{
  "metric": {
    "id": "financial.incurred_claim_ratio.segment.other",
    "slug": "incurred-claim-ratio-segment-other",
    "name": "Net Incurred Claims Ratio — Other",
    "metric_short_name": "other incurred claims ratio",
    "unit": "%",
    "definition": "Segment-level net incurred claims ratio for Other, from IRDAI Form NL-20's own segmental analytical-ratios table (not the company-wide NL-20 figure).",
    "higher_is_better": false,
    "metric_status": "regulatory_native",
    "regulatory_form": "NL-20",
    "applicable_to": [
      "general",
      "health"
    ]
  },
  "facts": [
    {
      "insurer_id": "agriculture-insurance",
      "insurer_name": "Agriculture Insurance Company of India",
      "insurer_slug": "agriculture-insurance",
      "value": 76.76,
      "unit": "%",
      "reporting_period_label": "Q1 FY26-27",
      "reporting_period_end": "2026-06-30",
      "provenance": {
        "reported_by": "agriculture-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY26-27",
        "source_document": "2026-27_Q1.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 segmental table, other row immediately after label, col 4",
        "source_page": null
      }
    },
    {
      "insurer_id": "new-india-assurance",
      "insurer_name": "New India Assurance",
      "insurer_slug": "new-india-assurance",
      "value": 72.37,
      "unit": "%",
      "reporting_period_label": "Q1 FY26-27",
      "reporting_period_end": "2026-06-30",
      "provenance": {
        "reported_by": "new-india-assurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY26-27",
        "source_document": "Public_Disclosure_Q1_FY26-27.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 segmental table, other row immediately after label, col 7",
        "source_page": null
      }
    },
    {
      "insurer_id": "bajaj-allianz-general",
      "insurer_name": "Bajaj Allianz General Insurance",
      "insurer_slug": "bajaj-allianz-general",
      "value": 58.5,
      "unit": "%",
      "reporting_period_label": "Q1 FY26-27",
      "reporting_period_end": "2026-06-30",
      "provenance": {
        "reported_by": "bajaj-allianz-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY26-27",
        "source_document": "NL-20.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 segmental table, other row immediately after label, col 6",
        "source_page": null
      }
    },
    {
      "insurer_id": "ecgc",
      "insurer_name": "ECGC",
      "insurer_slug": "ecgc",
      "value": 159.5,
      "unit": "%",
      "reporting_period_label": "Q1 FY26-27",
      "reporting_period_end": "2026-06-30",
      "provenance": {
        "reported_by": "ecgc",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY26-27",
        "source_document": "NL-20-truncated.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-28",
        "extraction_note": "NL-20 single-segment table (miscellaneous - others miscellaneous segment), col 2",
        "source_page": null
      }
    },
    {
      "insurer_id": "national-insurance",
      "insurer_name": "National Insurance Company",
      "insurer_slug": "national-insurance",
      "value": 56.1,
      "unit": "%",
      "reporting_period_label": "Q1 FY26-27",
      "reporting_period_end": "2026-06-30",
      "provenance": {
        "reported_by": "national-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY26-27",
        "source_document": "NL-20-ANALYTICAL RATIOS SCHEDULE.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-25",
        "extraction_note": "NL-20 segmental table, other 'Current Period' row, col 6",
        "source_page": null
      }
    },
    {
      "insurer_id": "ecgc",
      "insurer_name": "ECGC",
      "insurer_slug": "ecgc",
      "value": -87.26,
      "unit": "%",
      "reporting_period_label": "Q4 FY25-26",
      "reporting_period_end": "2026-03-31",
      "provenance": {
        "reported_by": "ecgc",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY25-26",
        "source_document": "FY2025-26_Q4.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 single-segment table (miscellaneous - others miscellaneous segment), col 2",
        "source_page": null
      }
    },
    {
      "insurer_id": "agriculture-insurance",
      "insurer_name": "Agriculture Insurance Company of India",
      "insurer_slug": "agriculture-insurance",
      "value": 100.28,
      "unit": "%",
      "reporting_period_label": "Q4 FY25-26",
      "reporting_period_end": "2026-03-31",
      "provenance": {
        "reported_by": "agriculture-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY25-26",
        "source_document": "2025-26_Q4.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 segmental table, other row immediately after label, col 6",
        "source_page": null
      }
    },
    {
      "insurer_id": "new-india-assurance",
      "insurer_name": "New India Assurance",
      "insurer_slug": "new-india-assurance",
      "value": 72.01,
      "unit": "%",
      "reporting_period_label": "Q4 FY25-26",
      "reporting_period_end": "2026-03-31",
      "provenance": {
        "reported_by": "new-india-assurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY25-26",
        "source_document": "Public_Disclosure_Q4_FY25-26.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 segmental table, other row immediately after label, col 7",
        "source_page": null
      }
    },
    {
      "insurer_id": "bajaj-allianz-general",
      "insurer_name": "Bajaj Allianz General Insurance",
      "insurer_slug": "bajaj-allianz-general",
      "value": 42.1,
      "unit": "%",
      "reporting_period_label": "Q4 FY25-26",
      "reporting_period_end": "2026-03-31",
      "provenance": {
        "reported_by": "bajaj-allianz-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY25-26",
        "source_document": "NL-20.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-29",
        "extraction_note": "NL-20 segmental table, other row immediately after label, col 6",
        "source_page": null
      }
    },
    {
      "insurer_id": "universal-sompo",
      "insurer_name": "Universal Sompo General Insurance",
      "insurer_slug": "universal-sompo",
      "value": 74.04,
      "unit": "%",
      "reporting_period_label": "Q4 FY25-26",
      "reporting_period_end": "2026-03-31",
      "provenance": {
        "reported_by": "universal-sompo",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY25-26",
        "source_document": "NL20_Q4_FY2025-26.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-29",
        "extraction_note": "NL-20 segmental table, other row immediately after label, col 6",
        "source_page": null
      }
    },
    {
      "insurer_id": "acko-general",
      "insurer_name": "Acko General Insurance",
      "insurer_slug": "acko-general",
      "value": 85.23,
      "unit": "%",
      "reporting_period_label": "Q4 FY25-26",
      "reporting_period_end": "2026-03-31",
      "provenance": {
        "reported_by": "acko-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY25-26",
        "source_document": "Public_Disclosure_Q4_2025_26_d11ebbad81.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-11-03",
        "extraction_note": "NL-20 segmental table, other row immediately after label, col 7",
        "source_page": null
      }
    },
    {
      "insurer_id": "raheja-qbe",
      "insurer_name": "Raheja QBE General Insurance",
      "insurer_slug": "raheja-qbe",
      "value": 192,
      "unit": "%",
      "reporting_period_label": "Q4 FY25-26",
      "reporting_period_end": "2026-03-31",
      "provenance": {
        "reported_by": "raheja-qbe",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY25-26",
        "source_document": "NL20_Q4_FY2025-26.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-29",
        "extraction_note": "NL-20 segmental table, other row immediately after label, col 6",
        "source_page": null
      }
    },
    {
      "insurer_id": "raheja-qbe",
      "insurer_name": "Raheja QBE General Insurance",
      "insurer_slug": "raheja-qbe",
      "value": -13,
      "unit": "%",
      "reporting_period_label": "Q3 FY25-26",
      "reporting_period_end": "2025-12-31",
      "provenance": {
        "reported_by": "raheja-qbe",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY25-26",
        "source_document": "NL20_Q3_FY2025-26.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-28",
        "extraction_note": "NL-20 segmental table, other row immediately after label, col 6",
        "source_page": null
      }
    },
    {
      "insurer_id": "new-india-assurance",
      "insurer_name": "New India Assurance",
      "insurer_slug": "new-india-assurance",
      "value": 75.67,
      "unit": "%",
      "reporting_period_label": "Q3 FY25-26",
      "reporting_period_end": "2025-12-31",
      "provenance": {
        "reported_by": "new-india-assurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY25-26",
        "source_document": "combined.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 segmental table, other row immediately after label, col 7",
        "source_page": null
      }
    },
    {
      "insurer_id": "ecgc",
      "insurer_name": "ECGC",
      "insurer_slug": "ecgc",
      "value": 85.46,
      "unit": "%",
      "reporting_period_label": "Q3 FY25-26",
      "reporting_period_end": "2025-12-31",
      "provenance": {
        "reported_by": "ecgc",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY25-26",
        "source_document": "FY2025-26_Q3.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-27",
        "extraction_note": "NL-20 single-segment table (miscellaneous - others miscellaneous segment), col 2",
        "source_page": null
      }
    },
    {
      "insurer_id": "agriculture-insurance",
      "insurer_name": "Agriculture Insurance Company of India",
      "insurer_slug": "agriculture-insurance",
      "value": 117.48,
      "unit": "%",
      "reporting_period_label": "Q3 FY25-26",
      "reporting_period_end": "2025-12-31",
      "provenance": {
        "reported_by": "agriculture-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY25-26",
        "source_document": "2025-26_Q3.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-28",
        "extraction_note": "NL-20 segmental table, other row immediately after label, col 6",
        "source_page": null
      }
    },
    {
      "insurer_id": "universal-sompo",
      "insurer_name": "Universal Sompo General Insurance",
      "insurer_slug": "universal-sompo",
      "value": 80.13,
      "unit": "%",
      "reporting_period_label": "Q3 FY25-26",
      "reporting_period_end": "2025-12-31",
      "provenance": {
        "reported_by": "universal-sompo",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY25-26",
        "source_document": "NL20_Q3_FY2025-26.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-28",
        "extraction_note": "NL-20 segmental table, other row immediately after label, col 6",
        "source_page": null
      }
    },
    {
      "insurer_id": "bajaj-allianz-general",
      "insurer_name": "Bajaj Allianz General Insurance",
      "insurer_slug": "bajaj-allianz-general",
      "value": 40,
      "unit": "%",
      "reporting_period_label": "Q3 FY25-26",
      "reporting_period_end": "2025-12-31",
      "provenance": {
        "reported_by": "bajaj-allianz-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY25-26",
        "source_document": "NL-20.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-28",
        "extraction_note": "NL-20 segmental table, other row immediately after label, col 6",
        "source_page": null
      }
    },
    {
      "insurer_id": "ecgc",
      "insurer_name": "ECGC",
      "insurer_slug": "ecgc",
      "value": 9.23,
      "unit": "%",
      "reporting_period_label": "Q2 FY25-26",
      "reporting_period_end": "2025-09-30",
      "provenance": {
        "reported_by": "ecgc",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY25-26",
        "source_document": "FY2025-26_Q2.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-27",
        "extraction_note": "NL-20 single-segment table (miscellaneous - others miscellaneous segment), col 2",
        "source_page": null
      }
    },
    {
      "insurer_id": "bajaj-allianz-general",
      "insurer_name": "Bajaj Allianz General Insurance",
      "insurer_slug": "bajaj-allianz-general",
      "value": 46.9,
      "unit": "%",
      "reporting_period_label": "Q2 FY25-26",
      "reporting_period_end": "2025-09-30",
      "provenance": {
        "reported_by": "bajaj-allianz-general",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY25-26",
        "source_document": "NL-20.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-27",
        "extraction_note": "NL-20 segmental table, other row immediately after label, col 6",
        "source_page": null
      }
    },
    {
      "insurer_id": "agriculture-insurance",
      "insurer_name": "Agriculture Insurance Company of India",
      "insurer_slug": "agriculture-insurance",
      "value": 150.7,
      "unit": "%",
      "reporting_period_label": "Q2 FY25-26",
      "reporting_period_end": "2025-09-30",
      "provenance": {
        "reported_by": "agriculture-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY25-26",
        "source_document": "2025-26_Q2.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-28",
        "extraction_note": "NL-20 segmental table, other row immediately after label, col 6",
        "source_page": null
      }
    },
    {
      "insurer_id": "raheja-qbe",
      "insurer_name": "Raheja QBE General Insurance",
      "insurer_slug": "raheja-qbe",
      "value": -5,
      "unit": "%",
      "reporting_period_label": "Q2 FY25-26",
      "reporting_period_end": "2025-09-30",
      "provenance": {
        "reported_by": "raheja-qbe",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY25-26",
        "source_document": "NL20_Q2_FY2025-26.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-28",
        "extraction_note": "NL-20 segmental table, other row immediately after label, col 6",
        "source_page": null
      }
    },
    {
      "insurer_id": "universal-sompo",
      "insurer_name": "Universal Sompo General Insurance",
      "insurer_slug": "universal-sompo",
      "value": 84.14,
      "unit": "%",
      "reporting_period_label": "Q2 FY25-26",
      "reporting_period_end": "2025-09-30",
      "provenance": {
        "reported_by": "universal-sompo",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY25-26",
        "source_document": "NL20_Q2_FY2025-26.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-28",
        "extraction_note": "NL-20 segmental table, other row immediately after label, col 6",
        "source_page": null
      }
    },
    {
      "insurer_id": "new-india-assurance",
      "insurer_name": "New India Assurance",
      "insurer_slug": "new-india-assurance",
      "value": 85.64,
      "unit": "%",
      "reporting_period_label": "Q2 FY25-26",
      "reporting_period_end": "2025-09-30",
      "provenance": {
        "reported_by": "new-india-assurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY25-26",
        "source_document": "combined.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 segmental table, other row immediately after label, col 7",
        "source_page": null
      }
    },
    {
      "insurer_id": "agriculture-insurance",
      "insurer_name": "Agriculture Insurance Company of India",
      "insurer_slug": "agriculture-insurance",
      "value": 176.34,
      "unit": "%",
      "reporting_period_label": "Q1 FY25-26",
      "reporting_period_end": "2025-06-30",
      "provenance": {
        "reported_by": "agriculture-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY25-26",
        "source_document": "2025-26_Q1.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 segmental table, other row immediately after label, col 6",
        "source_page": null
      }
    },
    {
      "insurer_id": "agriculture-insurance",
      "insurer_name": "Agriculture Insurance Company of India",
      "insurer_slug": "agriculture-insurance",
      "value": 147.84,
      "unit": "%",
      "reporting_period_label": "Q4 FY24-25",
      "reporting_period_end": "2025-03-31",
      "provenance": {
        "reported_by": "agriculture-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY24-25",
        "source_document": "2024-25_Q4.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 segmental table, other row immediately after label, col 6",
        "source_page": null
      }
    },
    {
      "insurer_id": "agriculture-insurance",
      "insurer_name": "Agriculture Insurance Company of India",
      "insurer_slug": "agriculture-insurance",
      "value": 158.02,
      "unit": "%",
      "reporting_period_label": "Q3 FY24-25",
      "reporting_period_end": "2024-12-31",
      "provenance": {
        "reported_by": "agriculture-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY24-25",
        "source_document": "2024-25_Q3.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 segmental table, other row immediately after label, col 6",
        "source_page": null
      }
    },
    {
      "insurer_id": "agriculture-insurance",
      "insurer_name": "Agriculture Insurance Company of India",
      "insurer_slug": "agriculture-insurance",
      "value": 195.45,
      "unit": "%",
      "reporting_period_label": "Q2 FY24-25",
      "reporting_period_end": "2024-09-30",
      "provenance": {
        "reported_by": "agriculture-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q2 FY24-25",
        "source_document": "2024-25_Q2.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 segmental table, other row immediately after label, col 6",
        "source_page": null
      }
    },
    {
      "insurer_id": "agriculture-insurance",
      "insurer_name": "Agriculture Insurance Company of India",
      "insurer_slug": "agriculture-insurance",
      "value": 115.87,
      "unit": "%",
      "reporting_period_label": "Q4 FY23-24",
      "reporting_period_end": "2024-03-31",
      "provenance": {
        "reported_by": "agriculture-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY23-24",
        "source_document": "2023-24_Q4.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 segmental table, other row immediately after label, col 6",
        "source_page": null
      }
    },
    {
      "insurer_id": "agriculture-insurance",
      "insurer_name": "Agriculture Insurance Company of India",
      "insurer_slug": "agriculture-insurance",
      "value": 89.1,
      "unit": "%",
      "reporting_period_label": "Q1 FY23-24",
      "reporting_period_end": "2023-06-30",
      "provenance": {
        "reported_by": "agriculture-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q1 FY23-24",
        "source_document": "2023-24_Q1.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 segmental table, other row immediately after label, col 6",
        "source_page": null
      }
    },
    {
      "insurer_id": "agriculture-insurance",
      "insurer_name": "Agriculture Insurance Company of India",
      "insurer_slug": "agriculture-insurance",
      "value": 40.39,
      "unit": "%",
      "reporting_period_label": "Q4 FY22-23",
      "reporting_period_end": "2023-03-31",
      "provenance": {
        "reported_by": "agriculture-insurance",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q4 FY22-23",
        "source_document": "2022-23_Q4.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-26",
        "extraction_note": "NL-20 segmental table, other row immediately after label, col 6",
        "source_page": null
      }
    },
    {
      "insurer_id": "iffco-tokio",
      "insurer_name": "IFFCO Tokio General Insurance",
      "insurer_slug": "iffco-tokio",
      "value": 67.53,
      "unit": "%",
      "reporting_period_label": "Q3 FY22-23",
      "reporting_period_end": "2022-12-31",
      "provenance": {
        "reported_by": "iffco-tokio",
        "regulatory_form": "NL-20-ANALYTICAL-RATIOS",
        "reporting_period": "Q3 FY22-23",
        "source_document": "public-disclosure-december-2022.pdf",
        "source_url": null,
        "extracted_by": "irw_adapter v1",
        "last_verified": "2026-10-31",
        "extraction_note": "NL-20 segmental table, other row immediately after label, col 7",
        "source_page": null
      }
    }
  ],
  "meta": {
    "generated_at": "2026-11-15",
    "source": "IRDAI public disclosures",
    "api_version": "v1",
    "licence": "Facts derived from IRDAI public disclosure data. Republication with attribution permitted subject to applicable Indian law."
  }
}