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long-term care (LTC) insurance
Coverage available on an individual or group basis to provide medical and other services to patients who need constant care in their own home or in a nursing home.

loss ratio
In pricing health insurance, the loss ratio is a means of comparing claims losses to premium earnings. To determine its loss ratio, an insurer divides the dollar amount of claims it incurred during a given year by the dollar amount of premiums it earned during the same year.