Loss ratio improvement measures
First written in FY2017-Q1. 23 of 37 entries say "Worsened", first in FY2018-Q1. Latest entry: 2026-08-07.
No other company in this theme has enough history to compare yet.
- FY2026WorsenedAnnual report
「The E/I loss ratio rose 1.6 points year on year to 62.2% due to longer average pet lifespans, advances in veterinary medicine and persistently high veterinary fees resulting from inflation.」
The E/I loss ratio rose to 62.2%, driven by longer average lifespans, advances in veterinary medicine and persistently high veterinary fees resulting from inflation. - FY2026-H1WorsenedAnnual report
「The E/I loss ratio rose 1.2 points year on year to 62.6% due to longer average pet lifespans, advances in veterinary medicine and persistently high veterinary fees resulting from inflation.」
The E/I loss ratio rose to 62.6%, driven by longer average lifespans, advances in veterinary medicine and persistently high veterinary fees resulting from inflation. - FY2025WorsenedAnnual report
「The E/I loss ratio rose 0.7 point year on year to 60.6% due to longer average pet lifespans, advances in veterinary medicine and persistently high veterinary fees resulting from inflation.」
The E/I loss ratio rose due to longer average lifespans, advances in veterinary medicine and persistently high veterinary fees resulting from inflation. - FY2025-H1WorsenedAnnual report
「Although the effects of changes in owner behavior resulting from the novel coronavirus pandemic had largely run their course and were beginning to stabilize, the E/I loss ratio rose 0.8 point year on year to 61.4%.」
While changes in owner behavior had begun to stabilize, the E/I loss ratio stood at 61.4%, up 0.8 point year on year. - FY2024-Q3WorsenedAnnual report
「In addition, although the effects of changes in owner behavior resulting from the novel coronavirus pandemic had largely run their course and were beginning to stabilize, the E/I loss ratio rose 0.9 point year on year to 60.7%.」
While changes in owner behavior had begun to stabilize, the E/I loss ratio stood at 60.7%, up 0.9 point year on year. - FY2024-Q2WorsenedAnnual report
「Although the effects of changes in owner behavior resulting from the novel coronavirus pandemic had largely run their course and were beginning to stabilize, the E/I loss ratio rose 1.1 points year on year to 60.6%.」
While the effects of changes in owner behavior had largely run their course and were beginning to stabilize, the E/I loss ratio stood at 60.6%, up 1.1 points year on year. - FY2024-Q1WorsenedAnnual report
「Although the effects of changes in owner behavior resulting from the novel coronavirus pandemic had largely run their course and were beginning to stabilize, the E/I loss ratio rose 0.6 point year on year to 59.6%.」
While the effects of changes in owner behavior had begun to stabilize, the E/I loss ratio stood at 59.6%, up 0.6 point year on year. - FY2023WorsenedAnnual report
「The E/I loss ratio rose 0.8 point year on year to 58.9% due in part to persistently high visit frequencies and higher average claims amounts amid changes in behavior resulting from the COVID-19 pandemic.」
The E/I loss ratio stood at 58.9%, up 0.8 point year on year, against a backdrop of persistently high visit frequencies and higher average claims amounts. - FY2023-Q3WorsenedAnnual report
「Although the effects of changes in owner behavior resulting from the novel coronavirus pandemic had largely run their course and were beginning to stabilize, the E/I loss ratio rose 0.6 point year on year to 59.8%.」
While the effects of pandemic-related changes in owner behavior had largely run their course and were beginning to stabilize, the E/I loss ratio stood at 59.8%, up 0.6 point year on year. - FY2023-Q2WorsenedAnnual report
「In addition, although the effects of changes in owner behavior resulting from the novel coronavirus pandemic had largely run their course and were beginning to stabilize, the E/I loss ratio rose 0.1 point year on year to 59.5%.」
While the effects of pandemic-related changes in owner behavior had largely run their course and were beginning to stabilize, the E/I loss ratio stood at 59.5%, up 0.1 point year on year. - FY2023-Q1AdvancedAnnual report
「The E/I loss ratio improved 0.2 point year on year to 59.0% as the effects of changes in owner behavior resulting from the novel coronavirus pandemic had largely run their course and were beginning to stabilize.」
The E/I loss ratio stood at 59.0%, an improvement of 0.2 point year on year. This was attributable in part to the effects of pandemic-related changes in owner behavior having largely run their course and beginning to stabilize. - FY2022-Q3AdvancedAnnual report
「In addition, the E/I loss ratio improved 0.1 point year on year to 59.2% as the effects of the novel coronavirus pandemic continued to diminish.」
The E/I loss ratio stood at 59.2%, an improvement of 0.1 point year on year. This was attributable in part to the diminishing effects of the novel coronavirus pandemic. - FY2022-Q2WorsenedAnnual report
「The E/I loss ratio rose 0.1 point year on year to 59.4% as visits to veterinary hospitals increased due in part to longer periods spent at home as a result of the novel coronavirus pandemic.」
Visits to veterinary hospitals increased due in part to longer periods spent at home as a result of the novel coronavirus pandemic, and the E/I loss ratio rose 0.1 point year on year to 59.4%. - FY2022-Q1WorsenedAnnual report
「The E/I loss ratio rose 0.5 point year on year to 59.2% as visits to veterinary hospitals increased due in part to longer periods spent at home as a result of the novel coronavirus pandemic.」
Visits to veterinary hospitals increased due in part to longer periods spent at home as a result of the novel coronavirus pandemic, and the E/I loss ratio rose 0.5 point year on year to 59.2%. - FY2021WorsenedAnnual report
「The E/I loss ratio rose 0.6 point year on year to 58.4% as visits to veterinary hospitals increased due in part to longer periods spent at home as a result of the novel coronavirus pandemic.」
The E/I loss ratio rose to 58.4%, driven by longer periods spent at home and increased visits to veterinary hospitals due to the novel coronavirus pandemic. - FY2021-Q3WorsenedAnnual report
「In addition, the E/I loss ratio (Note 1) rose 0.8 point year on year to 59.3% as visits to veterinary hospitals increased due in part to longer periods spent at home as a result of the novel coronavirus pandemic.」
Visits to veterinary hospitals increased due in part to longer periods spent at home as a result of the novel coronavirus pandemic, and the E/I loss ratio rose 0.8 point year on year to 59.3%. - FY2021-Q2WorsenedAnnual report
「The E/I loss ratio rose 0.2 point year on year to 59.3% as visits to veterinary hospitals increased due in part to longer periods spent at home as a result of the novel coronavirus pandemic.」
Visits to veterinary hospitals increased due in part to longer periods spent at home as a result of the novel coronavirus pandemic, and the E/I loss ratio rose 0.2 point year on year to 59.3%. - FY2021-Q1AdvancedAnnual report
「The E/I loss ratio improved 0.1 point year on year to 58.7% due to an improved age portfolio resulting from an increase in new contracts and higher premium income following the product premium-rate revision implemented in December 2018.」
The E/I loss ratio improved 0.1 point year on year to 58.7%, driven by an improved age portfolio resulting from an increase in new contracts and product premium-rate revisions. - FY2020-Q3AdvancedAnnual report
「In addition, the E/I loss ratio (Note 1) improved 1.4 points year on year to 58.5% due to an improved product portfolio resulting from an increase in new contracts and the effects of premium-rate revisions following product revisions.」
The E/I loss ratio improved 1.4 points year on year to 58.5% due to the effects of an improved product portfolio resulting from an increase in new contracts, product revisions and premium-rate revisions. - FY2020-Q2AdvancedAnnual report
「In addition, the E/I loss ratio (Note 1) improved 0.3 point year on year to 59.1% due to an improved product portfolio resulting from an increase in new contracts and the effects of premium-rate revisions following product revisions.」
The E/I loss ratio improved 0.3 point year on year to 59.1% due to the effects of an improved product portfolio resulting from an increase in new contracts, product revisions and premium-rate revisions. - FY2020-Q1AdvancedAnnual report
「In addition, the E/I loss ratio (Note 1) improved 0.3 point year on year to 58.8% due to an improved product portfolio resulting from an increase in new contracts and the effects of premium-rate revisions following product revisions.」
The E/I loss ratio improved 0.3 point year on year to 58.8% due to the effects of an improved product portfolio resulting from an increase in new contracts, product revisions and premium-rate revisions. - FY2019AdvancedAnnual report
「In addition, the E/I loss ratio improved 0.2 point year on year to 59.0% as the improvement in the product portfolio resulting from an increase in new contracts progressed steadily. The expense ratio based on earned premiums improved 0.7 point year on year to 34.5%, due to partial cost reductions and other factors while the company continued to invest in expanding its scale.」
The E/I loss ratio and expense ratio improved to 59.0% and 34.5%, respectively, due to an improved product portfolio resulting from an increase in new contracts and partial cost reductions. - FY2019-Q3AdvancedAnnual report
「In addition, the E/I loss ratio (Note 1) improved 0.3 point year on year to 59.9% due to an improved product portfolio resulting from an increase in new contracts and the effects of premium-rate revisions for older age clusters.」
The E/I loss ratio improved 0.3 point year on year to 59.9%, driven by an improved product portfolio resulting from an increase in new contracts and premium-rate revisions for older age clusters. - FY2019-Q2AdvancedAnnual report
「In addition, the E/I loss ratio (Note 1) improved 1.4 points year on year to 59.4% due to an improved product portfolio resulting from an increase in new contracts and the effects of premium-rate revisions for older age clusters.」
The E/I loss ratio improved 1.4 points year on year to 59.4% due to an improved product portfolio resulting from an increase in new contracts and premium-rate revisions for older age clusters. - FY2019-Q1AdvancedAnnual report
「In addition, the E/I loss ratio (Note 1) improved 1.2 points year on year to 59.1% due to an improved product portfolio resulting from an increase in new contracts and the effects of premium-rate revisions for older age clusters.」
The E/I loss ratio improved 1.2 points year on year to 59.1%, driven by an improved product portfolio resulting from an increase in new contracts and premium-rate revisions for older age clusters. - FY2018WorsenedAnnual report
「The E/I loss ratio rose 0.3 point year on year to 59.2% due to increased claims payments associated with aging,」
The E/I loss ratio rose 0.3 point year on year to 59.2% against a backdrop of increased claims payments associated with aging. - FY2018-Q3WorsenedAnnual report
「In addition, the E/I loss ratio (Note 1) rose 0.1 point year on year to 60.2% due to increased claims payments associated with aging.」
The E/I loss ratio rose 0.1 point year on year, driven by increased claims payments associated with aging. - FY2018-Q2WorsenedAnnual report
「In addition, the E/I loss ratio (Note 1) rose 1.1 points year on year to 60.8% due to increased claims payments associated with aging.」
The E/I loss ratio rose 1.1 points year on year to 60.8% due to increased claims payments associated with aging. - FY2018-Q1WorsenedAnnual report
「The E/I loss ratio Note 1) also rose 0.9 percentage points year on year to 60.3% due to increased insurance claim payments associated with aging.」
Increased insurance claim payments associated with aging caused the E/I loss ratio to rise 0.9 percentage points year on year, indicating deterioration in the loss ratio improvement measure. - FY2017RaisedAnnual report
「The company will also seek to control the loss ratio at an appropriate level of around 50–60% over the medium term by optimizing insurance claim payments and expanding preventive initiatives related to lifestyle habits.」
In addition to continuing its loss ratio improvement measures, the company identified optimization of insurance claim payments and prevention as means of achieving a medium-term loss ratio target of around 50–60%. - FY2017-Q3RestatedAnnual report
「Meanwhile, regarding expenses, the effect of the loss ratio improvement measures became increasingly evident, bringing the E/I loss ratio to 60.1%, an improvement of 0.9 percentage points year on year.」
The company explained that the effects of the loss ratio improvement measures have continued, disclosing an E/I loss ratio of 60.1%, an improvement of 0.9 percentage points year on year. - FY2017-Q2RestatedAnnual report
「Meanwhile, regarding expenses, the effect of the loss ratio improvement measures became increasingly evident, bringing the E/I loss ratio to 59.7%, an improvement of 1.6 percentage points year on year.」
The company explained that the effects of the loss ratio improvement measures have continued, disclosing an E/I loss ratio of 59.7%, an improvement of 1.6 percentage points year on year. - FY2017-Q1First statedAnnual report
「Regarding expenses, the effect of the loss ratio improvement measures became increasingly evident, bringing the E/I loss ratio to 59.4%, an improvement of 2.7 percentage points year on year.」
The effects of the loss ratio improvement measures are reflected in an E/I loss ratio of 59.4%, an improvement of 2.7 percentage points year on year.