Net premiums earned in Europe 2022, by country

In 2022, Germany and France were the largest European insurance markets by net premiums earned. In that year, France had net premiums of over 120 billion euros for non-life and approximately 160 billion euros for life insurance. As insurance premiums are paid in advance, insurance companies record both written premiums unearned and premiums earned. A premium is not earned and deemed as profit until the insurance company has fulfilled its obligation of insuring a policy over a given period of time.

于2022年，德国与法国在欧洲保险市场中以净保费收入量度，占据领先地位。在该年度，法国的非人寿保险净保费超过1200亿欧元，而人寿保险则高达1600亿欧元。鉴于保险保费系预付性质，保险公司需同时记录已写明但尚未实现的保费以及已实现的保费。直至保险公司履行了在特定时期内为保单提供保险义务，保费方可被视为已实现并计算为利润。