Which way now?

Throughout history man has tried to predict the future. Within the health protection industry, actuaries spend more time looking at and considering improvements in mortality and morbidity than examining the actual incidence rates. While looking in the rear view mirror may often be a guide – as history is said to repeat itself – predicting the way ahead is a great deal more fascinating. The same can be said for the individual Critical Illness (CI) market. There is currently a great deal of debate about how it will evolve in the next few years. CI insurance was developed in South Africa...