It's a bit more complicated than that.

My brother-in-law generated 42 claims two Christmases ago when he visited us, fell on the stairs and broke his hip.

Even a minor surgical procedure can generate half a dozen claims or more by the time you add in hospital fees, equipment rental, anesthesiologist, surgeon, referring physician, and a bunch of prescriptions for pain, antibiotic, etc.

Some months there are no claims at all. Other months... well, you get the idea.

tanstaafl.