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Bajaj Allianz General Insurance vs National Insurance Company: IRDAI Data Comparison

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

MetricBajaj Allianz General InsuranceNational Insurance CompanyPeriod
debentures & bonds(size)749232 INR_lakhs422924 INR_lakhsQ1 FY26-27
combined ratio104.7 %134.4 %Q1 FY26-27
liability segment premium(size)2931 ₹ lakh7861 ₹ lakhQ1 FY26-27
underwriting balance ratio-5.0 %-36.0 %Q1 FY26-27
Direct Business – Officers/Employees policies(size)0 count46558 countQ1 FY26-27
MISP (Direct) policies(size)127141 count1896 countQ1 FY26-27
Web Aggregators policies(size)2730 count15 countQ1 FY26-27
earnings per share(size)44.70 ₹-0.53 ₹Q1 FY26-27
Insurance Marketing Firm policies(size)5664 count825 countQ1 FY26-27
gross direct premium to net worth ratio(size)53.00 ×-92.00 ×Q1 FY26-27
investment income ratio2.2 %9.8 %Q1 FY26-27
fire incurred claims ratio48.9 %77.0 %Q1 FY26-27
Direct Business – Officers/Employees premium(size)0 ₹ lakh85292 ₹ lakhQ1 FY26-27
crop insurance segment premium(size)-1976 ₹ lakh1217 ₹ lakhQ1 FY26-27
profit before tax(size)638 ₹ crore-496 ₹ croreQ1 FY26-27
equity & preference shares(size)455012 INR_lakhs1314528 INR_lakhsQ1 FY26-27
technical reserves to premium ratio(size)7.3 %913.0 %Q1 FY26-27
aviation segment premium(size)503 ₹ lakh2043 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)9048 ₹ lakh264 ₹ lakhQ1 FY26-27
central govt. securities(size)20.4 %21.2 %Q1 FY26-27
personal accident incurred claims ratio51.0 %60.1 %Q1 FY26-27
Brokers policies(size)2190021 count1425107 countQ1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
crop combined ratio2971.0 %76.4 %Q1 FY26-27
gross direct premium growth rate(size)11.6 %7.8 %Q1 FY26-27
expense ratio to gross premium29.5 %31.8 %Q1 FY26-27
other segment premium(size)65482 ₹ lakh14971 ₹ lakhQ1 FY26-27
health incurred claims ratio90.9 %105.3 %Q1 FY26-27
government securities(size)1042910 INR_lakhs1219327 INR_lakhsQ1 FY26-27
travel segment premium(size)5721 ₹ lakh0 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)-563 ₹ lakh0 ₹ lakhQ1 FY26-27
crop incurred claims ratio3078.0 %47.9 %Q1 FY26-27
workmen's compensation combined ratio104.1 %90.3 %Q1 FY26-27
net yield (quarterly)1.61 %7.06 %Q1 FY26-27
net earning ratio17.8 %-13.5 %Q1 FY26-27
engineering incurred claims ratio56.3 %48.6 %Q1 FY26-27
govt + approved securities(size)30.9 %41.7 %Q1 FY26-27
marine hull combined ratio36.3 %195.6 %Q1 FY26-27
marine cargo incurred claims ratio89.7 %99.9 %Q1 FY26-27
health combined ratio108.7 %137.6 %Q1 FY26-27
liability combined ratio54.6 %50.7 %Q1 FY26-27
motor OD segment premium(size)79987 ₹ lakh43901 ₹ lakhQ1 FY26-27
operating profit ratio17.8 %-12.8 %Q1 FY26-27
motor od incurred claims ratio76.6 %103.3 %Q1 FY26-27
npa provision coverage0.0 %100.0 %Q1 FY26-27
net retention ratio(size)46.4 %85.1 %Q1 FY26-27
Individual Agents policies(size)653974 count1329274 countQ1 FY26-27
gross NPA ratio0.00 %0.75 %Q1 FY26-27
workmen's compensation segment premium(size)2548 ₹ lakh1526 ₹ lakhQ1 FY26-27
health segment premium(size)175965 ₹ lakh149925 ₹ lakhQ1 FY26-27
Individual Agents premium(size)86223 ₹ lakh149079 ₹ lakhQ1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
aviation combined ratio34.9 %94.9 %Q1 FY26-27
marine cargo segment premium(size)18439 ₹ lakh5029 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %151.1 %Q1 FY26-27
Common Service Centres (CSC) policies(size)98274 count0 countQ1 FY26-27
net commission ratio(size)8.9 %10.7 %Q1 FY26-27
Insurance Marketing Firm premium(size)1433 ₹ lakh231 ₹ lakhQ1 FY26-27
book value per share(size)1021.05 ₹-4.87 ₹Q1 FY26-27
personal accident segment premium(size)6026 ₹ lakh39683 ₹ lakhQ1 FY26-27
real estate & subsidiaries(size)20168 INR_lakhs17 INR_lakhsQ1 FY26-27
Web Aggregators premium(size)34 ₹ lakh0 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)2036111 count4516 countQ1 FY26-27
engineering segment premium(size)18904 ₹ lakh13903 ₹ lakhQ1 FY26-27
profit after tax(size)478 ₹ crore-496 ₹ croreQ1 FY26-27
motor od combined ratio122.4 %141.0 %Q1 FY26-27
other incurred claims ratio58.5 %56.1 %Q1 FY26-27
fire segment premium(size)90793 ₹ lakh47154 ₹ lakhQ1 FY26-27
marine hull segment premium(size)3261 ₹ lakh3347 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) policies(size)322050 count156008 countQ1 FY26-27
Brokers premium(size)281025 ₹ lakh172211 ₹ lakhQ1 FY26-27
personal accident combined ratio82.1 %86.1 %Q1 FY26-27
Corporate Agents – Others premium(size)11268 ₹ lakh943 ₹ lakhQ1 FY26-27
solvency ratio2.54 ×-1.22 ×Q1 FY26-27
fire combined ratio5.3 %117.0 %Q1 FY26-27
other combined ratio68.5 %98.6 %Q1 FY26-27
motor tp combined ratio103.5 %165.4 %Q1 FY26-27
motor tp incurred claims ratio51.0 %124.7 %Q1 FY26-27
gross npa ratio0.00 %0.75 %Q1 FY26-27
liability incurred claims ratio25.7 %7.3 %Q1 FY26-27
expense ratio30.4 %35.4 %Q1 FY26-27
gross yield (quarterly)2.15 %10.69 %Q1 FY26-27
Corporate Agents – Banks premium(size)49617 ₹ lakh1179 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)20919 ₹ lakh11084 ₹ lakhQ1 FY26-27
motor TP segment premium(size)106620 ₹ lakh91131 ₹ lakhQ1 FY26-27
engineering combined ratio26.7 %89.1 %Q1 FY26-27
marine cargo combined ratio123.4 %136.8 %Q1 FY26-27
gross npa (amount)0 INR_lakhs21708 INR_lakhsQ1 FY26-27
aviation incurred claims ratio24.4 %63.1 %Q1 FY26-27
workmen's compensation incurred claims ratio67.6 %44.0 %Q1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
incurred claims ratio74.3 %98.9 %Q1 FY26-27
Corporate Agents – Others policies(size)1636367 count11710 countQ1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
housing & infrastructure(size)29.5 %16.8 %Q1 FY26-27
other investments(size)1093056 INR_lakhs60405 INR_lakhsQ1 FY26-27
mutual funds(size)21015 INR_lakhs117077 INR_lakhsQ4 FY25-26 / Q1 FY26-27
net yield (annualized)6.46 %7.91 %FY25-26 / Q4 FY25-26
gross yield (annualized)8.64 %11.98 %FY25-26 / Q4 FY25-26
Other policies(size)0 count0 countQ3 FY25-26 / Q1 FY26-27
infrastructure & housing(size)27074 INR_lakhs255830 INR_lakhsQ3 FY25-26 / Q1 FY26-27
Other premium(size)0 ₹ lakh0 ₹ lakhQ3 FY25-26 / Q1 FY26-27
claim settlement ratio87.3 %52.7 %Q2 FY25-26 / Q1 FY26-27
gross written premium(size)21417 ₹ crore16833 ₹ croreFY25-03
claims repudiation ratio1.79 %4.68 %FY24-25

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

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Bajaj Allianz General Insurance
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National Insurance Company
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