{"id":4202,"date":"2020-01-04T16:11:07","date_gmt":"2020-01-04T16:11:07","guid":{"rendered":"https:\/\/detralytics.com\/?p=4202"},"modified":"2026-08-21T13:31:31","modified_gmt":"2026-08-21T13:31:31","slug":"how-to-combine-market-and-internal-medical-indices-in-orsa","status":"publish","type":"post","link":"https:\/\/detralytics.com\/fr\/publication\/how-to-combine-market-and-internal-medical-indices-in-orsa\/","title":{"rendered":"How to combine market and internal medical indices in orsa?"},"content":{"rendered":"
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Introduction<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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As part of the Own Risk and Solvency Assessment (ORSA), health insurance companies using the standard formula are required to assess the appropriateness of this formula for among others the medical inflation risk covered within the Health SCR module. However, for some companies, the medical index does not seem to reflect the real evolution of their own medical expenses. Therefore, we choose as topic of our first FAQctuary, the medical index in which we will attempt to answer this following question : How to combine market and internal medical indexes in ORSA ?<\/i><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Secteur : <\/b>Assurance<\/p>

<\/b>Expertise: <\/b>Health Insurance<\/p>

Auteurs :<\/b> Candy Mahirwe,<\/p>

Audrey Meganck,<\/p>

Michel Denuit and Julien Trufin<\/p>

\u00c9diteur :<\/b> Detralytics<\/p>

Date:<\/b> January 2020<\/p>

Langue :<\/b> Anglais<\/p>

Pages:<\/b> 15<\/p>

R\u00e9f\u00e9rence :<\/b> FAQctuary 2020-1<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\u00c0 propos des auteurs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Candy Mahirwe<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Candy is an Expert at Detralytics. During her various missions, Candy has worked on IAS19 valuation of pension plans in a consultancy firm; on the creation of an internal note about the analysis of spreads on loans of an insurance company; and as a life product manager in the actuarial department of an insurance company. Prior to joining Detralytics, Candy worked as an intern at AG Insurance.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Audrey\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Audrey Meganck<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Audrey est CEO et Senior Expert chez Detralytics Belgium. Elle supervise l\u2019ensemble des activit\u00e9s de Detralytics autour de ses quatre composantes cl\u00e9s : Interim, Consulting, Training & R&D.\u00a0<\/p>

Avant de rejoindre Detralytics, Audrey \u00e9tait Head of the Actuarial & Reporting Department chez Belfius Insurance, o\u00f9 elle \u00e9tait responsable de la tarification et des analyses de comp\u00e9titivit\u00e9 pour l\u2019ensemble des produits Non-Vie Retail, ainsi que des missions actuarielles li\u00e9es aux sinistres et \u00e0 la finance, telles que l\u2019\u00e9valuation des provisions techniques Non-Vie dans diff\u00e9rents cadres (SII, IFRS 4\/17, BeGAAP, entre autres).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Michel\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Michel Denuit <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Michel est conseiller scientifique chez Detralytics, ainsi que professeur en sciences actuarielles \u00e0 l\u2019Universit\u00e9 catholique de Louvain. Il dispose d\u2019une exp\u00e9rience internationale en tant que professeur invit\u00e9 et a men\u00e9 de nombreux projets en collaboration avec l\u2019industrie. Chez Detralytics, Michel accompagne les jeunes talents, dispense des formations de pointe, stimule l\u2019innovation et supervise les projets de R&D.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Julien\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Julien Trufin<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Julien est Scientific Advisor chez Detralytics et Professeur en sciences actuarielles au sein du d\u00e9partement de math\u00e9matiques de l\u2019Universit\u00e9 Libre de Bruxelles. Il poss\u00e8de une exp\u00e9rience en tant que consultant et un solide parcours acad\u00e9mique d\u00e9velopp\u00e9 au sein d\u2019institutions de renom, dont l\u2019Universit\u00e9 Laval (Canada), l\u2019UCL et l\u2019ULB (Belgique). Chez Detralytics, Julien encadre les jeunes talents, dispense des formations de pointe, stimule l\u2019innovation et supervise les projets de R&D.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tAll Publications<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

For some companies, the medical index does not seem to reflect the real evolution of their own medical expenses…<\/p>","protected":false},"author":1,"featured_media":4216,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[133],"tags":[],"class_list":["post-4202","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-publication"],"yoast_head":"\nFAQctuary : Combine market and internal medical indices in orsa<\/title>\n<meta name=\"description\" content=\"For some companies, the medical index does not seem to reflect the real evolution of their own medical expenses...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/detralytics.com\/fr\/publication\/how-to-combine-market-and-internal-medical-indices-in-orsa\/\" \/>\n<meta property=\"og:locale\" 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