{"id":652,"date":"2019-08-14T18:09:20","date_gmt":"2019-08-14T18:09:20","guid":{"rendered":"https:\/\/www.gicouncil.in\/yearbook\/?page_id=652"},"modified":"2019-08-29T13:31:32","modified_gmt":"2019-08-29T13:31:32","slug":"table-12-net-incurred-claim-ratios-defined-as-net-incurred-claims-divided-by-net-earned-premium","status":"publish","type":"page","link":"https:\/\/www.gicouncil.in\/yearbook\/2022-23\/annexures\/table-12-net-incurred-claim-ratios-defined-as-net-incurred-claims-divided-by-net-earned-premium\/","title":{"rendered":"Table 12: Net Incurred Claim Ratios (defined as Net Incurred Claims divided by Net Earned 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 12<\/span>Net Incurred Claim Ratios (defined as Net Incurred Claims divided by Net Earned 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>                            76.5%                    <\/td>                    <td>                            76.6%                    <\/td>                    <td>                            74.2%                    <\/td>                    <td>                            84.4%                    <\/td>                    <td>                            82.4%                    <\/td>                    <td>                            90.5%                    <\/td>                    <td>                            78.1%\n                    <\/td>                    <td>                            67.1%                    <\/td>                    <td>                            65.1%                    <\/td>                    <td>                            58.0%                    <\/td>        <\/tr>        <tr>                    <td>                            Engg.                    <\/td>                    <td>                            73.4%                    <\/td>                    <td>                            45.1%                    <\/td>                    <td>                            68.7%                    <\/td>                    <td>                            63.3%                    <\/td>                    <td>                            39.3%                    <\/td>                    <td>                            53.4%                    <\/td>                    <td>                            79.6%\n                    <\/td>                    <td>                            85.7%                    <\/td>                    <td>                            38.7%                    <\/td>                    <td>                            48.3%                    <\/td>        <\/tr>        <tr>                    <td>                            Marine Cargo                    <\/td>                    <td>                            66.2%                    <\/td>                    <td>                            65.0%                    <\/td>                    <td>                            73.0%                    <\/td>                    <td>                            68.2%                    <\/td>                    <td>                            58.3%                    <\/td>                    <td>                            77.2%                    <\/td>                    <td>                            68.3%\n                    <\/td>                    <td>                            69.3%                    <\/td>                    <td>                            82.2%                    <\/td>                    <td>                            76.9%                    <\/td>        <\/tr>        <tr>                    <td>                            Marine Hull                    <\/td>                    <td>                            47.4%                    <\/td>                    <td>                            81.5%                    <\/td>                    <td>                            67.0%                    <\/td>                    <td>                            125.3%                    <\/td>                    <td>                            144.5%                    <\/td>                    <td>                            152.3%                    <\/td>                    <td>                            96.6%\n                    <\/td>                    <td>                            103.4%                    <\/td>                    <td>                            102.3%                    <\/td>                    <td>                            61.1%                    <\/td>        <\/tr>        <tr>                    <td>                            Motor OD                    <\/td>                    <td>                            56.6%                    <\/td>                    <td>                            60.8%                    <\/td>                    <td>                            70.3%                    <\/td>                    <td>                            72.5%                    <\/td>                    <td>                            67.0%                    <\/td>                    <td>                            72.9%                    <\/td>                    <td>                            78.0%\n                    <\/td>                    <td>                            69.8%                    <\/td>                    <td>                            80.3%                    <\/td>                    <td>                            88.7%                    <\/td>        <\/tr>        <tr>                    <td>                            Motor TP                    <\/td>                    <td>                            110.4%                    <\/td>                    <td>                            96.8%                    <\/td>                    <td>                            93.0%                    <\/td>                    <td>                            103.6%                    <\/td>                    <td>                            98.0%                    <\/td>                    <td>                            104.2%                    <\/td>                    <td>                            90.6%\n                    <\/td>                    <td>                            77.8%                    <\/td>                    <td>                            81.9%                    <\/td>                    <td>                            81.9%                    <\/td>        <\/tr>        <tr>                    <td>                            Aviation                    <\/td>                    <td>                            153.0%                    <\/td>                    <td>                            120.8%                    <\/td>                    <td>                            133.9%                    <\/td>                    <td>                            116.9%                    <\/td>                    <td>                            178.8%                    <\/td>                    <td>                            183.9%                    <\/td>                    <td>                            113.1%\n                    <\/td>                    <td>                            125.2%                    <\/td>                    <td>                            60.4%                    <\/td>                    <td>                            79.1%                    <\/td>        <\/tr>        <tr>                    <td>                            Health                    <\/td>                    <td>                            97.0%                    <\/td>                    <td>                            100.7%                    <\/td>                    <td>                            101.9%                    <\/td>                    <td>                            103.9%                    <\/td>                    <td>                            93.6%                    <\/td>                    <td>                            90.5%                    <\/td>                    <td>                            87.7%\n                    <\/td>                    <td>                            93.9%                    <\/td>                    <td>                            109.1%                    <\/td>                    <td>                            89.3%                    <\/td>        <\/tr>        <tr>                    <td>                            Personal accident                    <\/td>                    <td>                            61.8%                    <\/td>                    <td>                            58.6%                    <\/td>                    <td>                            62.3%                    <\/td>                    <td>                            65.2%                    <\/td>                    <td>                            78.2%                    <\/td>                    <td>                            77.5%                    <\/td>                    <td>                            67.1%\n                    <\/td>                    <td>                            52.2%                    <\/td>                    <td>                            62.1%                    <\/td>                    <td>                            62.6%                    <\/td>        <\/tr>        <tr>                    <td>                            Liability                    <\/td>                    <td>                            30.2%                    <\/td>                    <td>                            31.4%                    <\/td>                    <td>                            40.1%                    <\/td>                    <td>                            32.3%                    <\/td>                    <td>                            35.9%                    <\/td>                    <td>                            38.7%                    <\/td>                    <td>                            51.0%\n                    <\/td>                    <td>                            49.6%                    <\/td>                    <td>                            37.0%                    <\/td>                    <td>                            46.7%                    <\/td>        <\/tr>        <tr>                    <td>                            Other Misc.                    <\/td>                    <td>                            80.1%                    <\/td>                    <td>                            86.1%                    <\/td>                    <td>                            82.9%                    <\/td>                    <td>                            93.7%                    <\/td>                    <td>                            87.4%                    <\/td>                    <td>                            91.2%                    <\/td>                    <td>                            100.1%\n                    <\/td>                    <td>                            85.6%                    <\/td>                    <td>                            78.2%                    <\/td>                    <td>                            79.1%                    <\/td>        <\/tr>        <tr>                    <td>                            TOTAL                    <\/td>                    <td>                            81.9%                    <\/td>                    <td>                            81.9%                    <\/td>                    <td>                            85.0%                    <\/td>                    <td>                            90.9%                    <\/td>                    <td>                            85.3%                    <\/td>                    <td>                            89.2%                    <\/td>                    <td>                            85.9%                    <\/td>                    <td>                            81.06%                    <\/td>                    <td>                            89.0%                    <\/td>                    <td>                            83.1%                    <\/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>                            76.5%                    <\/td>                    <td>                            76.6%                    <\/td>                    <td>                            74.2%                    <\/td>                    <td>                            84.4%                    <\/td>                    <td>                            82.4%                    <\/td>                    <td>                            90.5%                    <\/td>                    <td>                            78.1%\n                    <\/td>                    <td>                            67.1%                    <\/td>                    <td>                            65.1%                    <\/td>                    <td>                            58.0%                    <\/td>        <\/tr>        <tr>                    <td>                            Engg.                    <\/td>                    <td>                            73.4%                    <\/td>                    <td>                            45.1%                    <\/td>                    <td>                            68.7%                    <\/td>                    <td>                            63.3%                    <\/td>                    <td>                            39.3%                    <\/td>                    <td>                            53.4%                    <\/td>                    <td>                            79.6%\n                    <\/td>                    <td>                            85.7%                    <\/td>                    <td>                            38.7%                    <\/td>                    <td>                            48.3%                    <\/td>        <\/tr>        <tr>                    <td>                            Marine Cargo                    <\/td>                    <td>                            66.2%                    <\/td>                    <td>                            65.0%                    <\/td>                    <td>                            73.0%                    <\/td>                    <td>                            68.2%                    <\/td>                    <td>                            58.3%                    <\/td>                    <td>                            77.2%                    <\/td>                    <td>                            68.3%\n                    <\/td>                    <td>                            69.3%                    <\/td>                    <td>                            82.2%                    <\/td>                    <td>                            76.9%                    <\/td>        <\/tr>        <tr>                    <td>                            Marine Hull                    <\/td>                    <td>                            47.4%                    <\/td>                    <td>                            81.5%                    <\/td>                    <td>                            67.0%                    <\/td>                    <td>                            125.3%                    <\/td>                    <td>                            144.5%                    <\/td>                    <td>                            152.3%                    <\/td>                    <td>                            96.6%\n                    <\/td>                    <td>                            103.4%                    <\/td>                    <td>                            102.3%                    <\/td>                    <td>                            61.1%                    <\/td>        <\/tr>        <tr>                    <td>                            Motor OD                    <\/td>                    <td>                            56.6%                    <\/td>                    <td>                            60.8%                    <\/td>                    <td>                            70.3%                    <\/td>                    <td>                            72.5%                    <\/td>                    <td>                            67.0%                    <\/td>                    <td>                            72.9%                    <\/td>                    <td>                            78.0%\n                    <\/td>                    <td>                            69.8%                    <\/td>                    <td>                            80.3%                    <\/td>                    <td>                            88.7%                    <\/td>        <\/tr>        <tr>                    <td>                            Motor TP                    <\/td>                    <td>                            110.4%                    <\/td>                    <td>                            96.8%                    <\/td>                    <td>                            93.0%                    <\/td>                    <td>                            103.6%                    <\/td>                    <td>                            98.0%                    <\/td>                    <td>                            104.2%                    <\/td>                    <td>                            90.6%\n                    <\/td>                    <td>                            77.8%                    <\/td>                    <td>                            81.9%                    <\/td>                    <td>                            81.9%                    <\/td>        <\/tr>        <tr>                    <td>                            Aviation                    <\/td>                    <td>                            153.0%                    <\/td>                    <td>                            120.8%                    <\/td>                    <td>                            133.9%                    <\/td>                    <td>                            116.9%                    <\/td>                    <td>                            178.8%                    <\/td>                    <td>                            183.9%                    <\/td>                    <td>                            113.1%\n                    <\/td>                    <td>                            125.2%                    <\/td>                    <td>                            60.4%                    <\/td>                    <td>                            79.1%                    <\/td>        <\/tr>        <tr>                    <td>                            Health                    <\/td>                    <td>                            100.8%                    <\/td>                    <td>                            105.9%                    <\/td>                    <td>                            108.9%                    <\/td>                    <td>                            112.6%                    <\/td>                    <td>                            101.5%                    <\/td>                    <td>                            98.3%                    <\/td>                    <td>                            94.6%\n                    <\/td>                    <td>                            97.7%                    <\/td>                    <td>                            119.0%                    <\/td>                    <td>                            99.2%                    <\/td>        <\/tr>        <tr>                    <td>                            Personal accident                    <\/td>                    <td>                            62.7%                    <\/td>                    <td>                            59.5%                    <\/td>                    <td>                            64.3%                    <\/td>                    <td>                            68.5%                    <\/td>                    <td>                            79.0%                    <\/td>                    <td>                            83.3%                    <\/td>                    <td>                            72.2%\n                    <\/td>                    <td>                            55.7%                    <\/td>                    <td>                            67.2%                    <\/td>                    <td>                            68.6%                    <\/td>        <\/tr>        <tr>                    <td>                            Liability                    <\/td>                    <td>                            30.2%                    <\/td>                    <td>                            31.4%                    <\/td>                    <td>                            40.1%                    <\/td>                    <td>                            32.3%                    <\/td>                    <td>                            35.9%                    <\/td>                    <td>                            38.7%                    <\/td>                    <td>                            51.0%\n                    <\/td>                    <td>                            49.6%                    <\/td>                    <td>                            37.0%                    <\/td>                    <td>                            46.7%                    <\/td>        <\/tr>        <tr>                    <td>                            Other Misc.                    <\/td>                    <td>                            66.2%                    <\/td>                    <td>                            66.8%                    <\/td>                    <td>                            67.2%                    <\/td>                    <td>                            80.0%                    <\/td>                    <td>                            78.6%                    <\/td>                    <td>                            86.4%                    <\/td>                    <td>                            95.1%\n                    <\/td>                    <td>                            78.7%                    <\/td>                    <td>                            66.2%                    <\/td>                    <td>                            84.0%                    <\/td>        <\/tr>        <tr>                    <td>                            TOTAL                    <\/td>                    <td>                            81.7%                    <\/td>                    <td>                            81.4%                    <\/td>                    <td>                            85.5%                    <\/td>                    <td>                            91.7%                    <\/td>                    <td>                            86.1%                    <\/td>                    <td>                            90.9%                    <\/td>                    <td>                            87.1%\n                    <\/td>                    <td>                            70.9%                    <\/td>                    <td>                            89.9%                    <\/td>                    <td>                            86.5%                    <\/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>                            65.2%                    <\/td>                    <td>                            63.0%                    <\/td>                    <td>                            59.4%                    <\/td>                    <td>                            58.0%                    <\/td>                    <td>                            59.3%                    <\/td>                    <td>                            62.6%                    <\/td>                    <td>                            66.0%\n                    <\/td>                    <td>                            78.2%                    <\/td>                    <td>                            81.2%                    <\/td>                    <td>                            63.1%                    <\/td>        <\/tr>        <tr>                    <td>                            Personal accident                    <\/td>                    <td>                            25.0%                    <\/td>                    <td>                            31.3%                    <\/td>                    <td>                            26.8%                    <\/td>                    <td>                            22.5%                    <\/td>                    <td>                            69.2%                    <\/td>                    <td>                            26.4%                    <\/td>                    <td>                            26.4%\n                    <\/td>                    <td>                            21.4%                    <\/td>                    <td>                            23.9%                    <\/td>                    <td>                            24.1%                    <\/td>        <\/tr>        <tr>                    <td>                            Other Misc.                    <\/td>                    <td>                            41.9%                    <\/td>                    <td>                            39.8%                    <\/td>                    <td>                            49.6%                    <\/td>                    <td>                            -                    <\/td>                    <td>                            36.1%                    <\/td>                    <td>                            -                    <\/td>                    <td>                            -                    <\/td>                    <td>                            -                    <\/td>                    <td>                            -                    <\/td>                    <td>                            -                    <\/td>        <\/tr>        <tr>                    <td>                            TOTAL                    <\/td>                    <td>                            64.2%                    <\/td>                    <td>                            62.2%                    <\/td>                    <td>                            58.2%                    <\/td>                    <td>                            56.5%                    <\/td>                    <td>                            59.6%                    <\/td>                    <td>                            60.7%                    <\/td>                    <td>                            64.1%\n                    <\/td>                    <td>                            75.4%                    <\/td>                    <td>                            79.1%                    <\/td>                    <td>                            61.4%                    <\/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>                            96.7%                    <\/td>                    <td>                            110.7%                    <\/td>                    <td>                            100.5%                    <\/td>                    <td>                            120.2%                    <\/td>                    <td>                            112.9%                    <\/td>                    <td>                            106.3%                    <\/td>                    <td>                            115.4%\n                    <\/td>                    <td>                            94.0%                    <\/td>                    <td>                            92.5%                    <\/td>                    <td>                            73.7%                    <\/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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