Digit General Insurance vs ICICI Lombard General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Digit General Insurance | ICICI Lombard General Insurance | Period |
|---|---|---|---|
| net yield (quarterly) | 1.36 % | 1.28 % | Q1 FY26-27 |
| personal accident incurred claims ratio | 83.2 % | 55.0 % | Q1 FY26-27 |
| motor od incurred claims ratio | 75.9 % | 68.0 % | Q1 FY26-27 |
| Brokers premium(size) | 133957 ₹ lakh | 478325 ₹ lakh | Q1 FY26-27 |
| profit before tax(size) | 115 ₹ crore | 536 ₹ crore | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 52.00 × | 50.00 × | Q1 FY26-27 |
| liability incurred claims ratio | 0.0 % | 47.0 % | Q1 FY26-27 |
| Web Aggregators premium(size) | 8 ₹ lakh | 95 ₹ lakh | Q1 FY26-27 |
| operating profit ratio | 3.5 % | 3.9 % | Q1 FY26-27 |
| expense ratio | 39.0 % | 36.2 % | Q1 FY26-27 |
| aviation combined ratio | 82.1 % | 58.2 % | Q1 FY26-27 |
| aviation segment premium(size) | 42 ₹ lakh | 2806 ₹ lakh | Q1 FY26-27 |
| debentures & bonds(size) | 295286 INR_lakhs | 1372814 INR_lakhs | Q1 FY26-27 |
| health incurred claims ratio | 88.7 % | 86.0 % | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 2201 ₹ lakh | 70235 ₹ lakh | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 4.2 % | 7.6 % | Q1 FY26-27 |
| required solvency margin(size) | 200837 ₹ lakh | 556784 ₹ lakh | Q1 FY26-27 |
| other investments(size) | 48690 INR_lakhs | 206438 INR_lakhs | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 6348 count | 920450 count | Q1 FY26-27 |
| workmen's compensation segment premium(size) | 2545 ₹ lakh | 5639 ₹ lakh | Q1 FY26-27 |
| marine cargo incurred claims ratio | 61.8 % | 83.0 % | Q1 FY26-27 |
| mutual funds(size) | 50143 INR_lakhs | 141183 INR_lakhs | Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 1932 ₹ lakh | 2274 ₹ lakh | Q1 FY26-27 |
| marine cargo combined ratio | -56.8 % | 109.3 % | Q1 FY26-27 |
| fire incurred claims ratio | 83.0 % | 118.0 % | Q1 FY26-27 |
| govt + approved securities(size) | 36.9 % | 36.0 % | Q1 FY26-27 |
| marine hull incurred claims ratio | 0.0 % | 52.0 % | Q1 FY26-27 |
| crop incurred claims ratio | -70.0 % | -335.0 % | Q1 FY26-27 |
| infrastructure & housing(size) | 680506 INR_lakhs | 1106060 INR_lakhs | Q1 FY26-27 |
| personal accident combined ratio | 91.2 % | 63.2 % | Q1 FY26-27 |
| personal accident segment premium(size) | 18061 ₹ lakh | 16238 ₹ lakh | Q1 FY26-27 |
| Web Aggregators policies(size) | 206 count | 11353 count | Q1 FY26-27 |
| aviation incurred claims ratio | 85.7 % | 48.0 % | Q1 FY26-27 |
| motor tp combined ratio | 114.1 % | 98.3 % | Q1 FY26-27 |
| health segment premium(size) | 38911 ₹ lakh | 297384 ₹ lakh | Q1 FY26-27 |
| motor tp incurred claims ratio | 66.6 % | 71.0 % | Q1 FY26-27 |
| Individual Agents policies(size) | 148999 count | 666612 count | Q1 FY26-27 |
| expense ratio to gross premium | 39.0 % | 28.8 % | Q1 FY26-27 |
| motor OD segment premium(size) | 52418 ₹ lakh | 140228 ₹ lakh | Q1 FY26-27 |
| travel segment premium(size) | 1294 ₹ lakh | 8634 ₹ lakh | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 28943 ₹ lakh | 25909 ₹ lakh | Q1 FY26-27 |
| travel incurred claims ratio | 59.5 % | 56.0 % | Q1 FY26-27 |
| marine cargo segment premium(size) | 3427 ₹ lakh | 32076 ₹ lakh | Q1 FY26-27 |
| combined ratio | 112.4 % | 107.2 % | Q1 FY26-27 |
| real estate & subsidiaries(size) | 14701 INR_lakhs | 8318 INR_lakhs | Q1 FY26-27 |
| engineering segment premium(size) | 6956 ₹ lakh | 33811 ₹ lakh | Q1 FY26-27 |
| gross direct premium growth rate(size) | -2.4 % | 7.5 % | Q1 FY26-27 |
| motor TP segment premium(size) | 94973 ₹ lakh | 138383 ₹ lakh | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 29611 count | 44394 count | Q1 FY26-27 |
| profit after tax(size) | 86 ₹ crore | 403 ₹ crore | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 228311 count | 663511 count | Q1 FY26-27 |
| net retention ratio(size) | 76.7 % | 74.5 % | Q1 FY26-27 |
| Direct Business – Online policies(size) | 136826 count | 7286 count | Q1 FY26-27 |
| underwriting balance ratio | -14.0 % | -0.1 % | Q1 FY26-27 |
| Common Service Centres (CSC) premium(size) | 442 ₹ lakh | 90 ₹ lakh | Q1 FY26-27 |
| workmen's compensation incurred claims ratio | 69.8 % | 59.0 % | Q1 FY26-27 |
| liability segment premium(size) | 5 ₹ lakh | 3592 ₹ lakh | Q1 FY26-27 |
| investment income ratio | 1.8 % | 1.9 % | Q1 FY26-27 |
| engineering incurred claims ratio | 82.4 % | 87.0 % | Q1 FY26-27 |
| net worth growth rate(size) | 12.0 % | 0.9 % | Q1 FY26-27 |
| available solvency margin(size) | 487296 ₹ lakh | 1501016 ₹ lakh | Q1 FY26-27 |
| Brokers policies(size) | 2801650 count | 4944886 count | Q1 FY26-27 |
| engineering combined ratio | 38.1 % | 85.2 % | Q1 FY26-27 |
| fire segment premium(size) | 16719 ₹ lakh | 99719 ₹ lakh | Q1 FY26-27 |
| equity & preference shares(size) | 381576 INR_lakhs | 820242 INR_lakhs | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 13970 ₹ lakh | 13241 ₹ lakh | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 7.3 % | 7.4 % | Q1 FY26-27 |
| housing & infrastructure(size) | 29.3 % | 19.0 % | Q1 FY26-27 |
| motor od combined ratio | 135.5 % | 118.1 % | Q1 FY26-27 |
| travel combined ratio | 112.8 % | 107.5 % | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 603920 count | 803441 count | Q1 FY26-27 |
| marine hull segment premium(size) | 7 ₹ lakh | 4343 ₹ lakh | Q1 FY26-27 |
| MISP (Direct) policies(size) | 205332 count | 1496026 count | Q1 FY26-27 |
| marine hull combined ratio | 0.0 % | 40.9 % | Q1 FY26-27 |
| incurred claims ratio | 73.3 % | 76.4 % | Q1 FY26-27 |
| crop combined ratio | 4.0 % | -359.1 % | Q1 FY26-27 |
| Direct Business – Online premium(size) | 3562 ₹ lakh | 82086 ₹ lakh | Q1 FY26-27 |
| workmen's compensation combined ratio | 102.6 % | 107.0 % | Q1 FY26-27 |
| fire combined ratio | 56.8 % | 120.5 % | Q1 FY26-27 |
| net commission ratio(size) | 29.4 % | 18.9 % | Q1 FY26-27 |
| central govt. securities(size) | 28.1 % | 22.0 % | Q1 FY26-27 |
| MISP (Direct) premium(size) | 8727 ₹ lakh | 21285 ₹ lakh | Q1 FY26-27 |
| gross yield (quarterly) | 1.82 % | 1.89 % | Q1 FY26-27 |
| Individual Agents premium(size) | 14822 ₹ lakh | 98119 ₹ lakh | Q1 FY26-27 |
| Common Service Centres (CSC) policies(size) | 28987 count | 5216 count | Q1 FY26-27 |
| government securities(size) | 838284 INR_lakhs | 2159709 INR_lakhs | Q1 FY26-27 |
| liability combined ratio | -100.0 % | 100.4 % | Q1 FY26-27 |
| health combined ratio | 108.4 % | 109.7 % | Q1 FY26-27 |
| solvency ratio | 2.43 × | 2.00 × | Q1 FY26-27 |
| other approved securities(size) | 36185 INR_lakhs | 243176 INR_lakhs | Q1 FY26-27 |
| Direct Business – Others policies(size) | 0 count | 756042 count | Q4 FY25-26 / Q1 FY26-27 |
| gross yield (annualized) | 7.43 % | 8.18 % | Q4 FY25-26 |
| debt to equity ratio | 0.08 × | 0.00 × | Q4 FY25-26 / Q1 FY26-27 |
| net earning ratio | 7.1 % | 6.8 % | Q4 FY25-26 / Q1 FY26-27 |
| Direct Business – Others premium(size) | 0 ₹ lakh | 38027 ₹ lakh | Q4 FY25-26 / Q1 FY26-27 |
| net yield (annualized) | 6.40 % | 5.52 % | Q4 FY25-26 |
| book value per share(size) | 49.61 ₹ | 340.46 ₹ | Q4 FY25-26 / Q1 FY26-27 |
| claim settlement ratio | 90.7 % | 81.0 % | FY24-25 |
| gross written premium(size) | 8472 ₹ crore | 28712 ₹ crore | FY25-03 / Q4 FY25-26 |
| claims repudiation ratio | 2.97 % | 8.28 % | FY24-25 |
| crop insurance segment premium(size) | 0 ₹ lakh | 1830 ₹ lakh | Q4 FY24-25 / Q1 FY26-27 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.