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Generali Central Insurance (formerly Future Generali) vs ICICI Lombard General Insurance: IRDAI Data Comparison

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

MetricGenerali Central Insurance (formerly Future Generali)ICICI Lombard General InsurancePeriod
profit before tax(size)-112 ₹ crore536 ₹ croreQ1 FY26-27
engineering combined ratio205.0 %85.2 %Q1 FY26-27
underwriting balance ratio-29.5 %-0.1 %Q1 FY26-27
Individual Agents policies(size)82090 count666612 countQ1 FY26-27
liability incurred claims ratio-5.0 %47.0 %Q1 FY26-27
aviation combined ratio0.0 %58.2 %Q1 FY26-27
Corporate Agents – Others premium(size)3454 ₹ lakh13241 ₹ lakhQ1 FY26-27
fire segment premium(size)15519 ₹ lakh99719 ₹ lakhQ1 FY26-27
engineering segment premium(size)3438 ₹ lakh33811 ₹ lakhQ1 FY26-27
profit after tax(size)-84 ₹ crore403 ₹ croreQ1 FY26-27
net commission ratio(size)21.2 %18.9 %Q1 FY26-27
health combined ratio103.0 %109.7 %Q1 FY26-27
crop insurance segment premium(size)-155 ₹ lakh1830 ₹ lakhQ1 FY26-27
workmen's compensation incurred claims ratio135.0 %59.0 %Q1 FY26-27
fire incurred claims ratio137.0 %118.0 %Q1 FY26-27
gross direct premium to net worth ratio(size)78.90 ×50.00 ×Q1 FY26-27
government securities(size)386901 INR_lakhs2159709 INR_lakhsQ1 FY26-27
central govt. securities(size)24.3 %22.0 %Q1 FY26-27
combined ratio127.9 %107.2 %Q1 FY26-27
net worth growth rate(size)-6.8 %0.9 %Q1 FY26-27
Web Aggregators premium(size)15 ₹ lakh95 ₹ lakhQ1 FY26-27
travel incurred claims ratio89.0 %56.0 %Q1 FY26-27
investment income ratio1.9 %1.9 %Q1 FY26-27
Brokers premium(size)70748 ₹ lakh478325 ₹ lakhQ1 FY26-27
debentures & bonds(size)191956 INR_lakhs1372814 INR_lakhsQ1 FY26-27
liability combined ratio26.0 %100.4 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)39965 count803441 countQ1 FY26-27
workmen's compensation combined ratio173.0 %107.0 %Q1 FY26-27
claims paid to provisioned ratio(size)12.3 %7.6 %Q1 FY26-27
marine hull segment premium(size)0 ₹ lakh4343 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)188536 count920450 countQ1 FY26-27
motor tp combined ratio121.0 %98.3 %Q1 FY26-27
motor od incurred claims ratio89.0 %68.0 %Q1 FY26-27
technical reserves to premium ratio(size)695.3 %7.4 %Q1 FY26-27
marine cargo incurred claims ratio156.0 %83.0 %Q1 FY26-27
operating profit ratio-14.7 %3.9 %Q1 FY26-27
motor od combined ratio132.0 %118.1 %Q1 FY26-27
Insurance Marketing Firm premium(size)892 ₹ lakh2274 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)5371 ₹ lakh25909 ₹ lakhQ1 FY26-27
Brokers policies(size)204212 count4944886 countQ1 FY26-27
net retention ratio(size)72.6 %74.5 %Q1 FY26-27
expense ratio to gross premium29.5 %28.8 %Q1 FY26-27
gross direct premium growth rate(size)-4.5 %7.5 %Q1 FY26-27
Corporate Agents – Others policies(size)24555 count663511 countQ1 FY26-27
expense ratio40.2 %36.2 %Q1 FY26-27
liability segment premium(size)1119 ₹ lakh3592 ₹ lakhQ1 FY26-27
personal accident combined ratio116.0 %63.2 %Q1 FY26-27
MISP (Direct) premium(size)571 ₹ lakh21285 ₹ lakhQ1 FY26-27
other investments(size)19050 INR_lakhs206438 INR_lakhsQ1 FY26-27
net yield (quarterly)1.38 %1.28 %Q1 FY26-27
npa provision coverage100.0 %0.0 %Q1 FY26-27
infrastructure & housing(size)197862 INR_lakhs1106060 INR_lakhsQ1 FY26-27
travel combined ratio162.0 %107.5 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh2806 ₹ lakhQ1 FY26-27
personal accident incurred claims ratio90.0 %55.0 %Q1 FY26-27
Corporate Agents – Banks premium(size)8421 ₹ lakh70235 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)10969 count44394 countQ1 FY26-27
equity & preference shares(size)21690 INR_lakhs820242 INR_lakhsQ1 FY26-27
crop combined ratio1418.0 %-359.1 %Q1 FY26-27
housing & infrastructure(size)24.1 %19.0 %Q1 FY26-27
gross npa (amount)1831 INR_lakhs0 INR_lakhsQ1 FY26-27
motor TP segment premium(size)19610 ₹ lakh138383 ₹ lakhQ1 FY26-27
motor OD segment premium(size)24921 ₹ lakh140228 ₹ lakhQ1 FY26-27
travel segment premium(size)171 ₹ lakh8634 ₹ lakhQ1 FY26-27
health segment premium(size)33875 ₹ lakh297384 ₹ lakhQ1 FY26-27
engineering incurred claims ratio116.0 %87.0 %Q1 FY26-27
motor tp incurred claims ratio82.0 %71.0 %Q1 FY26-27
health incurred claims ratio71.0 %86.0 %Q1 FY26-27
MISP (Direct) policies(size)2511 count1496026 countQ1 FY26-27
gross yield (quarterly)1.84 %1.89 %Q1 FY26-27
Individual Agents premium(size)16592 ₹ lakh98119 ₹ lakhQ1 FY26-27
aviation incurred claims ratio100.0 %48.0 %Q1 FY26-27
fire combined ratio186.0 %120.5 %Q1 FY26-27
Web Aggregators policies(size)117 count11353 countQ1 FY26-27
workmen's compensation segment premium(size)890 ₹ lakh5639 ₹ lakhQ1 FY26-27
marine cargo segment premium(size)5649 ₹ lakh32076 ₹ lakhQ1 FY26-27
marine hull combined ratio0.0 %40.9 %Q1 FY26-27
marine cargo combined ratio193.0 %109.3 %Q1 FY26-27
incurred claims ratio90.1 %76.4 %Q1 FY26-27
crop incurred claims ratio318.0 %-335.0 %Q1 FY26-27
personal accident segment premium(size)6133 ₹ lakh16238 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %52.0 %Q1 FY26-27
govt + approved securities(size)47.2 %36.0 %Q1 FY26-27
book value per share(size)10.91 ₹340.46 ₹Q4 FY25-26 / Q1 FY26-27
net earning ratio0.8 %6.8 %Q4 FY25-26 / Q1 FY26-27
Common Service Centres (CSC) premium(size)0 ₹ lakh90 ₹ lakhQ4 FY25-26 / Q1 FY26-27
gross yield (annualized)7.53 %8.18 %FY25-26 / Q4 FY25-26
debt to equity ratio0.39 ×0.00 ×Q4 FY25-26 / Q1 FY26-27
net yield (annualized)5.80 %5.52 %FY25-26 / Q4 FY25-26
Common Service Centres (CSC) policies(size)0 count5216 countQ4 FY25-26 / Q1 FY26-27
Direct Business – Online premium(size)19042 ₹ lakh82086 ₹ lakhQ3 FY25-26 / Q1 FY26-27
Direct Business – Online policies(size)28218 count7286 countQ3 FY25-26 / Q1 FY26-27
claim settlement ratio88.2 %81.0 %FY24-25
available solvency margin(size)189596 ₹ lakh1501016 ₹ lakhQ4 FY24-25 / Q1 FY26-27
required solvency margin(size)96499 ₹ lakh556784 ₹ lakhQ4 FY24-25 / Q1 FY26-27
solvency ratio1.96 ×2.00 ×Q4 FY24-25 / Q1 FY26-27
claims repudiation ratio3.12 %8.28 %FY24-25
gross written premium(size)1458 ₹ crore28712 ₹ croreQ1 FY24-25 / Q4 FY25-26
other segment premium(size)7301 ₹ lakh38788 ₹ lakhQ2 FY22-23 / Q1 FY26-27

Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.

Individual profiles

Generali Central Insurance (formerly Future Generali)
All IRDAI metrics →
ICICI Lombard General Insurance
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