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ReportClient
Al-Faisaliah Group
Lives
241
Current carrier
Tawuniya
Renewal
1 May 2026
Conservative
Lower bound
Annual premium
SAR 4,175,774
vs. last year SAR 3,940,000
+6.0%
Rate per life
SAR 17,327
Key drivers
Inflation9.0%
Demographic4.5%
Loading3.2%
Adjust factors
Medical inflation
6.5%
1.0%
1.5%
Demographic adjustments
%
%
%
%
Insurer loading
%
Recommended
Base case
✓ SELECTED
Annual premium
SAR 4,711,017
vs. last year SAR 3,940,000
+19.6%
Rate per life
SAR 19,548
Key drivers
Inflation17.7%
Demographic5.5%
Loading6.8%
Adjust factors
Medical inflation
11.2%
2.5%
4.0%
Demographic adjustments
%
%
%
%
Insurer loading
%
Aggressive
Upper bound
Annual premium
SAR 5,239,158
vs. last year SAR 3,940,000
+33.0%
Rate per life
SAR 21,739
Key drivers
Inflation23.5%
Demographic7.2%
Loading11.4%
Adjust factors
Medical inflation
13.5%
4.0%
6.0%
Demographic adjustments
%
%
%
%
Insurer loading
%
Custom
User-defined
Annual premium
—
vs. last year SAR 3,940,000
—
Rate per life
—
Key drivers
Inflation—
Demographic—
Loading—
Adjust factors
Medical inflation
0.0%
0.0%
0.0%
Demographic adjustments
%
%
%
%
Insurer loading
%
Comparison summary
| Factor | Conservative | Base case | Aggressive | Custom |
|---|---|---|---|---|
| Annual premium | SAR 4,175,774 | SAR 4,711,017 | SAR 5,239,158 | — |
| Rate per life | SAR 17,327 | SAR 19,548 | SAR 21,739 | — |
| Inflation | 9.0% | 17.7% | 23.5% | — |
| Demographic | 4.5% | 5.5% | 7.2% | — |
| Insurer loading | 3.2% | 6.8% | 11.4% | — |
| Loss ratio projection | 76.2% | 80.4% | 86.1% | — |
| IBNR reserve | SAR 354,941 | SAR 400,436 | SAR 445,328 | — |
Source: Live calculation from factor inputs · Base burning cost SAR 14,740 (CE extraction)