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Effective URL: https://www.dailymaverick.co.za/article/2021-06-06-south-africas-top-life-insurers-report-spike-in-death-claims-during-covid-19-...
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Toggle navigation Home * * * * * * Login Support DM * Home * Home * Investigations * Scorpio * Our Burning Planet * Amabhungane * Declassified UK * News & Analysis * Business Maverick * Maverick Citizen * Sport * Newsdeck * 2021 Local Elections * Features * Opinionistas * Maverick Life * TGIFood * Covid-19 * Podcasts * Webinars * Zapiro * Newsletters * Newspaper * Distribution Outlets * E-Edition * Contact Us GO * * Shop * Support DM * * Shop * Support DM * Login × search Custom Search Sort by: Date Date Relevance DM168 BUSINESS MAVERICK 168 SOUTH AFRICA’S TOP LIFE INSURERS REPORT SPIKE IN DEATH CLAIMS DURING COVID-19 PANDEMIC The coffin of a victim of Covid-19 taken to the grave by relatives at a burial ground in Johannesburg. (Photo: EPA-EFE / KIM LUDBROOK) By Sasha Planting Follow 06 Jun 2021 Follow 0 CLAIMS FROM MARCH 2020 TO JANUARY THIS YEAR WERE WELL ABOVE WHAT WAS EXPECTED BY THE INDUSTRY. Listen to this article 0:00 / 6:15 1X BeyondWords First published in the Daily Maverick 168 weekly newspaper. South Africa’s largest life insurers have reported increases of 50% to 60% in death claims against fully underwritten individual life policies between March last year, when the first Covid-19 case was recorded in South Africa, and the end of January 2021. Although life insurers anticipated that death claims would increase in line with the national death rate during the second wave, insured lives lost exceeded the expected death rate by four times at the peak of the second wave in January 2021. In comparison, the country as a whole saw an increase in reported deaths of 2.8 times the expected death rate. “This was a surprising finding given that policyholders with fully underwritten life policies tend to have fewer comorbidities and usually have access to better healthcare,” says Anja Kuys, chair of the Actuarial Society of South Africa’s Continuous Statistical Investigation (CSI) committee. The information came via a CSI-designed dashboard that tracks excess death claims against policies. The data is submitted by four of SA’s biggest life insurers, representing about 70% of individual life insurance premiums, and the data is used to provide life insurers with insights into the impact of the Covid-19 pandemic on policyholders as measured by excess deaths. This is to help ensure accurate pricing of future policy benefits and ensure sufficient capital reserves. The statistics exclude universal life policies and limited underwriting policies (such as funeral policies). Covid-19 impact on policyholders What confounds the insurers is that fully underwritten individual life policies are only issued to policyholders who have had a comprehensive assessment of their lifestyle, health and medical history. Put another way, it was expected that the mortality experience of these policyholders would differ significantly from that of the rest of the population. “It’s difficult to determine why the change in death rates for insured lives deviated so significantly from the national death rates during the second wave. This does underscore the need for credible statistics that will enable life insurers to accurately price future risk and ensure that they have sufficient capital reserves in place,” Kuys says. The graph on the right compares total population deaths (in blue), recorded from 2020 and beyond by the South African Medical Research Council (SAMRC), with the death claims (in red) experienced by four of South Africa’s largest life insurers. What is also alarming about the statistics is the removal of productive capacity from South Africa’s severely under-capacitated economy. Typically this type of life insurance is held by people of working age who have dependants or debt such as a home loan – and usually both. Kuys says the dashboard shows an increase in death claims of between 50% and 70% in all age bands above 30 when compared with expected deaths. The highest number of death claims related to Covid-19 were submitted for policyholders between the ages of 60 and 69 (467), followed closely by the 50 to 59 age band (447 cases). Excess deaths The life insurance industry has recorded excess deaths not only among people holding fully underwritten life insurance policies but also across the spectrum of policies held by South Africans. Overall, the life industry recorded 434,216 death claims in 2020, a significant increase from the 317,442 claims received in 2019. More than half the death claims in 2020 were for funeral policies (266,321), while the rest were for life policies, credit life policies and other policies that provide life cover. Cumulatively, the payouts reflect a significant contribution to the South African economy, which does not diminish the loss and trauma experienced by families, but may cushion it somewhat. In total, claims and benefit payments worth R522.7-billion were received from SA life insurers in 2020. This is an increase of R31.7-billion from the R491-billion injected into the economy in 2019, according to the Association for Savings and Investment South Africa (Asisa). The significance of the size payments becomes evident when considered against the government’s R335.2-billion social development budget for 2021, says Hennie de Villiers, deputy chair of the Asisa Life and Risk Board Committee. The payments made to policyholders and beneficiaries included retirement annuity and endowment policy benefits, as well as claims against life, disability, critical illness and income protection policies. “For most of the recipients, the payments would have been triggered either by a tragic life event like death or disability, or retirement. This means that more than half a trillion rand was paid … last year to provide financial stability in a time of great need.” Although the numbers may seem large, South Africa’s life insurance industry is well capitalised, holding assets of R3.23-trillion at the end of 2020. Liabilities amounted to R2.89-trillion, which left the industry with free assets of R333.5-billion, which is more than double the capital required by the Solvency Capital Requirements. DM168 This story first appeared in our weekly Daily Maverick 168 newspaper which is available for free to Pick n Pay Smart Shoppers at these Pick n Pay stores. RELATED ARTICLES * Covid-19 * death claims * Life insurers * policyholders -------------------------------------------------------------------------------- "Information pertaining to Covid-19, vaccines, how to control the spread of the virus and potential treatments is ever-changing. Under the South African Disaster Management Act Regulation 11(5)(c) it is prohibited to publish information through any medium with the intention to deceive people on government measures to address COVID-19. We are therefore disabling the comment section on this article in order to protect both the commenting member and ourselves from potential liability. Should you have additional information that you think we should know, please email letters@dailymaverick.co.za" Adverts on/off? You choose. X TOP READS THIS HOUR DM168 MY FELLOW SOUTH AFRICANS: WE TAKE A PEEK INSIDE A HIGH-LEVEL CABINET MEETING COVID-19 TRAVEL BAN THREATENS INFORMATION SHARING, WEAKENS GLOBAL SOLIDARITY COVID-19 EARLY CLINICAL PICTURES OF OMICRON PATIENTS PROVIDE FIRST INDICATIONS OF LESS SEVERE DISEASE, BUT HIGH INFECTION RATES AMONG THE YOUNG DM168 GLOBAL ONLINE ‘STUDENT CULT' CYBERCRIME SYNDICATE BUSTED IN CAPE TOWN DM168 ACCOUNTABILITY: IT’S A PITY WE’VE SEEN AND HEARD SO LITTLE FROM NPA BOSS SHAMILA BATOHI TOP READS IN SECTION DM168 MY FELLOW SOUTH AFRICANS: WE TAKE A PEEK INSIDE A HIGH-LEVEL CABINET MEETING DM168 ACCOUNTABILITY: IT’S A PITY WE’VE SEEN AND HEARD SO LITTLE FROM NPA BOSS SHAMILA BATOHI DM168 GLOBAL ONLINE ‘STUDENT CULT' CYBERCRIME SYNDICATE BUSTED IN CAPE TOWN DM168 MR STEENHUISEN IS THE BOSS SOUTH AFRICA NEEDS DM168 NO STONE LEFT UNTURNED: CIVIL SOCIETY AND JOURNALISTS MUST FIGHT SUPPRESSION AT THE SABC TOP READS THIS WEEK COVID-19 RED FACE: BORIS JOHNSON'S APARTHEID TRAVEL BAN South Africa COMMUNITIES, CORRUPTION AND CARCASSES: WHEN THE KRUGER NATIONAL PARK, THE BUSHMEAT TRADE AND THE MTHIMKULU’S COMPLEX HISTORY COLLIDE South Africa CARTOON TUESDAY WITH RICO COVID-19 TRAVEL BAN THREATENS INFORMATION SHARING, WEAKENS GLOBAL SOLIDARITY South Africa NPA’S INVESTIGATING DIRECTORATE BOSS NO MORE: HERMIONE CRONJE QUITS AFTER FRUSTRATING 30 MONTHS INVESTIGATIONS * Scorpio * Our Burning Planet * amaBhungane * Maverick Citizen * Declassified UK * Contact Us INVESTIGATIONS * Scorpio * Our Burning Planet * amaBhungane * Maverick Citizen * Declassified UK * Contact Us NEWS & ANALYSIS * Business Maverick * Maverick Citizen * Maverick Sports * Newsdeck * Contact Us NEWS & ANALYSIS * Business Maverick * Maverick Citizen * Maverick Sports * Newsdeck * Contact Us FEATURES * Opinionista * Maverick Life * TGIFood * COVID-19 * Podcasts * Zapiro FEATURES * Opinionista * Maverick Life * TGIFood * COVID-19 * Podcasts * Zapiro NEWSLETTERS * First Thing * Business Maverick * Judith’s Prudence * SME * Life & Books * TGIFood * Zapiro * Sports * Advertise with us NEWSLETTERS * First Thing * Business Maverick * Judith’s Prudence * SME * Life & Books * TGIFood * Zapiro * Sports * Advertise with us COMMUNITY * About us * Membership * Events & Webinars * Announcements * Buy Books & Swag * DM’s 10 Year Story * Contact us COMMUNITY * About us * Membership * Events & Webinars * Announcements * Buy Books & Swag * DM’s 10 Year Story * Contact us DM168 * Vote for your store * Distribution Outlets * e-edition * Contact Us DM168 * Vote for your store * Distribution Outlets * e-edition * Contact Us Daily Maverick © All rights reserved We use cookies on our website to give you the most relevant experience by remembering your preferences and repeat visits. 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The information is used for determining when and how often users will see a certain banner.tuuid_lu1 yearThis cookie is set by .bidswitch.net. The cookies stores a unique ID for the purpose of the determining what adverts the users have seen if you have visited any of the advertisers website. The information is used for determining when and how often users will see a certain banner.uid5 months 27 daysThis cookie is used to measure the number and behavior of the visitors to the website anonymously. The data includes the number of visits, average duration of the visit on the website, pages visited, etc. for the purpose of better understanding user preferences for targeted advertisments.uuid1 year 27 daysTo optimize ad relevance by collecting visitor data from multiple websites such as what pages have been loaded.VISITOR_INFO1_LIVE5 months 27 daysThis cookie is set by Youtube. Used to track the information of the embedded YouTube videos on a website.wfivefivec1 year 1 monthThe domain of this cookie is owned by Dataxu. The main business activity of this cookie is targeting and advertising. This cookie tracks the advertisement report which helps us to improve the marketing activity.xbc2 yearsThis cookie is used for optmizing the advertisement on the website more relevant by analysing the user behaviour and interaction with the website.YSCsessionThis cookies is set by Youtube and is used to track the views of embedded videos. Others Others Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet. CookieDurationDescription__cflb23 hoursThis cookie is used by Cloudflare for load balancing.ajs_group_idneverThis cookie is set by Segment.io. The purpose of the cookie is currently not identified.revengine-browser-tokensessionRevEngine Data Tool.UserMatchHistory1 monthLinkedin - Used to track visitors on multiple websites, in order to present relevant advertisement based on the visitor's preferences.vicinity_id1 year 10 months 24 days 11 hoursVicinity Advertising. SAVE & ACCEPT Powered by BECOME AN INSIDER There are many great benefits to being a Maverick Insider. Removing advertising from your browsing experience is one of them - we don't just block ads, we redesign our pages to look smarter and load faster. Click here to see other benefits and to sign-up to our reader community supporting quality, independent journalism. 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