Cost of Revenue
Medical costs
Chubb Medical costs decreased by 9.6% to $6.28B in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 3.1%, from $6.48B to $6.28B. Over 4 years (FY 2021 to FY 2025), Medical costs shows an upward trend with a 5.0% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementIncome Statement
SectionCost of Revenue
CategoryProfitability
SignalLower is better
VolatilityStable
First reportedQ1 2013
Last reportedQ4 2025
How to read this metric
A lower ratio of medical costs to premiums (Medical Loss Ratio) generally indicates better underwriting profitability.
Detailed definition
Expenses related to the provision of healthcare services and the settlement of medical claims for insurance policyholder...
Peer comparison
Specific to health insurance providers; not applicable to traditional banking institutions.
Metric ID:
is_unh_medical_costsHistorical Data
19 periods
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $5.01B | $6.63B | $5.29B | $4.79B | $5.41B | $7.28B | $5.87B | $5.15B | $5.68B | $7.11B | $6.16B | $5.73B | $6.43B | $7.38B | $6.48B | $6.90B | $6.57B | $6.95B | $6.28B |
| QoQ Change | — | +32.4% | -20.2% | -9.5% | +13.0% | +34.6% | -19.4% | -12.3% | +10.4% | +25.0% | -13.3% | -7.1% | +12.3% | +14.8% | -12.2% | +6.4% | -4.7% | +5.8% | -9.6% |
| YoY Change | — | — | — | — | +8.0% | +9.8% | +10.9% | +7.5% | +5.1% | -2.4% | +5.0% | +11.2% | +13.2% | +3.9% | +5.2% | +20.4% | +2.2% | -5.9% | -3.1% |
Range$4.79B – $7.38B
CAGR+5.2%
Avg YoY Growth+6.1%
Median YoY Growth+5.2%
Business Segments
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Medical costs at Other Companies
Frequently Asked Questions
- What is Chubb's medical costs?
- Chubb (CB) reported medical costs of $6.28B in Q4 2025.
- How has Chubb's medical costs changed year-over-year?
- Chubb's medical costs decreased by 3.1% year-over-year, from $6.48B to $6.28B.
- What is the long-term trend for Chubb's medical costs?
- Over 4 years (2021 to 2025), Chubb's medical costs has grown at a 5.0% compound annual growth rate (CAGR), from $21.98B to $26.70B.
- What does medical costs mean?
- The cost of paying for medical services and claims for insurance members.