What is “exposure” here?

A simple expected value: packages × refund rate × average amount at risk. It is not a legal reserve calculation.

If some packages are never fully used but not refunded, your real economic exposure differs—adjust rates to reflect your history.

Published by Clinic Admin Tools UK · Independent practice-admin content · Not clinical advice

Package refund exposure calculator

Roughly estimate financial exposure if a portion of prepaid packages is refunded or unused.

Introduction

Prepaid blocks create deferred revenue and occasional refund requests. Multiply packages sold by an assumed refund or breakage rate and average refundable amount to stress-test exposure.

Your accounts team should follow applicable revenue recognition rules; this is a quick risk sketch only.

Calculator

Adjust the fields below; results update as you type. All processing happens in your browser—we do not receive the numbers you enter.

Packages sold in period

Assumed refund / credit rate

(%)

Average amount at risk per affected package

(£)

Results

Illustrative exposure —

Context and how to use this

Prepaid blocks create scenarios where patients stop early or request credits. Stress-test by combining packages sold, an assumed refund rate, and average exposure per affected package.

Finance teams should still follow revenue recognition rules; this is a risk sketch only.

Common questions

What is “exposure” here?: A simple expected value: packages × refund rate × average amount at risk. It is not a legal reserve calculation.
Breakage?: If some packages are never fully used but not refunded, your real economic exposure differs—adjust rates to reflect your history.

Other calculators visitors often use alongside this one:

Introduction

Calculator

Results

Context and how to use this

Common questions

Related tools