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

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

MetricGenerali Central Insurance (formerly Future Generali)Oriental Insurance CompanyPeriod
profit before tax(size)-112 ₹ crore-340 ₹ croreQ1 FY26-27
engineering combined ratio205.0 %74.9 %Q1 FY26-27
underwriting balance ratio-29.5 %-19.0 %Q1 FY26-27
Individual Agents policies(size)82090 count743681 countQ1 FY26-27
liability incurred claims ratio-5.0 %19.7 %Q1 FY26-27
aviation combined ratio0.0 %162.7 %Q1 FY26-27
Corporate Agents – Others premium(size)3454 ₹ lakh1425 ₹ lakhQ1 FY26-27
fire segment premium(size)15519 ₹ lakh44889 ₹ lakhQ1 FY26-27
engineering segment premium(size)3438 ₹ lakh11513 ₹ lakhQ1 FY26-27
profit after tax(size)-84 ₹ crore-340 ₹ croreQ1 FY26-27
net commission ratio(size)21.2 %766.0 %Q1 FY26-27
health combined ratio103.0 %109.6 %Q1 FY26-27
crop insurance segment premium(size)-155 ₹ lakh34 ₹ lakhQ1 FY26-27
workmen's compensation incurred claims ratio135.0 %67.3 %Q1 FY26-27
fire incurred claims ratio137.0 %95.6 %Q1 FY26-27
gross direct premium to net worth ratio(size)78.90 ×-78.00 ×Q1 FY26-27
government securities(size)386901 INR_lakhs1142392 INR_lakhsQ1 FY26-27
central govt. securities(size)24.3 %24.1 %Q1 FY26-27
combined ratio127.9 %11916.0 %Q1 FY26-27
net worth growth rate(size)-6.8 %11532.0 %Q1 FY26-27
Web Aggregators premium(size)15 ₹ lakh15 ₹ lakhQ1 FY26-27
travel incurred claims ratio89.0 %0.0 %Q1 FY26-27
investment income ratio1.9 %0.0 %Q1 FY26-27
Brokers premium(size)70748 ₹ lakh389890 ₹ lakhQ1 FY26-27
debentures & bonds(size)191956 INR_lakhs113014 INR_lakhsQ1 FY26-27
liability combined ratio26.0 %41.6 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)39965 count126089 countQ1 FY26-27
workmen's compensation combined ratio173.0 %91.0 %Q1 FY26-27
claims paid to provisioned ratio(size)12.3 %13.6 %Q1 FY26-27
marine hull segment premium(size)0 ₹ lakh8707 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)188536 count53956 countQ1 FY26-27
motor tp combined ratio121.0 %198.5 %Q1 FY26-27
motor od incurred claims ratio89.0 %116.5 %Q1 FY26-27
technical reserves to premium ratio(size)695.3 %6.9 %Q1 FY26-27
marine cargo incurred claims ratio156.0 %61.8 %Q1 FY26-27
operating profit ratio-14.7 %-760.0 %Q1 FY26-27
motor od combined ratio132.0 %141.4 %Q1 FY26-27
Insurance Marketing Firm premium(size)892 ₹ lakh918 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)5371 ₹ lakh9562 ₹ lakhQ1 FY26-27
Brokers policies(size)204212 count572387 countQ1 FY26-27
net retention ratio(size)72.6 %6974.0 %Q1 FY26-27
expense ratio to gross premium29.5 %15.5 %Q1 FY26-27
gross direct premium growth rate(size)-4.5 %484.0 %Q1 FY26-27
Corporate Agents – Others policies(size)24555 count18408 countQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh4 ₹ lakhQ1 FY26-27
expense ratio40.2 %19.1 %Q1 FY26-27
liability segment premium(size)1119 ₹ lakh2838 ₹ lakhQ1 FY26-27
personal accident combined ratio116.0 %88.2 %Q1 FY26-27
MISP (Direct) premium(size)571 ₹ lakh2015 ₹ lakhQ1 FY26-27
other investments(size)19050 INR_lakhs68227 INR_lakhsQ1 FY26-27
net yield (quarterly)1.38 %5.82 %Q1 FY26-27
npa provision coverage100.0 %100.0 %Q1 FY26-27
infrastructure & housing(size)197862 INR_lakhs508049 INR_lakhsQ1 FY26-27
travel combined ratio162.0 %0.0 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh3844 ₹ lakhQ1 FY26-27
personal accident incurred claims ratio90.0 %72.5 %Q1 FY26-27
Corporate Agents – Banks premium(size)8421 ₹ lakh5572 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)10969 count90 countQ1 FY26-27
equity & preference shares(size)21690 INR_lakhs729157 INR_lakhsQ1 FY26-27
crop combined ratio1418.0 %233.8 %Q1 FY26-27
housing & infrastructure(size)24.1 %17.3 %Q1 FY26-27
gross npa (amount)1831 INR_lakhs30410 INR_lakhsQ1 FY26-27
motor TP segment premium(size)19610 ₹ lakh61082 ₹ lakhQ1 FY26-27
motor OD segment premium(size)24921 ₹ lakh28024 ₹ lakhQ1 FY26-27
travel segment premium(size)171 ₹ lakh0 ₹ lakhQ1 FY26-27
health segment premium(size)33875 ₹ lakh220179 ₹ lakhQ1 FY26-27
engineering incurred claims ratio116.0 %56.8 %Q1 FY26-27
motor tp incurred claims ratio82.0 %168.5 %Q1 FY26-27
health incurred claims ratio71.0 %95.5 %Q1 FY26-27
MISP (Direct) policies(size)2511 count82951 countQ1 FY26-27
gross yield (quarterly)1.84 %8.94 %Q1 FY26-27
Individual Agents premium(size)16592 ₹ lakh114281 ₹ lakhQ1 FY26-27
aviation incurred claims ratio100.0 %135.6 %Q1 FY26-27
fire combined ratio186.0 %145.6 %Q1 FY26-27
Web Aggregators policies(size)117 count153 countQ1 FY26-27
workmen's compensation segment premium(size)890 ₹ lakh1417 ₹ lakhQ1 FY26-27
marine cargo segment premium(size)5649 ₹ lakh11763 ₹ lakhQ1 FY26-27
marine hull combined ratio0.0 %89.0 %Q1 FY26-27
marine cargo combined ratio193.0 %83.6 %Q1 FY26-27
Micro Agents policies(size)5 count45 countQ1 FY26-27
incurred claims ratio90.1 %10011.0 %Q1 FY26-27
crop incurred claims ratio318.0 %179.0 %Q1 FY26-27
personal accident segment premium(size)6133 ₹ lakh220939 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %70.7 %Q1 FY26-27
govt + approved securities(size)47.2 %56.5 %Q1 FY26-27
book value per share(size)10.91 ₹1.10 ₹Q4 FY25-26 / Q1 FY22-23
net earning ratio0.8 %-767.0 %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 ₹-0.20 ₹Q4 FY25-26 / Q1 FY22-23
debt to equity ratio0.39 ×1.48 ×Q4 FY25-26 / Q1 FY22-23
Common Service Centres (CSC) policies(size)0 count0 countQ4 FY25-26 / Q1 FY26-27
Direct Business – Online premium(size)19042 ₹ lakh0 ₹ lakhQ3 FY25-26 / Q1 FY26-27
Direct Business – Online policies(size)28218 count0 countQ3 FY25-26 / Q1 FY26-27
gross npa ratio0.23 %1.50 %Q1 FY25-26 / Q1 FY26-27
claim settlement ratio88.2 %85.5 %FY24-25
available solvency margin(size)189596 ₹ lakh-998362 ₹ lakhQ4 FY24-25 / Q1 FY26-27
required solvency margin(size)96499 ₹ lakh587764 ₹ lakhQ4 FY24-25 / Q1 FY26-27
solvency ratio1.96 ×-1.70 ×Q4 FY24-25 / Q1 FY26-27
claims repudiation ratio3.12 %0.34 %FY24-25
gross NPA ratio0.36 %1.93 %Q3 FY24-25 / Q1 FY22-23
gross written premium(size)1458 ₹ crore11858 ₹ croreQ1 FY24-25 / Q1 FY26-27
other segment premium(size)7301 ₹ lakh12943 ₹ 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 →
Oriental Insurance Company
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