ANALYSIS OF THE RATIO OF INSURANCE PREMIUMS TO CLAIMS: BASED ON PRACTICAL EXAMPLES
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Abstract
This study examines the ratio of insurance premiums to claims, a key indicator of financial performance and risk management efficiency in insurance companies. By analyzing practical examples from the insurance market, the research highlights the relationship between collected premiums and paid claims, identifying trends that impact profitability, solvency, and operational stability. The study also explores factors influencing the premiums-to-claims ratio, including risk assessment, underwriting practices, product diversification, and claim settlement efficiency. Findings suggest that maintaining an optimal balance between premiums and claims is essential for ensuring financial sustainability, enhancing competitiveness, and supporting long-term growth in the insurance sector.
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References
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