The firm prepares the indexation decision: claims experience of the year compared with the previous one, average costs and frequencies by item, effect of forthcoming regulatory and conventional measures, cost transfers from the statutory scheme, tariff revaluations, extension of regulated baskets of care, underlying trend and expenses.

The outcome is an indexation per contract or group of contracts, justified figure by figure, with the arguments intended for policyholders and intermediaries and, where necessary, attendance at negotiation meetings.