Unverified50% confidenceFactExact time
损失率（Loss Ratio）计算公式为赔付金额÷保费收入×100%，行业通常认为60%-70%区间属于健康水平
1
Sources
50%
Confidence
Long-term
Relevance
7/12/2026
First Seen
Sources
51% of USAA Home Insurance Claims Pay Nothing: The Industry Truth Behind Insurance Claims
hackernewshackernews7/11/2026
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