国际海上保险联盟（IUMI）：2024年全球海上保险报告（英文版）（55页）.pdf

1、Charting Opportunities in Changing Tides#IUMI2025Global MarineInsurance Report 2024Singapore,08/09/2025Veith Huesmann,Chief Analyst,IUMI#IUMI2025DisclaimerPremium and loss ratio figures reflect the state of reporting as of 2025-08 and include estimates for several countries.Data from previous years

2、may be adjusted retrospectively.Figures follow IUMI definitions(see here)but may vary across countries.For year-on-year comparisons,use the updated 2025 premium/loss ratio data.Comparing this years and last years presentations may be misleading due to retrospective adjustments.The focus is on market

3、 trends,not absolute figures,which are subject to reporting delays,revisions,and portfolio misclassifications.All information is for informational purposes only and non-binding.Marine market performance figures represent averages,not individual results.Some units may over-or underperform.IUMI aims t

4、o provide accurate information and promote fact-based risk evaluation.A critical assessment of both real and perceived data is encouraged.2#IUMI2025Key Insurance TerminologyPremiums Gross Premium:Includes pure premium,loading,commission,and brokerage,excluding taxes.Written Premium:Total premium due

5、 for policies starting in a specific year.Claims Paid Claims:Amounts paid for known claims minus recoveries.Outstanding Claims Reserve:Estimated amount for reported but unpaid claims.Total Claim:Paid amounts+outstanding claims reserve.IBNR(Incurred But Not Reported):Reserve for claims not yet report

6、ed.3Performance Metrics Loss Ratio:Claims divided by premiums.Gross Loss Ratio:(Total claims+IBNR)Gross written premiums.Accounting Bases Underwriting Year:Figures tied to policy start year.Accident Year:Figures tied to accident occurrence year.Accounting Year:Figures booked into the current open ye