Chola MS General Insurance vs United India Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Chola MS General Insurance | United India Insurance | Period |
|---|---|---|---|
| engineering combined ratio | 138.7 % | 97.9 % | Q1 FY26-27 / Q4 FY25-26 |
| net retention ratio(size) | 66.5 % | 71.9 % | Q1 FY26-27 |
| aviation segment premium(size) | 0 ₹ lakh | 542 ₹ lakh | Q1 FY26-27 |
| health incurred claims ratio | 103.6 % | 103.9 % | Q1 FY26-27 / Q4 FY25-26 |
| health combined ratio | 122.3 % | 132.0 % | Q1 FY26-27 / Q4 FY25-26 |
| MISP (Direct) policies(size) | 29694 count | 4495 count | Q1 FY26-27 |
| personal accident segment premium(size) | 7194 ₹ lakh | 7681 ₹ lakh | Q1 FY26-27 |
| net yield (quarterly) | 5.38 % | 5.92 % | Q1 FY26-27 |
| crop combined ratio | 19.4 % | 83.2 % | Q1 FY26-27 / Q4 FY25-26 |
| expense ratio to gross premium | 36.1 % | 27.3 % | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 17032 ₹ lakh | 980 ₹ lakh | Q1 FY26-27 |
| real estate & subsidiaries(size) | 3033 INR_lakhs | 0 INR_lakhs | Q1 FY26-27 |
| operating profit ratio | 4.3 % | -17.3 % | Q1 FY26-27 |
| combined ratio | 120.4 % | 139.1 % | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 54.00 × | -80.00 × | Q1 FY26-27 |
| net earning ratio | 6.1 % | -15.3 % | Q1 FY26-27 / Q4 FY25-26 |
| motor OD segment premium(size) | 57997 ₹ lakh | 47468 ₹ lakh | Q1 FY26-27 |
| motor tp combined ratio | 112.4 % | 157.7 % | Q1 FY26-27 / Q4 FY25-26 |
| debentures & bonds(size) | 575389 INR_lakhs | 233920 INR_lakhs | Q1 FY26-27 |
| profit before tax(size) | 117 ₹ crore | -809 ₹ crore | Q1 FY26-27 |
| available solvency margin(size) | 343228 ₹ lakh | -874629 ₹ lakh | Q1 FY26-27 |
| housing & infrastructure(size) | 32.5 % | 19.6 % | Q1 FY26-27 |
| MISP (Direct) premium(size) | 401 ₹ lakh | 612 ₹ lakh | Q1 FY26-27 |
| engineering segment premium(size) | 1434 ₹ lakh | 12861 ₹ lakh | Q1 FY26-27 |
| investment income ratio | 2.0 % | 8.9 % | Q1 FY26-27 |
| Individual Agents premium(size) | 6823 ₹ lakh | 186927 ₹ lakh | Q1 FY26-27 |
| motor tp incurred claims ratio | 84.4 % | 105.4 % | Q1 FY26-27 / Q4 FY25-26 |
| expense ratio | 34.8 % | 35.5 % | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 127301 count | 87834 count | Q1 FY26-27 |
| net worth growth rate(size) | 2.6 % | 0.0 % | Q1 FY26-27 |
| travel segment premium(size) | 33 ₹ lakh | 116 ₹ lakh | Q1 FY26-27 |
| profit after tax(size) | 86 ₹ crore | -809 ₹ crore | Q1 FY26-27 |
| workmen's compensation combined ratio | 103.8 % | 64.8 % | Q1 FY26-27 / Q4 FY25-26 |
| gross direct premium growth rate(size) | 2.6 % | -27.0 % | Q1 FY26-27 |
| liability combined ratio | 164.1 % | 96.5 % | Q1 FY26-27 / Q4 FY25-26 |
| solvency ratio | 1.93 × | -1.49 × | Q1 FY26-27 |
| aviation combined ratio | 0.0 % | 2328.7 % | Q1 FY26-27 / Q4 FY25-26 |
| marine cargo segment premium(size) | 6509 ₹ lakh | 6765 ₹ lakh | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 9.8 % | 9.0 % | Q1 FY26-27 |
| underwriting balance ratio | -15.0 % | -34.6 % | Q1 FY26-27 |
| fire segment premium(size) | 18866 ₹ lakh | 61685 ₹ lakh | Q1 FY26-27 |
| engineering incurred claims ratio | 106.1 % | 43.4 % | Q1 FY26-27 / Q4 FY25-26 |
| marine cargo combined ratio | 100.0 % | 108.4 % | Q1 FY26-27 / Q4 FY25-26 |
| personal accident incurred claims ratio | 28.0 % | 116.6 % | Q1 FY26-27 / Q4 FY25-26 |
| workmen's compensation incurred claims ratio | 75.0 % | 19.1 % | Q1 FY26-27 / Q4 FY25-26 |
| other investments(size) | 69712 INR_lakhs | 73696 INR_lakhs | Q1 FY26-27 |
| central govt. securities(size) | 25.4 % | 23.1 % | Q1 FY26-27 |
| aviation incurred claims ratio | 0.0 % | 1790.1 % | Q1 FY26-27 / Q4 FY25-26 |
| motor od combined ratio | 141.2 % | 143.8 % | Q1 FY26-27 / Q4 FY25-26 |
| workmen's compensation segment premium(size) | 396 ₹ lakh | 1922 ₹ lakh | Q1 FY26-27 |
| crop insurance segment premium(size) | 4 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| marine hull segment premium(size) | 2891 ₹ lakh | 5184 ₹ lakh | Q1 FY26-27 |
| government securities(size) | 733841 INR_lakhs | 1624959 INR_lakhs | Q1 FY26-27 |
| govt + approved securities(size) | 38.7 % | 49.1 % | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 370101 count | 50625 count | Q1 FY26-27 |
| required solvency margin(size) | 178009 ₹ lakh | 588214 ₹ lakh | Q1 FY26-27 |
| incurred claims ratio | 85.6 % | 103.6 % | Q1 FY26-27 |
| health segment premium(size) | 19083 ₹ lakh | 206119 ₹ lakh | Q1 FY26-27 |
| infrastructure & housing(size) | 370358 INR_lakhs | 763969 INR_lakhs | Q1 FY26-27 |
| Common Service Centres (CSC) premium(size) | 869 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| marine hull incurred claims ratio | 0.0 % | 21.2 % | Q1 FY26-27 / Q4 FY25-26 |
| Point of Sales Person (Direct) premium(size) | 22203 ₹ lakh | 5345 ₹ lakh | Q1 FY26-27 |
| motor TP segment premium(size) | 69798 ₹ lakh | 187028 ₹ lakh | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 35216 ₹ lakh | 1598 ₹ lakh | Q1 FY26-27 |
| fire combined ratio | 80.9 % | 176.5 % | Q1 FY26-27 / Q4 FY25-26 |
| marine cargo incurred claims ratio | 77.3 % | 68.7 % | Q1 FY26-27 / Q4 FY25-26 |
| net commission ratio(size) | 19.9 % | 18.3 % | Q1 FY26-27 |
| Common Service Centres (CSC) policies(size) | 21063 count | 1 count | Q1 FY26-27 |
| crop incurred claims ratio | 7.1 % | 63.6 % | Q1 FY26-27 / Q4 FY25-26 |
| equity & preference shares(size) | 167481 INR_lakhs | 805380 INR_lakhs | Q1 FY26-27 |
| Individual Agents policies(size) | 22600 count | 2597447 count | Q1 FY26-27 |
| Brokers policies(size) | 669428 count | 1143981 count | Q1 FY26-27 |
| liability incurred claims ratio | 96.8 % | 42.2 % | Q1 FY26-27 / Q4 FY25-26 |
| Brokers premium(size) | 89864 ₹ lakh | 226344 ₹ lakh | Q1 FY26-27 |
| gross written premium(size) | 1860 ₹ crore | 20072 ₹ crore | Q1 FY26-27 / FY25-03 |
| gross yield (quarterly) | 7.19 % | 8.97 % | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 345097 count | 34735 count | Q1 FY26-27 |
| personal accident combined ratio | 125.3 % | 151.3 % | Q1 FY26-27 / Q4 FY25-26 |
| book value per share(size) | 114.30 ₹ | -15.98 ₹ | Q1 FY26-27 / Q4 FY25-26 |
| motor od incurred claims ratio | 86.3 % | 98.5 % | Q1 FY26-27 / Q4 FY25-26 |
| liability segment premium(size) | 790 ₹ lakh | 8837 ₹ lakh | Q1 FY26-27 |
| fire incurred claims ratio | 84.2 % | 107.6 % | Q1 FY26-27 / Q4 FY25-26 |
| marine hull combined ratio | 0.0 % | 70.3 % | Q1 FY26-27 / Q4 FY25-26 |
| earnings per share(size) | 2.88 ₹ | -12.39 ₹ | Q1 FY26-27 / Q4 FY25-26 |
| gross yield (annualized) | 7.70 % | 10.35 % | Q4 FY25-26 / FY25-26 |
| net yield (annualized) | 5.76 % | 6.83 % | Q4 FY25-26 / FY25-26 |
| Micro Agents premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q1 FY25-26 / Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 0 count | 7461 count | Q1 FY25-26 / Q1 FY26-27 |
| Micro Agents policies(size) | 0 count | 0 count | Q1 FY25-26 / Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 0 ₹ lakh | 600 ₹ lakh | Q1 FY25-26 / Q1 FY26-27 |
| claim settlement ratio | 74.5 % | 84.9 % | FY24-25 |
| claims repudiation ratio | 5.76 % | 3.96 % | FY24-25 |
| gross NPA ratio | 14.00 % | 1.00 % | Q4 FY22-23 / Q4 FY25-26 |
| net NPA ratio | 9.00 % | 0.00 % | Q3 FY22-23 / Q4 FY25-26 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.