{"id":245,"date":"2020-09-25T06:45:45","date_gmt":"2020-09-25T06:45:45","guid":{"rendered":"http:\/\/blog.insurancesamadhan.com\/?p=245"},"modified":"2022-02-18T10:33:48","modified_gmt":"2022-02-18T05:03:48","slug":"what-is-solvency-ratio","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/what-is-solvency-ratio\/","title":{"rendered":"Solvency Ratio \u2013 Another way taken by IRDA to protect the interest of Policy Holders"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/what-is-solvency-ratio\/#What_is_Solvency_Ratio\" >What is Solvency Ratio?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/what-is-solvency-ratio\/#Types_of_Solvency_Ratios\" >Types of Solvency Ratios:<\/a><\/li><\/ul><\/nav><\/div>\n\r\n<p>In InsuranceSamadhan.com\u2019s A-Z Blog series on Insurance topics, we try to provide all vital information related to the Insurance sector and demystify certain myths related to the sector. In today&#8217;s blog, we are sharing detailed information regarding \u2013 Solvency Ratio \u2013 and everything that one needs to know.<\/p>\r\n\r\n\r\n\r\n<p>We had been writing blogs on steps taken by IRDA to protect interest of Policy Holders. Besides all measures mentioned. IRDA also keeps any eye on Insurer by regular inspection of company solvency i.e their ability to pay claims or meet liabilities.<\/p>\r\n\r\n\r\n<center><a href=\"https:\/\/www.insurancesamadhan.com\/register\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/www.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Get Resolutions for Insurance Complaints\" \/><\/a><\/center>\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_Solvency_Ratio\"><\/span>What is Solvency Ratio?<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<p>In simple terms, solvency indicates the ratio between company assets and liabilities. At any given time assets held by insurer should be 1.5 times of liabilities. IRDA takes a report on quarterly basis and check the ratio. In case the ratio goes below 1.5, then IRDA reviews the situation with Insurer and corrective action is taken. It works in the same way as RBI manages all regulated banks who has to maintain solvency by maintaining SLR and CRR.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"types-of-solvency-ratios-\"><span class=\"ez-toc-section\" id=\"Types_of_Solvency_Ratios\"><\/span>Types of Solvency Ratios:<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<p>There are 3 types of solvency ratios as mentioned below:<\/p>\r\n\r\n\r\n\r\n<ol class=\"wp-block-list\"><li>Debt-to-equity ratios<\/li><li>Total-debt-to-total-asset ratios<\/li><li>Interest-coverage ratios<\/li><\/ol>\r\n\r\n\r\n\r\n<p>All insurers in Life. Health and General Insurance maintain solvency margin and submit a quarterly report to IRDA.<\/p>\r\n\r\n\r\n\r\n<p>Solvency margin is a key indicator and is impacted by the following:<\/p>\r\n\r\n\r\n\r\n<ol class=\"wp-block-list\"><li>Commercial papers safety though IRDA strictly regulates that investments should be done only in Debt securities.<\/li><li>Unexpected claim like in case of natural calamity or current pandemic. IRDA becomes extra vigilant and checks solvency.<\/li><li><strong>Reinsurance contracts:<\/strong>&nbsp;IRDA also check the reinsurance contract so that claim liability ae ascertained.<\/li><li><strong>Book of risks:<\/strong>&nbsp;Total risk taken by insurer<\/li><\/ol>\r\n\r\n\r\n\r\n<p>In case of any variations. IRDA play an advisory role to ensure solvency is restored. So policy holders can be assured that all Insurers are maintaining their solvency as per desired standards. In last 5 years. There had been two instances where IRDA had to take action due to Solvency ratio.<\/p>\r\n\r\n\r\n\r\n<p>Sahara life had crisis and could not maintain Solvency ratio. they were stopped to do any new business for over 12 months and later company was taken over by ICICI Pru. There had also been example of Reliance Health who was barred to take new business<\/p>\r\n\r\n\r\n\r\n<p>In case of any observed discrepancy. IRDA first give a warning notice to the insurer under section 52 B. IRDA give a chance \u00a0to the Insurer for recovery of solvency ratio else IRDA takes corrective action.<\/p>\r\n\r\n\r\n<center><a href=\"https:\/\/www.insurancesamadhan.com\/register\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/www.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Get Resolutions for Insurance Complaints\" \/><\/a><\/center>\r\n\r\n\r\n<p>So all these processes ensures that public money is well protected.<\/p>\r\n\r\n\r\n\r\n<p>Insurance Samadhan has provided resolutions in over 13500 cases related to insurance grievances in last 20 months and aims to build a grievance free eco system for the growth of Insurance Business.<\/p>\r\n\r\n\r\n\r\n<p>To reach us at InsuranceSamadhan.com \u2013<\/p>\r\n\r\n\r\n\r\n<p>Call us at \u2013 844 844 0626<\/p>\r\n\r\n\r\n\r\n<p>Mail us at \u2013&nbsp;<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\r\n\r\n\r\n<center><a href=\"https:\/\/www.insurancesamadhan.com\/register\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/www.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Get Resolutions for Insurance Complaints\" \/><\/a><\/center>","protected":false},"excerpt":{"rendered":"<p>In InsuranceSamadhan.com\u2019s A-Z Blog series on Insurance topics, we try to provide all vital information related to the Insurance sector and demystify certain myths related to the sector. In today&#8217;s blog, we are sharing detailed information regarding \u2013 Solvency Ratio&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/what-is-solvency-ratio\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":246,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-245","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is Solvency Ratio, Types, Examples and What Do They Measure?<\/title>\n<meta name=\"description\" content=\"Know all about Solvency Ratio in Insurance, their types, examples and what do they measure at Insurance Samadhan. Solvency Ratio is another way taken by IRDA to protect the interest of Policy Holders.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.insurancesamadhan.com\/blog\/what-is-solvency-ratio\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is Solvency Ratio, Types, Examples and What Do They Measure?\" \/>\n<meta property=\"og:description\" content=\"Know all about Solvency Ratio in Insurance, their types, examples and what do they measure at Insurance Samadhan. Solvency Ratio is another way taken by IRDA to protect the interest of Policy Holders.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.insurancesamadhan.com\/blog\/what-is-solvency-ratio\/\" \/>\n<meta property=\"og:site_name\" content=\"Insurance Samadhan\" \/>\n<meta property=\"article:published_time\" content=\"2020-09-25T06:45:45+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-02-18T05:03:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2020\/09\/solvency-margin.jpg?fit=1920%2C1080&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Shailesh Kumar\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Shailesh Kumar\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/what-is-solvency-ratio\/\",\"url\":\"https:\/\/www.insurancesamadhan.com\/blog\/what-is-solvency-ratio\/\",\"name\":\"What is Solvency Ratio, Types, Examples and What Do They Measure?\",\"isPartOf\":{\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/what-is-solvency-ratio\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/what-is-solvency-ratio\/#primaryimage\"},\"thumbnailUrl\":\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2020\/09\/solvency-margin.jpg\",\"datePublished\":\"2020-09-25T06:45:45+00:00\",\"dateModified\":\"2022-02-18T05:03:48+00:00\",\"author\":{\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/#\/schema\/person\/38d2f769aa9bdee462bd2b530c7a40b2\"},\"description\":\"Know all about Solvency Ratio in Insurance, their types, examples and what do they measure at Insurance Samadhan. 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In today&#8217;s blog, we are sharing detailed information regarding \u2013 Solvency Ratio&hellip; Continue Reading &rarr;","amp_enabled":true,"_links":{"self":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/245","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/comments?post=245"}],"version-history":[{"count":3,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/245\/revisions"}],"predecessor-version":[{"id":1211,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/245\/revisions\/1211"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/media\/246"}],"wp:attachment":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/media?parent=245"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/categories?post=245"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/tags?post=245"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}