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Difference between Calendar Year vs Policy Year The calendar year experience looks at losses from claims made during a specific year (emphasis on "loss"), and the policy year experience looks at how a specific set of policies-those that come into effect during the year-are exposed to losses (emphasis on "exposure"). To Learn More, reach us at +1-586-436-3761 / info@medmaxtechnologies.com To Get a Free Billing Quote: https://medmaxtechnologies.com/contact-us/