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Acko General Insurance vs United India Insurance: IRDAI Data Comparison

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

MetricAcko General InsuranceUnited India InsurancePeriod
personal accident incurred claims ratio36.0 %116.6 %Q1 FY26-27 / Q4 FY25-26
crop insurance segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
marine cargo segment premium(size)0 ₹ lakh6765 ₹ lakhQ1 FY26-27
Web Aggregators policies(size)0 count722317 countQ1 FY26-27
required solvency margin(size)50918 ₹ lakh588214 ₹ lakhQ1 FY26-27
profit after tax(size)-29 ₹ crore-809 ₹ croreQ1 FY26-27
Corporate Agents – Banks policies(size)0 count34735 countQ1 FY26-27
claim settlement ratio75.0 %84.9 %Q1 FY26-27 / FY24-25
central govt. securities(size)22.0 %23.1 %Q1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
personal accident combined ratio67.0 %151.3 %Q1 FY26-27 / Q4 FY25-26
MISP (Direct) policies(size)0 count4495 countQ1 FY26-27
Corporate Agents – Banks premium(size)1030 ₹ lakh980 ₹ lakhQ1 FY26-27
workmen's compensation segment premium(size)0 ₹ lakh1922 ₹ lakhQ1 FY26-27
gross written premium(size)749 ₹ crore20072 ₹ croreQ1 FY26-27 / FY25-03
solvency ratio1.59 ×-1.49 ×Q1 FY26-27
gross yield (quarterly)7.93 %8.97 %Q1 FY26-27
motor tp combined ratio98.0 %157.7 %Q1 FY26-27 / Q4 FY25-26
liability segment premium(size)1727 ₹ lakh8837 ₹ lakhQ1 FY26-27
Individual Agents policies(size)0 count2597447 countQ1 FY26-27
Common Service Centres (CSC) policies(size)0 count1 countQ1 FY26-27
fire combined ratio54.9 %176.5 %Q1 FY26-27 / Q4 FY25-26
operating profit ratio-6.1 %-17.3 %Q1 FY26-27
expense ratio to gross premium43.9 %27.3 %Q1 FY26-27
MISP (Direct) premium(size)0 ₹ lakh612 ₹ lakhQ1 FY26-27
fire segment premium(size)74 ₹ lakh61685 ₹ lakhQ1 FY26-27
combined ratio111.7 %139.1 %Q1 FY26-27
net yield (quarterly)7.93 %5.92 %Q1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
Brokers policies(size)89415 count1143981 countQ1 FY26-27
travel segment premium(size)1979 ₹ lakh116 ₹ lakhQ1 FY26-27
health segment premium(size)37617 ₹ lakh206119 ₹ lakhQ1 FY26-27
aviation segment premium(size)0 ₹ lakh542 ₹ lakhQ1 FY26-27
Corporate Agents – Others policies(size)131237 count50625 countQ1 FY26-27
net worth growth rate(size)-1.4 %0.0 %Q1 FY26-27
Insurance Marketing Firm policies(size)0 count7461 countQ1 FY26-27
Brokers premium(size)15850 ₹ lakh226344 ₹ lakhQ1 FY26-27
Other premium(size)0 ₹ lakh125587 ₹ lakhQ1 FY26-27 / Q4 FY25-26
expense ratio38.8 %35.5 %Q1 FY26-27
other investments(size)68748 INR_lakhs73696 INR_lakhsQ1 FY26-27
fire incurred claims ratio47.7 %107.6 %Q1 FY26-27 / Q4 FY25-26
gross direct premium growth rate(size)42.3 %-27.0 %Q1 FY26-27
Corporate Agents – Others premium(size)15372 ₹ lakh1598 ₹ lakhQ1 FY26-27
motor od incurred claims ratio127.0 %98.5 %Q1 FY26-27 / Q4 FY25-26
underwriting balance ratio-16.0 %-34.6 %Q1 FY26-27
marine hull segment premium(size)0 ₹ lakh5184 ₹ lakhQ1 FY26-27
motor OD segment premium(size)11794 ₹ lakh47468 ₹ lakhQ1 FY26-27
Other policies(size)0 count131 countQ1 FY26-27 / Q4 FY25-26
Web Aggregators premium(size)0 ₹ lakh18079 ₹ lakhQ1 FY26-27
housing & infrastructure(size)16.0 %19.6 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)0 count87834 countQ1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)0 ₹ lakh5345 ₹ lakhQ1 FY26-27
govt + approved securities(size)35.0 %49.1 %Q1 FY26-27
motor od combined ratio164.0 %143.8 %Q1 FY26-27 / Q4 FY25-26
incurred claims ratio72.9 %103.6 %Q1 FY26-27
infrastructure & housing(size)66621 INR_lakhs763969 INR_lakhsQ1 FY26-27
motor tp incurred claims ratio59.0 %105.4 %Q1 FY26-27 / Q4 FY25-26
profit before tax(size)-29 ₹ crore-809 ₹ croreQ1 FY26-27
net earning ratio-4.1 %-15.3 %Q1 FY26-27 / Q4 FY25-26
available solvency margin(size)80829 ₹ lakh-874629 ₹ lakhQ1 FY26-27
personal accident segment premium(size)504 ₹ lakh7681 ₹ lakhQ1 FY26-27
liability incurred claims ratio92.0 %42.2 %Q1 FY26-27 / Q4 FY25-26
technical reserves to premium ratio(size)364.0 %9.0 %Q1 FY26-27
liability combined ratio94.0 %96.5 %Q1 FY26-27 / Q4 FY25-26
book value per share(size)2.94 ₹-15.98 ₹Q1 FY26-27 / Q4 FY25-26
motor TP segment premium(size)16719 ₹ lakh187028 ₹ lakhQ1 FY26-27
mutual funds(size)16958 INR_lakhs145809 INR_lakhsQ1 FY26-27
Individual Agents premium(size)0 ₹ lakh186927 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh600 ₹ lakhQ1 FY26-27
engineering segment premium(size)0 ₹ lakh12861 ₹ lakhQ1 FY26-27
net retention ratio(size)78.8 %71.9 %Q1 FY26-27
investment income ratio8.0 %8.9 %Q1 FY26-27
government securities(size)139488 INR_lakhs1624959 INR_lakhsQ1 FY26-27
debentures & bonds(size)98124 INR_lakhs233920 INR_lakhsQ1 FY26-27
gross direct premium to net worth ratio(size)91.00 ×-80.00 ×Q1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
net commission ratio(size)11.9 %18.3 %Q1 FY26-27
earnings per share(size)-0.10 ₹-12.39 ₹Q1 FY26-27 / Q4 FY25-26
real estate & subsidiaries(size)11419 INR_lakhs0 INR_lakhsQ1 FY26-27
gross yield (annualized)7.81 %10.35 %Q4 FY25-26 / FY25-26
health combined ratio104.5 %132.0 %Q4 FY25-26
net yield (annualized)7.81 %6.83 %Q4 FY25-26 / FY25-26
health incurred claims ratio56.3 %103.9 %Q4 FY25-26
other approved securities(size)2372 INR_lakhs0 INR_lakhsQ4 FY25-26 / Q1 FY26-27
equity & preference shares(size)526 INR_lakhs805380 INR_lakhsQ1 FY25-26 / Q1 FY26-27
claims repudiation ratio1.91 %3.96 %FY24-25
gross NPA ratio1.18 %1.00 %Q1 FY21-22 / Q4 FY25-26
net NPA ratio0.59 %0.00 %Q1 FY21-22 / Q4 FY25-26

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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United India Insurance
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