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Combined ratio (annual)

The ratio of net claims incurred and operating expenses to net insurance revenue in primary insurance.

Unit Percent Industry Insurance

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Records
4
Regions
2
Period
2024–2025
Sources
1
Verification 4 verified data points Updated 15 Sep 2026 Last verified 15 Sep 2026 Next update Sources typically refresh annually

The chart

Across regions

2 regions on one axis, spaced by time. Below it, the latest value of every region, ranked. Forecasts are dashed with hollow markers; the underlying values are one click away under the chart.

Combined ratio (annual) by region

2 regions, 2024 to 2025

2 regions · 4 observations · 2024 to 2025
Combined ratio (annual) by regionCombined ratio (annual) by region. 2 regions on one axis: Global, Germany. 4 observations from 2024 to 2025, ranging from 88.6% to 91.9%. Latest values: Global 90% (2025); Germany 88.9% (2025). % 0 20 40 60 80 100 2024 2025 90% 89% Global Germany
Combined ratio (annual) by regionCombined ratio (annual) by region. 2 regions on one axis: Global, Germany. 4 observations from 2024 to 2025, ranging from 88.6% to 91.9%. Latest values: Global 90% (2025); Germany 88.9% (2025). % 0 30 60 90 120 2024 2025 90% 89% Global Germany
Combined ratio (annual) by regionCombined ratio (annual) by region. 2 regions on one axis: Global, Germany. 4 observations from 2024 to 2025, ranging from 88.6% to 91.9%. Latest values: Global 90% (2025); Germany 88.9% (2025). % 0 30 60 90 120 2024 2025 90% 89% Global Germany
View the underlying data
Combined ratio (annual) by region
Region Period Type Value
Global 2025 Actual 90%
Global 2024 Actual 91.9%
Germany 2025 Actual 88.9%
Germany 2024 Actual 88.6%
Source: Munich Re · CC BY 4.0 · statorigin.org
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Combined ratio (annual) by region

Latest value per region, 2025

2 entries · ranked
Combined ratio (annual) by regionCombined ratio (annual) by region. 2 categories, highest is Global at 90%. Germany Global 88.9% 90%
Combined ratio (annual) by regionCombined ratio (annual) by region. 2 categories, highest is Global at 90%. Germany Global 88.9% 90%
Combined ratio (annual) by regionCombined ratio (annual) by region. 2 categories, highest is Global at 90%. Germany Global 88.9% 90%
View the underlying data
Combined ratio (annual) by region
Category Source Type Value
Global Munich Re Actual 90%
Germany Munich Re Actual 88.9%
Source: Munich Re · CC BY 4.0 · statorigin.org
Embed

Free to embed, including commercially. The attribution bar is part of the chart; it is what keeps the data citable. 

<iframe src="https://statorigin.org/embed/insurance--combined-ratio-annual--by-region" width="100%" height="380" style="border:1px solid #e2e5e3;border-radius:8px" title="Combined ratio (annual) by region" loading="lazy"></iframe>
<p><a href="https://statorigin.org/indicators/combined-ratio-annual">Combined ratio (annual) by region</a> — data from StatOrigin, CC BY 4.0</p>
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Every record

All records

4 records · 2 regions · 2024–2025

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Combined ratio (annual): every record, grouped by region, newest first.
Period Value Source Type
Global 2 records
2025 90% Munich Re · 26 Feb 2026 actual
2024 91.9% Munich Re · 26 Feb 2026 actual
Germany 2 records
2025 88.9% Munich Re · 26 Feb 2026 actual
2024 88.6% Munich Re · 26 Feb 2026 actual

Primary documents

Sources

1 document. Each links to the publisher's own copy.

Document Publisher Published Data points
Munich Re surpasses profit guidance for a fifth consecutive year, achieving every target of its Ambition 2025 strategy programme Munich Re 26 Feb 2026 4

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Data on this page is published under CC BY 4.0. You may reuse it, including commercially, provided you attribute it. To cite one figure, open its record: each carries APA, MLA, Chicago and BibTeX forms that credit the original publisher.

StatOrigin. (2026). Combined ratio (annual). Retrieved from https://statorigin.org/indicators/combined-ratio-annual

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