Non-life insurance ratios  
 
period

 
 
Motor TPL insurance
Short-term health insurance
Land vehicles insurance
Railway rolling stock, aircraft and ships iscurance
Goods in transit insurance
Property insurance (physical persons)
Property insurance (legal persons)
Motor vehicle liability insurance
Aircraft and liability insurance for ships
General liability insurance
Insurance for pecuniary loss
TOTAL
 
Loss ratio, gross*
81.1 %
71.4 %
67.2 %
57.3 %
32.9 %
39.1 %
34.4 %
50.9 %
35 %
21.3 %
29.2 %
59.7 %
 
Loss ratio, net**
84.9 %
71.7 %
67.7 %
114.6 %
31.1 %
39.2 %
28.7 %
48 %
35 %
31 %
44.7 %
61.8 %

* Loss ratio, gross : claims incurred, gross / earned premiums, gross.
** Loss ratio, net : claims incurred, net of reinsurance / earned premiums, net of reinsurance.