Loss ratios for health insurance can range from 60% to 110%. Loss ratios for property & casualty insurance (e.g. automobile insurance, typically range from 40% to 60%. . Overly low loss ratios are seen as evidence that an insurance company is overcharging and making excess profits. It is collecting much more in premiums than it needs to cover claims. Overly high loss ratios are seen as evidence that an insurance company is in poor financial health. It is not collecting enough premiums to cover claims, pay expenses and make a reasonable profit.