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Chola MS General Insurance vs Digit General Insurance: IRDAI Data Comparison

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

MetricChola MS General InsuranceDigit General InsurancePeriod
engineering combined ratio138.7 %38.1 %Q1 FY26-27
net retention ratio(size)66.5 %76.7 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh42 ₹ lakhQ1 FY26-27
health incurred claims ratio103.6 %88.7 %Q1 FY26-27
health combined ratio122.3 %108.4 %Q1 FY26-27
MISP (Direct) policies(size)29694 count205332 countQ1 FY26-27
personal accident segment premium(size)7194 ₹ lakh18061 ₹ lakhQ1 FY26-27
net yield (quarterly)5.38 %1.36 %Q1 FY26-27
crop combined ratio19.4 %4.0 %Q1 FY26-27
expense ratio to gross premium36.1 %39.0 %Q1 FY26-27
Corporate Agents – Banks premium(size)17032 ₹ lakh2201 ₹ lakhQ1 FY26-27
real estate & subsidiaries(size)3033 INR_lakhs14701 INR_lakhsQ1 FY26-27
operating profit ratio4.3 %3.5 %Q1 FY26-27
combined ratio120.4 %112.4 %Q1 FY26-27
gross direct premium to net worth ratio(size)54.00 ×52.00 ×Q1 FY26-27
net earning ratio6.1 %7.1 %Q1 FY26-27 / Q4 FY25-26
motor OD segment premium(size)57997 ₹ lakh52418 ₹ lakhQ1 FY26-27
motor tp combined ratio112.4 %114.1 %Q1 FY26-27
debentures & bonds(size)575389 INR_lakhs295286 INR_lakhsQ1 FY26-27
profit before tax(size)117 ₹ crore115 ₹ croreQ1 FY26-27
available solvency margin(size)343228 ₹ lakh487296 ₹ lakhQ1 FY26-27
housing & infrastructure(size)32.5 %29.3 %Q1 FY26-27
MISP (Direct) premium(size)401 ₹ lakh8727 ₹ lakhQ1 FY26-27
engineering segment premium(size)1434 ₹ lakh6956 ₹ lakhQ1 FY26-27
investment income ratio2.0 %1.8 %Q1 FY26-27
travel incurred claims ratio-20.0 %59.5 %Q1 FY26-27
Individual Agents premium(size)6823 ₹ lakh14822 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio84.4 %66.6 %Q1 FY26-27
expense ratio34.8 %39.0 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)127301 count603920 countQ1 FY26-27
net worth growth rate(size)2.6 %12.0 %Q1 FY26-27
travel segment premium(size)33 ₹ lakh1294 ₹ lakhQ1 FY26-27
profit after tax(size)86 ₹ crore86 ₹ croreQ1 FY26-27
workmen's compensation combined ratio103.8 %102.6 %Q1 FY26-27
gross direct premium growth rate(size)2.6 %-2.4 %Q1 FY26-27
liability combined ratio164.1 %-100.0 %Q1 FY26-27
solvency ratio1.93 ×2.43 ×Q1 FY26-27
aviation combined ratio0.0 %82.1 %Q1 FY26-27
marine cargo segment premium(size)6509 ₹ lakh3427 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)9.8 %7.3 %Q1 FY26-27
underwriting balance ratio-15.0 %-14.0 %Q1 FY26-27
fire segment premium(size)18866 ₹ lakh16719 ₹ lakhQ1 FY26-27
engineering incurred claims ratio106.1 %82.4 %Q1 FY26-27
marine cargo combined ratio100.0 %-56.8 %Q1 FY26-27
personal accident incurred claims ratio28.0 %83.2 %Q1 FY26-27
workmen's compensation incurred claims ratio75.0 %69.8 %Q1 FY26-27
other investments(size)69712 INR_lakhs48690 INR_lakhsQ1 FY26-27
central govt. securities(size)25.4 %28.1 %Q1 FY26-27
aviation incurred claims ratio0.0 %85.7 %Q1 FY26-27
motor od combined ratio141.2 %135.5 %Q1 FY26-27
workmen's compensation segment premium(size)396 ₹ lakh2545 ₹ lakhQ1 FY26-27
crop insurance segment premium(size)4 ₹ lakh0 ₹ lakhQ1 FY26-27 / Q4 FY24-25
marine hull segment premium(size)2891 ₹ lakh7 ₹ lakhQ1 FY26-27
government securities(size)733841 INR_lakhs838284 INR_lakhsQ1 FY26-27
govt + approved securities(size)38.7 %36.9 %Q1 FY26-27
Corporate Agents – Others policies(size)370101 count228311 countQ1 FY26-27
required solvency margin(size)178009 ₹ lakh200837 ₹ lakhQ1 FY26-27
incurred claims ratio85.6 %73.3 %Q1 FY26-27
debt to equity ratio0.03 ×0.08 ×Q1 FY26-27 / Q4 FY25-26
health segment premium(size)19083 ₹ lakh38911 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)7.2 %4.2 %Q1 FY26-27
infrastructure & housing(size)370358 INR_lakhs680506 INR_lakhsQ1 FY26-27
Common Service Centres (CSC) premium(size)869 ₹ lakh442 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %0.0 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)22203 ₹ lakh28943 ₹ lakhQ1 FY26-27
motor TP segment premium(size)69798 ₹ lakh94973 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)35216 ₹ lakh13970 ₹ lakhQ1 FY26-27
fire combined ratio80.9 %56.8 %Q1 FY26-27
marine cargo incurred claims ratio77.3 %61.8 %Q1 FY26-27
net commission ratio(size)19.9 %29.4 %Q1 FY26-27
Common Service Centres (CSC) policies(size)21063 count28987 countQ1 FY26-27
crop incurred claims ratio7.1 %-70.0 %Q1 FY26-27
equity & preference shares(size)167481 INR_lakhs381576 INR_lakhsQ1 FY26-27
Individual Agents policies(size)22600 count148999 countQ1 FY26-27
Brokers policies(size)669428 count2801650 countQ1 FY26-27
liability incurred claims ratio96.8 %0.0 %Q1 FY26-27
Brokers premium(size)89864 ₹ lakh133957 ₹ lakhQ1 FY26-27
gross written premium(size)1860 ₹ crore8472 ₹ croreQ1 FY26-27 / FY25-03
gross yield (quarterly)7.19 %1.82 %Q1 FY26-27
Corporate Agents – Banks policies(size)345097 count6348 countQ1 FY26-27
personal accident combined ratio125.3 %91.2 %Q1 FY26-27
book value per share(size)114.30 ₹49.61 ₹Q1 FY26-27 / Q4 FY25-26
motor od incurred claims ratio86.3 %75.9 %Q1 FY26-27
travel combined ratio22.4 %112.8 %Q1 FY26-27
liability segment premium(size)790 ₹ lakh5 ₹ lakhQ1 FY26-27
fire incurred claims ratio84.2 %83.0 %Q1 FY26-27
marine hull combined ratio0.0 %0.0 %Q1 FY26-27
earnings per share(size)2.88 ₹1.62 ₹Q1 FY26-27 / Q4 FY25-26
gross yield (annualized)7.70 %7.43 %Q4 FY25-26
net yield (annualized)5.76 %6.40 %Q4 FY25-26
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY25-26 / Q4 FY25-26
Insurance Marketing Firm policies(size)0 count29611 countQ1 FY25-26 / Q1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY25-26 / Q4 FY25-26
Insurance Marketing Firm premium(size)0 ₹ lakh1932 ₹ lakhQ1 FY25-26 / Q1 FY26-27
claim settlement ratio74.5 %90.7 %FY24-25
claims repudiation ratio5.76 %2.97 %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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Digit General Insurance
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