Facts & Figures

2.1

million

policyholders

6.3

billion CHF

in benefits

6.7

billion CHF

in premium income

3361

employees

98.6

%

combined ratio

436

million CHF

profit for the period

2019

2018

Income statement

Premiums earned

6,743,233

6,500,592

Insurance benefits

–6,340,004

–6,194,830

Operating expenses

–696,692

–655,482

Profit/loss for the period

435,977

54,065

In % of premiums earned

Equity

40.9%

35.7%

Insurance cost (loss ratio)

88.2%

87.2%

Operating cost (cost ratio)

10.3%

10.1%

Combined ratio (sum of loss and expense ratios)

98.6%

97.3%