Compensation cost indicators of long-term hospital insurance programmes for 2024

The scope of this study is to estimate indicators for monitoring the compensation cost of personal hospital insurance programmes. These indicators exclusively concern guaranteed renewable programmes. They measure the annual percentage changes of the average expenditure of the health insurance market as a whole. The study is based on data collected from 12 insurance portfolios.

The analysis of the data shows that the loss incidence across the whole portfolio increased to 18.1% in 2024, from 16.9% in 2023. Meanwhile, the average compensation cost increased to €5,238, from €5,227 in 2023. The change in these

two parameters led to an increase of 8.0% in the Single Health Index (SHI) in 2024. Without the age effects, the SHI increased by 2.5%.