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http://phromphiram.phitsanulok.doae.go.th/wp-content/uploads/ckbncy/dbcgcgn.php?c77a92=half-cx-reserve-calculation WebDec 31, 1998 · losses and expenses exceeded the UPR. This rule establishes a premium deficiency reserve for long-term policies. It should be noted that under the new … hcpf phone number