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Generali Central Insurance (formerly Future Generali) vs National Insurance Company: IRDAI Data Comparison

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

MetricGenerali Central Insurance (formerly Future Generali)National Insurance CompanyPeriod
profit before tax(size)-112 ₹ crore-496 ₹ croreQ1 FY26-27
engineering combined ratio205.0 %89.1 %Q1 FY26-27
underwriting balance ratio-29.5 %-36.0 %Q1 FY26-27
Individual Agents policies(size)82090 count1329274 countQ1 FY26-27
liability incurred claims ratio-5.0 %7.3 %Q1 FY26-27
aviation combined ratio0.0 %94.9 %Q1 FY26-27
Corporate Agents – Others premium(size)3454 ₹ lakh943 ₹ lakhQ1 FY26-27
fire segment premium(size)15519 ₹ lakh47154 ₹ lakhQ1 FY26-27
engineering segment premium(size)3438 ₹ lakh13903 ₹ lakhQ1 FY26-27
profit after tax(size)-84 ₹ crore-496 ₹ croreQ1 FY26-27
net commission ratio(size)21.2 %10.7 %Q1 FY26-27
health combined ratio103.0 %137.6 %Q1 FY26-27
crop insurance segment premium(size)-155 ₹ lakh1217 ₹ lakhQ1 FY26-27
workmen's compensation incurred claims ratio135.0 %44.0 %Q1 FY26-27
fire incurred claims ratio137.0 %77.0 %Q1 FY26-27
gross direct premium to net worth ratio(size)78.90 ×-92.00 ×Q1 FY26-27
government securities(size)386901 INR_lakhs1219327 INR_lakhsQ1 FY26-27
central govt. securities(size)24.3 %21.2 %Q1 FY26-27
combined ratio127.9 %134.4 %Q1 FY26-27
Web Aggregators premium(size)15 ₹ lakh0 ₹ lakhQ1 FY26-27
investment income ratio1.9 %9.8 %Q1 FY26-27
Brokers premium(size)70748 ₹ lakh172211 ₹ lakhQ1 FY26-27
debentures & bonds(size)191956 INR_lakhs422924 INR_lakhsQ1 FY26-27
liability combined ratio26.0 %50.7 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)39965 count156008 countQ1 FY26-27
workmen's compensation combined ratio173.0 %90.3 %Q1 FY26-27
marine hull segment premium(size)0 ₹ lakh3347 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)188536 count4516 countQ1 FY26-27
motor tp combined ratio121.0 %165.4 %Q1 FY26-27
motor od incurred claims ratio89.0 %103.3 %Q1 FY26-27
technical reserves to premium ratio(size)695.3 %913.0 %Q1 FY26-27
marine cargo incurred claims ratio156.0 %99.9 %Q1 FY26-27
operating profit ratio-14.7 %-12.8 %Q1 FY26-27
motor od combined ratio132.0 %141.0 %Q1 FY26-27
Insurance Marketing Firm premium(size)892 ₹ lakh231 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)5371 ₹ lakh11084 ₹ lakhQ1 FY26-27
Brokers policies(size)204212 count1425107 countQ1 FY26-27
net retention ratio(size)72.6 %85.1 %Q1 FY26-27
expense ratio to gross premium29.5 %31.8 %Q1 FY26-27
gross direct premium growth rate(size)-4.5 %7.8 %Q1 FY26-27
Corporate Agents – Others policies(size)24555 count11710 countQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
expense ratio40.2 %35.4 %Q1 FY26-27
liability segment premium(size)1119 ₹ lakh7861 ₹ lakhQ1 FY26-27
personal accident combined ratio116.0 %86.1 %Q1 FY26-27
MISP (Direct) premium(size)571 ₹ lakh264 ₹ lakhQ1 FY26-27
other investments(size)19050 INR_lakhs60405 INR_lakhsQ1 FY26-27
net yield (quarterly)1.38 %7.06 %Q1 FY26-27
npa provision coverage100.0 %100.0 %Q1 FY26-27
infrastructure & housing(size)197862 INR_lakhs255830 INR_lakhsQ1 FY26-27
aviation segment premium(size)0 ₹ lakh2043 ₹ lakhQ1 FY26-27
personal accident incurred claims ratio90.0 %60.1 %Q1 FY26-27
Corporate Agents – Banks premium(size)8421 ₹ lakh1179 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)10969 count825 countQ1 FY26-27
equity & preference shares(size)21690 INR_lakhs1314528 INR_lakhsQ1 FY26-27
crop combined ratio1418.0 %76.4 %Q1 FY26-27
housing & infrastructure(size)24.1 %16.8 %Q1 FY26-27
gross npa (amount)1831 INR_lakhs21708 INR_lakhsQ1 FY26-27
motor TP segment premium(size)19610 ₹ lakh91131 ₹ lakhQ1 FY26-27
motor OD segment premium(size)24921 ₹ lakh43901 ₹ lakhQ1 FY26-27
travel segment premium(size)171 ₹ lakh0 ₹ lakhQ1 FY26-27
health segment premium(size)33875 ₹ lakh149925 ₹ lakhQ1 FY26-27
engineering incurred claims ratio116.0 %48.6 %Q1 FY26-27
motor tp incurred claims ratio82.0 %124.7 %Q1 FY26-27
health incurred claims ratio71.0 %105.3 %Q1 FY26-27
MISP (Direct) policies(size)2511 count1896 countQ1 FY26-27
gross yield (quarterly)1.84 %10.69 %Q1 FY26-27
Individual Agents premium(size)16592 ₹ lakh149079 ₹ lakhQ1 FY26-27
aviation incurred claims ratio100.0 %63.1 %Q1 FY26-27
fire combined ratio186.0 %117.0 %Q1 FY26-27
Web Aggregators policies(size)117 count15 countQ1 FY26-27
workmen's compensation segment premium(size)890 ₹ lakh1526 ₹ lakhQ1 FY26-27
marine cargo segment premium(size)5649 ₹ lakh5029 ₹ lakhQ1 FY26-27
marine hull combined ratio0.0 %195.6 %Q1 FY26-27
marine cargo combined ratio193.0 %136.8 %Q1 FY26-27
Micro Agents policies(size)5 count0 countQ1 FY26-27
incurred claims ratio90.1 %98.9 %Q1 FY26-27
crop incurred claims ratio318.0 %47.9 %Q1 FY26-27
personal accident segment premium(size)6133 ₹ lakh39683 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %151.1 %Q1 FY26-27
govt + approved securities(size)47.2 %41.7 %Q1 FY26-27
book value per share(size)10.91 ₹-4.87 ₹Q4 FY25-26 / Q1 FY26-27
net earning ratio0.8 %-13.5 %Q4 FY25-26 / Q1 FY26-27
Common Service Centres (CSC) premium(size)0 ₹ lakh0 ₹ lakhQ4 FY25-26 / Q1 FY26-27
earnings per share(size)0.06 ₹-0.53 ₹Q4 FY25-26 / Q1 FY26-27
gross yield (annualized)7.53 %11.98 %FY25-26 / Q4 FY25-26
debt to equity ratio0.39 ×-0.20 ×Q4 FY25-26 / Q1 FY26-27
net yield (annualized)5.80 %7.91 %FY25-26 / Q4 FY25-26
Common Service Centres (CSC) policies(size)0 count0 countQ4 FY25-26 / Q1 FY26-27
gross npa ratio0.23 %0.75 %Q1 FY25-26 / Q1 FY26-27
claim settlement ratio88.2 %52.7 %FY24-25 / Q1 FY26-27
available solvency margin(size)189596 ₹ lakh-557749 ₹ lakhQ4 FY24-25 / Q1 FY26-27
required solvency margin(size)96499 ₹ lakh456132 ₹ lakhQ4 FY24-25 / Q1 FY26-27
solvency ratio1.96 ×-1.22 ×Q4 FY24-25 / Q1 FY26-27
claims repudiation ratio3.12 %4.68 %FY24-25
gross NPA ratio0.36 %0.75 %Q3 FY24-25 / Q1 FY26-27
gross written premium(size)1458 ₹ crore16833 ₹ croreQ1 FY24-25 / FY25-03
other segment premium(size)7301 ₹ lakh14971 ₹ 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)
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National Insurance Company
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