*In this month, Both YTD and Rolling HS loss ratio are still kept on the right track due to a decrease in monthly claim.
For PA product, the ratio is significantly increased in TM and TA channel due to a high claim in November.
For TM channel, It has 2 big cases of outstanding death claim in total amount of 2.9 Mb.( 2.4 Mb. and 0.5 Mb).
For TA channel, It has 2 cases of outstanding death claim from one insured in total amount of 1 Mb.( 0.5 Mb./policy).