Chola MS General Insurance vs Zurich Kotak General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Chola MS General Insurance | Zurich Kotak General Insurance | Period |
|---|---|---|---|
| engineering combined ratio | 138.7 % | 85.0 % | Q1 FY26-27 |
| net retention ratio(size) | 66.5 % | 73.0 % | Q1 FY26-27 |
| aviation segment premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| health incurred claims ratio | 103.6 % | 77.0 % | Q1 FY26-27 |
| health combined ratio | 122.3 % | 115.0 % | Q1 FY26-27 |
| MISP (Direct) policies(size) | 29694 count | 41 count | Q1 FY26-27 |
| personal accident segment premium(size) | 7194 ₹ lakh | 1622 ₹ lakh | Q1 FY26-27 |
| other segment premium(size) | 997 ₹ lakh | 1807 ₹ lakh | Q1 FY26-27 |
| net yield (quarterly) | 5.38 % | 7.04 % | Q1 FY26-27 |
| expense ratio to gross premium | 36.1 % | 37.0 % | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 17032 ₹ lakh | 11060 ₹ lakh | Q1 FY26-27 |
| operating profit ratio | 4.3 % | -23.0 % | Q1 FY26-27 |
| combined ratio | 120.4 % | 132.0 % | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 54.00 × | 41.00 × | Q1 FY26-27 |
| net earning ratio | 6.1 % | -22.0 % | Q1 FY26-27 / Q4 FY25-26 |
| motor OD segment premium(size) | 57997 ₹ lakh | 12994 ₹ lakh | Q1 FY26-27 |
| motor tp combined ratio | 112.4 % | 150.0 % | Q1 FY26-27 |
| debentures & bonds(size) | 575389 INR_lakhs | 117050 INR_lakhs | Q1 FY26-27 |
| profit before tax(size) | 117 ₹ crore | -64 ₹ crore | Q1 FY26-27 |
| housing & infrastructure(size) | 32.5 % | 37.1 % | Q1 FY26-27 |
| MISP (Direct) premium(size) | 401 ₹ lakh | 6 ₹ lakh | Q1 FY26-27 |
| engineering segment premium(size) | 1434 ₹ lakh | 970 ₹ lakh | Q1 FY26-27 |
| investment income ratio | 2.0 % | 7.0 % | Q1 FY26-27 |
| travel incurred claims ratio | -20.0 % | 102.0 % | Q1 FY26-27 |
| Individual Agents premium(size) | 6823 ₹ lakh | 1563 ₹ lakh | Q1 FY26-27 |
| motor tp incurred claims ratio | 84.4 % | 106.0 % | Q1 FY26-27 |
| expense ratio | 34.8 % | 46.0 % | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 127301 count | 15038 count | Q1 FY26-27 |
| net worth growth rate(size) | 2.6 % | -17.0 % | Q1 FY26-27 |
| travel segment premium(size) | 33 ₹ lakh | 229 ₹ lakh | Q1 FY26-27 |
| profit after tax(size) | 86 ₹ crore | -64 ₹ crore | Q1 FY26-27 |
| workmen's compensation combined ratio | 103.8 % | 63.0 % | Q1 FY26-27 |
| gross direct premium growth rate(size) | 2.6 % | 9.0 % | Q1 FY26-27 |
| liability combined ratio | 164.1 % | 118.0 % | Q1 FY26-27 |
| solvency ratio | 1.93 × | 2.84 × | Q1 FY26-27 |
| marine cargo segment premium(size) | 6509 ₹ lakh | 3288 ₹ lakh | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 9.8 % | 5.4 % | Q1 FY26-27 |
| underwriting balance ratio | -15.0 % | -36.0 % | Q1 FY26-27 |
| fire segment premium(size) | 18866 ₹ lakh | 6360 ₹ lakh | Q1 FY26-27 |
| engineering incurred claims ratio | 106.1 % | 26.0 % | Q1 FY26-27 |
| marine cargo combined ratio | 100.0 % | 198.0 % | Q1 FY26-27 |
| personal accident incurred claims ratio | 28.0 % | 33.0 % | Q1 FY26-27 |
| workmen's compensation incurred claims ratio | 75.0 % | 24.0 % | Q1 FY26-27 |
| other investments(size) | 69712 INR_lakhs | 24617 INR_lakhs | Q1 FY26-27 |
| central govt. securities(size) | 25.4 % | 21.9 % | Q1 FY26-27 |
| motor od combined ratio | 141.2 % | 147.0 % | Q1 FY26-27 |
| workmen's compensation segment premium(size) | 396 ₹ lakh | 278 ₹ lakh | Q1 FY26-27 |
| crop insurance segment premium(size) | 4 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| marine hull segment premium(size) | 2891 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| government securities(size) | 733841 INR_lakhs | 154635 INR_lakhs | Q1 FY26-27 |
| govt + approved securities(size) | 38.7 % | 32.8 % | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 370101 count | 20705 count | Q1 FY26-27 |
| incurred claims ratio | 85.6 % | 86.0 % | Q1 FY26-27 |
| health segment premium(size) | 19083 ₹ lakh | 19221 ₹ lakh | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 7.2 % | 12.0 % | Q1 FY26-27 |
| infrastructure & housing(size) | 370358 INR_lakhs | 174877 INR_lakhs | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 22203 ₹ lakh | 2022 ₹ lakh | Q1 FY26-27 |
| motor TP segment premium(size) | 69798 ₹ lakh | 11513 ₹ lakh | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 35216 ₹ lakh | 3788 ₹ lakh | Q1 FY26-27 |
| fire combined ratio | 80.9 % | 80.0 % | Q1 FY26-27 |
| marine cargo incurred claims ratio | 77.3 % | 126.0 % | Q1 FY26-27 |
| net commission ratio(size) | 19.9 % | 21.0 % | Q1 FY26-27 |
| Individual Agents policies(size) | 22600 count | 6676 count | Q1 FY26-27 |
| Brokers policies(size) | 669428 count | 326637 count | Q1 FY26-27 |
| liability incurred claims ratio | 96.8 % | 72.0 % | Q1 FY26-27 |
| Brokers premium(size) | 89864 ₹ lakh | 39676 ₹ lakh | Q1 FY26-27 |
| gross written premium(size) | 1860 ₹ crore | 625 ₹ crore | Q1 FY26-27 |
| gross yield (quarterly) | 7.19 % | 7.04 % | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 345097 count | 26983 count | Q1 FY26-27 |
| personal accident combined ratio | 125.3 % | 87.0 % | Q1 FY26-27 |
| book value per share(size) | 114.30 ₹ | 14.75 ₹ | Q1 FY26-27 / Q4 FY25-26 |
| motor od incurred claims ratio | 86.3 % | 92.0 % | Q1 FY26-27 |
| travel combined ratio | 22.4 % | 222.0 % | Q1 FY26-27 |
| liability segment premium(size) | 790 ₹ lakh | 4210 ₹ lakh | Q1 FY26-27 |
| fire incurred claims ratio | 84.2 % | 42.0 % | Q1 FY26-27 |
| earnings per share(size) | 2.88 ₹ | -0.93 ₹ | Q1 FY26-27 / Q4 FY25-26 |
| gross yield (annualized) | 7.70 % | 7.39 % | Q4 FY25-26 / FY25-26 |
| net yield (annualized) | 5.76 % | 7.39 % | Q4 FY25-26 / FY25-26 |
| Micro Agents premium(size) | 0 ₹ lakh | 6 ₹ lakh | Q1 FY25-26 / Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 0 count | 765 count | Q1 FY25-26 / Q1 FY26-27 |
| Micro Agents policies(size) | 0 count | 4 count | Q1 FY25-26 / Q4 FY25-26 |
| Insurance Marketing Firm premium(size) | 0 ₹ lakh | 65 ₹ lakh | Q1 FY25-26 / Q1 FY26-27 |
| claim settlement ratio | 74.5 % | 80.2 % | FY24-25 / Q3 FY25-26 |
| claims repudiation ratio | 5.76 % | 3.79 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.