Incurred Claim Ratio (ICR) kaise calculate kiya jata hai? 🧮📊 Option: Net Claims Incurred ko Net Premiums Collected se divide karke, Net Premiums Collected ko Net Claims Incurred se divide karke, Net Premiums Collected mein se Net Claims Incurred minus karke, Net Claims Incurred ko Net Premiums Collected se multiply karke

Incurred Claim Ratio (ICR) insurance ki duniya ka ek bahut important number hai! 🏥💰 **ICR calculate karne ka formula:** ``` ICR = (Net Claims Incurred) ÷ (Net Premiums Collected) ``` **Iska matlab kya hota hai?** * Ye batata hai ki collected premium ka kitna% claims pay karne mein use hua * Usually % mein express kiya jata hai **Kyu important hai?** 1. Insurance company ki health check karne ke liye perfect tool 🩺 2. Agar ICR bahut high hai, to company ko loss ho sakta hai 3. Agar bahut low hai, to shayad company zyada strict hai claims approve karne mein **Yaad rakhne layak:** Accha ICR balance dikhata hai - na bahut zyada, na bahut kam! **Pro Tip:** Kisi insurance policy ko choose karte waqt, company ka ICR zaroor check karo. Ye unki claim settlement efficiency batata hai!

Arre bhai, ICR yani **Incurred Claim Ratio** insurance companies ki health check karne ka ek zabardast tarika hai! 💉📊 **Ye kya hota hai?** - Ye ratio batata hai ki insurance company ne kitne claims pay kiye compared to earned premiums - Basically, ye company ki efficiency dikhata hai claims manage karne mein **Kyu important hai?** - Insurance company ki profitability aur financial health ka indicator hai - Higher ICR = Zyada claims settle kiye gaye, kam profit 📉 - Lower ICR = Kam claims, zyada profit 📈 **Yaad rakhne wali baatein:** - ICR = Insurance company ka report card 📝 - Claims vs Premiums ka comparison 🆚 - Company ki financial health ka thermometer 🌡️ Par yaad rakhna, sirf ICR dekh kar decision mat lena. Poori picture dekhni zaroori hai! 😉

**Insurance Combined Ratio (ICR)** insurance industry ka ek bahut important metric hai. Ye insurer ke operations ki efficiency measure karta hai. ICR ke baare mein kuch zaroori baatein: - Ye incurred losses aur expenses ka earned premiums se ratio hota hai - **Kam ICR** ka matlab hai better financial health aur profitability - **Healthy ICR range 70% se 90% ke beech** hoti hai Ab samjhte hain ki ye range kyun important hai: - **70% se neeche:** Iska matlab ho sakta hai ki insurer apni policies ka price bahut zyada rakh raha hai, jisse market share kam ho sakta hai - **90% se upar:** Iska matlab hai ki insurer claims aur expenses mein premiums se zyada pay kar raha hai, jo long run mein sustainable nahi hai **Yaad rakhne waali baatein:** Insurance Combined Ratio, ICR, insurance company profitability, financial health, insurance metrics, earned premiums, incurred losses, operating expenses. Toh agar aap kisi insurance company mein invest karna chahte hain, toh uska ICR zaroor check kijiye! 70-90% range mein ho toh samajh lijiye company fit hai! 💪📊

Agar kisi insurance company ka **Incurred Claims Ratio (ICR)** 50% se bhi kam hai, to ye ishara hai ki: - Company ke **policies mein bahut saare exclusions** ho sakte hain - Ye policies **mehengi** ho sakti hain ICR ka matlab hota hai kitne claims pay kiye gaye compare to collected premiums. Kam ICR ka matlab: - Company zyada premium le rahi hai - Par bahut kam claims pay kar rahi hai Iska reason ho sakta hai ki policies mein bahut saare **exclusions** hain, jo company ki liability kam karte hain. Isliye, aisi policies se bachkar rahein, warna aapka paisa barbad ho sakta hai! 💸😱

Insurance mein 'deductible' wo amount hai jo aapko apni jeb se nikalna padta hai, claim milne se pehle. Ye ek tarah ka 'entry fee' hai insurance claim ki duniya mein! 🎟️ Kuch important points: - Har claim pe apply hota hai - Jitna zyada deductible, utna kam premium (lekin claim time pe zyada dena padega) - Chote-mote claims se bachata hai Ek example: Agar aapki car ka ₹20,000 ka nukhsan ho gaya, aur aapka deductible ₹5,000 hai, to aap pehle ₹5,000 doge, phir insurance company baki ₹15,000 cover karegi. Yaad rakhna, deductible choose karte waqt soch-samajh kar decision lena. Kam deductible = Zyada premium, par claim time pe kam tension! 😌 Zyada deductible = Kam premium, par claim time pe jeb dheeli karne ki taiyari! 💸

Bhai, high persistency ratio insurance company ke liye jackpot jaisa hai! 🎰💰 **Persistency ratio** kya hai? - Ye batata hai kitne percent customers apni policies renew karte hain - High ratio = khush customers 😊 Iska fayda kya hai? 1. **Paisa Hi Paisa**: Agar customers policies renew karte rahenge, to company ko regular income milti rahegi 💵💵💵 2. **Paisa Bachao**: Naye customers dhoondhne se achcha hai purane customers ko khush rakhna. Sasta padta hai! 💰🤝 3. **Brand Value Badhao**: Jab log sunte hain ki zyada log policies renew kar rahe hain, to company ki izzat badhti hai 📈🌟 Toh samajh lo, high persistency ratio = Win-Win situation for everyone! 🏆🤝 Insurance companies isko apna super-important **KPI** (Key Performance Indicator) maanti hain. Toh agar kisi insurance company ka ye ratio high hai, to samajh lo ki wo company mast chal rahi hai! 😎👍