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Acko General Insurance vs Generali Central Insurance (formerly Future Generali): IRDAI Data Comparison

General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison

MetricAcko General InsuranceGenerali Central Insurance (formerly Future Generali)Period
personal accident incurred claims ratio36.0 %90.0 %Q1 FY26-27
crop insurance segment premium(size)0 ₹ lakh-155 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27 / Q4 FY25-26
marine cargo segment premium(size)0 ₹ lakh5649 ₹ lakhQ1 FY26-27
Web Aggregators policies(size)0 count117 countQ1 FY26-27
required solvency margin(size)50918 ₹ lakh96499 ₹ lakhQ1 FY26-27 / Q4 FY24-25
profit after tax(size)-29 ₹ crore-84 ₹ croreQ1 FY26-27
other segment premium(size)4515 ₹ lakh7301 ₹ lakhQ1 FY26-27 / Q2 FY22-23
Corporate Agents – Banks policies(size)0 count188536 countQ1 FY26-27
claim settlement ratio75.0 %88.2 %Q1 FY26-27 / FY24-25
central govt. securities(size)22.0 %24.3 %Q1 FY26-27
personal accident combined ratio67.0 %116.0 %Q1 FY26-27
MISP (Direct) policies(size)0 count2511 countQ1 FY26-27
Corporate Agents – Banks premium(size)1030 ₹ lakh8421 ₹ lakhQ1 FY26-27
workmen's compensation segment premium(size)0 ₹ lakh890 ₹ lakhQ1 FY26-27
gross written premium(size)749 ₹ crore1458 ₹ croreQ1 FY26-27 / Q1 FY24-25
solvency ratio1.59 ×1.96 ×Q1 FY26-27 / Q4 FY24-25
gross yield (quarterly)7.93 %1.84 %Q1 FY26-27
motor tp combined ratio98.0 %121.0 %Q1 FY26-27
liability segment premium(size)1727 ₹ lakh1119 ₹ lakhQ1 FY26-27
Individual Agents policies(size)0 count82090 countQ1 FY26-27
Common Service Centres (CSC) policies(size)0 count0 countQ1 FY26-27 / Q4 FY25-26
fire combined ratio54.9 %186.0 %Q1 FY26-27
operating profit ratio-6.1 %-14.7 %Q1 FY26-27
expense ratio to gross premium43.9 %29.5 %Q1 FY26-27
MISP (Direct) premium(size)0 ₹ lakh571 ₹ lakhQ1 FY26-27
fire segment premium(size)74 ₹ lakh15519 ₹ lakhQ1 FY26-27
combined ratio111.7 %127.9 %Q1 FY26-27
net yield (quarterly)7.93 %1.38 %Q1 FY26-27
Micro Agents policies(size)0 count5 countQ1 FY26-27
Brokers policies(size)89415 count204212 countQ1 FY26-27
travel segment premium(size)1979 ₹ lakh171 ₹ lakhQ1 FY26-27
health segment premium(size)37617 ₹ lakh33875 ₹ lakhQ1 FY26-27
aviation segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Corporate Agents – Others policies(size)131237 count24555 countQ1 FY26-27
net worth growth rate(size)-1.4 %-6.8 %Q1 FY26-27
Insurance Marketing Firm policies(size)0 count10969 countQ1 FY26-27
Brokers premium(size)15850 ₹ lakh70748 ₹ lakhQ1 FY26-27
expense ratio38.8 %40.2 %Q1 FY26-27
other investments(size)68748 INR_lakhs19050 INR_lakhsQ1 FY26-27
fire incurred claims ratio47.7 %137.0 %Q1 FY26-27
gross direct premium growth rate(size)42.3 %-4.5 %Q1 FY26-27
Corporate Agents – Others premium(size)15372 ₹ lakh3454 ₹ lakhQ1 FY26-27
travel combined ratio48.0 %162.0 %Q1 FY26-27
motor od incurred claims ratio127.0 %89.0 %Q1 FY26-27
underwriting balance ratio-16.0 %-29.5 %Q1 FY26-27
marine hull segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
motor OD segment premium(size)11794 ₹ lakh24921 ₹ lakhQ1 FY26-27
Web Aggregators premium(size)0 ₹ lakh15 ₹ lakhQ1 FY26-27
housing & infrastructure(size)16.0 %24.1 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)0 count39965 countQ1 FY26-27
Point of Sales Person (Direct) premium(size)0 ₹ lakh5371 ₹ lakhQ1 FY26-27
govt + approved securities(size)35.0 %47.2 %Q1 FY26-27
travel incurred claims ratio30.0 %89.0 %Q1 FY26-27
motor od combined ratio164.0 %132.0 %Q1 FY26-27
incurred claims ratio72.9 %90.1 %Q1 FY26-27
infrastructure & housing(size)66621 INR_lakhs197862 INR_lakhsQ1 FY26-27
motor tp incurred claims ratio59.0 %82.0 %Q1 FY26-27
profit before tax(size)-29 ₹ crore-112 ₹ croreQ1 FY26-27
net earning ratio-4.1 %0.8 %Q1 FY26-27 / Q4 FY25-26
available solvency margin(size)80829 ₹ lakh189596 ₹ lakhQ1 FY26-27 / Q4 FY24-25
personal accident segment premium(size)504 ₹ lakh6133 ₹ lakhQ1 FY26-27
liability incurred claims ratio92.0 %-5.0 %Q1 FY26-27
technical reserves to premium ratio(size)364.0 %695.3 %Q1 FY26-27
liability combined ratio94.0 %26.0 %Q1 FY26-27
claims paid to provisioned ratio(size)6.7 %12.3 %Q1 FY26-27
book value per share(size)2.94 ₹10.91 ₹Q1 FY26-27 / Q4 FY25-26
motor TP segment premium(size)16719 ₹ lakh19610 ₹ lakhQ1 FY26-27
Individual Agents premium(size)0 ₹ lakh16592 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh892 ₹ lakhQ1 FY26-27
engineering segment premium(size)0 ₹ lakh3438 ₹ lakhQ1 FY26-27
net retention ratio(size)78.8 %72.6 %Q1 FY26-27
investment income ratio8.0 %1.9 %Q1 FY26-27
government securities(size)139488 INR_lakhs386901 INR_lakhsQ1 FY26-27
debentures & bonds(size)98124 INR_lakhs191956 INR_lakhsQ1 FY26-27
gross direct premium to net worth ratio(size)91.00 ×78.90 ×Q1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
net commission ratio(size)11.9 %21.2 %Q1 FY26-27
earnings per share(size)-0.10 ₹0.06 ₹Q1 FY26-27 / Q4 FY25-26
other combined ratio94.5 %105.0 %Q4 FY25-26
gross yield (annualized)7.81 %7.53 %Q4 FY25-26 / FY25-26
health combined ratio104.5 %103.0 %Q4 FY25-26 / Q1 FY26-27
net yield (annualized)7.81 %5.80 %Q4 FY25-26 / FY25-26
other incurred claims ratio85.2 %58.0 %Q4 FY25-26
health incurred claims ratio56.3 %71.0 %Q4 FY25-26 / Q1 FY26-27
equity & preference shares(size)526 INR_lakhs21690 INR_lakhsQ1 FY25-26 / Q1 FY26-27
claims repudiation ratio1.91 %3.12 %FY24-25
gross NPA ratio1.18 %0.36 %Q1 FY21-22 / Q3 FY24-25

Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.

Individual profiles

Acko General Insurance
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Generali Central Insurance (formerly Future Generali)
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