The exhibit arrives. The sponsor wants the meaning.
Is the plan running hot, which line is doing it, and is it a trend or one bad year? blankit reads the carrier’s exhibit and answers that in your firm’s branding.
Paid and incurred, kept apart
Incurred is what an underwriter rates on. Both are carried through every figure, because a plan judged on paid claims alone looks better than it is.
Period by period
Experience windows rarely match anniversaries. Each period is read on its own terms, never flattened into an annual figure that was not on the page.
Any carrier’s layout
Every insurer formats the report differently, and some split pooled and non-pooled pages. Upload the PDF or workbook you were sent.
Documents are stored in Canada; AI processing that reads them may take place outside Canada, including in the United States. The details are on Trust & security.
A blank on the page is unknown — it is never zero.
No invented years
Where a document states paid claims but not incurred, incurred stays empty. Copying paid across would flatter every loss ratio built on that period.
No invented premiums
A missing premium treated as real would show a line with real claims running at 0%. That shape is refused outright.
You will sometimes see “not disclosed” where another tool shows a confident number. That is honesty about what the carrier printed.
Claims with no premium
An insured line that paid claims was billing premium. Claims against no premium is a misread, so nothing renders and every affected period is named.
A benefit the reading lost
blankit checks the carrier’s own page for lines that never came through, and names the benefit and page rather than reporting on the rest.
Totals that do not add up
Where the carrier prints a total, blankit checks its sum against it. On a mismatch, the totals are held and the cover note gives you both figures.
A fully pooled group is different: it is not rated on its own claims, so it gets no claims-experience pages. A claims document for a group you marked pooled is set aside, naming the group. Only you can mark a group pooled.
What is high, and what you could do about it.
Tick a box and a report carries plan-change options: the plan today, the change, and the share of claims it touches. The sponsor sees no dollar figures; you see the savings modelled on the group’s own claims.
Category spend is set against a wider benchmark, and against your own book on the block claims profile. A comparison only shows where there is enough behind it, and a firm can keep its book out of the benchmark.
Where the drug money goes, and which cards cover it.
When the carrier’s report lists the group’s top drugs, the report charts them by paid amount and share of drug spend, with claimant counts where the carrier gives them.
A drug on the innoviCares or RxHelp ONE covered-medication list is marked with the card that lists it. The match is against each program’s own published list, and the report prints the date it was checked — lists change, so members are told to confirm when they enrol. No list, no mark: blankit never guesses that a card applies.
For the plan members themselves, the client’s Documents tab offers a one-page drug-savings handout in English or French — French first for a Quebec client — under your firm’s logo and the sponsor’s: the programs your firm has approved, each with its own conditions, and no claims data on it — safe to send to every employee. Use innoviCares and RxHelp ONE as provided, make your own copy, or leave either out.
Forward the report to your firm’s intake address, or point blankit at the Google Drive folder where carrier reports land. It checks hourly, emails you the branded report, and can file a copy back into the folder.
Each report goes with a short cover note, written to be forwarded as it stands. Its figures are the report’s figures, and the same history feeds the next renewal and any market.
Send the meaning, not the exhibit.
Bring a claims report you have already sent, and see what your sponsor would have read instead.