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Generali Central Insurance (formerly Future Generali) vs Zurich Kotak General Insurance: IRDAI Data Comparison

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

MetricGenerali Central Insurance (formerly Future Generali)Zurich Kotak General InsurancePeriod
profit before tax(size)-112 ₹ crore-64 ₹ croreQ1 FY26-27
engineering combined ratio205.0 %85.0 %Q1 FY26-27
underwriting balance ratio-29.5 %-36.0 %Q1 FY26-27
Individual Agents policies(size)82090 count6676 countQ1 FY26-27
liability incurred claims ratio-5.0 %72.0 %Q1 FY26-27
Corporate Agents – Others premium(size)3454 ₹ lakh3788 ₹ lakhQ1 FY26-27
fire segment premium(size)15519 ₹ lakh6360 ₹ lakhQ1 FY26-27
engineering segment premium(size)3438 ₹ lakh970 ₹ lakhQ1 FY26-27
profit after tax(size)-84 ₹ crore-64 ₹ croreQ1 FY26-27
net commission ratio(size)21.2 %21.0 %Q1 FY26-27
health combined ratio103.0 %115.0 %Q1 FY26-27
crop insurance segment premium(size)-155 ₹ lakh0 ₹ lakhQ1 FY26-27
workmen's compensation incurred claims ratio135.0 %24.0 %Q1 FY26-27
fire incurred claims ratio137.0 %42.0 %Q1 FY26-27
gross direct premium to net worth ratio(size)78.90 ×41.00 ×Q1 FY26-27
government securities(size)386901 INR_lakhs154635 INR_lakhsQ1 FY26-27
central govt. securities(size)24.3 %21.9 %Q1 FY26-27
combined ratio127.9 %132.0 %Q1 FY26-27
net worth growth rate(size)-6.8 %-17.0 %Q1 FY26-27
Web Aggregators premium(size)15 ₹ lakh7 ₹ lakhQ1 FY26-27
travel incurred claims ratio89.0 %102.0 %Q1 FY26-27
investment income ratio1.9 %7.0 %Q1 FY26-27
Brokers premium(size)70748 ₹ lakh39676 ₹ lakhQ1 FY26-27
debentures & bonds(size)191956 INR_lakhs117050 INR_lakhsQ1 FY26-27
liability combined ratio26.0 %118.0 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)39965 count15038 countQ1 FY26-27
workmen's compensation combined ratio173.0 %63.0 %Q1 FY26-27
claims paid to provisioned ratio(size)12.3 %12.0 %Q1 FY26-27
marine hull segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)188536 count26983 countQ1 FY26-27
motor tp combined ratio121.0 %150.0 %Q1 FY26-27
motor od incurred claims ratio89.0 %92.0 %Q1 FY26-27
technical reserves to premium ratio(size)695.3 %5.4 %Q1 FY26-27
marine cargo incurred claims ratio156.0 %126.0 %Q1 FY26-27
operating profit ratio-14.7 %-23.0 %Q1 FY26-27
motor od combined ratio132.0 %147.0 %Q1 FY26-27
Insurance Marketing Firm premium(size)892 ₹ lakh65 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)5371 ₹ lakh2022 ₹ lakhQ1 FY26-27
Brokers policies(size)204212 count326637 countQ1 FY26-27
net retention ratio(size)72.6 %73.0 %Q1 FY26-27
expense ratio to gross premium29.5 %37.0 %Q1 FY26-27
gross direct premium growth rate(size)-4.5 %9.0 %Q1 FY26-27
Corporate Agents – Others policies(size)24555 count20705 countQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh6 ₹ lakhQ1 FY26-27
expense ratio40.2 %46.0 %Q1 FY26-27
liability segment premium(size)1119 ₹ lakh4210 ₹ lakhQ1 FY26-27
personal accident combined ratio116.0 %87.0 %Q1 FY26-27
MISP (Direct) premium(size)571 ₹ lakh6 ₹ lakhQ1 FY26-27
other investments(size)19050 INR_lakhs24617 INR_lakhsQ1 FY26-27
net yield (quarterly)1.38 %7.04 %Q1 FY26-27
npa provision coverage100.0 %0.0 %Q1 FY26-27
infrastructure & housing(size)197862 INR_lakhs174877 INR_lakhsQ1 FY26-27
travel combined ratio162.0 %222.0 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
personal accident incurred claims ratio90.0 %33.0 %Q1 FY26-27
Corporate Agents – Banks premium(size)8421 ₹ lakh11060 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)10969 count765 countQ1 FY26-27
housing & infrastructure(size)24.1 %37.1 %Q1 FY26-27
gross npa (amount)1831 INR_lakhs0 INR_lakhsQ1 FY26-27
motor TP segment premium(size)19610 ₹ lakh11513 ₹ lakhQ1 FY26-27
motor OD segment premium(size)24921 ₹ lakh12994 ₹ lakhQ1 FY26-27
travel segment premium(size)171 ₹ lakh229 ₹ lakhQ1 FY26-27
health segment premium(size)33875 ₹ lakh19221 ₹ lakhQ1 FY26-27
engineering incurred claims ratio116.0 %26.0 %Q1 FY26-27
motor tp incurred claims ratio82.0 %106.0 %Q1 FY26-27
health incurred claims ratio71.0 %77.0 %Q1 FY26-27
MISP (Direct) policies(size)2511 count41 countQ1 FY26-27
gross yield (quarterly)1.84 %7.04 %Q1 FY26-27
Individual Agents premium(size)16592 ₹ lakh1563 ₹ lakhQ1 FY26-27
fire combined ratio186.0 %80.0 %Q1 FY26-27
Web Aggregators policies(size)117 count53 countQ1 FY26-27
workmen's compensation segment premium(size)890 ₹ lakh278 ₹ lakhQ1 FY26-27
marine cargo segment premium(size)5649 ₹ lakh3288 ₹ lakhQ1 FY26-27
marine cargo combined ratio193.0 %198.0 %Q1 FY26-27
Micro Agents policies(size)5 count4 countQ1 FY26-27 / Q4 FY25-26
incurred claims ratio90.1 %86.0 %Q1 FY26-27
personal accident segment premium(size)6133 ₹ lakh1622 ₹ lakhQ1 FY26-27
govt + approved securities(size)47.2 %32.8 %Q1 FY26-27
book value per share(size)10.91 ₹14.75 ₹Q4 FY25-26
net earning ratio0.8 %-22.0 %Q4 FY25-26
earnings per share(size)0.06 ₹-0.93 ₹Q4 FY25-26
gross yield (annualized)7.53 %7.39 %FY25-26
net yield (annualized)5.80 %7.39 %FY25-26
Direct Business – Online premium(size)19042 ₹ lakh388 ₹ lakhQ3 FY25-26 / Q1 FY26-27
Direct Business – Online policies(size)28218 count4507 countQ3 FY25-26 / Q1 FY26-27
gross npa ratio0.23 %0.00 %Q1 FY25-26 / Q1 FY26-27
claim settlement ratio88.2 %80.2 %FY24-25 / Q3 FY25-26
solvency ratio1.96 ×2.84 ×Q4 FY24-25 / Q1 FY26-27
claims repudiation ratio3.12 %3.79 %FY24-25
gross written premium(size)1458 ₹ crore625 ₹ croreQ1 FY24-25 / Q1 FY26-27
other segment premium(size)7301 ₹ lakh1807 ₹ 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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Zurich Kotak General Insurance
All IRDAI metrics →

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