56:@0.048828:0.056159:0.063202:0.056159:0.063202:0.047246:0.048828:0.047246:0.006643:0.007732
Performance analysis:@0.739373:0.058552:0.904415:0.058552:0.904415:0.047968:0.739373:0.047968:0.010092:0.008830:0.006355:0.006419:0.009996:0.006563:0.014962:0.008591:0.010060:0.007665:0.008974:0.005637:0.008990:0.010092:0.008990:0.004710:0.009070:0.007313:0.004710:0.007026
Aside from this factor, the increase in the provision :@0.047567:0.102144:0.413388:0.102144:0.413388:0.091560:0.047567:0.091560:0.010507:0.006770:0.003864:0.009613:0.008351:0.005269:0.004998:0.005557:0.009022:0.013525:0.005637:0.005413:0.009038:0.003864:0.006770:0.004742:0.004998:0.008128:0.007377:0.005221:0.009357:0.005557:0.003465:0.005988:0.005413:0.009038:0.008080:0.006052:0.003864:0.008734:0.007138:0.005557:0.008144:0.007904:0.006770:0.008016:0.006387:0.003273:0.007649:0.006052:0.005413:0.009038:0.008160:0.006052:0.008830:0.005205:0.008910:0.007313:0.003864:0.006307:0.003864:0.008734:0.008655:0.004375
from another year's worth of activity has been  broadly :@0.047987:0.117526:0.438845:0.117526:0.438845:0.106941:0.047987:0.106941:0.004998:0.005557:0.009022:0.013525:0.006467:0.008128:0.009038:0.009565:0.005413:0.009038:0.008351:0.005557:0.004583:0.007728:0.007904:0.007904:0.005381:0.003673:0.006579:0.004790:0.011545:0.009804:0.005557:0.005700:0.009325:0.006467:0.009357:0.004758:0.005637:0.008128:0.007377:0.005413:0.003625:0.007649:0.003864:0.005126:0.007728:0.005557:0.008734:0.007728:0.006563:0.006052:0.008910:0.007808:0.007808:0.008575:0.004375:0.002427:0.009165:0.005381:0.008990:0.007904:0.009070:0.003864:0.007313:0.004375
offset by favourable movements in assumptions in :@0.048407:0.133205:0.409789:0.133205:0.409789:0.122620:0.048407:0.122620:0.009357:0.004998:0.004998:0.006770:0.008351:0.005413:0.006084:0.008655:0.007058:0.004870:0.004998:0.008128:0.007649:0.009565:0.009038:0.005748:0.008128:0.009389:0.003864:0.008543:0.006052:0.013748:0.009357:0.007649:0.008080:0.013748:0.008351:0.008830:0.005413:0.006770:0.005972:0.003273:0.007649:0.006467:0.008128:0.006770:0.006770:0.008750:0.013748:0.009197:0.005413:0.003864:0.009357:0.008766:0.006770:0.006004:0.003114:0.007393:0.004375
relation to claims inflation. Claims settlements have, :@0.048828:0.148585:0.422840:0.148585:0.422840:0.138001:0.048828:0.138001:0.005381:0.007984:0.003864:0.007649:0.005205:0.003864:0.008910:0.008734:0.006052:0.005413:0.009134:0.005637:0.007377:0.003625:0.007904:0.003864:0.013365:0.006770:0.005924:0.003864:0.009038:0.004998:0.003864:0.008128:0.005413:0.003864:0.009357:0.009038:0.003465:0.006706:0.009884:0.003864:0.008128:0.004088:0.013956:0.006770:0.005748:0.006770:0.008351:0.005413:0.005413:0.003864:0.008175:0.013748:0.008351:0.008830:0.005413:0.006770:0.006052:0.008830:0.007808:0.007393:0.008160:0.003465:0.004375
in  recent years, not risen as fast as historical  patterns :@0.048828:0.163966:0.428748:0.163966:0.428748:0.153382:0.048828:0.153382:0.003273:0.007569:0.004375:0.002523:0.005557:0.008144:0.007377:0.008351:0.008814:0.005413:0.004375:0.007728:0.008351:0.008128:0.005557:0.006770:0.003465:0.006770:0.009038:0.009038:0.005413:0.005589:0.005126:0.003609:0.006387:0.007808:0.008495:0.006467:0.007728:0.006387:0.005205:0.004998:0.008367:0.006978:0.005413:0.005349:0.007728:0.006387:0.006052:0.008734:0.003864:0.006387:0.005413:0.008958:0.005381:0.003864:0.007058:0.007808:0.003864:0.004375:0.002427:0.009389:0.007840:0.005413:0.005413:0.008080:0.005557:0.009038:0.006579:0.004375
have suggested, and we have reduced the claims :@0.048828:0.179347:0.402688:0.179347:0.402688:0.168762:0.048828:0.168762:0.008830:0.007904:0.007473:0.008064:0.005637:0.006770:0.009038:0.009229:0.009405:0.008160:0.006770:0.005413:0.008351:0.009213:0.003465:0.006451:0.007808:0.008655:0.008990:0.005637:0.012183:0.008734:0.006052:0.008830:0.007904:0.007473:0.008064:0.006052:0.005301:0.008064:0.009165:0.008830:0.007138:0.008064:0.009165:0.006052:0.005413:0.009038:0.008160:0.005637:0.007377:0.003625:0.007904:0.003864:0.013365:0.006770:0.004375
inflation assumption again for the 2021/22 financial :@0.048828:0.194727:0.423510:0.194727:0.423510:0.184143:0.048828:0.184143:0.003864:0.009038:0.004998:0.003609:0.008128:0.005237:0.003864:0.009165:0.009038:0.006339:0.008128:0.006770:0.006770:0.008670:0.013525:0.009389:0.005158:0.003864:0.009165:0.009038:0.006259:0.008128:0.009022:0.007808:0.003864:0.008734:0.006052:0.004998:0.009549:0.005557:0.004870:0.005413:0.009038:0.008160:0.006052:0.008607:0.008958:0.008607:0.008958:0.006227:0.008814:0.008607:0.006180:0.004998:0.003657:0.009038:0.008128:0.009038:0.007377:0.003864:0.008128:0.003864:0.004375
year.  However,  it is important to recognise that the cost :@0.047567:0.210169:0.448181:0.210169:0.448181:0.199584:0.047567:0.199584:0.007313:0.007904:0.007728:0.005301:0.003273:0.004375:0.003273:0.011002:0.009165:0.011353:0.008160:0.007473:0.008160:0.005557:0.003273:0.004375:0.002523:0.003369:0.004710:0.006052:0.003194:0.005637:0.006052:0.003864:0.013748:0.009389:0.009357:0.005557:0.005413:0.008128:0.009038:0.005413:0.004726:0.005413:0.009134:0.006052:0.005381:0.008064:0.007377:0.009102:0.009165:0.009038:0.003657:0.006770:0.008016:0.005301:0.005413:0.009373:0.008319:0.005413:0.004918:0.005413:0.009038:0.008160:0.006052:0.007058:0.008990:0.006563:0.005205:0.004375
of clinical negligence across the NHS in-year continues :@0.048407:0.225847:0.439776:0.225847:0.439776:0.215263:0.048407:0.215263:0.009357:0.004758:0.005637:0.007377:0.003545:0.003864:0.008495:0.003864:0.006978:0.007808:0.003864:0.006643:0.009038:0.008112:0.009405:0.003864:0.003864:0.009405:0.008080:0.009038:0.007185:0.008351:0.005605:0.007808:0.007138:0.005381:0.009165:0.006563:0.006770:0.005158:0.005413:0.009038:0.008160:0.006052:0.011002:0.010507:0.007904:0.006052:0.003864:0.008734:0.006211:0.007393:0.008160:0.007808:0.005381:0.005301:0.007377:0.009357:0.009038:0.005237:0.003864:0.009038:0.008862:0.008351:0.006770:0.004375
to be significant. The estimated cost of incidents :@0.047987:0.241229:0.398080:0.241229:0.398080:0.230645:0.047987:0.230645:0.005413:0.009134:0.006052:0.008575:0.007569:0.005637:0.006770:0.004072:0.009405:0.009038:0.003864:0.004998:0.003864:0.007377:0.008128:0.009038:0.005413:0.003465:0.006515:0.008367:0.008782:0.008351:0.005509:0.008351:0.006770:0.005126:0.003864:0.013525:0.008128:0.005237:0.008351:0.009213:0.006467:0.007377:0.008926:0.006770:0.005158:0.005205:0.009357:0.004758:0.006052:0.003864:0.008734:0.007138:0.003864:0.009165:0.008351:0.008702:0.005413:0.006515:0.004375
arising from the clinical activity in 2021/22 covered :@0.048407:0.256671:0.414244:0.256671:0.414244:0.246086:0.048407:0.246086:0.007808:0.005301:0.003864:0.006467:0.003864:0.008734:0.009165:0.005637:0.004998:0.005557:0.009357:0.013541:0.005637:0.005413:0.009038:0.008160:0.005637:0.007138:0.003864:0.003609:0.008734:0.003864:0.007138:0.007904:0.003864:0.006307:0.008128:0.007377:0.005413:0.003625:0.007649:0.003864:0.005126:0.007728:0.005557:0.003273:0.007649:0.006467:0.008607:0.008958:0.008607:0.009038:0.006227:0.008990:0.008830:0.006052:0.007138:0.008910:0.007313:0.007984:0.005381:0.007984:0.008990:0.004375
by our CNST scheme was £13.3  billion (see Note 2.1 :@0.048828:0.272051:0.423830:0.272051:0.423830:0.261467:0.048828:0.261467:0.008655:0.007058:0.005205:0.009357:0.009038:0.005557:0.005126:0.009884:0.011944:0.008479:0.008367:0.005285:0.006770:0.007090:0.009038:0.008112:0.013748:0.008096:0.005205:0.012183:0.008575:0.007138:0.006052:0.008990:0.009165:0.009070:0.003465:0.009229:0.004375:0.002427:0.008910:0.003609:0.003609:0.003609:0.003609:0.008830:0.008575:0.006467:0.004615:0.006387:0.007808:0.007808:0.006467:0.011257:0.008830:0.005126:0.007808:0.005637:0.007808:0.003273:0.007904:0.004375
to the accounts). This figure is materially higher than :@0.047987:0.287433:0.426774:0.287433:0.426774:0.276849:0.047987:0.276849:0.005413:0.009134:0.005205:0.005413:0.009038:0.008160:0.005637:0.008128:0.007170:0.007377:0.009357:0.009038:0.009038:0.005413:0.006770:0.004822:0.003465:0.006483:0.008367:0.008862:0.003864:0.006770:0.004822:0.004998:0.003864:0.009405:0.009038:0.005557:0.008351:0.006020:0.003369:0.005876:0.005637:0.013748:0.007856:0.005413:0.008351:0.005557:0.003864:0.008128:0.003864:0.003864:0.007521:0.005716:0.009038:0.003864:0.009118:0.009038:0.008351:0.005301:0.004870:0.005413:0.008782:0.008128:0.008766:0.004375
the £7.9 billion reported  in 2020/21  -  reflecting::@0.047987:0.302815:0.392683:0.302815:0.392683:0.292231:0.047987:0.292231:0.005413:0.009038:0.008160:0.006467:0.008990:0.009070:0.003465:0.009134:0.006387:0.008910:0.003609:0.003864:0.003529:0.003864:0.008734:0.008655:0.006467:0.005301:0.008064:0.009070:0.008990:0.005381:0.005413:0.007952:0.009070:0.004375:0.002523:0.003273:0.007649:0.006387:0.008319:0.008399:0.008399:0.008607:0.005940:0.008399:0.008399:0.004375:0.003689:0.006387:0.002523:0.005637:0.005381:0.008064:0.004998:0.003864:0.008032:0.007377:0.005142:0.003864:0.008830:0.009405:0.003465
•  the change in the  HM Treasury long term :@0.048828:0.325092:0.364254:0.325092:0.364254:0.314508:0.048828:0.314508:0.006483:0.004375:0.007297:0.005413:0.009038:0.008160:0.006052:0.007377:0.009038:0.008128:0.009038:0.009405:0.008351:0.005892:0.003273:0.007649:0.006052:0.005413:0.009038:0.008160:0.004375:0.002427:0.010331:0.013110:0.006052:0.008064:0.005381:0.008064:0.007904:0.006563:0.008830:0.005381:0.007473:0.005637:0.003609:0.008830:0.008575:0.008830:0.005716:0.005413:0.008032:0.005381:0.013445:0.004375
discount rates, which places a much  higher :@0.067401:0.340474:0.380033:0.340474:0.380033:0.329890:0.067401:0.329890:0.009405:0.003864:0.006770:0.007185:0.009357:0.009038:0.009038:0.005413:0.005653:0.005557:0.008128:0.005142:0.008351:0.006770:0.003194:0.005637:0.011848:0.009405:0.004040:0.007649:0.009405:0.006467:0.009165:0.003864:0.007728:0.007138:0.008160:0.006770:0.005589:0.006802:0.006467:0.013365:0.008655:0.007138:0.008734:0.004375:0.002523:0.009038:0.003657:0.009165:0.009038:0.008016:0.005557:0.004375
value on projected claims costs; and:@0.066560:0.355856:0.323178:0.355856:0.323178:0.345271:0.066560:0.345271:0.007649:0.008319:0.003864:0.009038:0.008351:0.005972:0.008575:0.008319:0.006467:0.009070:0.005381:0.009070:0.003864:0.007984:0.007138:0.005413:0.007952:0.009070:0.006467:0.007138:0.003864:0.007824:0.003864:0.013365:0.006770:0.005589:0.007377:0.009006:0.006770:0.005158:0.006770:0.003225:0.006387:0.007649:0.008495:0.009405
•  the assumption that clinical activity would  have :@0.048828:0.378067:0.408197:0.378067:0.408197:0.367483:0.048828:0.367483:0.006483:0.004375:0.007297:0.005413:0.009038:0.008160:0.006052:0.008128:0.006579:0.006770:0.008782:0.013525:0.009389:0.005158:0.003864:0.009165:0.009038:0.005924:0.005413:0.009373:0.008319:0.005413:0.005349:0.007058:0.003864:0.003864:0.008575:0.003864:0.007058:0.007904:0.003864:0.006387:0.008128:0.007377:0.005413:0.003625:0.007649:0.003864:0.005126:0.007728:0.004375:0.011545:0.009708:0.009038:0.004072:0.009581:0.004375:0.002427:0.008655:0.007649:0.007313:0.007904:0.004375
increased  in 2021/22 compared with 2020/21 :@0.067735:0.393509:0.395648:0.393509:0.395648:0.382924:0.067735:0.382924:0.003864:0.008734:0.007138:0.005381:0.008160:0.007808:0.006770:0.007936:0.009165:0.004375:0.002523:0.003273:0.007569:0.006467:0.008607:0.008958:0.008607:0.008958:0.006227:0.008814:0.008607:0.006611:0.007138:0.009165:0.013445:0.009165:0.008128:0.005317:0.008351:0.009038:0.005637:0.011928:0.004040:0.005716:0.009405:0.006052:0.008319:0.008399:0.008399:0.008607:0.005940:0.008399:0.008399:0.004375
where activity would  have been  impacted  by the :@0.066559:0.409188:0.417401:0.409188:0.417401:0.398603:0.066559:0.398603:0.011928:0.009405:0.008655:0.005557:0.008814:0.005637:0.008128:0.007377:0.005413:0.003625:0.007649:0.003864:0.005126:0.007728:0.004375:0.011545:0.009708:0.009038:0.004072:0.009581:0.004375:0.002523:0.008830:0.007904:0.007473:0.008064:0.006052:0.008990:0.007904:0.007904:0.008655:0.004375:0.002523:0.003864:0.013365:0.009070:0.008128:0.007090:0.005205:0.008351:0.009038:0.004375:0.002427:0.008655:0.007138:0.004790:0.005413:0.008702:0.008064:0.004375
pandemic. We estimate that the annual cost of :@0.067735:0.424569:0.407353:0.424569:0.407353:0.413985:0.067735:0.413985:0.009389:0.008128:0.009038:0.009165:0.008351:0.013748:0.003864:0.007154:0.003465:0.006036:0.015217:0.008575:0.005637:0.008351:0.006770:0.005413:0.003864:0.013748:0.007904:0.005413:0.008351:0.005142:0.005413:0.009373:0.008319:0.005413:0.004918:0.005413:0.009213:0.008351:0.005685:0.008128:0.008846:0.009038:0.008862:0.008128:0.003864:0.006419:0.007377:0.008926:0.006770:0.005158:0.005205:0.008910:0.004790:0.004375
incidents would  have been  £8.7 billion without :@0.067735:0.439951:0.407656:0.439951:0.407656:0.429367:0.067735:0.429367:0.003864:0.009038:0.007185:0.003864:0.009405:0.008351:0.008798:0.005413:0.006770:0.004375:0.011545:0.009629:0.009038:0.004072:0.009581:0.004375:0.002523:0.008830:0.007904:0.007473:0.008064:0.006052:0.008990:0.007904:0.007904:0.008655:0.004375:0.002523:0.008990:0.009070:0.003465:0.009134:0.006467:0.008830:0.003864:0.003529:0.003864:0.003529:0.008830:0.008655:0.005301:0.012024:0.004040:0.005637:0.009325:0.009756:0.009325:0.005413:0.004375
the impact of the change in discount rates.:@0.066979:0.455332:0.373256:0.455332:0.373256:0.444748:0.066979:0.444748:0.005413:0.009038:0.008160:0.006387:0.003864:0.013525:0.009165:0.008128:0.007377:0.005174:0.005637:0.009357:0.004758:0.004870:0.005413:0.009038:0.008160:0.006052:0.007377:0.009038:0.008128:0.009038:0.009405:0.008351:0.005892:0.003273:0.007649:0.006467:0.009405:0.003864:0.006770:0.007185:0.009357:0.009038:0.009038:0.005413:0.005653:0.005301:0.007904:0.005205:0.007984:0.006563:0.003465
The estimated impact of Covid-19 on the :@0.047987:0.477604:0.346424:0.477604:0.346424:0.467020:0.047987:0.467020:0.008367:0.008862:0.008351:0.005940:0.008160:0.006770:0.005413:0.003609:0.013525:0.008128:0.005158:0.008160:0.009405:0.006643:0.003864:0.013525:0.009165:0.008128:0.007377:0.005174:0.005637:0.009357:0.004758:0.005301:0.009884:0.009357:0.007649:0.003864:0.009581:0.006387:0.008607:0.008782:0.006052:0.008575:0.008319:0.006052:0.005413:0.008702:0.008064:0.004375
provision continues to be limited  because::@0.048828:0.492986:0.346179:0.492986:0.346179:0.482402:0.048828:0.482402:0.009070:0.005301:0.008910:0.007313:0.003864:0.006387:0.003864:0.008734:0.008655:0.006467:0.007377:0.009357:0.009038:0.005413:0.003864:0.009038:0.009038:0.008351:0.006770:0.005126:0.005126:0.008990:0.006052:0.008575:0.007569:0.006467:0.003864:0.003529:0.013189:0.003864:0.004966:0.007984:0.008990:0.004375:0.002523:0.009389:0.007920:0.007377:0.007665:0.008830:0.006770:0.007936:0.003465
•  the vaccination programme was successful  in :@0.048828:0.515198:0.392469:0.515198:0.392469:0.504613:0.048828:0.504613:0.006483:0.004375:0.007297:0.005413:0.009038:0.008160:0.005205:0.007649:0.008319:0.007377:0.007377:0.003864:0.009038:0.008128:0.005413:0.003864:0.009357:0.009038:0.006467:0.009389:0.005557:0.009181:0.009405:0.005381:0.008128:0.013477:0.013748:0.008096:0.005205:0.012104:0.008575:0.007138:0.005637:0.006770:0.008862:0.007377:0.007074:0.008160:0.006770:0.006419:0.004998:0.008782:0.003864:0.004375:0.002427:0.003114:0.007393:0.004375
reducing the impact on  NHS activity in 2021/22;:@0.067735:0.530580:0.409413:0.530580:0.409413:0.519995:0.067735:0.519995:0.005557:0.008064:0.009165:0.008830:0.007377:0.003625:0.008734:0.009165:0.005716:0.005413:0.009038:0.008080:0.006467:0.003864:0.013525:0.009165:0.008128:0.007377:0.005174:0.005637:0.008575:0.008399:0.004375:0.002427:0.010922:0.010427:0.007728:0.006052:0.008128:0.007377:0.005413:0.003625:0.007649:0.003864:0.005126:0.007728:0.005557:0.003273:0.007569:0.006467:0.008607:0.008958:0.008830:0.008910:0.006227:0.008990:0.008910:0.003465
•  the impact of Covid-19 is largely on incidents :@0.048828:0.552851:0.394481:0.552851:0.394481:0.542266:0.048828:0.542266:0.006483:0.004375:0.007297:0.005413:0.009038:0.008160:0.006387:0.003864:0.013525:0.009165:0.008128:0.007377:0.005174:0.005637:0.009357:0.004758:0.005301:0.009884:0.009357:0.007649:0.003864:0.009581:0.006387:0.008607:0.008782:0.006467:0.003194:0.005637:0.006052:0.003864:0.007824:0.005381:0.009165:0.008064:0.003864:0.007489:0.005205:0.008734:0.008575:0.006467:0.003864:0.008734:0.007138:0.003864:0.009165:0.008351:0.008702:0.005413:0.006515:0.004375
which have occurred in the last two financial :@0.066560:0.568233:0.389635:0.568233:0.389635:0.557648:0.066560:0.557648:0.011848:0.009405:0.004040:0.007649:0.009405:0.006467:0.008830:0.007904:0.007473:0.008064:0.005637:0.009357:0.007122:0.007377:0.008670:0.005557:0.005365:0.008351:0.009134:0.006467:0.003369:0.007904:0.005637:0.005413:0.009038:0.008160:0.006467:0.003864:0.007569:0.006387:0.005126:0.004870:0.005716:0.012263:0.009836:0.005301:0.004998:0.003864:0.009038:0.007904:0.009038:0.007185:0.003864:0.008128:0.003641:0.004375
years and the majority of the provision :@0.066560:0.583614:0.344830:0.583614:0.344830:0.573030:0.066560:0.573030:0.007728:0.008351:0.007952:0.005557:0.006770:0.005573:0.007808:0.008655:0.008990:0.006052:0.005413:0.009038:0.008080:0.006052:0.013748:0.007856:0.003864:0.009357:0.005349:0.003864:0.005205:0.007728:0.005221:0.009357:0.004998:0.004982:0.005413:0.009038:0.008160:0.006467:0.008990:0.005205:0.008830:0.007233:0.003609:0.006387:0.003609:0.008830:0.008575:0.004375
relates to incidents before this; and:@0.067737:0.598995:0.317616:0.598995:0.317616:0.588411:0.067737:0.588411:0.005557:0.007968:0.003864:0.007824:0.005205:0.008160:0.006770:0.005078:0.005413:0.009134:0.006052:0.003864:0.009038:0.007106:0.003864:0.009165:0.008351:0.008702:0.005413:0.006770:0.005892:0.009389:0.008000:0.004998:0.008958:0.005381:0.008064:0.005301:0.005413:0.009038:0.003864:0.006770:0.003465:0.006499:0.007649:0.008495:0.009405
•  the majority of the provision  relates to maternity :@0.048828:0.621267:0.417107:0.621267:0.417107:0.610683:0.048828:0.610683:0.006483:0.004375:0.007297:0.005413:0.009038:0.008160:0.006387:0.013748:0.007856:0.003864:0.009357:0.005349:0.003864:0.005205:0.007728:0.005221:0.009357:0.004758:0.004790:0.005413:0.009213:0.008351:0.006100:0.009070:0.005301:0.008910:0.007313:0.003864:0.006387:0.003864:0.008734:0.008655:0.004375:0.002523:0.005381:0.007984:0.003864:0.007649:0.005205:0.008064:0.006563:0.005301:0.005413:0.009134:0.006052:0.013748:0.007856:0.005413:0.008351:0.005557:0.009038:0.003864:0.005413:0.007728:0.004375
claims (70%) and the evidence available to date :@0.067401:0.636648:0.412974:0.636648:0.412974:0.626064:0.067401:0.626064:0.007377:0.003864:0.007840:0.003864:0.013445:0.006770:0.005589:0.005301:0.009501:0.009325:0.014291:0.005205:0.005637:0.007808:0.008575:0.008990:0.006052:0.005413:0.009038:0.008160:0.006052:0.008351:0.007441:0.003864:0.009165:0.008351:0.008702:0.007377:0.008080:0.005637:0.008128:0.007649:0.007840:0.003864:0.003864:0.007904:0.009389:0.003641:0.008351:0.005509:0.005413:0.009134:0.005205:0.009070:0.007904:0.005205:0.008064:0.004375
suggests that the number of claims to expect :@0.067401:0.652029:0.393781:0.652029:0.393781:0.641444:0.067401:0.641444:0.006770:0.008686:0.009405:0.009086:0.008160:0.006770:0.005413:0.006563:0.005301:0.005413:0.009373:0.008319:0.005413:0.004918:0.005413:0.009038:0.008160:0.006467:0.009038:0.009038:0.013748:0.009102:0.008351:0.005557:0.005253:0.009357:0.004758:0.005637:0.007377:0.003625:0.007904:0.003864:0.013365:0.006770:0.005078:0.005413:0.009134:0.005637:0.008160:0.007329:0.009054:0.008351:0.007026:0.005413:0.004375
for 2021/22 will  be similar to previous years.:@0.066980:0.667708:0.382311:0.667708:0.382311:0.657123:0.066980:0.657123:0.004998:0.009549:0.005557:0.005700:0.008607:0.008958:0.008607:0.008958:0.006227:0.008814:0.008607:0.005764:0.011545:0.003864:0.003864:0.004088:0.004375:0.002523:0.008575:0.007569:0.005637:0.006770:0.003864:0.013493:0.003864:0.003864:0.007904:0.005557:0.004695:0.005413:0.009134:0.006052:0.009070:0.005381:0.008064:0.007393:0.003864:0.008910:0.008830:0.006563:0.004870:0.007728:0.007984:0.008128:0.005317:0.006770:0.003465
Where Covid-19 does affect the provision, there are :@0.488512:0.102144:0.863162:0.102144:0.863162:0.091560:0.488512:0.091560:0.015121:0.009245:0.008351:0.005557:0.008527:0.006052:0.009884:0.009357:0.007649:0.003864:0.009405:0.006387:0.008607:0.008607:0.005988:0.009070:0.008990:0.008064:0.006563:0.005637:0.008128:0.004998:0.005285:0.008351:0.007696:0.005413:0.005349:0.005413:0.009038:0.008080:0.006052:0.009165:0.005381:0.009070:0.007473:0.003864:0.006563:0.003864:0.008990:0.008830:0.003465:0.005940:0.005413:0.009038:0.008160:0.005557:0.008144:0.006052:0.007569:0.005205:0.007808:0.004375
two partly offsetting factors:  expected lower claim :@0.488932:0.117526:0.851894:0.117526:0.851894:0.106941:0.488932:0.106941:0.005413:0.012231:0.009756:0.006052:0.009165:0.007904:0.005381:0.005413:0.003864:0.007441:0.005205:0.009357:0.004998:0.004806:0.006770:0.008351:0.005221:0.005413:0.003864:0.009038:0.009165:0.006052:0.004998:0.008128:0.007553:0.005413:0.009357:0.005557:0.006770:0.003465:0.004375:0.002459:0.008351:0.007329:0.009022:0.008351:0.007106:0.005413:0.008112:0.009405:0.006643:0.003864:0.009357:0.011545:0.008351:0.005557:0.005700:0.007138:0.003864:0.007569:0.003864:0.013110:0.004375
numbers from lower clinical activity,  particularly :@0.489688:0.133205:0.831286:0.133205:0.831286:0.122620:0.489688:0.122620:0.009038:0.009038:0.013525:0.009389:0.008175:0.005557:0.006770:0.004647:0.004998:0.005557:0.009357:0.013748:0.006339:0.003864:0.009357:0.011545:0.008351:0.005557:0.005700:0.007058:0.003864:0.003864:0.008575:0.003864:0.007058:0.007904:0.003864:0.006387:0.007728:0.006978:0.005205:0.003864:0.007138:0.003864:0.004966:0.007393:0.003273:0.004375:0.002427:0.009389:0.007840:0.005557:0.005413:0.003864:0.007185:0.009038:0.003864:0.007936:0.005557:0.003864:0.007553:0.004375
for non  maternity activity in 2020/21, offset by :@0.488932:0.148585:0.827735:0.148585:0.827735:0.138001:0.488932:0.138001:0.004998:0.009549:0.005557:0.005700:0.008575:0.008734:0.008495:0.004375:0.002523:0.013748:0.008128:0.005413:0.008351:0.005557:0.009038:0.003864:0.005413:0.007728:0.005365:0.008128:0.007170:0.005413:0.003864:0.007649:0.003864:0.005413:0.007728:0.005573:0.003273:0.007649:0.006467:0.008910:0.008990:0.008830:0.008910:0.006227:0.008990:0.008910:0.003465:0.006531:0.009357:0.005190:0.004998:0.006770:0.008575:0.005413:0.005685:0.008399:0.006978:0.004375
new risks and potential sources of claims.:@0.489688:0.164027:0.783063:0.164027:0.783063:0.153442:0.489688:0.153442:0.009405:0.008575:0.011848:0.005716:0.005301:0.003864:0.006307:0.007473:0.006467:0.005637:0.007808:0.008655:0.008990:0.006387:0.009389:0.009181:0.005413:0.008112:0.008830:0.005413:0.003864:0.007776:0.003864:0.005972:0.006770:0.009022:0.008734:0.005557:0.007042:0.008351:0.006531:0.005637:0.009357:0.004758:0.005637:0.007377:0.003545:0.007808:0.003864:0.013110:0.006563:0.003465
Lower activity in 2020/21  reduces the IBNR provisions :@0.489705:0.186239:0.874543:0.186239:0.874543:0.175655:0.489705:0.175655:0.007521:0.009533:0.011545:0.008543:0.005557:0.005285:0.008128:0.007377:0.005413:0.003625:0.007649:0.003864:0.005126:0.007728:0.005557:0.003273:0.007649:0.006467:0.008607:0.008607:0.008255:0.008607:0.006020:0.008399:0.008399:0.004375:0.004455:0.005381:0.008160:0.009405:0.008750:0.007377:0.008000:0.006770:0.005078:0.005413:0.009038:0.008160:0.006052:0.003944:0.008399:0.011098:0.008830:0.006052:0.008990:0.005381:0.008990:0.007393:0.003864:0.006387:0.003864:0.008830:0.008734:0.006563:0.004375
across CNST and CNSGP by around  £0.3  billion.  This :@0.489285:0.201621:0.867177:0.201621:0.867177:0.191037:0.489285:0.191037:0.007808:0.007058:0.005381:0.009070:0.006467:0.006563:0.005716:0.009884:0.011944:0.008479:0.008367:0.005285:0.007808:0.008575:0.008990:0.006467:0.009884:0.011944:0.008479:0.011130:0.008942:0.006100:0.008655:0.007058:0.005301:0.008128:0.005237:0.009070:0.008830:0.008734:0.009165:0.004375:0.002523:0.008990:0.009070:0.003465:0.009134:0.004375:0.002427:0.009070:0.003864:0.003529:0.003864:0.003529:0.008910:0.008734:0.003273:0.004375:0.002523:0.008064:0.008655:0.003864:0.006387:0.004375
is offset by the IBNR provision for new Covid-19 risks :@0.489705:0.217003:0.870823:0.217003:0.870823:0.206419:0.489705:0.206419:0.003194:0.005716:0.005637:0.009357:0.004998:0.004998:0.006770:0.008351:0.005413:0.005669:0.008830:0.007313:0.004870:0.005413:0.009038:0.008160:0.006052:0.003944:0.008399:0.011098:0.008830:0.006052:0.009070:0.005301:0.008910:0.007313:0.003864:0.006387:0.003864:0.008734:0.008655:0.006052:0.004998:0.009549:0.005557:0.005700:0.009405:0.008575:0.011848:0.005301:0.009884:0.009357:0.007649:0.003864:0.009581:0.006387:0.008607:0.008782:0.006467:0.005205:0.003609:0.006387:0.007393:0.006387:0.004375
and potential claims which  is £1.3  billion, hence the net :@0.489285:0.232444:0.892246:0.232444:0.892246:0.221860:0.489285:0.221860:0.007808:0.008655:0.008990:0.006467:0.009389:0.009102:0.005413:0.008112:0.008830:0.005413:0.003864:0.007776:0.003864:0.005972:0.007377:0.003864:0.007840:0.003864:0.013525:0.006770:0.004742:0.011768:0.009325:0.003864:0.007649:0.009325:0.004375:0.002523:0.003194:0.005716:0.006052:0.008910:0.009070:0.003465:0.009134:0.004375:0.002523:0.008990:0.003864:0.003609:0.003864:0.003864:0.008830:0.008830:0.003465:0.006706:0.009038:0.008112:0.009038:0.007185:0.008351:0.005094:0.005413:0.009038:0.008160:0.006467:0.008655:0.007984:0.005126:0.004375
impact of Covid-19 is to increase the provision across all :@0.489705:0.247826:0.892267:0.247826:0.892267:0.237242:0.489705:0.237242:0.003864:0.013525:0.009165:0.008128:0.007377:0.005174:0.005637:0.009357:0.004758:0.005205:0.009884:0.009357:0.007824:0.003864:0.009405:0.006563:0.008607:0.008607:0.006483:0.003194:0.005716:0.005205:0.005413:0.009134:0.006052:0.003864:0.008734:0.007058:0.005381:0.008160:0.007808:0.006770:0.007936:0.005637:0.005413:0.009038:0.008160:0.006052:0.009070:0.005301:0.008910:0.007313:0.003864:0.006387:0.003864:0.008734:0.008655:0.006467:0.007808:0.007138:0.005381:0.009165:0.006563:0.006770:0.005158:0.007233:0.003449:0.003449:0.004375
schemes by around  £1.0 billion. This compares to a  net :@0.489285:0.263208:0.886961:0.263208:0.886961:0.252624:0.489285:0.252624:0.006770:0.007185:0.009038:0.008351:0.013461:0.008351:0.006770:0.005892:0.008655:0.007058:0.005205:0.008128:0.005317:0.009070:0.008830:0.008734:0.009165:0.004375:0.002523:0.009165:0.009165:0.003465:0.009229:0.006467:0.009070:0.003864:0.003529:0.003864:0.003529:0.008910:0.008734:0.003273:0.006467:0.008367:0.008862:0.003864:0.006770:0.005589:0.007377:0.009006:0.013748:0.009022:0.008128:0.005557:0.008160:0.006770:0.005253:0.005126:0.008990:0.005637:0.006898:0.004375:0.002427:0.008655:0.007984:0.005126:0.004375
impact of Covid-19 of £0.5  billion across all schemes last :@0.489705:0.278886:0.898303:0.278886:0.898303:0.268301:0.489705:0.268301:0.003864:0.013525:0.009165:0.008128:0.007377:0.005174:0.005637:0.009357:0.004758:0.005205:0.010092:0.009357:0.007952:0.003864:0.009660:0.006387:0.008830:0.008064:0.006052:0.009357:0.004758:0.005637:0.008990:0.009070:0.003465:0.009134:0.004375:0.002427:0.008910:0.003609:0.003609:0.003609:0.003609:0.008830:0.008575:0.006467:0.007904:0.007138:0.005381:0.009165:0.006563:0.006770:0.005493:0.007233:0.003449:0.003449:0.006467:0.006770:0.007090:0.009038:0.008351:0.013461:0.008351:0.006770:0.005892:0.003609:0.007649:0.006307:0.005046:0.004375
year. The main driver of the increase relative to 2020/21 :@0.488528:0.294268:0.888632:0.294268:0.888632:0.283683:0.488528:0.283683:0.007313:0.007904:0.007728:0.005205:0.003273:0.006467:0.008367:0.008782:0.008351:0.005940:0.013285:0.007808:0.003864:0.008575:0.006467:0.009165:0.005557:0.003689:0.007473:0.008160:0.005557:0.005110:0.009357:0.004758:0.005301:0.005413:0.009038:0.008160:0.006052:0.003864:0.008734:0.007138:0.005381:0.008351:0.007792:0.006770:0.008016:0.006052:0.005301:0.008064:0.003864:0.007824:0.005205:0.003864:0.007393:0.008064:0.005637:0.005126:0.008990:0.005716:0.008319:0.008399:0.008399:0.008607:0.005940:0.008399:0.008399:0.004375
is the higher number of assumed claims in relation to :@0.489705:0.309650:0.872867:0.309650:0.872867:0.299065:0.489705:0.299065:0.003194:0.005716:0.005205:0.005413:0.009038:0.008160:0.006052:0.009038:0.003864:0.009197:0.009038:0.008351:0.005301:0.005637:0.009038:0.009038:0.013748:0.009102:0.008351:0.005557:0.005669:0.009357:0.004758:0.005205:0.008128:0.006419:0.006770:0.008686:0.013525:0.008160:0.009405:0.006307:0.007377:0.003864:0.007840:0.003864:0.013525:0.006770:0.005589:0.003369:0.007904:0.006467:0.005301:0.008064:0.003864:0.007824:0.005205:0.003864:0.009086:0.008830:0.005637:0.005126:0.008990:0.004375
the indirect impacts of Covid-19 of delays, cancellations :@0.488949:0.325091:0.891495:0.325091:0.891495:0.314506:0.488949:0.314506:0.005413:0.009038:0.008080:0.006052:0.003864:0.008655:0.009165:0.003864:0.005381:0.008351:0.007106:0.005413:0.005940:0.003864:0.013445:0.009165:0.008128:0.007090:0.005413:0.006515:0.005637:0.009357:0.004758:0.005716:0.009884:0.009357:0.007649:0.003864:0.009581:0.006387:0.008607:0.008782:0.005637:0.009357:0.004758:0.005637:0.009405:0.008080:0.003864:0.007904:0.007728:0.006467:0.003465:0.006371:0.007377:0.008128:0.008862:0.007377:0.008175:0.003864:0.003864:0.008128:0.005413:0.003864:0.009357:0.008798:0.006770:0.004375
and misdiagnosis reflecting  longer waiting  lists.:@0.489285:0.340473:0.824463:0.340473:0.824463:0.329888:0.489285:0.329888:0.007808:0.008655:0.008990:0.006467:0.013748:0.003641:0.006770:0.009118:0.003864:0.007904:0.009405:0.008670:0.009357:0.006531:0.003864:0.006770:0.005924:0.005557:0.008064:0.004998:0.003657:0.008064:0.007377:0.005062:0.003864:0.008734:0.009165:0.004375:0.002523:0.003864:0.009165:0.009038:0.009118:0.008160:0.005557:0.004375:0.011752:0.008319:0.003864:0.005413:0.004088:0.009245:0.009660:0.004375:0.002523:0.003449:0.003529:0.006211:0.004870:0.006211:0.003465
Given the time lag  in  reporting claims there have :@0.489705:0.362686:0.840596:0.362686:0.840596:0.352101:0.489705:0.352101:0.010587:0.003864:0.007313:0.008160:0.008830:0.006052:0.005413:0.009038:0.008160:0.005637:0.005413:0.003657:0.013445:0.008160:0.006467:0.003529:0.007313:0.008495:0.004375:0.002523:0.003273:0.007569:0.004375:0.002523:0.005557:0.007968:0.009070:0.008990:0.005381:0.005413:0.003577:0.008655:0.009070:0.006467:0.007377:0.003625:0.007904:0.003864:0.013365:0.006770:0.005078:0.005413:0.009038:0.008160:0.005557:0.008144:0.006467:0.008655:0.007649:0.007233:0.007904:0.004375
only been a small  number of Covid-19 related :@0.489285:0.378066:0.820056:0.378066:0.820056:0.367482:0.489285:0.367482:0.008990:0.008830:0.003864:0.007393:0.005637:0.008910:0.007984:0.007984:0.008655:0.006387:0.006898:0.006052:0.006467:0.013030:0.007808:0.003864:0.003529:0.004375:0.002427:0.009038:0.009038:0.013748:0.009102:0.008351:0.005557:0.005669:0.009357:0.004758:0.005301:0.009884:0.009357:0.007649:0.003864:0.009581:0.006387:0.008607:0.008782:0.006467:0.005301:0.007904:0.003864:0.007649:0.005126:0.007984:0.008990:0.004375
claims reported to date.  Given the lack of historical :@0.489285:0.393447:0.856527:0.393447:0.856527:0.382863:0.489285:0.382863:0.007377:0.003625:0.007904:0.003864:0.013365:0.006770:0.005924:0.005381:0.008064:0.009070:0.008990:0.005381:0.005413:0.007952:0.009070:0.006052:0.005126:0.008990:0.005637:0.009405:0.007904:0.005413:0.008112:0.003465:0.004375:0.002826:0.010762:0.003864:0.007393:0.008351:0.008798:0.005637:0.005413:0.009213:0.008351:0.006100:0.003864:0.008128:0.007170:0.007936:0.005174:0.009357:0.004758:0.006052:0.008734:0.003864:0.006307:0.005413:0.008878:0.005381:0.003864:0.006978:0.007808:0.003864:0.004375
claims data the high-level approach adopted to :@0.489285:0.409185:0.830180:0.409185:0.830180:0.398601:0.489285:0.398601:0.007377:0.003625:0.007904:0.003864:0.013365:0.006770:0.005493:0.009405:0.007744:0.005205:0.007904:0.005716:0.005413:0.009038:0.008080:0.006467:0.008734:0.003864:0.008734:0.008734:0.006132:0.003864:0.007824:0.007313:0.008064:0.003864:0.006307:0.007904:0.009070:0.009389:0.005317:0.009165:0.008128:0.007090:0.009038:0.006259:0.007904:0.009165:0.009165:0.009389:0.005158:0.008160:0.009405:0.005892:0.005126:0.008990:0.004375
quantifying the impact of Covid-19 on the provisions :@0.489285:0.424567:0.871281:0.424567:0.871281:0.413983:0.489285:0.413983:0.009405:0.009038:0.007952:0.009038:0.005413:0.003864:0.004998:0.007728:0.003864:0.009038:0.009165:0.006052:0.005413:0.009038:0.008160:0.006052:0.003864:0.013748:0.009197:0.008128:0.007377:0.005413:0.005142:0.009357:0.004758:0.005637:0.009884:0.009613:0.007649:0.004120:0.009581:0.006387:0.008830:0.008064:0.005637:0.008575:0.008399:0.006052:0.005413:0.009038:0.008160:0.006387:0.008990:0.005381:0.008990:0.007393:0.003864:0.006387:0.003864:0.008830:0.008734:0.006563:0.004375
is discussed  in detail  in  Note 7.2 to the accounts.:@0.489705:0.439949:0.836029:0.439949:0.836029:0.429365:0.489705:0.429365:0.003194:0.005716:0.005637:0.009165:0.003864:0.006387:0.007058:0.008734:0.006467:0.006563:0.008064:0.009070:0.004375:0.002427:0.003273:0.007649:0.006467:0.009165:0.007984:0.005205:0.007728:0.003864:0.003529:0.004375:0.002523:0.003273:0.007569:0.004375:0.002523:0.011257:0.008830:0.005126:0.007808:0.005716:0.009070:0.003705:0.008990:0.006052:0.005126:0.008990:0.005205:0.005413:0.009038:0.008160:0.006052:0.008128:0.007377:0.007185:0.009357:0.009038:0.008830:0.005413:0.006770:0.003465