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Finance and pricing, Advanced
Insurance Deductible Trade-off
Quantify the premium saving from raising your insurance deductible vs the expected extra out-of-pocket on claims.
Formula: extra_per_claim = higher_deductible - current_deductible; annual_extra_claims_cost = (higher_deductible - current_deductible) * annual_claims_count; net_annual_benefit = annual_premium_saving - (higher_deductible - current_deductible) * annual_claims_count
Quantify the premium saving from raising your insurance deductible vs the expected extra out-of-pocket on claims.
Inputs
Results
Extra Out-of-Pocket Per Claim
AED 4,000.00
Annual Extra Out-of-Pocket
AED 72,000.00
Net Annual Benefit
AED -44,000.00
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Formula
extra_per_claim = higher_deductible - current_deductible; annual_extra_claims_cost = (higher_deductible - current_deductible) * annual_claims_count; net_annual_benefit = annual_premium_saving - (higher_deductible - current_deductible) * annual_claims_countUse for estimation. Verify safety-critical calculations with qualified review.