Free template
Benefit Package Costing Worksheet
A blank Excel worksheet for costing a health benefit package service by service — covered population, utilisation, unit costs or tariffs — with a five-year projection and administration costs.
ExcelUpdated 30 September 2026Health financing & insurance · Costing
What's inside
- Covered population by membership category
- Up to 60 services with level of care, utilisation, unit cost or tariff, and sources
- Year-1 cost of each service and of the whole package
- Five-year projection with growth in members, utilisation and prices
- Cost per covered person per year
Key points
- 01Blank structure with formulas only — no data are included.
- 02Service cost = covered population × utilisation per person × unit cost.
- 03Projects growth in members, utilisation and prices separately.
- 04Records whether each figure is a tariff or a unit cost, and its source.
Frequently asked questions
Does the worksheet handle different utilisation by membership category?
Not in this simple version, which applies average utilisation to the whole covered population. For different rates by category or age group, copy the Services sheet for each group.
Should I use tariffs or unit costs?
Tariffs show what the scheme will pay; unit costs show what services cost to provide. Record which you used for each service; the difference matters for provider sustainability.
Where can I read more about the method?
See our "Benefit Package Costing Checklist for Insurers and Ministries".
Need this done properly?
This template gives you the structure. If you would rather have the analysis done for you — with local data, independent quality control and a report you can defend — we can help.
Need this done properly?
Tell us about the decision you need to support. We will propose a scope, timeline and price.