{
    "id": "INSURANCE-01",
    "category": "INSURANCE",
    "category_name": "保險股",
    "title": "產險綜合成本率與賠付率",
    "question": "產險綜合成本率與賠付率",
    "chart": "line",
    "metric": "產險綜合成本率與賠付率",
    "secondary": "折線",
    "x": "觀察期／樣本",
    "y": "示例數值",
    "panels": [
        "產險綜合成本率與賠付率",
        "折線",
        "資料明細"
    ],
    "filters": [
        "標的／市場",
        "分析區間",
        "基準／參數"
    ],
    "apis": [
        "FUND_STOCK"
    ],
    "calculation": "依公司定義計賠付率、費用率與綜合成本率。",
    "caveat": "標準 FUND 無已驗證 premiums／claims／combined ratio；壽險不套產險比率。",
    "inputs": "SUPPLEMENT.已賺保費\nSUPPLEMENT.賠付與理賠費用\nSUPPLEMENT.承保費用",
    "extra_inputs": "依左側必要欄位與限制核實",
    "data_class": "需補來源",
    "complexity": "先補資料",
    "rank": 1,
    "stage": "P0",
    "collection": "product",
    "source_urls": [
        "https://eodhd.com/financial-academy/financial-faq/fundamentals-glossary-common-stock"
    ],
    "requires_user_input": false,
    "requires_extra_plan": true,
    "cadence": "示例資料",
    "sample_labels": [
        "2019",
        "2020",
        "2021",
        "2022",
        "2023",
        "2024"
    ],
    "sample_annotation": {
        "sample": true,
        "as_of": "2026-10-16",
        "notice": "Charts and tables for this report are generated, deterministic synthetic sample observations for educational layout and unit demonstration only. No provider, market data or analysis engine is called, and nothing here is a statement about real securities.",
        "notice_zh": "此報告的圖表與數據為確定性生成的合成示例數據，僅供教育及版面展示；並無連接任何資料供應商或實際分析引擎，不代表任何真實證券的表現。",
        "default_filters": {
            "symbol": "0700.HK",
            "period": "1Y",
            "benchmark": "HSI"
        },
        "filters": {
            "symbol": [
                "0700.HK",
                "0005.HK",
                "AAPL.US",
                "MSFT.US",
                "SPY.US",
                "BTC-USD.CC"
            ],
            "period": [
                "1Y",
                "3Y",
                "5Y"
            ],
            "benchmark": [
                "HSI",
                "SPX",
                "BTC"
            ]
        },
        "library": {
            "version": "2026-10-19",
            "source": "https://chatgpt.com/share/6ad67223-c610-83e8-adb2-33aaf792e584",
            "sample": true
        }
    }
}