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Chola MS General Insurance vs Tata AIG General Insurance: IRDAI Data Comparison

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

MetricChola MS General InsuranceTata AIG General InsurancePeriod
engineering combined ratio138.7 %171.0 %Q1 FY26-27
net retention ratio(size)66.5 %59.0 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh9368 ₹ lakhQ1 FY26-27
health incurred claims ratio103.6 %82.0 %Q1 FY26-27
health combined ratio122.3 %101.0 %Q1 FY26-27
MISP (Direct) policies(size)29694 count208206 countQ1 FY26-27
personal accident segment premium(size)7194 ₹ lakh6838 ₹ lakhQ1 FY26-27
other segment premium(size)997 ₹ lakh20479 ₹ lakhQ1 FY26-27
net yield (quarterly)5.38 %1.63 %Q1 FY26-27
crop combined ratio19.4 %-570.0 %Q1 FY26-27
expense ratio to gross premium36.1 %32.0 %Q1 FY26-27
Corporate Agents – Banks premium(size)17032 ₹ lakh26151 ₹ lakhQ1 FY26-27
real estate & subsidiaries(size)3033 INR_lakhs37531 INR_lakhsQ1 FY26-27
operating profit ratio4.3 %4.0 %Q1 FY26-27
combined ratio120.4 %111.0 %Q1 FY26-27
gross direct premium to net worth ratio(size)54.00 ×97.00 ×Q1 FY26-27
net earning ratio6.1 %5.0 %Q1 FY26-27
motor OD segment premium(size)57997 ₹ lakh123579 ₹ lakhQ1 FY26-27
motor tp combined ratio112.4 %115.0 %Q1 FY26-27
debentures & bonds(size)575389 INR_lakhs709686 INR_lakhsQ1 FY26-27
profit before tax(size)117 ₹ crore261 ₹ croreQ1 FY26-27
return on net worth2.5 %3.0 %Q1 FY26-27
available solvency margin(size)343228 ₹ lakh651816 ₹ lakhQ1 FY26-27
interest service coverage ratio56.25 ×24.51 ×Q1 FY26-27
housing & infrastructure(size)32.5 %16.0 %Q1 FY26-27
MISP (Direct) premium(size)401 ₹ lakh9417 ₹ lakhQ1 FY26-27
engineering segment premium(size)1434 ₹ lakh15485 ₹ lakhQ1 FY26-27
investment income ratio2.0 %2.0 %Q1 FY26-27
travel incurred claims ratio-20.0 %48.0 %Q1 FY26-27
Individual Agents premium(size)6823 ₹ lakh117253 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio84.4 %59.0 %Q1 FY26-27
expense ratio34.8 %37.0 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)127301 count531281 countQ1 FY26-27
net worth growth rate(size)2.6 %3.0 %Q1 FY26-27
travel segment premium(size)33 ₹ lakh15212 ₹ lakhQ1 FY26-27
profit after tax(size)86 ₹ crore195 ₹ croreQ1 FY26-27
workmen's compensation combined ratio103.8 %86.0 %Q1 FY26-27
gross direct premium growth rate(size)2.6 %34.0 %Q1 FY26-27
liability combined ratio164.1 %68.0 %Q1 FY26-27
solvency ratio1.93 ×1.84 ×Q1 FY26-27
debt service coverage ratio56.25 ×24.51 ×Q1 FY26-27
aviation combined ratio0.0 %32275.0 %Q1 FY26-27
marine cargo segment premium(size)6509 ₹ lakh25413 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)9.8 %6.0 %Q1 FY26-27
underwriting balance ratio-15.0 %-0.2 %Q1 FY26-27
fire segment premium(size)18866 ₹ lakh76072 ₹ lakhQ1 FY26-27
engineering incurred claims ratio106.1 %173.0 %Q1 FY26-27
marine cargo combined ratio100.0 %147.0 %Q1 FY26-27
personal accident incurred claims ratio28.0 %60.0 %Q1 FY26-27
workmen's compensation incurred claims ratio75.0 %50.0 %Q1 FY26-27
other investments(size)69712 INR_lakhs238487 INR_lakhsQ1 FY26-27
central govt. securities(size)25.4 %22.0 %Q1 FY26-27
liquid assets to liabilities ratio0.2 %0.2 %Q1 FY26-27
aviation incurred claims ratio0.0 %32150.0 %Q1 FY26-27
motor od combined ratio141.2 %138.0 %Q1 FY26-27
workmen's compensation segment premium(size)396 ₹ lakh2435 ₹ lakhQ1 FY26-27
crop insurance segment premium(size)4 ₹ lakh5 ₹ lakhQ1 FY26-27
marine hull segment premium(size)2891 ₹ lakh588 ₹ lakhQ1 FY26-27
government securities(size)733841 INR_lakhs1535427 INR_lakhsQ1 FY26-27
govt + approved securities(size)38.7 %40.0 %Q1 FY26-27
Corporate Agents – Others policies(size)370101 count716768 countQ1 FY26-27
required solvency margin(size)178009 ₹ lakh353769 ₹ lakhQ1 FY26-27
incurred claims ratio85.6 %74.0 %Q1 FY26-27
debt to equity ratio0.03 ×0.08 ×Q1 FY26-27
health segment premium(size)19083 ₹ lakh184202 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)7.2 %5.0 %Q1 FY26-27
infrastructure & housing(size)370358 INR_lakhs755625 INR_lakhsQ1 FY26-27
marine hull incurred claims ratio0.0 %100.0 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)22203 ₹ lakh43612 ₹ lakhQ1 FY26-27
motor TP segment premium(size)69798 ₹ lakh131029 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)35216 ₹ lakh29694 ₹ lakhQ1 FY26-27
fire combined ratio80.9 %79.0 %Q1 FY26-27
marine cargo incurred claims ratio77.3 %121.0 %Q1 FY26-27
net commission ratio(size)19.9 %20.0 %Q1 FY26-27
crop incurred claims ratio7.1 %128.0 %Q1 FY26-27
equity & preference shares(size)167481 INR_lakhs679771 INR_lakhsQ1 FY26-27
Individual Agents policies(size)22600 count692010 countQ1 FY26-27
Brokers policies(size)669428 count1680361 countQ1 FY26-27
liability incurred claims ratio96.8 %113.0 %Q1 FY26-27
Brokers premium(size)89864 ₹ lakh350032 ₹ lakhQ1 FY26-27
gross written premium(size)1860 ₹ crore17703 ₹ croreQ1 FY26-27 / FY25-03
gross yield (quarterly)7.19 %2.18 %Q1 FY26-27
Corporate Agents – Banks policies(size)345097 count239087 countQ1 FY26-27
personal accident combined ratio125.3 %83.0 %Q1 FY26-27
book value per share(size)114.30 ₹67.70 ₹Q1 FY26-27
motor od incurred claims ratio86.3 %89.0 %Q1 FY26-27
travel combined ratio22.4 %99.0 %Q1 FY26-27
liability segment premium(size)790 ₹ lakh33611 ₹ lakhQ1 FY26-27
fire incurred claims ratio84.2 %60.0 %Q1 FY26-27
marine hull combined ratio0.0 %-501.0 %Q1 FY26-27
gross yield (annualized)7.70 %7.80 %Q4 FY25-26
net yield (annualized)5.76 %5.81 %Q4 FY25-26
Insurance Marketing Firm policies(size)0 count33859 countQ1 FY25-26 / Q1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh3905 ₹ lakhQ1 FY25-26 / Q1 FY26-27
claim settlement ratio74.5 %80.2 %FY24-25
claims repudiation ratio5.76 %2.80 %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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Tata AIG General Insurance
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