Coinsurance and Deductible Trends by Market
This dataset provides detailed insights into insurance deductible and coinsurance selections, risk retention choices, and customer risk appetite across various markets and insurance lines. It enables granular analysis of affordability and risk trends by geography, segment, and year, supporting strategic pricing, product design, and market research for insurers and analysts.
Sample rows
preview · 8 of 600 rows · all 12 columns| record_idstring | risk_retention_typestring | coinsurance_percentagefloat | insurance_linestring | market_geographystring | policy_yearinteger | deductible_amountfloat | customer_segmentstring | average_premium_amountfloat | affordability_indexfloat | risk_appetite_scorefloat | record_datedate |
|---|---|---|---|---|---|---|---|---|---|---|---|
| REC0001 | deductible | 15 | health | New York, USA | 2020 | 1800 | individual | 650.75 | 70.2 | 33.5 | 2020-05-14 |
| REC0002 | self-insured retention | 92 | property | London, UK | 2085 | 8200 | enterprise | 98000 | 18.6 | 96.7 | 2085-08-21 |
| REC0003 | coinsurance | 34 | auto | Berlin, Germany | 2019 | 1450 | small business | 805 | 47.1 | 50.3 | 2019-03-11 |
| REC0004 | self-insured retention | 100 | life | Tokyo, Japan | 2100 | 0 | enterprise | 120000 | 5.2 | 99.2 | 2100-01-07 |
| REC0005 | deductible | 12 | other | Paris, France | 1972 | 100 | individual | 65 | 90.6 | 11.8 | 1972-07-15 |
| REC0006 | self-insured retention | 98 | property | Mumbai, India | 2054 | 4400 | enterprise | 73000 | 14.3 | 91 | 2054-11-22 |
| REC0007 | deductible | 9 | health | Los Angeles, USA | 2018 | 1130 | individual | 570 | 74.9 | 31.1 | 2018-04-04 |
| REC0008 | self-insured retention | 100 | life | Shanghai, China | 2092 | 0 | enterprise | 117500 | 7.3 | 98.5 | 2092-03-19 |
| REC0009 | coinsurance | 26 | auto | Toronto, Canada | 2024 | 1700 | small business | 1005 | 54.3 | 46.6 | 2024-06-23 |
| REC0010 | deductible | 45 | property | Sao Paulo, Brazil | 2012 | 3850 | enterprise | 23500 | 60.5 | 87.5 | 2012-10-10 |
| REC0011 | self-insured retention | 100 | auto | Johannesburg, South Africa | 2067 | 9500 | small business | 29500 | 23.9 | 89.2 | 2067-02-28 |
| REC0012 | coinsurance | 30 | auto | Stockholm, Sweden | 2022 | 1870 | small business | 995 | 44.8 | 56.1 | 2022-08-19 |
| REC0013 | self-insured retention | 99 | property | Dubai, UAE | 2059 | 20500 | enterprise | 115000 | 6.5 | 97.8 | 2059-09-15 |
| REC0014 | deductible | 19 | health | Sydney, Australia | 2023 | 2100 | individual | 765 | 71.5 | 35.7 | 2023-02-13 |
| REC0015 | deductible | 22 | life | Moscow, Russia | 1994 | 50 | other | 80 | 86.3 | 7.5 | 1994-07-05 |
| REC0016 | coinsurance | 14 | auto | Istanbul, Turkey | 2021 | 1200 | small business | 625 | 59.4 | 48.2 | 2021-10-23 |
| REC0017 | deductible | 38 | property | Singapore, Singapore | 1997 | 880 | enterprise | 6570 | 72.1 | 81.4 | 1997-05-18 |
| REC0018 | other | 18 | other | Madrid, Spain | 1963 | 110 | other | 60 | 97.9 | 5.1 | 1963-06-21 |
| REC0019 | self-insured retention | 99.5 | life | Cape Town, South Africa | 2100 | 0 | enterprise | 119500 | 2.7 | 100 | 2100-08-01 |
| REC0020 | deductible | 11 | health | Chicago, USA | 2016 | 1550 | individual | 740 | 69.3 | 36.9 | 2016-09-09 |
What the 600 rows show
from the 600-row sampleSelf-insured retention (risk retention type) stands out: mean coinsurance_
- 24.5median coinsurance_
percentage - 4customer segments
- 1,328median deductible_
amount - 792.6median average_
premium_ amount - 60.0median affordability_
index - 47.9median risk_
appetite_ score
Median 24.5, from 0.0 to 100.0.
- string 5
- integer 1
- float 5
- date 1
Columns
12 columns in three groups| column | type | description | example |
|---|---|---|---|
| Text 5 columns | |||
record_id | string | Unique identifier for each record in the datasetunique | REC0001 |
market_geography | string | Geographical region or market where the insurance product is offered (e.g., state, country, metropolitan area) | New York, USA |
insurance_line | string | Type of insurance line (e.g., health, auto, property, life)health · auto · property · life · other | health |
risk_retention_type | string | Type of risk retention chosen (e.g., deductible, coinsurance, self-insured retention)deductible · coinsurance · self-insured retention · other | deductible |
customer_segment | string | Customer segment or group (e.g., individual, small business, enterprise)individual · small business · enterprise · other · optional | individual |
| Numbers 6 columns | |||
policy_year | integer | Year the policy was issued or analyzed1,900 to 2,100 | 2020 |
deductible_amount | float | Deductible amount selected by the customer for the policy (in local currency)0 or more | 1800 |
coinsurance_percentage | float | Coinsurance percentage elected by the customer (portion of claim paid by the insured, e.g., 20 for 20%)0 to 100 | 15 |
average_premium_amount | float | Average premium amount paid by customers in this segment/market/line (in local currency)0 or more · optional | 650.75 |
affordability_index | float | Calculated index representing affordability for customers (higher means more affordable)0 or more · optional | 70.2 |
risk_appetite_score | float | Calculated score representing customer risk appetite (higher means greater willingness to retain risk)0 to 100 · optional | 33.5 |
| Dates and times 1 column | |||
record_date | date | Date the record was created or last updated | 2020-05-14 |
Use it for
An insurance dashboard
Coinsurance_
percentage by risk_ retention_ type and a breakdown of insurance_ line. Excel, Power BI or Tableau. Why do the 151 self-insured retention rows have a mean coinsurance_
percentage of 93.9? A root-cause class exercise
Hand out the rows and one question. The answer is in the data, not in the brief.
- Records600REC000115deductib…REC000292self-ins…REC000334coinsura…
A software demo
Believable records with market_
geography, insurance_ line and policy_ year to fill a screen in front of a buyer.
blueprint · coinsurance-and-deductible-trends-by-market
Behind this dataset
Same schema. As many rows as you need.
These 600 rows came out of a blueprint — 12 columns with generation rules behind each one. Open it in Data Factory to retune a column, add your own, wire in foreign keys, and run it at the size you actually need.
- Deductible amount distribution
- Coinsurance percentage elections (80%, 90%, 100%)
- Higher deductibles for lower premium
- Mandatory hurricane deductibles (percentage)
- Earthquake deductible ranges (10-25%)
- Commercial vs personal deductible preferences
- Aggregate deductibles for commercial
- Loss sensitive programs
1 credit per row. New accounts start with 25 free credits.
- Exports
- CSV, JSON, JSONL, Parquet, SQL, Excel, TSV, XML
- Licence
- yours to use, including commercially
- API slug
- coinsurance-and-deductible-trends-by-market