Dear P.Jim ka,
Actually, I am really need statistics on this benefit.
It seems that the loss ratio is currently so low which is not strongly enough to be the reason back to support the charge of 15% on annual OPD rate.
If you can get some stats from reinsurers support, it should be appreciated naka.
Anyway, I will submit the paper to OIC without waiting. The supporting paper will be subjected to request by OIC ka.