Health Cost Guidelines


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The Milliman UK Health Cost Guidelines provide valuable information for pricing and benchmarking claims experience against market experience. They cover a significant portion of the private medical insurance market, broken out by corporate, small and medium enterprises, and the individual market. They are updated regularly to address the latest trends and regulatory compliance issues and to:

  • Model healthcare utilisation
  • Estimate expected claim costs
  • Adjust national average healthcare costs for specific geographic areas, benefits, reimbursement structures and plan characteristics
  • Project future claims costs under different contracting scenarios

Milliman uses multiple sources of data to produce the most comprehensive Health Cost Guidelines available and relies on over 50 years of experience developing similar tools for the US market.

The HCGs set out a flexible and consistent basis and methodology for the determination of healthcare costs for a wide variety of health insurance plans. They can be used to anticipate future healthcare costs, evaluate past experience and establish interrelationships between the uses of various services as well as model the effect of different claims management strategies on overall claims costs.

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