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10 Appendices

Graph 10.2 Not complying with TSC PEME but Graph 10.3 Not complying with TSC PEME

would pass a government required medical ex- but would pass a government required
aminationmedical examination

Limit: USD claims 1 - uncappedLimit: USD claims 1 - uncapped

Period: 2011-2014Period: 2011-2014
Type of vessel: All vessel types Type of vessel: All vessel types
Type of claim: IllnessType of claim: Illness

$1,800,000

$1,600,000

$1,400,000

$1,200,000

$1,000,000

$800,000

$600,000

$400,000

$200,000

$-

Claim costs avoidedExtra costs for PEME
Gallstone/polyps 36%
Kidney 17% The graph above shows claim cost avoided and the cost

Diabetes 9% for PEME. The claim cost avoided is the cost saved because

Liver function 7% PEME would have detected the medical condition and the
Elevated BMI 7% government examination would not.

Hypertension 7% The calculation is the following,

Other 6% Claim costs avoided more than = USD 1,550,000
Hepatitis 5% Extra costs for PEME is about = USD 300,000 (this is the

Hyperuricemia 3% extra cost for the PEME compared to the government

Positive drug test 2% examination)
Cardiovascular disease 1%Total cost beneit for the period 2011-2014 = 1,550,000 –

300,000 = USD 1,250,000

The graph above describe the most common conditions that
would not be in compliance with The Swedish Club’s PEME, As a result, the avoided claims costs are greater than

but which would have passed a government required medical the increased PEME costs. In addition, the total avoided

examination. The most common conditions are gallstones deductible is greater than the increased PEME cost, which
followed by kidney conditions and diabetes.means that the enhanced PEME has a direct cost beneicial

impact to the member alone.

This once again emphasizes the importance and beneit of
having PEME.

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