Table 8Gross incurred Claim Ratios (within India and abroad)
OVERALL | Year | 2007-08 | 2008-09 | 2009-10 | 2010-11 | 2011-12 | 2012-13 | 2013-14 | 2014-15 | 2015-16 | 2016-17 | 2017-18 | 2018-19 | 2019-20 |
| Fire | 58.4% | 68.2% | 60.8% | 62.7% | 65.0% | 42.0% | 69.6% | 75.4% | 61.4% | 72.7% | 60.8% | 78.0% | 59.2%
|
| Engg. | 41.9% | 49.4% | 38.9% | 43.6% | 49.4% | 27.4% | 77.4% | 63.2% | 53.6% | 45.8% | 27.8% | 52.4% | 73.9%
|
| Marine Cargo | 77.3% | 83.7% | 77.8% | 68.8% | 73.9% | 59.5% | 68.0% | 80.3% | 90.4% | 75.3% | 57.1% | 79.7% | 63.7%
|
| Marine Hull | 78.1% | 95.6% | 47.8% | 115.9% | 40.0% | 62.9% | 23.7% | 57.5% | 58.6% | 105.4% | 40.6% | 69.5% | 50.2%
|
| Motor OD | 56.8% | 65.7% | 60.1% | 59.2% | 55.7% | 53.5% | 56.7% | 59.8% | 67.2% | 70.0% | 63.8% | 72.4% | 77.2% |
| Motor TP | 83.0% | 85.2% | 82.6% | 109.8% | 128.1% | 106.5% | 112.6% | 96.8% | 86.6% | 94.0% | 96.4% | 87.2% | 81.6%
|
| Aviation | 41.0% | 50.9% | 43.8% | 101.9% | 64.1% | 39.4% | 40.3% | 53.5% | 123.1% | 89.1% | 90.2% | 154.3%
| 80.2%
|
| Health | 83.2% | 94.1% | 96.8% | 88.5% | 83.5% | 84.7% | 87.3% | 89.3% | 89.9% | 95.4% | 83.3% | 79.8% | 81.9%
|
| Personal accident | 67.6% | 88.0% | 79.4% | 61.1% | 51.7% | 49.2% | 54.2% | 50.5% | 52.0% | 60.2% | 64.6% | 64.1% | 69.1%
|
| Liability | 28.7% | 36.6% | 56.1% | 34.7% | 43.8% | 39.4% | 25.5% | 23.6% | 29.8% | 26.3% | 41.5% | 47.3% | 38.7%
|
| Other Misc. | 51.9% | 59.5% | 77.8% | 53.7% | 64.2% | 70.5% | 74.9% | 97.6% | 85.9% | 91.6% | 90.8% | 87.7% | 90.6%
|
| TOTAL | 65.8% | 74.8% | 73.1% | 75.2% | 79.4% | 68.8% | 77.2% | 79.7% | 77.4% | 84.2% | 79.6% | 80.5% | 79.5%
|
GENERAL INSURERS | Year | 2007-08 | 2008-09 | 2009-10 | 2010-11 | 2011-12 | 2012-13 | 2013-14 | 2014-15 | 2015-16 | 2016-17 | 2017-18 | 2018-19 | 2019-20 |
| Fire | 58.4% | 68.2% | 60.8% | 62.7% | 65.0% | 42.0% | 69.6% | 75.4% | 61.4% | 72.7% | 60.8% | 78.0% | 59.2%
|
| Engg. | 41.9% | 49.4% | 38.9% | 43.6% | 49.4% | 27.4% | 77.4% | 63.2% | 53.6% | 45.8% | 27.8% | 52.4% | 73.9%
|
| Marine Cargo | 77.3% | 83.7% | 77.8% | 68.8% | 73.9% | 59.5% | 68.0% | 80.3% | 90.4% | 75.3% | 57.1% | 79.7% | 63.7%
|
| Marine Hull | 78.1% | 95.6% | 47.8% | 115.9% | 40.0% | 62.9% | 23.7% | 57.5% | 58.6% | 105.4% | 40.6% | 69.5% | 50.2%
|
| Motor OD | 56.8% | 65.7% | 60.1% | 59.2% | 55.7% | 53.5% | 56.7% | 59.8% | 67.2% | 70.0% | 63.8% | 72.4% | 77.2%
|
| Motor TP | 83.0% | 85.2% | 82.6% | 109.8% | 128.1% | 106.5% | 112.6% | 96.8% | 86.6% | 94.0% | 96.4% | 87.2% | 81.6%
|
| Aviation | 41.0% | 50.9% | 43.8% | 101.9% | 64.1% | 39.4% | 40.3% | 53.5% | 123.1% | 89.1% | 90.2% | 154.3% | 80.2%
|
| Health | 84.0% | 95.3% | 100.0% | 89.1% | 84.1% | 88.3% | 92.1% | 95.6% | 96.8% | 104.8% | 91.2% | 87.5% | 90.3%
|
| Personal accident | 67.1% | 88.2% | 78.2% | 61.0% | 51.6% | 49.8% | 55.4% | 51.8% | 53.9% | 63.2% | 68.7% | 68.5% | 75.1%
|
| Liability | 28.7% | 36.6% | 56.1% | 34.7% | 43.8% | 39.4% | 25.5% | 23.6% | 29.8% | 26.3% | 41.5% | 47.3% | 38.7%
|
| Other Misc. | 47.8% | 45.5% | 51.6% | 34.2% | 39.8% | 40.6% | 52.2% | 79.2% | 88.1% | 77.1% | 84.0% | 85.5% | 92.0%
|
| TOTAL | 66.2% | 74.4% | 71.0% | 74.8% | 78.7% | 67.1% | 76.5% | 78.6% | 78.2% | 83.1% | 79.5% | 81.7% | 80.9%
|
STANDALONE HEALTH INSURERS | Year | 2007-08 | 2008-09 | 2009-10 | 2010-11 | 2011-12 | 2012-13 | 2013-14 | 2014-15 | 2015-16 | 2016-17 | 2017-18 | 2018-19 | 2019-20 |
| Health | 56.3% | 80.8% | 74.9% | 84.4% | 79.6% | 54.7% | 53.2% | 51.3% | 53.6% | 52.4% | 52.8% | 54.9% | 58.6%
|
| Personal accident | 84.9% | 79.6% | 160.8% | 63.2% | 56.0% | 24.5% | 15.5% | 19.6% | 23.8% | 20.8% | 21.4% | 25.9% | 24.8%
|
| Other Misc. | NA | 41.6% | 39.5% | 57.7% | 39.7% | 14.5% | 37.3% | 20.1% | 59.1% | NA | 34.2% | NA | NA |
| TOTAL | 59.8% | 80.6% | 75.9% | 83.9% | 79.0% | 53.9% | 52.2% | 50.2% | 52.5% | 51.0% | 51.2% | 53.5% | 57.1%
|
SPECIALISED INSURERS | Year | 2007-08 | 2008-09 | 2009-10 | 2010-11 | 2011-12 | 2012-13 | 2013-14 | 2014-15 | 2015-16 | 2016-17 | 2017-18 | 2018-19 | 2019-20 |
| Other Misc. | 58.2% | 81.2% | 109.4% | 77.4% | 91.7% | 101.3% | 100.8% | 125.0% | 83.4% | 124.1% | 107.7% | 94.5% | 86.9%
|
Source: IRDAI reports and Council Compilation
