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Chola MS General Insurance vs HDFC ERGO General Insurance: IRDAI Data Comparison

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

MetricChola MS General InsuranceHDFC ERGO General InsurancePeriod
engineering combined ratio138.7 %141.9 %Q1 FY26-27
net retention ratio(size)66.5 %44.8 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh455 ₹ lakhQ1 FY26-27
health incurred claims ratio103.6 %90.8 %Q1 FY26-27
health combined ratio122.3 %105.5 %Q1 FY26-27
MISP (Direct) policies(size)29694 count156053 countQ1 FY26-27
personal accident segment premium(size)7194 ₹ lakh19680 ₹ lakhQ1 FY26-27
other segment premium(size)997 ₹ lakh30587 ₹ lakhQ1 FY26-27
crop combined ratio19.4 %327.3 %Q1 FY26-27
expense ratio to gross premium36.1 %31.8 %Q1 FY26-27
Corporate Agents – Banks premium(size)17032 ₹ lakh43666 ₹ lakhQ1 FY26-27
operating profit ratio4.3 %12.3 %Q1 FY26-27
combined ratio120.4 %110.6 %Q1 FY26-27
gross direct premium to net worth ratio(size)54.00 ×72.00 ×Q1 FY26-27
net earning ratio6.1 %12.4 %Q1 FY26-27 / Q1 FY25-26
motor OD segment premium(size)57997 ₹ lakh54367 ₹ lakhQ1 FY26-27
motor tp combined ratio112.4 %135.8 %Q1 FY26-27
debentures & bonds(size)575389 INR_lakhs342633 INR_lakhsQ1 FY26-27
profit before tax(size)117 ₹ crore292 ₹ croreQ1 FY26-27
available solvency margin(size)343228 ₹ lakh611446 ₹ lakhQ1 FY26-27 / Q1 FY25-26
housing & infrastructure(size)32.5 %29.0 %Q1 FY26-27
MISP (Direct) premium(size)401 ₹ lakh2214 ₹ lakhQ1 FY26-27
engineering segment premium(size)1434 ₹ lakh10406 ₹ lakhQ1 FY26-27
investment income ratio2.0 %1.9 %Q1 FY26-27
travel incurred claims ratio-20.0 %55.8 %Q1 FY26-27
Individual Agents premium(size)6823 ₹ lakh96034 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio84.4 %95.0 %Q1 FY26-27
expense ratio34.8 %23.1 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)127301 count41840 countQ1 FY26-27
net worth growth rate(size)2.6 %13.3 %Q1 FY26-27
travel segment premium(size)33 ₹ lakh2337 ₹ lakhQ1 FY26-27
profit after tax(size)86 ₹ crore220 ₹ croreQ1 FY26-27
workmen's compensation combined ratio103.8 %113.7 %Q1 FY26-27
gross direct premium growth rate(size)2.6 %20.6 %Q1 FY26-27
liability combined ratio164.1 %-70.2 %Q1 FY26-27
solvency ratio1.93 ×2.18 ×Q1 FY26-27
aviation combined ratio0.0 %1103.2 %Q1 FY26-27
marine cargo segment premium(size)6509 ₹ lakh7067 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)9.8 %8.8 %Q1 FY26-27
underwriting balance ratio-15.0 %-13.0 %Q1 FY26-27
fire segment premium(size)18866 ₹ lakh52442 ₹ lakhQ1 FY26-27
engineering incurred claims ratio106.1 %120.9 %Q1 FY26-27
marine cargo combined ratio100.0 %122.0 %Q1 FY26-27
personal accident incurred claims ratio28.0 %39.8 %Q1 FY26-27
workmen's compensation incurred claims ratio75.0 %82.1 %Q1 FY26-27
other investments(size)69712 INR_lakhs181546 INR_lakhsQ1 FY26-27
central govt. securities(size)25.4 %21.0 %Q1 FY26-27
aviation incurred claims ratio0.0 %101.9 %Q1 FY26-27
motor od combined ratio141.2 %220.8 %Q1 FY26-27
workmen's compensation segment premium(size)396 ₹ lakh1455 ₹ lakhQ1 FY26-27
crop insurance segment premium(size)4 ₹ lakh2154 ₹ lakhQ1 FY26-27
marine hull segment premium(size)2891 ₹ lakh330 ₹ lakhQ1 FY26-27
government securities(size)733841 INR_lakhs659572 INR_lakhsQ1 FY26-27
govt + approved securities(size)38.7 %39.0 %Q1 FY26-27
Corporate Agents – Others policies(size)370101 count697055 countQ1 FY26-27
required solvency margin(size)178009 ₹ lakh296136 ₹ lakhQ1 FY26-27 / Q1 FY25-26
incurred claims ratio85.6 %87.5 %Q1 FY26-27
debt to equity ratio0.03 ×0.28 ×Q1 FY26-27 / Q1 FY25-26
health segment premium(size)19083 ₹ lakh196532 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)7.2 %6.0 %Q1 FY26-27
infrastructure & housing(size)370358 INR_lakhs826433 INR_lakhsQ1 FY26-27
Common Service Centres (CSC) premium(size)869 ₹ lakh537 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %80.0 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)22203 ₹ lakh3130 ₹ lakhQ1 FY26-27
motor TP segment premium(size)69798 ₹ lakh34409 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)35216 ₹ lakh14865 ₹ lakhQ1 FY26-27
fire combined ratio80.9 %19.1 %Q1 FY26-27
marine cargo incurred claims ratio77.3 %100.0 %Q1 FY26-27
net commission ratio(size)19.9 %-6.3 %Q1 FY26-27
Common Service Centres (CSC) policies(size)21063 count11146 countQ1 FY26-27
crop incurred claims ratio7.1 %105.5 %Q1 FY26-27
equity & preference shares(size)167481 INR_lakhs409656 INR_lakhsQ1 FY26-27
Individual Agents policies(size)22600 count379289 countQ1 FY26-27
Brokers policies(size)669428 count1365293 countQ1 FY26-27
liability incurred claims ratio96.8 %-72.0 %Q1 FY26-27
Brokers premium(size)89864 ₹ lakh188322 ₹ lakhQ1 FY26-27
gross written premium(size)1860 ₹ crore15025 ₹ croreQ1 FY26-27 / Q4 FY25-26
gross yield (quarterly)7.19 %1.90 %Q1 FY26-27
Corporate Agents – Banks policies(size)345097 count5266250 countQ1 FY26-27
personal accident combined ratio125.3 %16.7 %Q1 FY26-27
book value per share(size)114.30 ₹69.85 ₹Q1 FY26-27 / Q1 FY25-26
motor od incurred claims ratio86.3 %69.1 %Q1 FY26-27
travel combined ratio22.4 %107.0 %Q1 FY26-27
liability segment premium(size)790 ₹ lakh307 ₹ lakhQ1 FY26-27
fire incurred claims ratio84.2 %95.5 %Q1 FY26-27
marine hull combined ratio0.0 %2317.9 %Q1 FY26-27
earnings per share(size)2.88 ₹2.86 ₹Q1 FY26-27 / Q1 FY25-26
gross yield (annualized)7.70 %8.20 %Q4 FY25-26
Insurance Marketing Firm policies(size)0 count8180 countQ1 FY25-26 / Q1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh1236 ₹ lakhQ1 FY25-26 / Q1 FY26-27
claim settlement ratio74.5 %93.5 %FY24-25
claims repudiation ratio5.76 %1.59 %FY24-25
gross NPA ratio14.00 %0.59 %Q4 FY22-23 / Q1 FY25-26
net NPA ratio9.00 %0.00 %Q3 FY22-23 / Q1 FY25-26

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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HDFC ERGO General Insurance
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