Factuary

Generali Central Insurance (formerly Future Generali) vs Universal Sompo General Insurance: IRDAI Data Comparison

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

MetricGenerali Central Insurance (formerly Future Generali)Universal Sompo General InsurancePeriod
profit before tax(size)-112 ₹ crore55 ₹ croreQ1 FY26-27
engineering combined ratio205.0 %73.3 %Q1 FY26-27
underwriting balance ratio-29.5 %-8.0 %Q1 FY26-27
Individual Agents policies(size)82090 count46866 countQ1 FY26-27
liability incurred claims ratio-5.0 %-2.9 %Q1 FY26-27
aviation combined ratio0.0 %0.0 %Q1 FY26-27
Corporate Agents – Others premium(size)3454 ₹ lakh2597 ₹ lakhQ1 FY26-27
fire segment premium(size)15519 ₹ lakh9563 ₹ lakhQ1 FY26-27
engineering segment premium(size)3438 ₹ lakh664 ₹ lakhQ1 FY26-27
profit after tax(size)-84 ₹ crore41 ₹ croreQ1 FY26-27
net commission ratio(size)21.2 %10.4 %Q1 FY26-27
health combined ratio103.0 %87.1 %Q1 FY26-27
crop insurance segment premium(size)-155 ₹ lakh2057 ₹ lakhQ1 FY26-27
workmen's compensation incurred claims ratio135.0 %68.5 %Q1 FY26-27
fire incurred claims ratio137.0 %-241.8 %Q1 FY26-27
gross direct premium to net worth ratio(size)78.90 ×93.00 ×Q1 FY26-27
government securities(size)386901 INR_lakhs263751 INR_lakhsQ1 FY26-27
central govt. securities(size)24.3 %25.0 %Q1 FY26-27
combined ratio127.9 %104.3 %Q1 FY26-27
net worth growth rate(size)-6.8 %12.0 %Q1 FY26-27
Web Aggregators premium(size)15 ₹ lakh919 ₹ lakhQ1 FY26-27
travel incurred claims ratio89.0 %5.5 %Q1 FY26-27
investment income ratio1.9 %1.8 %Q1 FY26-27
Brokers premium(size)70748 ₹ lakh108870 ₹ lakhQ1 FY26-27
debentures & bonds(size)191956 INR_lakhs167084 INR_lakhsQ1 FY26-27
liability combined ratio26.0 %26.4 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)39965 count146450 countQ1 FY26-27
workmen's compensation combined ratio173.0 %96.4 %Q1 FY26-27
claims paid to provisioned ratio(size)12.3 %20.1 %Q1 FY26-27
marine hull segment premium(size)0 ₹ lakh7138 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)188536 count129053 countQ1 FY26-27
motor tp combined ratio121.0 %77.5 %Q1 FY26-27
motor od incurred claims ratio89.0 %102.0 %Q1 FY26-27
technical reserves to premium ratio(size)695.3 %4.2 %Q1 FY26-27
marine cargo incurred claims ratio156.0 %113.6 %Q1 FY26-27
operating profit ratio-14.7 %4.6 %Q1 FY26-27
motor od combined ratio132.0 %149.2 %Q1 FY26-27
Insurance Marketing Firm premium(size)892 ₹ lakh507 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)5371 ₹ lakh20072 ₹ lakhQ1 FY26-27
Brokers policies(size)204212 count853611 countQ1 FY26-27
net retention ratio(size)72.6 %52.1 %Q1 FY26-27
expense ratio to gross premium29.5 %28.7 %Q1 FY26-27
gross direct premium growth rate(size)-4.5 %33.5 %Q1 FY26-27
Corporate Agents – Others policies(size)24555 count22034 countQ1 FY26-27
expense ratio40.2 %24.0 %Q1 FY26-27
liability segment premium(size)1119 ₹ lakh867 ₹ lakhQ1 FY26-27
personal accident combined ratio116.0 %89.3 %Q1 FY26-27
other investments(size)19050 INR_lakhs21552 INR_lakhsQ1 FY26-27
net yield (quarterly)1.38 %5.36 %Q1 FY26-27
infrastructure & housing(size)197862 INR_lakhs197661 INR_lakhsQ1 FY26-27
travel combined ratio162.0 %169.0 %Q1 FY26-27
personal accident incurred claims ratio90.0 %74.3 %Q1 FY26-27
Corporate Agents – Banks premium(size)8421 ₹ lakh11348 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)10969 count4758 countQ1 FY26-27
equity & preference shares(size)21690 INR_lakhs42415 INR_lakhsQ1 FY26-27
crop combined ratio1418.0 %148.0 %Q1 FY26-27
housing & infrastructure(size)24.1 %29.0 %Q1 FY26-27
motor TP segment premium(size)19610 ₹ lakh61853 ₹ lakhQ1 FY26-27
motor OD segment premium(size)24921 ₹ lakh44195 ₹ lakhQ1 FY26-27
travel segment premium(size)171 ₹ lakh478 ₹ lakhQ1 FY26-27
health segment premium(size)33875 ₹ lakh34439 ₹ lakhQ1 FY26-27
engineering incurred claims ratio116.0 %26.0 %Q1 FY26-27
motor tp incurred claims ratio82.0 %65.8 %Q1 FY26-27
health incurred claims ratio71.0 %71.0 %Q1 FY26-27
gross yield (quarterly)1.84 %7.16 %Q1 FY26-27
Individual Agents premium(size)16592 ₹ lakh7540 ₹ lakhQ1 FY26-27
aviation incurred claims ratio100.0 %0.0 %Q1 FY26-27
fire combined ratio186.0 %-286.4 %Q1 FY26-27
Web Aggregators policies(size)117 count760 countQ1 FY26-27
workmen's compensation segment premium(size)890 ₹ lakh87 ₹ lakhQ1 FY26-27
marine cargo segment premium(size)5649 ₹ lakh2242 ₹ lakhQ1 FY26-27
marine hull combined ratio0.0 %-881.7 %Q1 FY26-27
marine cargo combined ratio193.0 %143.2 %Q1 FY26-27
incurred claims ratio90.1 %80.3 %Q1 FY26-27
crop incurred claims ratio318.0 %83.5 %Q1 FY26-27
personal accident segment premium(size)6133 ₹ lakh6636 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio0.0 %22.2 %Q1 FY26-27
govt + approved securities(size)47.2 %37.0 %Q1 FY26-27
other combined ratio105.0 %60.0 %Q4 FY25-26
book value per share(size)10.91 ₹50.20 ₹Q4 FY25-26
net earning ratio0.8 %5.8 %Q4 FY25-26
Common Service Centres (CSC) premium(size)0 ₹ lakh634 ₹ lakhQ4 FY25-26 / Q1 FY26-27
earnings per share(size)0.06 ₹1.52 ₹Q4 FY25-26
gross yield (annualized)7.53 %8.00 %FY25-26 / Q4 FY25-26
other incurred claims ratio58.0 %74.0 %Q4 FY25-26
debt to equity ratio0.39 ×0.14 ×Q4 FY25-26
net yield (annualized)5.80 %6.00 %FY25-26 / Q4 FY25-26
Common Service Centres (CSC) policies(size)0 count22916 countQ4 FY25-26 / Q1 FY26-27
claim settlement ratio88.2 %91.3 %FY24-25
solvency ratio1.96 ×1.97 ×Q4 FY24-25
claims repudiation ratio3.12 %1.76 %FY24-25
gross written premium(size)1458 ₹ crore5078 ₹ croreQ1 FY24-25 / FY25-03

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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Universal Sompo General Insurance
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