar","BHD"]
[null,"Bangladesh Taka","BDT"]
[null,"Barbados Dollar","BBD"]
[null,"Bermuda Dollar","BMD"]
[null,"Brazil Real","BRL"]
[null,"Bulgaria Lev","BGN"]
[null,"Canada Dollar","CAD"]
[null,"Chile Peso","CLP"]
[null,"China Yuan Renminbi","CNY"]
[null,"Colombia Peso","COP"]
[null,"Costa Rica Colon","CRC"]
[null,"Croatia Kuna","HRK"]
[null,"Czech Republic Koruna","CZK"]
[null,"Denmark Krone","DKK"]
[null,"Dominican Republic Peso","DOP"]
[null,"Egypt Pound","EGP"]
[null,"Fiji Dollar","FJD"]
[null,"Hong Kong Dollar","HKD"]
[null,"Hungary Forint","HUF"]
[null,"Iceland Krona","ISK"]
[null,"India Rupee","INR"]
[null,"Indonesia Rupiah","IDR"]
[null,"Iran Rial","IRR"]
[null,"Iraq Dinar","IQD"]
[null,"Israel Shekel","ILS"]
[null,"Jamaica Dollar","JMD"]
[null,"Japan Yen","JPY"]
[null,"Jordan Dinar","JOD"]
[null,"Kenya Shilling","KES"]
[null,"Kuwait Dinar","KWD"]
[null,"Lebanon Pounds","LBP"]
[null,"Lituania Lita","LTL"]
[null,"Malaysia Ringgit","MYR"]
[null,"Mauritius Rupee","MUR"]
[null,"Mexico Peso","MXN"]
[null,"Morocco Dirham","MAD"]
[null,"New Zealand Dollar","NZD"]
[null,"Norway Krone","NOK"]
[null,"Oman Rial","OMR"]
[null,"Pakistan Rupee","PKR"]
[null,"Peru Nuevo Sol","PEN"]
[null,"Philippines Peso","PHP"]
[null,"Poland Zloty","PLN"]
[null,"Qatar Riyal","QAR"]
[null,"Romania New Leu","RON"]
[null,"Russia Ruble","RUB"]
[null,"Saudi Arabia Riyal","SAR"]
[null,"Singapore Dollar","SGD"]
[null,"South Africa Rand","ZAR"]
[null,"South Korea Won","KRW"]
[null,"Sri Lanka Rupee","LKR"]
[null,"Sudan Pound","SDG"]
[null,"Switzerland Franc","CHF"]
[null,"Taiwan New Dollar","TWD"]
[null,"Thailand Baht","THB"]
[null,"Trinidad and Tobago Dollar","TTD"]
[null,"Tunisia Dinar","TND"]
[null,"Turkey Lira","TRY"]
[null,"United Arab Emirates Dirham","AED"]
[null,"Venezuela Bolivares Fuertes","VEF"]
[null,"Vietnam Dong","VND"]
[null,"Zambia Kwacha","ZMK"]
[]
[]
[]
[]
[null,"HealthCorr                                        ","Premium","Lapse","Catastrophe"]
[null,"Premium_Reserve",1,{"$f":"TRANSPOSE(C83:C$84)","v":0},0.25]
[null,"Lapse",0,1,{"$f":"TRANSPOSE(D84:D$84)","v":0.25}]
[null,"Catastrophe",0.25,0.25,1]
[]
[]
[null,"HealthCorr_UW                               ","Premium","Lapse"]
[null,"Premium_Reserve",1,{"$f":"TRANSPOSE(C89)","v":0}]
[null,"Lapse",0,1]
[]
[]
[null,"CorrPR_Health                                 *","3A","3B","3C","3D"]
[null," 3A  - Medical expense & Prop. Reins.",1,0.5,0.5,0.5]
[null," 3B  - Income Protection & Prop. Reins.",0.5,1,0.5,0.5]
[null," 3C - Workers' compensation & Prop. Reins.",0.5,0.5,1,0.5]
[null," 3D - Non-prop. reinsurance - Health",0.5,0.5,0.5,1]
[]
[]
[null,"Lines of Business NSLT health (including proportonal reinsurance)           "]
[null,"A  - Medical expense & Prop. Reins."]
[null,"B  - Income Protection & Prop. Reins."]
[null,"C  - Workers' compensation & Prop. Reins."]
[null,"D - Non-prop. reinsurance - Health"]