[] () a way of measuring how successful an insurance company's business is by comparing the amount of money the company receives from its customers (premiums) with the amount it pays out in claims and expenses综合比率（衡量保险公司业绩表现的比率，即赔偿额加开支占保费收入的比率）◆Their combined ratio has improved from 140% to 105%.他们的综合比率有所改善，从 140% 下降到 105%。