The carrier sends one number. We rebuild it.
blankit rebuilds the carrier’s health and dental premium from the group’s own claims with recognized Canadian actuarial methods, counters every other line below the ask, and shows every step in the report you hand back.
When the carrier’s ask holds up, your analysis says so — and the counter is labelled as a negotiating position rather than dressed as a claims finding. A tool that finds every renewal excessive isn’t an analysis.
See the full actuarial walkFour corrections to the carrier’s number
Pool out the large claims
Take out the catastrophic claims — the pooling charge already pays for that risk.
Complete and trend the claims
Add claims incurred but not yet reported, then project to the new plan year.
Blend for credibility
Weight the group’s experience against the manual rate by how much data there is. The manual starts from last year’s rate, not this year’s ask.
Hold to the carrier’s own target
Gross up to the carrier’s own target loss ratio — not a benchmark we invented.
Nothing silently defaults.
Target loss ratio and IBNR are never defaulted — if one is missing, blankit asks. Anything synthesized is footnoted, and any adjustment you make is shown to the carrier with its reason.