Clover Health Investments CLOV Insurance Operations — Claims incurred, gross

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CNCOther — Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims

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Questions, answered.

What is Clover Health Investments's insurance operations — claims incurred, gross?

Clover Health Investments (CLOV) reported insurance operations — claims incurred, gross of $384.46M in Q4 2025.

How has Clover Health Investments's insurance operations — claims incurred, gross changed year-over-year?

Clover Health Investments's insurance operations — claims incurred, gross increased by 55.6% year-over-year, from $247.05M to $384.46M.

What is the long-term trend for Clover Health Investments's insurance operations — claims incurred, gross?

Over 4 years (2021 to 2025), Clover Health Investments's insurance operations — claims incurred, gross has grown at a 16.4% compound annual growth rate (CAGR), from $839.14M to $1.54B.

What does insurance operations — claims incurred, gross mean?

The total cost of medical claims incurred by the insurance segment before any recoveries from reinsurance agreements. This metric captures the raw medical expense burden associated with the covered member population. It is essential for evaluating the underlying medical cost trends and the effectiveness of clinical management programs.