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MBR gives administration and buyers with details practical in assessing the working effects of the segment's insured Overall health Treatment Benefits items.

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(3) Clinical profit ratio is calculated by dividing the Health Care Advantages segment's well being care expenses by high quality revenues and represents The proportion of top quality revenues invested on health-related Positive aspects for that section's insured associates. Management uses MBR to assess the underlying enterprise efficiency and underwriting of its insurance policies items, realize variances in between actual results and anticipated results and identify tendencies in time period-more than-interval final results.