Insurance Glossary

Insurance Term - Underwriting Expense Ratio

This represents the percentage of a company’s net premiums written that go towards underwriting expenses, such as commissions to agents and brokers, state and municipal taxes, salaries, employee benefits and other operating costs. The ratio is computed by dividing underwriting expenses by net premiums written. It should be noted that different lines of business have intrinsically differing expense ratios. For example, boiler and machinery insurance, which requires a corps of skilled inspectors, is a high expense ratio line. On the other hand, expense ratios are usually low on group health insurance.

Health Insurance Topics

• About Ombudsmen
• An Introduction - Indian General [Non-Life] Insurance Companies
• An Update on UK Health Insurance
• Apollo Munich Health Insurance Company Limited - Benefits, Easy Health Policies, Disease Specific Plans
• Awareness about Healthcare Insurance in India
• Bajaj Allianz Senior Citizens Health Insurance
• Bharti AXA Health Insurance Plans
• Cholamandalam (Chola MS) Health Insurance Policies - Key Features, Eligibility and Claim Benefits
• Comprehensive Health Insurance Scheme in Tamil Nadu - Eligibility, Procedure, Features, Benefits
• Critical Care Health Insurance Plan

• Customer Care in Health Insurance Industry
• Employee State Insurance Corporation (ESIC)
• Exide Life Critical Illness Rider Enhances Your Base Policy against Critical Illnesses
• Fraudulent Health Insurance Claims
• Future Generali Insurance-Group Health-Group Personal Accident-Accident Suraksha
• HDFC Ergo General Insurance - Health Suraksha, Critical Illness Insurance
• Health Insurance
• Health Insurance - Common Terms and Definitions
• Health Insurance Basics
• Health Insurance For Pre-Existing Conditions
• Health Insurance for Senior Citizens - Comparison Chart of Policies, Mediclaim Policy
• Health Insurance for Senior Citizens in India – General Guidelines
• Health Insurance in Europe
• Health Insurance in India - An Introduction
• Health Insurance In India - An Overview
• Health Insurance Plan
• Health Insurance Policies - Fine Prints
• Health Insurance Policies Offered by Bajaj Allianz Insurance
• Health Insurance Portability and Accountability Act [HIPAA]
• Health Insurance Portability Now a Reality
• Health Insurance: Learn About Third Party Administrators (TPA)
• Healthcare Plans from ICICI Lombard General Insurance Company
• Iffco-Tokio General Insurance Pvt Ltd - Medishield Policy, Personal Accident Policy, Swasthya Kavach, Critical Illness Policy
• Insurance Agent - Your Friend and Your Guide
• Insurance Concepts and IRDA [Insurance Regulatory and Development Authority]
• Key Procedures for Filing a Healthcare Insurance Claims
• Max Bupa Health Insurance Company Limited
• National Health Insurance Schemes
• National Health Policy - Policy Thrust
• National Insurance – Health insurance Policy for Senior Citizens

• National Insurance Company Ltd
• Oriental Insurance - Individual Mediclaim, Happy Family Floater, Personal Accident Policies
• Oriental Insurance - Senior Citizen Specified Diseases Insurance
• Overview on USA Healthcare Insurance
• Premium Calculation by Health Insurance Companies
• Raheja QBE General Insurance Pvt Ltd
• Reliance General Insurance - Health Gain Policy, Critical Illness Cover, Personal Accident Insurance Coverage
• Royal Sundaram General Insurance Company Limited
• Senior Citizen Health Insurance Plans in India | Health Insurance Plans for Senior Citizens in India
• Shriram General Insurance-Claims-Liability Policy-Personal Accident
• Star Health and Allied Insurance - Senior Citizens Red Carpet
• Star Health and Allied Insurance - Travel Corporate
• State Health Insurance Programs
• Student Health Insurance Options
• Tata AIG General Insurance Company Ltd
• The Mediclaim Policy: 2007
• The New India Assurance - Senior Citizens Mediclaim Policy
• TPA (Third Party Administrator) for Claims and Cashless Health Insurance
• United India Insurance Company - Senior Citizen Health insurance
• United India Insurance Company Limited - Mediclaim Accident Family
• Universal Sompo General Insurance Pvt Ltd
• What is Medicare / Medicaid? - Eligibility - Payment - Reference