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Chola MS General Insurance vs ICICI Lombard General Insurance: IRDAI Data Comparison

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

MetricChola MS General InsuranceICICI Lombard General InsurancePeriod
engineering combined ratio138.7 %85.2 %Q1 FY26-27
net retention ratio(size)66.5 %74.5 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh2806 ₹ lakhQ1 FY26-27
health incurred claims ratio103.6 %86.0 %Q1 FY26-27
health combined ratio122.3 %109.7 %Q1 FY26-27
MISP (Direct) policies(size)29694 count1496026 countQ1 FY26-27
personal accident segment premium(size)7194 ₹ lakh16238 ₹ lakhQ1 FY26-27
other segment premium(size)997 ₹ lakh38788 ₹ lakhQ1 FY26-27
net yield (quarterly)5.38 %1.28 %Q1 FY26-27
crop combined ratio19.4 %-359.1 %Q1 FY26-27
expense ratio to gross premium36.1 %28.8 %Q1 FY26-27
Corporate Agents – Banks premium(size)17032 ₹ lakh70235 ₹ lakhQ1 FY26-27
real estate & subsidiaries(size)3033 INR_lakhs8318 INR_lakhsQ1 FY26-27
operating profit ratio4.3 %3.9 %Q1 FY26-27
combined ratio120.4 %107.2 %Q1 FY26-27
gross direct premium to net worth ratio(size)54.00 ×50.00 ×Q1 FY26-27
net earning ratio6.1 %6.8 %Q1 FY26-27
motor OD segment premium(size)57997 ₹ lakh140228 ₹ lakhQ1 FY26-27
motor tp combined ratio112.4 %98.3 %Q1 FY26-27
debentures & bonds(size)575389 INR_lakhs1372814 INR_lakhsQ1 FY26-27
profit before tax(size)117 ₹ crore536 ₹ croreQ1 FY26-27
return on net worth2.5 %2.4 %Q1 FY26-27
available solvency margin(size)343228 ₹ lakh1501016 ₹ lakhQ1 FY26-27
interest service coverage ratio56.25 ×0.00 ×Q1 FY26-27
housing & infrastructure(size)32.5 %19.0 %Q1 FY26-27
MISP (Direct) premium(size)401 ₹ lakh21285 ₹ lakhQ1 FY26-27
engineering segment premium(size)1434 ₹ lakh33811 ₹ lakhQ1 FY26-27
investment income ratio2.0 %1.9 %Q1 FY26-27
travel incurred claims ratio-20.0 %56.0 %Q1 FY26-27
Individual Agents premium(size)6823 ₹ lakh98119 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio84.4 %71.0 %Q1 FY26-27
expense ratio34.8 %36.2 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)127301 count803441 countQ1 FY26-27
net worth growth rate(size)2.6 %0.9 %Q1 FY26-27
travel segment premium(size)33 ₹ lakh8634 ₹ lakhQ1 FY26-27
profit after tax(size)86 ₹ crore403 ₹ croreQ1 FY26-27
workmen's compensation combined ratio103.8 %107.0 %Q1 FY26-27
gross direct premium growth rate(size)2.6 %7.5 %Q1 FY26-27
liability combined ratio164.1 %100.4 %Q1 FY26-27
solvency ratio1.93 ×2.00 ×Q1 FY26-27
debt service coverage ratio56.25 ×0.00 ×Q1 FY26-27
aviation combined ratio0.0 %58.2 %Q1 FY26-27
marine cargo segment premium(size)6509 ₹ lakh32076 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)9.8 %7.4 %Q1 FY26-27
underwriting balance ratio-15.0 %-0.1 %Q1 FY26-27
fire segment premium(size)18866 ₹ lakh99719 ₹ lakhQ1 FY26-27
engineering incurred claims ratio106.1 %87.0 %Q1 FY26-27
marine cargo combined ratio100.0 %109.3 %Q1 FY26-27
personal accident incurred claims ratio28.0 %55.0 %Q1 FY26-27
workmen's compensation incurred claims ratio75.0 %59.0 %Q1 FY26-27
other investments(size)69712 INR_lakhs206438 INR_lakhsQ1 FY26-27
central govt. securities(size)25.4 %22.0 %Q1 FY26-27
liquid assets to liabilities ratio0.2 %0.1 %Q1 FY26-27
aviation incurred claims ratio0.0 %48.0 %Q1 FY26-27
motor od combined ratio141.2 %118.1 %Q1 FY26-27
workmen's compensation segment premium(size)396 ₹ lakh5639 ₹ lakhQ1 FY26-27
crop insurance segment premium(size)4 ₹ lakh1830 ₹ lakhQ1 FY26-27
marine hull segment premium(size)2891 ₹ lakh4343 ₹ lakhQ1 FY26-27
government securities(size)733841 INR_lakhs2159709 INR_lakhsQ1 FY26-27
govt + approved securities(size)38.7 %36.0 %Q1 FY26-27
Corporate Agents – Others policies(size)370101 count663511 countQ1 FY26-27
required solvency margin(size)178009 ₹ lakh556784 ₹ lakhQ1 FY26-27
incurred claims ratio85.6 %76.4 %Q1 FY26-27
debt to equity ratio0.03 ×0.00 ×Q1 FY26-27
health segment premium(size)19083 ₹ lakh297384 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)7.2 %7.6 %Q1 FY26-27
infrastructure & housing(size)370358 INR_lakhs1106060 INR_lakhsQ1 FY26-27
Common Service Centres (CSC) premium(size)869 ₹ lakh90 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %52.0 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)22203 ₹ lakh25909 ₹ lakhQ1 FY26-27
motor TP segment premium(size)69798 ₹ lakh138383 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)35216 ₹ lakh13241 ₹ lakhQ1 FY26-27
fire combined ratio80.9 %120.5 %Q1 FY26-27
marine cargo incurred claims ratio77.3 %83.0 %Q1 FY26-27
net commission ratio(size)19.9 %18.9 %Q1 FY26-27
Common Service Centres (CSC) policies(size)21063 count5216 countQ1 FY26-27
crop incurred claims ratio7.1 %-335.0 %Q1 FY26-27
equity & preference shares(size)167481 INR_lakhs820242 INR_lakhsQ1 FY26-27
Individual Agents policies(size)22600 count666612 countQ1 FY26-27
Brokers policies(size)669428 count4944886 countQ1 FY26-27
liability incurred claims ratio96.8 %47.0 %Q1 FY26-27
Brokers premium(size)89864 ₹ lakh478325 ₹ lakhQ1 FY26-27
gross written premium(size)1860 ₹ crore28712 ₹ croreQ1 FY26-27 / Q4 FY25-26
gross yield (quarterly)7.19 %1.89 %Q1 FY26-27
Corporate Agents – Banks policies(size)345097 count920450 countQ1 FY26-27
personal accident combined ratio125.3 %63.2 %Q1 FY26-27
book value per share(size)114.30 ₹340.46 ₹Q1 FY26-27
motor od incurred claims ratio86.3 %68.0 %Q1 FY26-27
travel combined ratio22.4 %107.5 %Q1 FY26-27
liability segment premium(size)790 ₹ lakh3592 ₹ lakhQ1 FY26-27
fire incurred claims ratio84.2 %118.0 %Q1 FY26-27
marine hull combined ratio0.0 %40.9 %Q1 FY26-27
gross yield (annualized)7.70 %8.18 %Q4 FY25-26
net yield (annualized)5.76 %5.52 %Q4 FY25-26
Insurance Marketing Firm policies(size)0 count44394 countQ1 FY25-26 / Q1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh2274 ₹ lakhQ1 FY25-26 / Q1 FY26-27
claim settlement ratio74.5 %81.0 %FY24-25
claims repudiation ratio5.76 %8.28 %FY24-25

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

Individual profiles

Chola MS General Insurance
All IRDAI metrics →
ICICI Lombard General Insurance
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