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

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

MetricChola MS General InsuranceGenerali Central Insurance (formerly Future Generali)Period
engineering combined ratio138.7 %205.0 %Q1 FY26-27
net retention ratio(size)66.5 %72.6 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
health incurred claims ratio103.6 %71.0 %Q1 FY26-27
health combined ratio122.3 %103.0 %Q1 FY26-27
MISP (Direct) policies(size)29694 count2511 countQ1 FY26-27
personal accident segment premium(size)7194 ₹ lakh6133 ₹ lakhQ1 FY26-27
other segment premium(size)997 ₹ lakh7301 ₹ lakhQ1 FY26-27 / Q2 FY22-23
net yield (quarterly)5.38 %1.38 %Q1 FY26-27
crop combined ratio19.4 %1418.0 %Q1 FY26-27
expense ratio to gross premium36.1 %29.5 %Q1 FY26-27
Corporate Agents – Banks premium(size)17032 ₹ lakh8421 ₹ lakhQ1 FY26-27
operating profit ratio4.3 %-14.7 %Q1 FY26-27
combined ratio120.4 %127.9 %Q1 FY26-27
gross direct premium to net worth ratio(size)54.00 ×78.90 ×Q1 FY26-27
net earning ratio6.1 %0.8 %Q1 FY26-27 / Q4 FY25-26
motor OD segment premium(size)57997 ₹ lakh24921 ₹ lakhQ1 FY26-27
motor tp combined ratio112.4 %121.0 %Q1 FY26-27
debentures & bonds(size)575389 INR_lakhs191956 INR_lakhsQ1 FY26-27
profit before tax(size)117 ₹ crore-112 ₹ croreQ1 FY26-27
available solvency margin(size)343228 ₹ lakh189596 ₹ lakhQ1 FY26-27 / Q4 FY24-25
housing & infrastructure(size)32.5 %24.1 %Q1 FY26-27
MISP (Direct) premium(size)401 ₹ lakh571 ₹ lakhQ1 FY26-27
engineering segment premium(size)1434 ₹ lakh3438 ₹ lakhQ1 FY26-27
investment income ratio2.0 %1.9 %Q1 FY26-27
travel incurred claims ratio-20.0 %89.0 %Q1 FY26-27
Individual Agents premium(size)6823 ₹ lakh16592 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio84.4 %82.0 %Q1 FY26-27
expense ratio34.8 %40.2 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)127301 count39965 countQ1 FY26-27
net worth growth rate(size)2.6 %-6.8 %Q1 FY26-27
travel segment premium(size)33 ₹ lakh171 ₹ lakhQ1 FY26-27
profit after tax(size)86 ₹ crore-84 ₹ croreQ1 FY26-27
workmen's compensation combined ratio103.8 %173.0 %Q1 FY26-27
gross direct premium growth rate(size)2.6 %-4.5 %Q1 FY26-27
liability combined ratio164.1 %26.0 %Q1 FY26-27
solvency ratio1.93 ×1.96 ×Q1 FY26-27 / Q4 FY24-25
aviation combined ratio0.0 %0.0 %Q1 FY26-27
marine cargo segment premium(size)6509 ₹ lakh5649 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)9.8 %695.3 %Q1 FY26-27
underwriting balance ratio-15.0 %-29.5 %Q1 FY26-27
fire segment premium(size)18866 ₹ lakh15519 ₹ lakhQ1 FY26-27
engineering incurred claims ratio106.1 %116.0 %Q1 FY26-27
marine cargo combined ratio100.0 %193.0 %Q1 FY26-27
personal accident incurred claims ratio28.0 %90.0 %Q1 FY26-27
workmen's compensation incurred claims ratio75.0 %135.0 %Q1 FY26-27
other investments(size)69712 INR_lakhs19050 INR_lakhsQ1 FY26-27
central govt. securities(size)25.4 %24.3 %Q1 FY26-27
aviation incurred claims ratio0.0 %100.0 %Q1 FY26-27
motor od combined ratio141.2 %132.0 %Q1 FY26-27
workmen's compensation segment premium(size)396 ₹ lakh890 ₹ lakhQ1 FY26-27
crop insurance segment premium(size)4 ₹ lakh-155 ₹ lakhQ1 FY26-27
marine hull segment premium(size)2891 ₹ lakh0 ₹ lakhQ1 FY26-27
government securities(size)733841 INR_lakhs386901 INR_lakhsQ1 FY26-27
govt + approved securities(size)38.7 %47.2 %Q1 FY26-27
Corporate Agents – Others policies(size)370101 count24555 countQ1 FY26-27
required solvency margin(size)178009 ₹ lakh96499 ₹ lakhQ1 FY26-27 / Q4 FY24-25
incurred claims ratio85.6 %90.1 %Q1 FY26-27
debt to equity ratio0.03 ×0.39 ×Q1 FY26-27 / Q4 FY25-26
health segment premium(size)19083 ₹ lakh33875 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)7.2 %12.3 %Q1 FY26-27
infrastructure & housing(size)370358 INR_lakhs197862 INR_lakhsQ1 FY26-27
Common Service Centres (CSC) premium(size)869 ₹ lakh0 ₹ lakhQ1 FY26-27 / Q4 FY25-26
marine hull incurred claims ratio0.0 %0.0 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)22203 ₹ lakh5371 ₹ lakhQ1 FY26-27
motor TP segment premium(size)69798 ₹ lakh19610 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)35216 ₹ lakh3454 ₹ lakhQ1 FY26-27
fire combined ratio80.9 %186.0 %Q1 FY26-27
marine cargo incurred claims ratio77.3 %156.0 %Q1 FY26-27
net commission ratio(size)19.9 %21.2 %Q1 FY26-27
Common Service Centres (CSC) policies(size)21063 count0 countQ1 FY26-27 / Q4 FY25-26
crop incurred claims ratio7.1 %318.0 %Q1 FY26-27
equity & preference shares(size)167481 INR_lakhs21690 INR_lakhsQ1 FY26-27
Individual Agents policies(size)22600 count82090 countQ1 FY26-27
Brokers policies(size)669428 count204212 countQ1 FY26-27
liability incurred claims ratio96.8 %-5.0 %Q1 FY26-27
Brokers premium(size)89864 ₹ lakh70748 ₹ lakhQ1 FY26-27
gross written premium(size)1860 ₹ crore1458 ₹ croreQ1 FY26-27 / Q1 FY24-25
gross yield (quarterly)7.19 %1.84 %Q1 FY26-27
Corporate Agents – Banks policies(size)345097 count188536 countQ1 FY26-27
personal accident combined ratio125.3 %116.0 %Q1 FY26-27
book value per share(size)114.30 ₹10.91 ₹Q1 FY26-27 / Q4 FY25-26
motor od incurred claims ratio86.3 %89.0 %Q1 FY26-27
travel combined ratio22.4 %162.0 %Q1 FY26-27
liability segment premium(size)790 ₹ lakh1119 ₹ lakhQ1 FY26-27
fire incurred claims ratio84.2 %137.0 %Q1 FY26-27
marine hull combined ratio0.0 %0.0 %Q1 FY26-27
earnings per share(size)2.88 ₹0.06 ₹Q1 FY26-27 / Q4 FY25-26
gross yield (annualized)7.70 %7.53 %Q4 FY25-26 / FY25-26
net yield (annualized)5.76 %5.80 %Q4 FY25-26 / FY25-26
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY25-26 / Q1 FY26-27
Insurance Marketing Firm policies(size)0 count10969 countQ1 FY25-26 / Q1 FY26-27
Micro Agents policies(size)0 count5 countQ1 FY25-26 / Q1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh892 ₹ lakhQ1 FY25-26 / Q1 FY26-27
claim settlement ratio74.5 %88.2 %FY24-25
claims repudiation ratio5.76 %3.12 %FY24-25
gross NPA ratio14.00 %0.36 %Q4 FY22-23 / Q3 FY24-25

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

Individual profiles

Chola MS General Insurance
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Generali Central Insurance (formerly Future Generali)
All IRDAI metrics →

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