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Critical illness investigation

The CMI investigates the morbidity experience of critical illness policyholders

Brief history

The current CMI critical illness investigation started in 1999 with the first data collected in 2000. The first data collected pertained to claims settled during 1998 and 1999. The investigation has continued to collect data since. The 1998 data was significantly lower in volume than subsequent years, so has not been analysed further.

In November 2013, the CMI changed the structure of the life office mortality and critical illness investigations into annuitant mortality and assurances investigations: the latter focuses on both mortality and critical illness.

For information on the CMI's more recent work on critical illness, please see the assurances investigation page.

Data are collected for both ‘stand alone’ and ‘full accelerated’ (where the cover includes death as well as critical illness) business

In the early years of the investigation, critical illness data was collected annually from insurance companies (also termed contributing offices) on both policies in force and claims settled during an investigation year. The original analysis methodology is described in detail in CMI Working Paper 14. The results compared actual settled claims against expected diagnosed claims, calculated using CIBT93 (a population-based table which was originally contained in A Critical Review, presented to SIAS in 2000). These results have subsequently been referred to as ‘unadjusted results’.

In July 2008, a new methodology for analysing critical illness experience was presented in CMI Working Paper 33.  This produces results that compare actual settled claims with expected settled claims, referred to as ‘adjusted results’. These results properly match claims to exposure, but are difficult to interpret particularly in terms of duration.

A special initiative to capture 2007-2011 data was launched in 2012, allowing offices to submit data in a flexible format.  The data, methodology and results are all described in CMI Working Paper 75.

Critical illness diagnosis rate tables

The first set of insured lives accelerated critical illness diagnosis rates, based on 1999-2004 data, were presented in CMI Working Paper 43.

CMI Working Paper 50 updated these to 2003-2006 experience and formally presented tables of rates known as AC04. It is anticipated that these will be introduced as a comparison basis in future results.

CMI Working Paper 52 presented cause-specific diagnosis rates, again based on 2003-2006 data, and

CMI Working Paper 58 describes supplementary analyses designed to aid understanding of the AC04 Series rates.

Contact Details

If you have any questions about the CMI please email