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  • combined ratio

    Combined Ratio An indication of an insurance company’s health The combined ratio is an indication of an insurance company's health. The word "combined" is used because it includes three ratios: loss ratio expense ratio dividend ratio The combined ratio is the sum of the combined loss ratio, expense ratio and dividend ratio for a given time period. The formula is [(Loss + Loss Adjustment Expense)/Earned Premium] + [Underwriting Expenses/Written Premium] + [Dividends to Policyholders/Earned Premium].

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  • combined ratio


    A formula used by insurance companies to relate premium income to claims, administration and dividend expenses. It is used in the annual statement filed by an insurer with the state insurance department. It is calculated by dividing the sum of incurred losses and expenses by earned premium. It indicates the profitability of the insurer's operations by combining the loss ratio with expense ratio (including dividends if any). Formula: (1) loss ratio + expense ratio + dividend ratio; or (2) (incurred losses + incurred underwriting expenses) ÷ earned premiums. This is termed the statutory combined ratio and measures the amount that an insurer must pay to cover claims and expenses per dollar of earned premium. The combined ratio does not take account of investment income. Examples: A ratio of .98 means the insurer has made two cents (2%) of underwriting profit; a ratio of 1.17 means it has an underwriting loss of 17 cents (17%) for each premium dollar.
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  • kumulierte Schaden- und Kostenquote (combined ratio)

    Nachdem überdies die Schadenlast wie schon im Jahr 2000 absolut gesunken ist, wenn auch nur um ein halbes Prozent, sank die kumulierte Schaden- und Kostenquote nach Abwicklung von Vorjahresschäden (combined ratio) auf 99%. Das Jahr 2001 weist also insgesamt für unsere Bereiche befriedigende Ergebnisse aus.

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  • Combinded Ratio

    Combined Ratio (engl.; „kombinierte Quote“) Die Summe aus der Schadenquote und der Kostenquote. Die kombinierte Schaden-/Kostenquote ist eine wichtige Kennzahl bei der Betrachtung der Rentabilität nicht nur eines Vertrags, sondern auch eines Teilbestands oder des gesamten Versicherungsbestands. Überschreitet sie die 100-Prozent-Marke, ergibt sich für das betrachtete Geschäft ein versicherungstechnischer Verlust.

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