Answer / nanda s patil

it is in the general, marine,life insurance subject. it is
total of claims paid by general insurance plus losss
adjustments divided by premium earned.also called loss ratio

Answer / neha

The ratio of the cost of claims to the corresponding
premiums, either gross or net of reinsurance. The claim
ratio could, for example, be:

* the ratio of the incurred claims cost to the written
premium for a given underwriting year

* the ratio of the estimated ultimate claims cost to the
estimated ultimate premium for a given underwriting year

* the ratio of the incurred claims cost to the earned
premium for a given accounting year or year of exposure; or

* the ratio of the estimated ultimate claims cost to the
earned premium for a given accounting year or year of exposure

In the latter two examples the numerator could also include
the estimated change in the cost of claims that occurred in
earlier years. Similarly, the denominator could include
changes in earned premium in respect of earlier years.

Claim ratios may relate to periods other than a year.

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