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Generali Central Insurance (formerly Future Generali) vs United India Insurance: IRDAI Data Comparison

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

MetricGenerali Central Insurance (formerly Future Generali)United India InsurancePeriod
profit before tax(size)-112 ₹ crore-809 ₹ croreQ1 FY26-27
engineering combined ratio205.0 %97.9 %Q1 FY26-27 / Q4 FY25-26
underwriting balance ratio-29.5 %-34.6 %Q1 FY26-27
Individual Agents policies(size)82090 count2597447 countQ1 FY26-27
liability incurred claims ratio-5.0 %42.2 %Q1 FY26-27 / Q4 FY25-26
aviation combined ratio0.0 %2328.7 %Q1 FY26-27 / Q4 FY25-26
Corporate Agents – Others premium(size)3454 ₹ lakh1598 ₹ lakhQ1 FY26-27
fire segment premium(size)15519 ₹ lakh61685 ₹ lakhQ1 FY26-27
engineering segment premium(size)3438 ₹ lakh12861 ₹ lakhQ1 FY26-27
profit after tax(size)-84 ₹ crore-809 ₹ croreQ1 FY26-27
net commission ratio(size)21.2 %18.3 %Q1 FY26-27
health combined ratio103.0 %132.0 %Q1 FY26-27 / Q4 FY25-26
crop insurance segment premium(size)-155 ₹ lakh0 ₹ lakhQ1 FY26-27
workmen's compensation incurred claims ratio135.0 %19.1 %Q1 FY26-27 / Q4 FY25-26
fire incurred claims ratio137.0 %107.6 %Q1 FY26-27 / Q4 FY25-26
gross direct premium to net worth ratio(size)78.90 ×-80.00 ×Q1 FY26-27
government securities(size)386901 INR_lakhs1624959 INR_lakhsQ1 FY26-27
central govt. securities(size)24.3 %23.1 %Q1 FY26-27
combined ratio127.9 %139.1 %Q1 FY26-27
net worth growth rate(size)-6.8 %0.0 %Q1 FY26-27
Web Aggregators premium(size)15 ₹ lakh18079 ₹ lakhQ1 FY26-27
investment income ratio1.9 %8.9 %Q1 FY26-27
Brokers premium(size)70748 ₹ lakh226344 ₹ lakhQ1 FY26-27
debentures & bonds(size)191956 INR_lakhs233920 INR_lakhsQ1 FY26-27
liability combined ratio26.0 %96.5 %Q1 FY26-27 / Q4 FY25-26
Point of Sales Person (Direct) policies(size)39965 count87834 countQ1 FY26-27
workmen's compensation combined ratio173.0 %64.8 %Q1 FY26-27 / Q4 FY25-26
marine hull segment premium(size)0 ₹ lakh5184 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)188536 count34735 countQ1 FY26-27
motor tp combined ratio121.0 %157.7 %Q1 FY26-27 / Q4 FY25-26
motor od incurred claims ratio89.0 %98.5 %Q1 FY26-27 / Q4 FY25-26
technical reserves to premium ratio(size)695.3 %9.0 %Q1 FY26-27
marine cargo incurred claims ratio156.0 %68.7 %Q1 FY26-27 / Q4 FY25-26
operating profit ratio-14.7 %-17.3 %Q1 FY26-27
motor od combined ratio132.0 %143.8 %Q1 FY26-27 / Q4 FY25-26
Insurance Marketing Firm premium(size)892 ₹ lakh600 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)5371 ₹ lakh5345 ₹ lakhQ1 FY26-27
Brokers policies(size)204212 count1143981 countQ1 FY26-27
net retention ratio(size)72.6 %71.9 %Q1 FY26-27
expense ratio to gross premium29.5 %27.3 %Q1 FY26-27
gross direct premium growth rate(size)-4.5 %-27.0 %Q1 FY26-27
Corporate Agents – Others policies(size)24555 count50625 countQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
expense ratio40.2 %35.5 %Q1 FY26-27
liability segment premium(size)1119 ₹ lakh8837 ₹ lakhQ1 FY26-27
personal accident combined ratio116.0 %151.3 %Q1 FY26-27 / Q4 FY25-26
MISP (Direct) premium(size)571 ₹ lakh612 ₹ lakhQ1 FY26-27
other investments(size)19050 INR_lakhs73696 INR_lakhsQ1 FY26-27
net yield (quarterly)1.38 %5.92 %Q1 FY26-27
npa provision coverage100.0 %100.0 %Q1 FY26-27
infrastructure & housing(size)197862 INR_lakhs763969 INR_lakhsQ1 FY26-27
aviation segment premium(size)0 ₹ lakh542 ₹ lakhQ1 FY26-27
personal accident incurred claims ratio90.0 %116.6 %Q1 FY26-27 / Q4 FY25-26
Corporate Agents – Banks premium(size)8421 ₹ lakh980 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)10969 count7461 countQ1 FY26-27
equity & preference shares(size)21690 INR_lakhs805380 INR_lakhsQ1 FY26-27
crop combined ratio1418.0 %83.2 %Q1 FY26-27 / Q4 FY25-26
housing & infrastructure(size)24.1 %19.6 %Q1 FY26-27
gross npa (amount)1831 INR_lakhs33495 INR_lakhsQ1 FY26-27
motor TP segment premium(size)19610 ₹ lakh187028 ₹ lakhQ1 FY26-27
motor OD segment premium(size)24921 ₹ lakh47468 ₹ lakhQ1 FY26-27
travel segment premium(size)171 ₹ lakh116 ₹ lakhQ1 FY26-27
health segment premium(size)33875 ₹ lakh206119 ₹ lakhQ1 FY26-27
engineering incurred claims ratio116.0 %43.4 %Q1 FY26-27 / Q4 FY25-26
motor tp incurred claims ratio82.0 %105.4 %Q1 FY26-27 / Q4 FY25-26
health incurred claims ratio71.0 %103.9 %Q1 FY26-27 / Q4 FY25-26
MISP (Direct) policies(size)2511 count4495 countQ1 FY26-27
gross yield (quarterly)1.84 %8.97 %Q1 FY26-27
Individual Agents premium(size)16592 ₹ lakh186927 ₹ lakhQ1 FY26-27
aviation incurred claims ratio100.0 %1790.1 %Q1 FY26-27 / Q4 FY25-26
fire combined ratio186.0 %176.5 %Q1 FY26-27 / Q4 FY25-26
Web Aggregators policies(size)117 count722317 countQ1 FY26-27
workmen's compensation segment premium(size)890 ₹ lakh1922 ₹ lakhQ1 FY26-27
marine cargo segment premium(size)5649 ₹ lakh6765 ₹ lakhQ1 FY26-27
marine hull combined ratio0.0 %70.3 %Q1 FY26-27 / Q4 FY25-26
marine cargo combined ratio193.0 %108.4 %Q1 FY26-27 / Q4 FY25-26
Micro Agents policies(size)5 count0 countQ1 FY26-27
incurred claims ratio90.1 %103.6 %Q1 FY26-27
crop incurred claims ratio318.0 %63.6 %Q1 FY26-27 / Q4 FY25-26
personal accident segment premium(size)6133 ₹ lakh7681 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %21.2 %Q1 FY26-27 / Q4 FY25-26
govt + approved securities(size)47.2 %49.1 %Q1 FY26-27
book value per share(size)10.91 ₹-15.98 ₹Q4 FY25-26
net earning ratio0.8 %-15.3 %Q4 FY25-26
Common Service Centres (CSC) premium(size)0 ₹ lakh0 ₹ lakhQ4 FY25-26 / Q1 FY26-27
earnings per share(size)0.06 ₹-12.39 ₹Q4 FY25-26
gross yield (annualized)7.53 %10.35 %FY25-26
net yield (annualized)5.80 %6.83 %FY25-26
Common Service Centres (CSC) policies(size)0 count1 countQ4 FY25-26 / Q1 FY26-27
Direct Business – Online premium(size)19042 ₹ lakh663 ₹ lakhQ3 FY25-26 / Q1 FY26-27
Direct Business – Online policies(size)28218 count4630 countQ3 FY25-26 / Q1 FY26-27
gross npa ratio0.23 %1.01 %Q1 FY25-26 / Q1 FY26-27
claim settlement ratio88.2 %84.9 %FY24-25
available solvency margin(size)189596 ₹ lakh-874629 ₹ lakhQ4 FY24-25 / Q1 FY26-27
required solvency margin(size)96499 ₹ lakh588214 ₹ lakhQ4 FY24-25 / Q1 FY26-27
solvency ratio1.96 ×-1.49 ×Q4 FY24-25 / Q1 FY26-27
claims repudiation ratio3.12 %3.96 %FY24-25
gross NPA ratio0.36 %1.00 %Q3 FY24-25 / Q4 FY25-26
gross written premium(size)1458 ₹ crore20072 ₹ croreQ1 FY24-25 / FY25-03

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

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Generali Central Insurance (formerly Future Generali)
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United India Insurance
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