What loss ratio means
How to read insurer payouts.
payouts ÷ premiums
base formula
low
not always bad
high
not always good
What it shows
Loss ratio is payouts divided by insurance premiums for a period. A 25% ratio means 25 UZS of payouts for every 100 UZS of premiums.
On BirBozor it is not a quality rating. It is a payout-behavior signal to read alongside speed, complaints, service, and portfolio size.
How to avoid misreading it
A low loss ratio can mean a disciplined book, but it can also mean few payouts. A high ratio can look good for customers now, but weak for insurer sustainability.
Compare companies within the same insurance type and period. OSGOVTS, health, and property insurance should not be compared directly without context.