Generali Central Insurance (formerly Future Generali) vs Digit General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Generali Central Insurance (formerly Future Generali) | Digit General Insurance | Period |
|---|---|---|---|
| profit before tax(size) | -112 ₹ crore | 115 ₹ crore | Q1 FY26-27 |
| engineering combined ratio | 205.0 % | 38.1 % | Q1 FY26-27 |
| underwriting balance ratio | -29.5 % | -14.0 % | Q1 FY26-27 |
| Individual Agents policies(size) | 82090 count | 148999 count | Q1 FY26-27 |
| liability incurred claims ratio | -5.0 % | 0.0 % | Q1 FY26-27 |
| aviation combined ratio | 0.0 % | 82.1 % | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 3454 ₹ lakh | 13970 ₹ lakh | Q1 FY26-27 |
| fire segment premium(size) | 15519 ₹ lakh | 16719 ₹ lakh | Q1 FY26-27 |
| engineering segment premium(size) | 3438 ₹ lakh | 6956 ₹ lakh | Q1 FY26-27 |
| profit after tax(size) | -84 ₹ crore | 86 ₹ crore | Q1 FY26-27 |
| net commission ratio(size) | 21.2 % | 29.4 % | Q1 FY26-27 |
| health combined ratio | 103.0 % | 108.4 % | Q1 FY26-27 |
| crop insurance segment premium(size) | -155 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 / Q4 FY24-25 |
| workmen's compensation incurred claims ratio | 135.0 % | 69.8 % | Q1 FY26-27 |
| fire incurred claims ratio | 137.0 % | 83.0 % | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 78.90 × | 52.00 × | Q1 FY26-27 |
| government securities(size) | 386901 INR_lakhs | 838284 INR_lakhs | Q1 FY26-27 |
| central govt. securities(size) | 24.3 % | 28.1 % | Q1 FY26-27 |
| combined ratio | 127.9 % | 112.4 % | Q1 FY26-27 |
| net worth growth rate(size) | -6.8 % | 12.0 % | Q1 FY26-27 |
| Web Aggregators premium(size) | 15 ₹ lakh | 8 ₹ lakh | Q1 FY26-27 |
| travel incurred claims ratio | 89.0 % | 59.5 % | Q1 FY26-27 |
| investment income ratio | 1.9 % | 1.8 % | Q1 FY26-27 |
| Brokers premium(size) | 70748 ₹ lakh | 133957 ₹ lakh | Q1 FY26-27 |
| debentures & bonds(size) | 191956 INR_lakhs | 295286 INR_lakhs | Q1 FY26-27 |
| liability combined ratio | 26.0 % | -100.0 % | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 39965 count | 603920 count | Q1 FY26-27 |
| workmen's compensation combined ratio | 173.0 % | 102.6 % | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 12.3 % | 4.2 % | Q1 FY26-27 |
| marine hull segment premium(size) | 0 ₹ lakh | 7 ₹ lakh | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 188536 count | 6348 count | Q1 FY26-27 |
| motor tp combined ratio | 121.0 % | 114.1 % | Q1 FY26-27 |
| motor od incurred claims ratio | 89.0 % | 75.9 % | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 695.3 % | 7.3 % | Q1 FY26-27 |
| marine cargo incurred claims ratio | 156.0 % | 61.8 % | Q1 FY26-27 |
| operating profit ratio | -14.7 % | 3.5 % | Q1 FY26-27 |
| motor od combined ratio | 132.0 % | 135.5 % | Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 892 ₹ lakh | 1932 ₹ lakh | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 5371 ₹ lakh | 28943 ₹ lakh | Q1 FY26-27 |
| Brokers policies(size) | 204212 count | 2801650 count | Q1 FY26-27 |
| net retention ratio(size) | 72.6 % | 76.7 % | Q1 FY26-27 |
| expense ratio to gross premium | 29.5 % | 39.0 % | Q1 FY26-27 |
| gross direct premium growth rate(size) | -4.5 % | -2.4 % | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 24555 count | 228311 count | Q1 FY26-27 |
| Micro Agents premium(size) | 0 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 / Q4 FY25-26 |
| expense ratio | 40.2 % | 39.0 % | Q1 FY26-27 |
| liability segment premium(size) | 1119 ₹ lakh | 5 ₹ lakh | Q1 FY26-27 |
| personal accident combined ratio | 116.0 % | 91.2 % | Q1 FY26-27 |
| MISP (Direct) premium(size) | 571 ₹ lakh | 8727 ₹ lakh | Q1 FY26-27 |
| other investments(size) | 19050 INR_lakhs | 48690 INR_lakhs | Q1 FY26-27 |
| net yield (quarterly) | 1.38 % | 1.36 % | Q1 FY26-27 |
| infrastructure & housing(size) | 197862 INR_lakhs | 680506 INR_lakhs | Q1 FY26-27 |
| travel combined ratio | 162.0 % | 112.8 % | Q1 FY26-27 |
| aviation segment premium(size) | 0 ₹ lakh | 42 ₹ lakh | Q1 FY26-27 |
| personal accident incurred claims ratio | 90.0 % | 83.2 % | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 8421 ₹ lakh | 2201 ₹ lakh | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 10969 count | 29611 count | Q1 FY26-27 |
| equity & preference shares(size) | 21690 INR_lakhs | 381576 INR_lakhs | Q1 FY26-27 |
| crop combined ratio | 1418.0 % | 4.0 % | Q1 FY26-27 |
| housing & infrastructure(size) | 24.1 % | 29.3 % | Q1 FY26-27 |
| motor TP segment premium(size) | 19610 ₹ lakh | 94973 ₹ lakh | Q1 FY26-27 |
| motor OD segment premium(size) | 24921 ₹ lakh | 52418 ₹ lakh | Q1 FY26-27 |
| travel segment premium(size) | 171 ₹ lakh | 1294 ₹ lakh | Q1 FY26-27 |
| health segment premium(size) | 33875 ₹ lakh | 38911 ₹ lakh | Q1 FY26-27 |
| engineering incurred claims ratio | 116.0 % | 82.4 % | Q1 FY26-27 |
| motor tp incurred claims ratio | 82.0 % | 66.6 % | Q1 FY26-27 |
| health incurred claims ratio | 71.0 % | 88.7 % | Q1 FY26-27 |
| MISP (Direct) policies(size) | 2511 count | 205332 count | Q1 FY26-27 |
| gross yield (quarterly) | 1.84 % | 1.82 % | Q1 FY26-27 |
| Individual Agents premium(size) | 16592 ₹ lakh | 14822 ₹ lakh | Q1 FY26-27 |
| aviation incurred claims ratio | 100.0 % | 85.7 % | Q1 FY26-27 |
| fire combined ratio | 186.0 % | 56.8 % | Q1 FY26-27 |
| Web Aggregators policies(size) | 117 count | 206 count | Q1 FY26-27 |
| workmen's compensation segment premium(size) | 890 ₹ lakh | 2545 ₹ lakh | Q1 FY26-27 |
| marine cargo segment premium(size) | 5649 ₹ lakh | 3427 ₹ lakh | Q1 FY26-27 |
| marine hull combined ratio | 0.0 % | 0.0 % | Q1 FY26-27 |
| marine cargo combined ratio | 193.0 % | -56.8 % | Q1 FY26-27 |
| Micro Agents policies(size) | 5 count | 0 count | Q1 FY26-27 / Q4 FY25-26 |
| incurred claims ratio | 90.1 % | 73.3 % | Q1 FY26-27 |
| crop incurred claims ratio | 318.0 % | -70.0 % | Q1 FY26-27 |
| personal accident segment premium(size) | 6133 ₹ lakh | 18061 ₹ lakh | Q1 FY26-27 |
| marine hull incurred claims ratio | 0.0 % | 0.0 % | Q1 FY26-27 |
| govt + approved securities(size) | 47.2 % | 36.9 % | Q1 FY26-27 |
| book value per share(size) | 10.91 ₹ | 49.61 ₹ | Q4 FY25-26 |
| net earning ratio | 0.8 % | 7.1 % | Q4 FY25-26 |
| Common Service Centres (CSC) premium(size) | 0 ₹ lakh | 442 ₹ lakh | Q4 FY25-26 / Q1 FY26-27 |
| earnings per share(size) | 0.06 ₹ | 1.62 ₹ | Q4 FY25-26 |
| gross yield (annualized) | 7.53 % | 7.43 % | FY25-26 / Q4 FY25-26 |
| debt to equity ratio | 0.39 × | 0.08 × | Q4 FY25-26 |
| net yield (annualized) | 5.80 % | 6.40 % | FY25-26 / Q4 FY25-26 |
| Common Service Centres (CSC) policies(size) | 0 count | 28987 count | Q4 FY25-26 / Q1 FY26-27 |
| Direct Business – Online premium(size) | 19042 ₹ lakh | 3562 ₹ lakh | Q3 FY25-26 / Q1 FY26-27 |
| Direct Business – Online policies(size) | 28218 count | 136826 count | Q3 FY25-26 / Q1 FY26-27 |
| claim settlement ratio | 88.2 % | 90.7 % | FY24-25 |
| available solvency margin(size) | 189596 ₹ lakh | 487296 ₹ lakh | Q4 FY24-25 / Q1 FY26-27 |
| required solvency margin(size) | 96499 ₹ lakh | 200837 ₹ lakh | Q4 FY24-25 / Q1 FY26-27 |
| solvency ratio | 1.96 × | 2.43 × | Q4 FY24-25 / Q1 FY26-27 |
| claims repudiation ratio | 3.12 % | 2.97 % | FY24-25 |
| gross written premium(size) | 1458 ₹ crore | 8472 ₹ crore | Q1 FY24-25 / FY25-03 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.