Profile and challenges of the elderly as beneficiaries of insurance

 Profile and challenges of the elderly as beneficiaries of insurance

The world's population aging is already a reality and, in Brazil, this is often no different. The greater longevity of the population may be a great achievement of society, however, in a way, this brings with it some extent of reflection on the insurance scenario.


According to data presented by the Institute for Supplementary Health Studies (IESS) , in March 2020, there have been 6.6 million elderly people over 60 with health plans in Brazil, which represents 14% of the entire beneficiaries of supplementary health (47 million). This number has doubled within the last 20 years, when there have been only 3.3 million elderly people.




Ricardo Sant'ana

When analyzing the profile of those beneficiaries, we noticed that, in March 2020, 63% of the elderly were on collective plans and 37% on individual or family plans. This scenario has also changed over the years, with a jump within the number of elderly people in collective plans, especially in business that quintupled between 2020 and 2020.


One of the results of this demographic transition is that the medical assistance cost, actuarially, which follows the premise that the older the age, the greater the expenditure forecast. If we take under consideration the difficulty of longevity, over time, these costs will become increasingly higher.


But, what are the impacts of the elderly on medical plans? thanks to longevity , more technology and therefore the advancement of drugs, it's indisputable that folks are having a extended survival and an honest a part of them with the support of personal health plans, whose offer is increasingly scarce and expensive.


The reflexes of all this evolution are often felt in many variables. Let's name a few:


Rising prices for corporate plans: because the ratio is measured together, the trend towards a better ratio is more evident when the older population grows (greater use), influencing the entire costs of assets and inactive.


Increase within the values ​​of actuarial liabilities: The projections of values ​​to be considered within the record (when indicated by international accounting standards), find yourself increasing because the older population grows, because the longer term commitment, although reducing the term, has its value aggravated.


Shortage of individual plans: In accordance with the legislation effective, the acceptance criteria, sorts of adjustment, cancellation conditions, etc. discourage operators from offering this sort of solution.


Price of individual plans: There are legal provisions that regulate the age groups for setting prices, so that, so as to charge more within the higher age bracket, the operator must charge the lower age bracket higher, additionally, of course, of a static age bracket whose price above 59 years old doesn't have readjustment just in case of change aged.


Higher level of claims thanks to Covid-19: Older people are those most vulnerable to the worsening of the complications of the disease.


Difficulty in relocating corporate plans to the market: one among the problems analyzed by operators when offering their conditions for a company plan is that the actuarial analysis of the age groups. Companies with larger groups of individuals with more advanced ages end in higher final prices, to face the potential loss proportional thereto group.


According to Lockton's actuarial area, if we make actuarial projections capable of pricing an idea for the longer term, we might need to save a true fortune. this is often a challenge that the elderly will face for the longer term, also as companies that have people in these conditions.


Some quite effective government stimulus would be fundamental so as to bring more sustainability to the present important a part of health, because otherwise it'll be something which will affect everyone within the future.


In the past, there have been initial talks about tax incentives for the buildup of monetary resources through a pension account for health plan subsidies within the future. But, unfortunately, it had been another good concept didn't move forward.


* By Ricardo Sant´Ana, Benefits director at Lockton Brasil

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