Do Insurers Weave Claim Spells or Just Muggle Illusions?

In the magical land of health insurance, brave souls embark on quests to compare premiums and benefits, much like wizards selecting their finest wands. But lo! The enchanted Incurred Claim Ratio (ICR) lurks in the shadows, revealing how much treasure insurers part with for claims. With an ICR of 85, it’s like exchanging 85 Galleons for every 100 collected! A thrilling adventure awaits those who dare to discover!