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Bajaj Allianz General Insurance vs United India Insurance: IRDAI Data Comparison

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

MetricBajaj Allianz General InsuranceUnited India InsurancePeriod
net worth growth rate(size)-13.8 %0.0 %Q1 FY26-27
debentures & bonds(size)749232 INR_lakhs233920 INR_lakhsQ1 FY26-27
combined ratio104.7 %139.1 %Q1 FY26-27
liability segment premium(size)2931 ₹ lakh8837 ₹ lakhQ1 FY26-27
underwriting balance ratio-5.0 %-34.6 %Q1 FY26-27
Direct Business – Officers/Employees policies(size)0 count406 countQ1 FY26-27
MISP (Direct) policies(size)127141 count4495 countQ1 FY26-27
Web Aggregators policies(size)2730 count722317 countQ1 FY26-27
earnings per share(size)44.70 ₹-12.39 ₹Q1 FY26-27 / Q4 FY25-26
Insurance Marketing Firm policies(size)5664 count7461 countQ1 FY26-27
gross direct premium to net worth ratio(size)53.00 ×-80.00 ×Q1 FY26-27
investment income ratio2.2 %8.9 %Q1 FY26-27
fire incurred claims ratio48.9 %107.6 %Q1 FY26-27 / Q4 FY25-26
Direct Business – Officers/Employees premium(size)0 ₹ lakh9383 ₹ lakhQ1 FY26-27
crop insurance segment premium(size)-1976 ₹ lakh0 ₹ lakhQ1 FY26-27
profit before tax(size)638 ₹ crore-809 ₹ croreQ1 FY26-27
equity & preference shares(size)455012 INR_lakhs805380 INR_lakhsQ1 FY26-27
technical reserves to premium ratio(size)7.3 %9.0 %Q1 FY26-27
aviation segment premium(size)503 ₹ lakh542 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)9048 ₹ lakh612 ₹ lakhQ1 FY26-27
central govt. securities(size)20.4 %23.1 %Q1 FY26-27
personal accident incurred claims ratio51.0 %116.6 %Q1 FY26-27 / Q4 FY25-26
Brokers policies(size)2190021 count1143981 countQ1 FY26-27
net NPA ratio0.00 %0.00 %Q1 FY26-27 / Q4 FY25-26
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
crop combined ratio2971.0 %83.2 %Q1 FY26-27 / Q4 FY25-26
gross direct premium growth rate(size)11.6 %-27.0 %Q1 FY26-27
expense ratio to gross premium29.5 %27.3 %Q1 FY26-27
health incurred claims ratio90.9 %103.9 %Q1 FY26-27 / Q4 FY25-26
government securities(size)1042910 INR_lakhs1624959 INR_lakhsQ1 FY26-27
travel segment premium(size)5721 ₹ lakh116 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)-563 ₹ lakh0 ₹ lakhQ1 FY26-27
crop incurred claims ratio3078.0 %63.6 %Q1 FY26-27 / Q4 FY25-26
Direct Business – Online premium(size)2189 ₹ lakh663 ₹ lakhQ1 FY26-27
workmen's compensation combined ratio104.1 %64.8 %Q1 FY26-27 / Q4 FY25-26
net yield (quarterly)1.61 %5.92 %Q1 FY26-27
Direct Business – Others premium(size)115687 ₹ lakh104025 ₹ lakhQ1 FY26-27
net earning ratio17.8 %-15.3 %Q1 FY26-27 / Q4 FY25-26
engineering incurred claims ratio56.3 %43.4 %Q1 FY26-27 / Q4 FY25-26
govt + approved securities(size)30.9 %49.1 %Q1 FY26-27
marine hull combined ratio36.3 %70.3 %Q1 FY26-27 / Q4 FY25-26
marine cargo incurred claims ratio89.7 %68.7 %Q1 FY26-27 / Q4 FY25-26
health combined ratio108.7 %132.0 %Q1 FY26-27 / Q4 FY25-26
liability combined ratio54.6 %96.5 %Q1 FY26-27 / Q4 FY25-26
motor OD segment premium(size)79987 ₹ lakh47468 ₹ lakhQ1 FY26-27
operating profit ratio17.8 %-17.3 %Q1 FY26-27
motor od incurred claims ratio76.6 %98.5 %Q1 FY26-27 / Q4 FY25-26
npa provision coverage0.0 %100.0 %Q1 FY26-27
net retention ratio(size)46.4 %71.9 %Q1 FY26-27
Individual Agents policies(size)653974 count2597447 countQ1 FY26-27
gross NPA ratio0.00 %1.00 %Q1 FY26-27 / Q4 FY25-26
workmen's compensation segment premium(size)2548 ₹ lakh1922 ₹ lakhQ1 FY26-27
Direct Business – Others policies(size)934464 count87890 countQ1 FY26-27
health segment premium(size)175965 ₹ lakh206119 ₹ lakhQ1 FY26-27
Individual Agents premium(size)86223 ₹ lakh186927 ₹ lakhQ1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
aviation combined ratio34.9 %2328.7 %Q1 FY26-27 / Q4 FY25-26
marine cargo segment premium(size)18439 ₹ lakh6765 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %21.2 %Q1 FY26-27 / Q4 FY25-26
Common Service Centres (CSC) policies(size)98274 count1 countQ1 FY26-27
net commission ratio(size)8.9 %18.3 %Q1 FY26-27
Insurance Marketing Firm premium(size)1433 ₹ lakh600 ₹ lakhQ1 FY26-27
book value per share(size)1021.05 ₹-15.98 ₹Q1 FY26-27 / Q4 FY25-26
personal accident segment premium(size)6026 ₹ lakh7681 ₹ lakhQ1 FY26-27
real estate & subsidiaries(size)20168 INR_lakhs0 INR_lakhsQ1 FY26-27
Web Aggregators premium(size)34 ₹ lakh18079 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)2036111 count34735 countQ1 FY26-27
engineering segment premium(size)18904 ₹ lakh12861 ₹ lakhQ1 FY26-27
profit after tax(size)478 ₹ crore-809 ₹ croreQ1 FY26-27
motor od combined ratio122.4 %143.8 %Q1 FY26-27 / Q4 FY25-26
fire segment premium(size)90793 ₹ lakh61685 ₹ lakhQ1 FY26-27
marine hull segment premium(size)3261 ₹ lakh5184 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) policies(size)322050 count87834 countQ1 FY26-27
Brokers premium(size)281025 ₹ lakh226344 ₹ lakhQ1 FY26-27
personal accident combined ratio82.1 %151.3 %Q1 FY26-27 / Q4 FY25-26
Corporate Agents – Others premium(size)11268 ₹ lakh1598 ₹ lakhQ1 FY26-27
solvency ratio2.54 ×-1.49 ×Q1 FY26-27
fire combined ratio5.3 %176.5 %Q1 FY26-27 / Q4 FY25-26
motor tp combined ratio103.5 %157.7 %Q1 FY26-27 / Q4 FY25-26
motor tp incurred claims ratio51.0 %105.4 %Q1 FY26-27 / Q4 FY25-26
gross npa ratio0.00 %1.01 %Q1 FY26-27
liability incurred claims ratio25.7 %42.2 %Q1 FY26-27 / Q4 FY25-26
expense ratio30.4 %35.5 %Q1 FY26-27
gross yield (quarterly)2.15 %8.97 %Q1 FY26-27
Corporate Agents – Banks premium(size)49617 ₹ lakh980 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)20919 ₹ lakh5345 ₹ lakhQ1 FY26-27
Direct Business – Online policies(size)32012 count4630 countQ1 FY26-27
motor TP segment premium(size)106620 ₹ lakh187028 ₹ lakhQ1 FY26-27
engineering combined ratio26.7 %97.9 %Q1 FY26-27 / Q4 FY25-26
marine cargo combined ratio123.4 %108.4 %Q1 FY26-27 / Q4 FY25-26
gross npa (amount)0 INR_lakhs33495 INR_lakhsQ1 FY26-27
aviation incurred claims ratio24.4 %1790.1 %Q1 FY26-27 / Q4 FY25-26
workmen's compensation incurred claims ratio67.6 %19.1 %Q1 FY26-27 / Q4 FY25-26
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
incurred claims ratio74.3 %103.6 %Q1 FY26-27
Corporate Agents – Others policies(size)1636367 count50625 countQ1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
housing & infrastructure(size)29.5 %19.6 %Q1 FY26-27
other investments(size)1093056 INR_lakhs73696 INR_lakhsQ1 FY26-27
mutual funds(size)21015 INR_lakhs145809 INR_lakhsQ4 FY25-26 / Q1 FY26-27
net yield (annualized)6.46 %6.83 %FY25-26
gross yield (annualized)8.64 %10.35 %FY25-26
Other policies(size)0 count131 countQ3 FY25-26 / Q4 FY25-26
infrastructure & housing(size)27074 INR_lakhs763969 INR_lakhsQ3 FY25-26 / Q1 FY26-27
Other premium(size)0 ₹ lakh125587 ₹ lakhQ3 FY25-26 / Q4 FY25-26
claim settlement ratio87.3 %84.9 %Q2 FY25-26 / FY24-25
gross written premium(size)21417 ₹ crore20072 ₹ croreFY25-03
claims repudiation ratio1.79 %3.96 %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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United India Insurance
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