{"id":646,"date":"2019-08-14T14:08:22","date_gmt":"2019-08-14T14:08:22","guid":{"rendered":"https:\/\/www.gicouncil.in\/yearbook\/?page_id=646"},"modified":"2019-08-29T13:20:34","modified_gmt":"2019-08-29T13:20:34","slug":"table-10-net-retention-ratios-defined-as-net-written-premium-divided-by-gross-written-premium","status":"publish","type":"page","link":"https:\/\/www.gicouncil.in\/yearbook\/2022-23\/annexures\/table-10-net-retention-ratios-defined-as-net-written-premium-divided-by-gross-written-premium\/","title":{"rendered":"Table 10: Net Retention Ratios (defined as Net Written premium divided by Gross Written Premium)"},"content":{"rendered":"<h3 class=\"section-title\" style=\"font-size: 17px;\"><span style=\"background: #f6a192;border-radius: 8px;color: #fff;padding: 5px;font-size: 14px; margin-right: 10px;\"> Table 10<\/span>NET RETENTION RATIOS (defined as Net Written premium divided by Gross Written Premium)<\/h3><span style=\"text-align: center;font-size: large;font-weight: bold;\">OVERALL<\/span><table width=\"100%\" class=\"\">    <tbody>        <tr>                    <td>                        Year                    <\/td>                    <td>                        2013-14                    <\/td>                    <td>                        2014-15                    <\/td>                    <td>                        2015-16                    <\/td>                    <td>                        2016-17                    <\/td>                    <td>                        2017-18                    <\/td>                    <td>                        2018-19                    <\/td>                    <td>                        2019-20                    <\/td>                    <td>                        2020-21                    <\/td>                    <td>                        2021-22                    <\/td>                    <td>                        2022-23                    <\/td>        <\/tr>        <tr>                    <td>                            Fire                    <\/td>                    <td>                            52.2%                    <\/td>                    <td>                            48.5%                    <\/td>                    <td>                            49.3%                    <\/td>                    <td>                            44.9%                    <\/td>                    <td>                            38.5%                    <\/td>                    <td>                            39.3%                    <\/td>                    <td>                            36.7%\n                    <\/td>                    <td>                            36.3%                    <\/td>                    <td>                            34.8%                    <\/td>                    <td>                            32.5%                    <\/td>        <\/tr>        <tr>                    <td>                            Engg.                    <\/td>                    <td>                            50.5%                    <\/td>                    <td>                            48.1%                    <\/td>                    <td>                            48.3%                    <\/td>                    <td>                            47.2%                    <\/td>                    <td>                            49.2%                    <\/td>                    <td>                            46.5%                    <\/td>                    <td>                            43.5%\n                    <\/td>                    <td>                            40.8%                    <\/td>                    <td>                            38.5%                    <\/td>                    <td>                            38.2%                    <\/td>        <\/tr>        <tr>                    <td>                            Marine Cargo                    <\/td>                    <td>                            72.8%                    <\/td>                    <td>                            73.6%                    <\/td>                    <td>                            73.2%                    <\/td>                    <td>                            70.9%                    <\/td>                    <td>                            69.3%                    <\/td>                    <td>                            67.9%                    <\/td>                    <td>                            62.9%\n                    <\/td>                    <td>                            67.4%                    <\/td>                    <td>                            68.3%                    <\/td>                    <td>                            64.5%                    <\/td>        <\/tr>        <tr>                    <td>                            Marine Hull                    <\/td>                    <td>                            23.9%                    <\/td>                    <td>                            31.0%                    <\/td>                    <td>                            25.9%                    <\/td>                    <td>                            16.7%                    <\/td>                    <td>                            25.1%                    <\/td>                    <td>                            23.2%                    <\/td>                    <td>                            26.0%\n                    <\/td>                    <td>                            24.0%                    <\/td>                    <td>                            27.4%                    <\/td>                    <td>                            30.1%                    <\/td>        <\/tr>        <tr>                    <td>                            Motor OD                    <\/td>                    <td>                            91.2%                    <\/td>                    <td>                            90.4%                    <\/td>                    <td>                            90.1%                    <\/td>                    <td>                            86.8%                    <\/td>                    <td>                            87.6%                    <\/td>                    <td>                            84.7%                    <\/td>                    <td>                            81.9%\n                    <\/td>                    <td>                            86.1%                    <\/td>                    <td>                            84.4%                    <\/td>                    <td>                            82.8%                    <\/td>        <\/tr>        <tr>                    <td>                            Motor TP                    <\/td>                    <td>                            90.2%                    <\/td>                    <td>                            91.8%                    <\/td>                    <td>                            92.4%                    <\/td>                    <td>                            89.7%                    <\/td>                    <td>                            87.6%                    <\/td>                    <td>                            90.3%                    <\/td>                    <td>                            88.7%\n                    <\/td>                    <td>                            88.4%                    <\/td>                    <td>                            90.2%                    <\/td>                    <td>                            90.0%                    <\/td>        <\/tr>        <tr>                    <td>                            Aviation                    <\/td>                    <td>                            19.6%                    <\/td>                    <td>                            24.3%                    <\/td>                    <td>                            23.6%                    <\/td>                    <td>                            57.4%                    <\/td>                    <td>                            31.0%                    <\/td>                    <td>                            31.1%                    <\/td>                    <td>                            42.0%\n                    <\/td>                    <td>                            35.0%                    <\/td>                    <td>                            30.3%                    <\/td>                    <td>                            29.7%                    <\/td>        <\/tr>        <tr>                    <td>                            Health                    <\/td>                    <td>                            88.9%                    <\/td>                    <td>                            90.8%                    <\/td>                    <td>                            89.6%                    <\/td>                    <td>                            85.2%                    <\/td>                    <td>                            79.8%                    <\/td>                    <td>                            79.8%                    <\/td>                    <td>                            80.1%\n                    <\/td>                    <td>                            85.2%                    <\/td>                    <td>                            86.2%                    <\/td>                    <td>                            87.8%                    <\/td>        <\/tr>        <tr>                    <td>                            Personal accident                    <\/td>                    <td>                            86.0%                    <\/td>                    <td>                            86.9%                    <\/td>                    <td>                            84.1%                    <\/td>                    <td>                            83.4%                    <\/td>                    <td>                            83.8%                    <\/td>                    <td>                            82.0%                    <\/td>                    <td>                            83.9%\n                    <\/td>                    <td>                            80.5%                    <\/td>                    <td>                            73.9%                    <\/td>                    <td>                            78.9%                    <\/td>        <\/tr>        <tr>                    <td>                            Liability                    <\/td>                    <td>                            69.8%                    <\/td>                    <td>                            69.8%                    <\/td>                    <td>                            63.7%                    <\/td>                    <td>                            62.8%                    <\/td>                    <td>                            62.5%                    <\/td>                    <td>                            59.6%                    <\/td>                    <td>                            57.0%\n                    <\/td>                    <td>                            54.7%                    <\/td>                    <td>                            55.6%                    <\/td>                    <td>                            52.1%                    <\/td>        <\/tr>        <tr>                    <td>                            Other Misc.                    <\/td>                    <td>                            59.6%                    <\/td>                    <td>                            57.5%                    <\/td>                    <td>                            59.4%                    <\/td>                    <td>                            32.3%                    <\/td>                    <td>                            32.8%                    <\/td>                    <td>                            30.3%                    <\/td>                    <td>                            28.7%\n                    <\/td>                    <td>                            45.1%                    <\/td>                    <td>                            45.3%                    <\/td>                    <td>                            41.2%                    <\/td>        <\/tr>        <tr>                    <td>                            TOTAL                    <\/td>                    <td>                            78.1%                    <\/td>                    <td>                            78.9%                    <\/td>                    <td>                            79.5%                    <\/td>                    <td>                            70.2%                    <\/td>                    <td>                            68.6%                    <\/td>                    <td>                            68.4%                    <\/td>                    <td>                            66.7%\n                    <\/td>                    <td>                            71.1%                    <\/td>                    <td>                            72.0%                    <\/td>                    <td>                            73.9%                    <\/td>        <\/tr>    <\/tbody><\/table>\n\n\n\n<p><\/p>\n\n\n<span style=\"text-align: center;font-size: large;font-weight: bold;\">GENERAL INSURERS<\/span><table width=\"100%\" class=\"\">    <tbody>        <tr>                    <td>                        Year                    <\/td>                    <td>                        2013-14                    <\/td>                    <td>                        2014-15                    <\/td>                    <td>                        2015-16                    <\/td>                    <td>                        2016-17                    <\/td>                    <td>                        2017-18                    <\/td>                    <td>                        2018-19                    <\/td>                    <td>                        2019-20                    <\/td>                    <td>                        2020-21                    <\/td>                    <td>                        2021-22                    <\/td>                    <td>                        2022-23                    <\/td>        <\/tr>        <tr>                    <td>                            Fire                    <\/td>                    <td>                            52.2%                    <\/td>                    <td>                            48.5%                    <\/td>                    <td>                            49.3%                    <\/td>                    <td>                            44.9%                    <\/td>                    <td>                            38.5%                    <\/td>                    <td>                            39.3%                    <\/td>                    <td>                            36.7%\n                    <\/td>                    <td>                            36.3%                    <\/td>                    <td>                            34.8%                    <\/td>                    <td>                            32.5%                    <\/td>        <\/tr>        <tr>                    <td>                            Engg.                    <\/td>                    <td>                            50.5%                    <\/td>                    <td>                            48.1%                    <\/td>                    <td>                            48.3%                    <\/td>                    <td>                            47.2%                    <\/td>                    <td>                            49.2%                    <\/td>                    <td>                            46.5%                    <\/td>                    <td>                            43.5%\n                    <\/td>                    <td>                            40.8%                    <\/td>                    <td>                            38.5%                    <\/td>                    <td>                            38.2%                    <\/td>        <\/tr>        <tr>                    <td>                            Marine Cargo                    <\/td>                    <td>                            72.8%                    <\/td>                    <td>                            73.6%                    <\/td>                    <td>                            73.2%                    <\/td>                    <td>                            70.9%                    <\/td>                    <td>                            69.3%                    <\/td>                    <td>                            67.9%                    <\/td>                    <td>                            62.9%\n                    <\/td>                    <td>                            67.4%                    <\/td>                    <td>                            68.3%                    <\/td>                    <td>                            64.5%                    <\/td>        <\/tr>        <tr>                    <td>                            Marine Hull                    <\/td>                    <td>                            23.9%                    <\/td>                    <td>                            31.0%                    <\/td>                    <td>                            25.9%                    <\/td>                    <td>                            16.7%                    <\/td>                    <td>                            25.1%                    <\/td>                    <td>                            23.2%                    <\/td>                    <td>                            26.0%\n                    <\/td>                    <td>                            24.0%                    <\/td>                    <td>                            27.4%                    <\/td>                    <td>                            30.1%                    <\/td>        <\/tr>        <tr>                    <td>                            Motor OD                    <\/td>                    <td>                            91.2%                    <\/td>                    <td>                            90.4%                    <\/td>                    <td>                            90.1%                    <\/td>                    <td>                            86.8%                    <\/td>                    <td>                            87.6%                    <\/td>                    <td>                            84.7%                    <\/td>                    <td>                            81.9%\n                    <\/td>                    <td>                            86.1%                    <\/td>                    <td>                            84.4%                    <\/td>                    <td>                            82.8%                    <\/td>        <\/tr>        <tr>                    <td>                            Motor TP                    <\/td>                    <td>                            90.2%                    <\/td>                    <td>                            91.8%                    <\/td>                    <td>                            92.4%                    <\/td>                    <td>                            89.7%                    <\/td>                    <td>                            87.6%                    <\/td>                    <td>                            90.3%                    <\/td>                    <td>                            88.7%\n                    <\/td>                    <td>                            88.4%                    <\/td>                    <td>                            90.2%                    <\/td>                    <td>                            90.0%                    <\/td>        <\/tr>        <tr>                    <td>                            Aviation                    <\/td>                    <td>                            19.6%                    <\/td>                    <td>                            24.3%                    <\/td>                    <td>                            23.6%                    <\/td>                    <td>                            57.4%                    <\/td>                    <td>                            31.0%                    <\/td>                    <td>                            31.1%                    <\/td>                    <td>                            42.0%\n                    <\/td>                    <td>                            35.0%                    <\/td>                    <td>                            30.3%                    <\/td>                    <td>                            29.7%                    <\/td>        <\/tr>        <tr>                    <td>                            Health                    <\/td>                    <td>                            89.5%                    <\/td>                    <td>                            91.8%                    <\/td>                    <td>                            91.7%                    <\/td>                    <td>                            86.3%                    <\/td>                    <td>                            80.0%                    <\/td>                    <td>                            80.2%                    <\/td>                    <td>                            81.8%\n                    <\/td>                    <td>                            88.1%                    <\/td>                    <td>                            85.7%                    <\/td>                    <td>                            87.1%                    <\/td>        <\/tr>        <tr>                    <td>                            Personal accident                    <\/td>                    <td>                            86.5%                    <\/td>                    <td>                            87.4%                    <\/td>                    <td>                            84.6%                    <\/td>                    <td>                            83.9%                    <\/td>                    <td>                            84.2%                    <\/td>                    <td>                            81.9%                    <\/td>                    <td>                            83.6%\n                    <\/td>                    <td>                            79.5%                    <\/td>                    <td>                            72.3%                    <\/td>                    <td>                            77.8%                    <\/td>        <\/tr>        <tr>                    <td>                            Liability                    <\/td>                    <td>                            69.8%                    <\/td>                    <td>                            69.8%                    <\/td>                    <td>                            63.7%                    <\/td>                    <td>                            62.8%                    <\/td>                    <td>                            62.5%                    <\/td>                    <td>                            59.6%                    <\/td>                    <td>                            57.0%\n                    <\/td>                    <td>                            54.7%                    <\/td>                    <td>                            55.6%                    <\/td>                    <td>                            52.1%                    <\/td>        <\/tr>        <tr>                    <td>                            Other Misc.                    <\/td>                    <td>                            61.7%                    <\/td>                    <td>                            54.4%                    <\/td>                    <td>                            55.0%                    <\/td>                    <td>                            32.6%                    <\/td>                    <td>                            34.4%                    <\/td>                    <td>                            30.5%                    <\/td>                    <td>                            29.1%\n                    <\/td>                    <td>                            39.7%                    <\/td>                    <td>                            40.6%                    <\/td>                    <td>                            36.4%                    <\/td>        <\/tr>        <tr>                    <td>                            TOTAL                    <\/td>                    <td>                            79.2%                    <\/td>                    <td>                            79.5%                    <\/td>                    <td>                            80.3%                    <\/td>                    <td>                            72.3%                    <\/td>                    <td>                            70.6%                    <\/td>                    <td>                            69.7%                    <\/td>                    <td>                            68.3%\n                    <\/td>                    <td>                            71.7%                    <\/td>                    <td>                            71.9%                    <\/td>                    <td>                            71.7%                    <\/td>        <\/tr>    <\/tbody><\/table>\n\n\n\n<p><\/p>\n\n\n<span style=\"text-align: center;font-size: large;font-weight: bold;\">STANDALONE HEALTH INSURERS<\/span><table width=\"100%\" class=\"\">    <tbody>        <tr>                    <td>                        Year                    <\/td>                    <td>                        2013-14                    <\/td>                    <td>                        2014-15                    <\/td>                    <td>                        2015-16                    <\/td>                    <td>                        2016-17                    <\/td>                    <td>                        2017-18                    <\/td>                    <td>                        2018-19                    <\/td>                    <td>                        2019-20                    <\/td>                    <td>                        2020-21                    <\/td>                    <td>                        2021-22                    <\/td>                    <td>                        2022-23                    <\/td>        <\/tr>        <tr>                    <td>                            Health                    <\/td>                    <td>                            84.6%                    <\/td>                    <td>                            84.9%                    <\/td>                    <td>                            79.1%                    <\/td>                    <td>                            80.4%                    <\/td>                    <td>                            79.2%                    <\/td>                    <td>                            78.2%                    <\/td>                    <td>                            75.6%\n                    <\/td>                    <td>                            77.0%                    <\/td>                    <td>                            87.6%                    <\/td>                    <td>                            89.8%                    <\/td>        <\/tr>        <tr>                    <td>                            Personal accident                    <\/td>                    <td>                            70.9%                    <\/td>                    <td>                            74.7%                    <\/td>                    <td>                            76.3%                    <\/td>                    <td>                            77.5%                    <\/td>                    <td>                            79.4%                    <\/td>                    <td>                            82.8%                    <\/td>                    <td>                            85.7%\n                    <\/td>                    <td>                            87.8%                    <\/td>                    <td>                            86.7%                    <\/td>                    <td>                            87.8%                    <\/td>        <\/tr>        <tr>                    <td>                            Other Misc.                    <\/td>                    <td>                            86.5%                    <\/td>                    <td>                            86.4%                    <\/td>                    <td>                            87.5%                    <\/td>                    <td>                            -                    <\/td>                    <td>                            80.5%                    <\/td>                    <td>                            -                    <\/td>                    <td>                            -                    <\/td>                    <td>                                 -                    <\/td>                    <td>                            -                    <\/td>                    <td>                            -                    <\/td>        <\/tr>        <tr>                    <td>                            TOTAL                    <\/td>                    <td>                            84.2%                    <\/td>                    <td>                            84.6%                    <\/td>                    <td>                            79.0%                    <\/td>                    <td>                            80.3%                    <\/td>                    <td>                            79.3%                    <\/td>                    <td>                            78.4%                    <\/td>                    <td>                            76.0%                    <\/td>                    <td>                            77.5%                    <\/td>                    <td>                            87.6%                    <\/td>                    <td>                            89.8%                    <\/td>        <\/tr>    <\/tbody><\/table>\n\n\n\n<p><\/p>\n\n\n<span style=\"text-align: center;font-size: large;font-weight: bold;\">SPECIALISED INSURERS<\/span><table width=\"100%\" class=\"\">    <tbody>        <tr>                    <td>                        Year                    <\/td>                    <td>                        2013-14                    <\/td>                    <td>                        2014-15                    <\/td>                    <td>                        2015-16                    <\/td>                    <td>                        2016-17                    <\/td>                    <td>                        2017-18                    <\/td>                    <td>                        2018-19                    <\/td>                    <td>                        2019-20                    <\/td>                    <td>                        2020-21                    <\/td>                    <td>                        2021-22                    <\/td>                    <td>                        2022-23                    <\/td>        <\/tr>        <tr>                    <td>                            Other Misc.                    <\/td>                    <td>                            57.1%                    <\/td>                    <td>                            62.2%                    <\/td>                    <td>                            64.7%                    <\/td>                    <td>                            31.7%                    <\/td>                    <td>                            28.7%                    <\/td>                    <td>                            29.8%                    <\/td>                    <td>                            27.7%\n                    <\/td>                    <td>                            55.0%                    <\/td>                    <td>                            51.9%                    <\/td>                    <td>                            49.2%                    <\/td>        <\/tr>    <\/tbody><\/table>\n\n\n\n<p style=\"text-align:left\" class=\"has-small-font-size\"><strong><em>Source<\/em><\/strong><em>: IRDAI reports and Council Compilation<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Source: IRDAI reports and Council 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