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What payment errors cost your book.

Enter each line’s annual premium and loss ratio, then press Calculate. See the claims dollars that could be paid in error each year: the money a check before payment is there to catch.

Your book

Annual premium and loss ratio for each line you write. Leave out any you don’t.

Hospital Indemnity
Accident
Critical Illness
4%

Industry estimates put claims paid inaccurately at 3% to 7% (Optum). We start at 4%; set your own.

Paid in error each year

An estimate from the numbers you entered: premium times loss ratio is claims paid, and the share you chose is paid in error. It isn’t a Trestl result or a quote. Nothing you enter leaves this page.

How it works: claims paid is your premium times your loss ratio, and the estimate is the share you choose of that, paid in error. The 3% to 7% range is Optum’s estimate of claims paid inaccurately across health plans, not a supplemental health or Trestl figure. Your numbers stay in your browser.