Generali Central Insurance (formerly Future Generali) vs Tata AIG General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Generali Central Insurance (formerly Future Generali) | Tata AIG General Insurance | Period |
|---|---|---|---|
| profit before tax(size) | -112 ₹ crore | 261 ₹ crore | Q1 FY26-27 |
| engineering combined ratio | 205.0 % | 171.0 % | Q1 FY26-27 |
| underwriting balance ratio | -29.5 % | -0.2 % | Q1 FY26-27 |
| Individual Agents policies(size) | 82090 count | 692010 count | Q1 FY26-27 |
| liability incurred claims ratio | -5.0 % | 113.0 % | Q1 FY26-27 |
| aviation combined ratio | 0.0 % | 32275.0 % | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 3454 ₹ lakh | 29694 ₹ lakh | Q1 FY26-27 |
| fire segment premium(size) | 15519 ₹ lakh | 76072 ₹ lakh | Q1 FY26-27 |
| engineering segment premium(size) | 3438 ₹ lakh | 15485 ₹ lakh | Q1 FY26-27 |
| profit after tax(size) | -84 ₹ crore | 195 ₹ crore | Q1 FY26-27 |
| net commission ratio(size) | 21.2 % | 20.0 % | Q1 FY26-27 |
| health combined ratio | 103.0 % | 101.0 % | Q1 FY26-27 |
| crop insurance segment premium(size) | -155 ₹ lakh | 5 ₹ lakh | Q1 FY26-27 |
| workmen's compensation incurred claims ratio | 135.0 % | 50.0 % | Q1 FY26-27 |
| fire incurred claims ratio | 137.0 % | 60.0 % | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 78.90 × | 97.00 × | Q1 FY26-27 |
| government securities(size) | 386901 INR_lakhs | 1535427 INR_lakhs | Q1 FY26-27 |
| central govt. securities(size) | 24.3 % | 22.0 % | Q1 FY26-27 |
| combined ratio | 127.9 % | 111.0 % | Q1 FY26-27 |
| net worth growth rate(size) | -6.8 % | 3.0 % | Q1 FY26-27 |
| Web Aggregators premium(size) | 15 ₹ lakh | 78 ₹ lakh | Q1 FY26-27 |
| travel incurred claims ratio | 89.0 % | 48.0 % | Q1 FY26-27 |
| investment income ratio | 1.9 % | 2.0 % | Q1 FY26-27 |
| Brokers premium(size) | 70748 ₹ lakh | 350032 ₹ lakh | Q1 FY26-27 |
| debentures & bonds(size) | 191956 INR_lakhs | 709686 INR_lakhs | Q1 FY26-27 |
| liability combined ratio | 26.0 % | 68.0 % | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 39965 count | 531281 count | Q1 FY26-27 |
| workmen's compensation combined ratio | 173.0 % | 86.0 % | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 12.3 % | 5.0 % | Q1 FY26-27 |
| marine hull segment premium(size) | 0 ₹ lakh | 588 ₹ lakh | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 188536 count | 239087 count | Q1 FY26-27 |
| motor tp combined ratio | 121.0 % | 115.0 % | Q1 FY26-27 |
| motor od incurred claims ratio | 89.0 % | 89.0 % | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 695.3 % | 6.0 % | Q1 FY26-27 |
| marine cargo incurred claims ratio | 156.0 % | 121.0 % | Q1 FY26-27 |
| operating profit ratio | -14.7 % | 4.0 % | Q1 FY26-27 |
| motor od combined ratio | 132.0 % | 138.0 % | Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 892 ₹ lakh | 3905 ₹ lakh | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 5371 ₹ lakh | 43612 ₹ lakh | Q1 FY26-27 |
| Brokers policies(size) | 204212 count | 1680361 count | Q1 FY26-27 |
| net retention ratio(size) | 72.6 % | 59.0 % | Q1 FY26-27 |
| expense ratio to gross premium | 29.5 % | 32.0 % | Q1 FY26-27 |
| gross direct premium growth rate(size) | -4.5 % | 34.0 % | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 24555 count | 716768 count | Q1 FY26-27 |
| expense ratio | 40.2 % | 37.0 % | Q1 FY26-27 |
| liability segment premium(size) | 1119 ₹ lakh | 33611 ₹ lakh | Q1 FY26-27 |
| personal accident combined ratio | 116.0 % | 83.0 % | Q1 FY26-27 |
| MISP (Direct) premium(size) | 571 ₹ lakh | 9417 ₹ lakh | Q1 FY26-27 |
| other investments(size) | 19050 INR_lakhs | 238487 INR_lakhs | Q1 FY26-27 |
| net yield (quarterly) | 1.38 % | 1.63 % | Q1 FY26-27 |
| npa provision coverage | 100.0 % | 0.0 % | Q1 FY26-27 |
| infrastructure & housing(size) | 197862 INR_lakhs | 755625 INR_lakhs | Q1 FY26-27 |
| travel combined ratio | 162.0 % | 99.0 % | Q1 FY26-27 |
| aviation segment premium(size) | 0 ₹ lakh | 9368 ₹ lakh | Q1 FY26-27 |
| personal accident incurred claims ratio | 90.0 % | 60.0 % | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 8421 ₹ lakh | 26151 ₹ lakh | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 10969 count | 33859 count | Q1 FY26-27 |
| equity & preference shares(size) | 21690 INR_lakhs | 679771 INR_lakhs | Q1 FY26-27 |
| crop combined ratio | 1418.0 % | -570.0 % | Q1 FY26-27 |
| housing & infrastructure(size) | 24.1 % | 16.0 % | Q1 FY26-27 |
| gross npa (amount) | 1831 INR_lakhs | 0 INR_lakhs | Q1 FY26-27 |
| motor TP segment premium(size) | 19610 ₹ lakh | 131029 ₹ lakh | Q1 FY26-27 |
| motor OD segment premium(size) | 24921 ₹ lakh | 123579 ₹ lakh | Q1 FY26-27 |
| travel segment premium(size) | 171 ₹ lakh | 15212 ₹ lakh | Q1 FY26-27 |
| health segment premium(size) | 33875 ₹ lakh | 184202 ₹ lakh | Q1 FY26-27 |
| engineering incurred claims ratio | 116.0 % | 173.0 % | Q1 FY26-27 |
| motor tp incurred claims ratio | 82.0 % | 59.0 % | Q1 FY26-27 |
| health incurred claims ratio | 71.0 % | 82.0 % | Q1 FY26-27 |
| MISP (Direct) policies(size) | 2511 count | 208206 count | Q1 FY26-27 |
| gross yield (quarterly) | 1.84 % | 2.18 % | Q1 FY26-27 |
| Individual Agents premium(size) | 16592 ₹ lakh | 117253 ₹ lakh | Q1 FY26-27 |
| aviation incurred claims ratio | 100.0 % | 32150.0 % | Q1 FY26-27 |
| fire combined ratio | 186.0 % | 79.0 % | Q1 FY26-27 |
| Web Aggregators policies(size) | 117 count | 451 count | Q1 FY26-27 |
| workmen's compensation segment premium(size) | 890 ₹ lakh | 2435 ₹ lakh | Q1 FY26-27 |
| marine cargo segment premium(size) | 5649 ₹ lakh | 25413 ₹ lakh | Q1 FY26-27 |
| marine hull combined ratio | 0.0 % | -501.0 % | Q1 FY26-27 |
| marine cargo combined ratio | 193.0 % | 147.0 % | Q1 FY26-27 |
| incurred claims ratio | 90.1 % | 74.0 % | Q1 FY26-27 |
| crop incurred claims ratio | 318.0 % | 128.0 % | Q1 FY26-27 |
| personal accident segment premium(size) | 6133 ₹ lakh | 6838 ₹ lakh | Q1 FY26-27 |
| marine hull incurred claims ratio | 0.0 % | 100.0 % | Q1 FY26-27 |
| govt + approved securities(size) | 47.2 % | 40.0 % | Q1 FY26-27 |
| other combined ratio | 105.0 % | 67.0 % | Q4 FY25-26 |
| book value per share(size) | 10.91 ₹ | 67.70 ₹ | Q4 FY25-26 / Q1 FY26-27 |
| net earning ratio | 0.8 % | 5.0 % | Q4 FY25-26 / Q1 FY26-27 |
| gross yield (annualized) | 7.53 % | 7.80 % | FY25-26 / Q4 FY25-26 |
| other incurred claims ratio | 58.0 % | 153.0 % | Q4 FY25-26 |
| debt to equity ratio | 0.39 × | 0.08 × | Q4 FY25-26 / Q1 FY26-27 |
| net yield (annualized) | 5.80 % | 5.81 % | FY25-26 / Q4 FY25-26 |
| claim settlement ratio | 88.2 % | 80.2 % | FY24-25 |
| available solvency margin(size) | 189596 ₹ lakh | 651816 ₹ lakh | Q4 FY24-25 / Q1 FY26-27 |
| required solvency margin(size) | 96499 ₹ lakh | 353769 ₹ lakh | Q4 FY24-25 / Q1 FY26-27 |
| solvency ratio | 1.96 × | 1.84 × | Q4 FY24-25 / Q1 FY26-27 |
| claims repudiation ratio | 3.12 % | 2.80 % | FY24-25 |
| gross written premium(size) | 1458 ₹ crore | 17703 ₹ crore | Q1 FY24-25 / FY25-03 |
| other segment premium(size) | 7301 ₹ lakh | 20479 ₹ lakh | Q2 FY22-23 / Q1 FY26-27 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.