Aditya Birla Health Insurance vs Care Health Insurance: IRDAI Data Comparison
Health insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Aditya Birla Health Insurance | Care Health Insurance | Period |
|---|---|---|---|
| Individual Agents policies(size) | 90784 count | 457053 count | Q1 FY26-27 |
| personal accident segment premium(size) | 11350 ₹ lakh | 6554 ₹ lakh | Q1 FY26-27 |
| earnings per share(size) | -1.56 ₹ | -0.99 ₹ | Q1 FY26-27 |
| health segment premium(size) | 188890 ₹ lakh | 281708 ₹ lakh | Q1 FY26-27 |
| expense ratio | 26.0 % | 34.0 % | Q1 FY26-27 |
| Individual Agents premium(size) | 21634 ₹ lakh | 112239 ₹ lakh | Q1 FY26-27 |
| travel incurred claims ratio | 248.0 % | 22.0 % | Q1 FY26-27 |
| profit before tax(size) | -88 ₹ crore | -131 ₹ crore | Q1 FY26-27 |
| Web Aggregators premium(size) | 95 ₹ lakh | 334 ₹ lakh | Q1 FY26-27 |
| debentures & bonds(size) | 102176 INR_lakhs | 133068 INR_lakhs | Q1 FY26-27 |
| Web Aggregators policies(size) | 431 count | 1162 count | Q1 FY26-27 |
| gross direct premium growth rate(size) | 51.0 % | 43.0 % | Q1 FY26-27 |
| profit after tax(size) | -88 ₹ crore | -98 ₹ crore | Q1 FY26-27 |
| Brokers premium(size) | 120316 ₹ lakh | 100436 ₹ lakh | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 23983 ₹ lakh | 32837 ₹ lakh | Q1 FY26-27 |
| personal accident combined ratio | 97.0 % | 136.0 % | Q1 FY26-27 |
| gross written premium(size) | 2356 ₹ crore | 2927 ₹ crore | Q1 FY26-27 |
| net yield (quarterly) | 1.79 % | 1.33 % | Q1 FY26-27 |
| incurred claims ratio | 84.0 % | 77.0 % | Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 145 ₹ lakh | 1232 ₹ lakh | Q1 FY26-27 |
| health combined ratio | 110.0 % | 111.0 % | Q1 FY26-27 |
| mutual funds(size) | 32061 INR_lakhs | 36848 INR_lakhs | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 85396 count | 46313 count | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 86 ₹ lakh | 4246 ₹ lakh | Q1 FY26-27 |
| Direct Business – Officers/Employees policies(size) | 11007 count | 25017 count | Q1 FY26-27 |
| housing & infrastructure(size) | 17.6 % | 43.1 % | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 448 count | 4169 count | Q1 FY26-27 |
| required solvency margin(size) | 113719 ₹ lakh | 169623 ₹ lakh | Q1 FY26-27 |
| government securities(size) | 150874 INR_lakhs | 268549 INR_lakhs | Q1 FY26-27 |
| net commission ratio(size) | 8.0 % | 16.0 % | Q1 FY26-27 |
| gross npa (amount) | 0 INR_lakhs | 0 INR_lakhs | Q1 FY26-27 |
| combined ratio | 110.0 % | 111.0 % | Q1 FY26-27 |
| expense ratio to gross premium | 35.0 % | 33.0 % | Q1 FY26-27 |
| health incurred claims ratio | 85.0 % | 78.0 % | Q1 FY26-27 |
| personal accident incurred claims ratio | 60.0 % | 66.0 % | Q1 FY26-27 |
| underwriting balance ratio | -15.0 % | -17.0 % | Q1 FY26-27 |
| net earning ratio | -6.0 % | -4.0 % | Q1 FY26-27 |
| Direct Business – Officers/Employees premium(size) | 7409 ₹ lakh | 3044 ₹ lakh | Q1 FY26-27 |
| solvency ratio | 1.58 × | 1.58 × | Q1 FY26-27 |
| book value per share(size) | 33.72 ₹ | 27.04 ₹ | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 6963 count | 32186 count | Q1 FY26-27 |
| Brokers policies(size) | 167407 count | 268815 count | Q1 FY26-27 |
| central govt. securities(size) | 24.8 % | 22.9 % | Q1 FY26-27 |
| Direct Business – Online premium(size) | 921 ₹ lakh | 16580 ₹ lakh | Q1 FY26-27 |
| govt + approved securities(size) | 53.1 % | 36.0 % | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 2.0 % | 2.3 % | Q1 FY26-27 |
| net retention ratio(size) | 74.0 % | 77.0 % | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 104.00 × | 108.00 × | Q1 FY26-27 |
| other approved securities(size) | 171825 INR_lakhs | 153949 INR_lakhs | Q1 FY26-27 |
| operating profit ratio | -8.0 % | -8.0 % | Q1 FY26-27 |
| travel segment premium(size) | 296 ₹ lakh | 4454 ₹ lakh | Q1 FY26-27 |
| net worth growth rate(size) | 6.0 % | 2.0 % | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 25947 ₹ lakh | 21199 ₹ lakh | Q1 FY26-27 |
| Direct Business – Online policies(size) | 4743 count | 86107 count | Q1 FY26-27 |
| other investments(size) | 149143 INR_lakhs | 4105 INR_lakhs | Q1 FY26-27 |
| equity & preference shares(size) | 1828 INR_lakhs | 69311 INR_lakhs | Q1 FY26-27 |
| travel combined ratio | 280.0 % | 78.0 % | Q1 FY26-27 |
| available solvency margin(size) | 179787 ₹ lakh | 267725 ₹ lakh | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 852 count | 24904 count | Q1 FY26-27 |
| gross yield (quarterly) | 1.79 % | 1.77 % | Q1 FY26-27 |
| npa provision coverage | 0.0 % | 0.0 % | Q1 FY26-27 |
| investment income ratio | 2.0 % | 2.0 % | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 100.0 % | 1.0 % | Q1 FY26-27 |
| net yield (annualized) | 7.30 % | 5.50 % | Q4 FY25-26 |
| gross yield (annualized) | 7.30 % | 7.30 % | Q4 FY25-26 |
| claims repudiation ratio | 3.98 % | 3.10 % | FY24-25 |
| claim settlement ratio | 94.1 % | 95.2 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.