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Insurance

Combined ratio

Let's explore the concept of combined ratio, a fundamental metric in the world of finance and insurance. Essentially, it measures the percentage of each premium rupee that a property/casualty insurer spends on claims and expenses. A decrease in this ratio indicates an improvement in financial results, while an increase suggests a decline. It is worth noting that a combined ratio of over 100 signifies an underwriting loss for the insurer. Understanding this ratio is crucial for assessing an insurer's overall performance and financial health.

Securitization of insurance risk

The capital markets can be a valuable tool for insurance companies looking to expand and diversify their risk exposure. This can be achieved through the issuance of bonds or...

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Third-party administrator

An employer often appoints an administrator to oversee various tasks related to employee benefits such as managing claims. Alternatively, an external group may be hired by a...

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Experience rating

Insurance rating is a method of determining the cost of insurance based on the insured's past claims. This means that the premium for future coverage is influenced by the in...

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Arson

in order to collect insurance money is known as arson, and is considered a criminal act. The amount of insurance fraud related to arson has been estimated to be in the billio...

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