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Chola MS General Insurance vs Oriental Insurance Company: IRDAI Data Comparison

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

MetricChola MS General InsuranceOriental Insurance CompanyPeriod
engineering combined ratio138.7 %74.9 %Q1 FY26-27
net retention ratio(size)66.5 %6974.0 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh3844 ₹ lakhQ1 FY26-27
health incurred claims ratio103.6 %95.5 %Q1 FY26-27
health combined ratio122.3 %109.6 %Q1 FY26-27
MISP (Direct) policies(size)29694 count82951 countQ1 FY26-27
personal accident segment premium(size)7194 ₹ lakh220939 ₹ lakhQ1 FY26-27
other segment premium(size)997 ₹ lakh12943 ₹ lakhQ1 FY26-27
net yield (quarterly)5.38 %5.82 %Q1 FY26-27
crop combined ratio19.4 %233.8 %Q1 FY26-27
expense ratio to gross premium36.1 %15.5 %Q1 FY26-27
Corporate Agents – Banks premium(size)17032 ₹ lakh5572 ₹ lakhQ1 FY26-27
real estate & subsidiaries(size)3033 INR_lakhs5 INR_lakhsQ1 FY26-27
operating profit ratio4.3 %-760.0 %Q1 FY26-27
combined ratio120.4 %11916.0 %Q1 FY26-27
gross direct premium to net worth ratio(size)54.00 ×-78.00 ×Q1 FY26-27
net earning ratio6.1 %-767.0 %Q1 FY26-27
motor OD segment premium(size)57997 ₹ lakh28024 ₹ lakhQ1 FY26-27
motor tp combined ratio112.4 %198.5 %Q1 FY26-27
debentures & bonds(size)575389 INR_lakhs113014 INR_lakhsQ1 FY26-27
profit before tax(size)117 ₹ crore-340 ₹ croreQ1 FY26-27
return on net worth2.5 %4.2 %Q1 FY26-27
available solvency margin(size)343228 ₹ lakh-998362 ₹ lakhQ1 FY26-27
housing & infrastructure(size)32.5 %17.3 %Q1 FY26-27
MISP (Direct) premium(size)401 ₹ lakh2015 ₹ lakhQ1 FY26-27
engineering segment premium(size)1434 ₹ lakh11513 ₹ lakhQ1 FY26-27
investment income ratio2.0 %0.0 %Q1 FY26-27
travel incurred claims ratio-20.0 %0.0 %Q1 FY26-27
Individual Agents premium(size)6823 ₹ lakh114281 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio84.4 %168.5 %Q1 FY26-27
expense ratio34.8 %19.1 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)127301 count126089 countQ1 FY26-27
net worth growth rate(size)2.6 %11532.0 %Q1 FY26-27
travel segment premium(size)33 ₹ lakh0 ₹ lakhQ1 FY26-27
profit after tax(size)86 ₹ crore-340 ₹ croreQ1 FY26-27
workmen's compensation combined ratio103.8 %91.0 %Q1 FY26-27
gross direct premium growth rate(size)2.6 %484.0 %Q1 FY26-27
liability combined ratio164.1 %41.6 %Q1 FY26-27
solvency ratio1.93 ×-1.70 ×Q1 FY26-27
aviation combined ratio0.0 %162.7 %Q1 FY26-27
marine cargo segment premium(size)6509 ₹ lakh11763 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)9.8 %6.9 %Q1 FY26-27
underwriting balance ratio-15.0 %-19.0 %Q1 FY26-27
fire segment premium(size)18866 ₹ lakh44889 ₹ lakhQ1 FY26-27
engineering incurred claims ratio106.1 %56.8 %Q1 FY26-27
marine cargo combined ratio100.0 %83.6 %Q1 FY26-27
personal accident incurred claims ratio28.0 %72.5 %Q1 FY26-27
workmen's compensation incurred claims ratio75.0 %67.3 %Q1 FY26-27
other investments(size)69712 INR_lakhs68227 INR_lakhsQ1 FY26-27
central govt. securities(size)25.4 %24.1 %Q1 FY26-27
liquid assets to liabilities ratio0.2 %0.1 %Q1 FY26-27
aviation incurred claims ratio0.0 %135.6 %Q1 FY26-27
motor od combined ratio141.2 %141.4 %Q1 FY26-27
workmen's compensation segment premium(size)396 ₹ lakh1417 ₹ lakhQ1 FY26-27
crop insurance segment premium(size)4 ₹ lakh34 ₹ lakhQ1 FY26-27
marine hull segment premium(size)2891 ₹ lakh8707 ₹ lakhQ1 FY26-27
government securities(size)733841 INR_lakhs1142392 INR_lakhsQ1 FY26-27
govt + approved securities(size)38.7 %56.5 %Q1 FY26-27
Corporate Agents – Others policies(size)370101 count18408 countQ1 FY26-27
required solvency margin(size)178009 ₹ lakh587764 ₹ lakhQ1 FY26-27
incurred claims ratio85.6 %10011.0 %Q1 FY26-27
debt to equity ratio0.03 ×1.48 ×Q1 FY26-27 / Q1 FY22-23
health segment premium(size)19083 ₹ lakh220179 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)7.2 %13.6 %Q1 FY26-27
infrastructure & housing(size)370358 INR_lakhs508049 INR_lakhsQ1 FY26-27
Common Service Centres (CSC) premium(size)869 ₹ lakh0 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %70.7 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)22203 ₹ lakh9562 ₹ lakhQ1 FY26-27
motor TP segment premium(size)69798 ₹ lakh61082 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)35216 ₹ lakh1425 ₹ lakhQ1 FY26-27
fire combined ratio80.9 %145.6 %Q1 FY26-27
marine cargo incurred claims ratio77.3 %61.8 %Q1 FY26-27
net commission ratio(size)19.9 %766.0 %Q1 FY26-27
Common Service Centres (CSC) policies(size)21063 count0 countQ1 FY26-27
crop incurred claims ratio7.1 %179.0 %Q1 FY26-27
equity & preference shares(size)167481 INR_lakhs729157 INR_lakhsQ1 FY26-27
Individual Agents policies(size)22600 count743681 countQ1 FY26-27
Brokers policies(size)669428 count572387 countQ1 FY26-27
liability incurred claims ratio96.8 %19.7 %Q1 FY26-27
Brokers premium(size)89864 ₹ lakh389890 ₹ lakhQ1 FY26-27
gross written premium(size)1860 ₹ crore11858 ₹ croreQ1 FY26-27
gross yield (quarterly)7.19 %8.94 %Q1 FY26-27
Corporate Agents – Banks policies(size)345097 count53956 countQ1 FY26-27
personal accident combined ratio125.3 %88.2 %Q1 FY26-27
book value per share(size)114.30 ₹1.10 ₹Q1 FY26-27 / Q1 FY22-23
motor od incurred claims ratio86.3 %116.5 %Q1 FY26-27
travel combined ratio22.4 %0.0 %Q1 FY26-27
liability segment premium(size)790 ₹ lakh2838 ₹ lakhQ1 FY26-27
fire incurred claims ratio84.2 %95.6 %Q1 FY26-27
marine hull combined ratio0.0 %89.0 %Q1 FY26-27
earnings per share(size)2.88 ₹-0.20 ₹Q1 FY26-27 / Q1 FY22-23
Micro Agents premium(size)0 ₹ lakh4 ₹ lakhQ1 FY25-26 / Q1 FY26-27
Insurance Marketing Firm policies(size)0 count90 countQ1 FY25-26 / Q1 FY26-27
Micro Agents policies(size)0 count45 countQ1 FY25-26 / Q1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh918 ₹ lakhQ1 FY25-26 / Q1 FY26-27
claim settlement ratio74.5 %85.5 %FY24-25
claims repudiation ratio5.76 %0.34 %FY24-25
gross NPA ratio14.00 %1.93 %Q4 FY22-23 / Q1 FY22-23
net NPA ratio9.00 %0.00 %Q3 FY22-23 / Q1 FY22-23

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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Oriental Insurance Company
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