Loss Ratio
Premium collected vs claims paid · by product, cohort, and time
Updated 3 sec ago
Blended loss ratio · 90d
42.1%
↓ 3.2pp vs prior 90d
Healthy<55% healthy · 55–65% watch · >65% alert
Claim frequency · per 1K policies
8.4
↓ 1.2 vs prior 90d
Industry benchmark: 11.2
Average claim severity
Rp 1.84M
↑ 4.1% vs prior 90d
Drivers: device claims rising
Loss ratio trend · 12 months
Monthly bars · trailing 3-mo moving average
Monthly LR 3-mo MA
Hover any bar to see underlying premium and claims figures
Loss ratio by product
Last 90 days
| Product | Loss ratio | Frequency | Severity | Benefits paid (90d) | 12-wk trend |
|---|---|---|---|---|---|
| GoRide Safe | 38.4%HEALTHY | 6.2 | Rp 1.94M | Rp 4.2B | |
| GoSend Travel | 41.2%HEALTHY | 9.1 | Rp 0.84M | Rp 3.8B | |
| GoFood Auto-protect | 47.8%HEALTHY | 12.4 | Rp 0.31M | Rp 1.4B | |
| GoPay Device | 53.2%HEALTHY | 4.1 | Rp 6.84M | Rp 8.4B |
Top 5 highest-severity claims · last 7 days
Every percentage point has a story behind it
| Claim ID | Product | Customer | Amount | Date | Status |
|---|---|---|---|---|---|
| CLM-2026-481923 | GoPay Device | Bayu S. ••3421 | Rp 18.4M | 23 May | Paid |
| CLM-2026-481802 | GoRide Safe | Ratih W. ••8812 | Rp 14.2M | 23 May | Paid |
| CLM-2026-481743 | GoPay Device | Iwan P. ••1129 | Rp 12.8M | 22 May | Approved |
| CLM-2026-481611 | GoRide Safe | Dewi A. ••0042 | Rp 11.4M | 21 May | Paid |
| CLM-2026-481512 | GoPay Device | Hendra K. ••9981 | Rp 9.6M | 20 May | Investigating |