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Digit General Insurance vs Oriental Insurance Company: IRDAI Data Comparison

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

MetricDigit General InsuranceOriental Insurance CompanyPeriod
net yield (quarterly)1.36 %5.82 %Q1 FY26-27
personal accident incurred claims ratio83.2 %72.5 %Q1 FY26-27
motor od incurred claims ratio75.9 %116.5 %Q1 FY26-27
Brokers premium(size)133957 ₹ lakh389890 ₹ lakhQ1 FY26-27
profit before tax(size)115 ₹ crore-340 ₹ croreQ1 FY26-27
gross direct premium to net worth ratio(size)52.00 ×-78.00 ×Q1 FY26-27
liability incurred claims ratio0.0 %19.7 %Q1 FY26-27
Web Aggregators premium(size)8 ₹ lakh15 ₹ lakhQ1 FY26-27
operating profit ratio3.5 %-760.0 %Q1 FY26-27
expense ratio39.0 %19.1 %Q1 FY26-27
aviation combined ratio82.1 %162.7 %Q1 FY26-27
aviation segment premium(size)42 ₹ lakh3844 ₹ lakhQ1 FY26-27
debentures & bonds(size)295286 INR_lakhs113014 INR_lakhsQ1 FY26-27
health incurred claims ratio88.7 %95.5 %Q1 FY26-27
Corporate Agents – Banks premium(size)2201 ₹ lakh5572 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)4.2 %13.6 %Q1 FY26-27
required solvency margin(size)200837 ₹ lakh587764 ₹ lakhQ1 FY26-27
other investments(size)48690 INR_lakhs68227 INR_lakhsQ1 FY26-27
Corporate Agents – Banks policies(size)6348 count53956 countQ1 FY26-27
workmen's compensation segment premium(size)2545 ₹ lakh1417 ₹ lakhQ1 FY26-27
marine cargo incurred claims ratio61.8 %61.8 %Q1 FY26-27
mutual funds(size)50143 INR_lakhs31097 INR_lakhsQ1 FY26-27
Insurance Marketing Firm premium(size)1932 ₹ lakh918 ₹ lakhQ1 FY26-27
marine cargo combined ratio-56.8 %83.6 %Q1 FY26-27
fire incurred claims ratio83.0 %95.6 %Q1 FY26-27
govt + approved securities(size)36.9 %56.5 %Q1 FY26-27
marine hull incurred claims ratio0.0 %70.7 %Q1 FY26-27
crop incurred claims ratio-70.0 %179.0 %Q1 FY26-27
infrastructure & housing(size)680506 INR_lakhs508049 INR_lakhsQ1 FY26-27
personal accident combined ratio91.2 %88.2 %Q1 FY26-27
personal accident segment premium(size)18061 ₹ lakh220939 ₹ lakhQ1 FY26-27
Web Aggregators policies(size)206 count153 countQ1 FY26-27
aviation incurred claims ratio85.7 %135.6 %Q1 FY26-27
motor tp combined ratio114.1 %198.5 %Q1 FY26-27
health segment premium(size)38911 ₹ lakh220179 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio66.6 %168.5 %Q1 FY26-27
Individual Agents policies(size)148999 count743681 countQ1 FY26-27
expense ratio to gross premium39.0 %15.5 %Q1 FY26-27
motor OD segment premium(size)52418 ₹ lakh28024 ₹ lakhQ1 FY26-27
travel segment premium(size)1294 ₹ lakh0 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)28943 ₹ lakh9562 ₹ lakhQ1 FY26-27
travel incurred claims ratio59.5 %0.0 %Q1 FY26-27
marine cargo segment premium(size)3427 ₹ lakh11763 ₹ lakhQ1 FY26-27
combined ratio112.4 %11916.0 %Q1 FY26-27
real estate & subsidiaries(size)14701 INR_lakhs5 INR_lakhsQ1 FY26-27
engineering segment premium(size)6956 ₹ lakh11513 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)-2.4 %484.0 %Q1 FY26-27
motor TP segment premium(size)94973 ₹ lakh61082 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)29611 count90 countQ1 FY26-27
profit after tax(size)86 ₹ crore-340 ₹ croreQ1 FY26-27
Corporate Agents – Others policies(size)228311 count18408 countQ1 FY26-27
net retention ratio(size)76.7 %6974.0 %Q1 FY26-27
Direct Business – Officers/Employees premium(size)36113 ₹ lakh1172 ₹ lakhQ1 FY26-27
Direct Business – Online policies(size)136826 count0 countQ1 FY26-27
underwriting balance ratio-14.0 %-19.0 %Q1 FY26-27
Common Service Centres (CSC) premium(size)442 ₹ lakh0 ₹ lakhQ1 FY26-27
workmen's compensation incurred claims ratio69.8 %67.3 %Q1 FY26-27
liability segment premium(size)5 ₹ lakh2838 ₹ lakhQ1 FY26-27
investment income ratio1.8 %0.0 %Q1 FY26-27
engineering incurred claims ratio82.4 %56.8 %Q1 FY26-27
net worth growth rate(size)12.0 %11532.0 %Q1 FY26-27
available solvency margin(size)487296 ₹ lakh-998362 ₹ lakhQ1 FY26-27
Direct Business – Officers/Employees policies(size)21888 count5203 countQ1 FY26-27
Brokers policies(size)2801650 count572387 countQ1 FY26-27
engineering combined ratio38.1 %74.9 %Q1 FY26-27
fire segment premium(size)16719 ₹ lakh44889 ₹ lakhQ1 FY26-27
equity & preference shares(size)381576 INR_lakhs729157 INR_lakhsQ1 FY26-27
Corporate Agents – Others premium(size)13970 ₹ lakh1425 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)7.3 %6.9 %Q1 FY26-27
housing & infrastructure(size)29.3 %17.3 %Q1 FY26-27
motor od combined ratio135.5 %141.4 %Q1 FY26-27
travel combined ratio112.8 %0.0 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)603920 count126089 countQ1 FY26-27
marine hull segment premium(size)7 ₹ lakh8707 ₹ lakhQ1 FY26-27
MISP (Direct) policies(size)205332 count82951 countQ1 FY26-27
marine hull combined ratio0.0 %89.0 %Q1 FY26-27
incurred claims ratio73.3 %10011.0 %Q1 FY26-27
crop combined ratio4.0 %233.8 %Q1 FY26-27
Direct Business – Online premium(size)3562 ₹ lakh0 ₹ lakhQ1 FY26-27
workmen's compensation combined ratio102.6 %91.0 %Q1 FY26-27
fire combined ratio56.8 %145.6 %Q1 FY26-27
net commission ratio(size)29.4 %766.0 %Q1 FY26-27
central govt. securities(size)28.1 %24.1 %Q1 FY26-27
MISP (Direct) premium(size)8727 ₹ lakh2015 ₹ lakhQ1 FY26-27
gross yield (quarterly)1.82 %8.94 %Q1 FY26-27
Individual Agents premium(size)14822 ₹ lakh114281 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) policies(size)28987 count0 countQ1 FY26-27
government securities(size)838284 INR_lakhs1142392 INR_lakhsQ1 FY26-27
liability combined ratio-100.0 %41.6 %Q1 FY26-27
health combined ratio108.4 %109.6 %Q1 FY26-27
solvency ratio2.43 ×-1.70 ×Q1 FY26-27
other approved securities(size)36185 INR_lakhs164 INR_lakhsQ1 FY26-27
Direct Business – Others policies(size)0 count0 countQ4 FY25-26
Micro Agents premium(size)0 ₹ lakh4 ₹ lakhQ4 FY25-26 / Q1 FY26-27
Micro Agents policies(size)0 count45 countQ4 FY25-26 / Q1 FY26-27
debt to equity ratio0.08 ×1.48 ×Q4 FY25-26 / Q1 FY22-23
Other premium(size)0 ₹ lakh0 ₹ lakhQ4 FY25-26
net earning ratio7.1 %-767.0 %Q4 FY25-26 / Q1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ4 FY25-26 / Q1 FY26-27
Direct Business – Others premium(size)0 ₹ lakh0 ₹ lakhQ4 FY25-26
Other policies(size)0 count0 countQ4 FY25-26
earnings per share(size)1.62 ₹-0.20 ₹Q4 FY25-26 / Q1 FY22-23
Referral Arrangements policies(size)0 count0 countQ4 FY25-26 / Q1 FY26-27
book value per share(size)49.61 ₹1.10 ₹Q4 FY25-26 / Q1 FY22-23
claim settlement ratio90.7 %85.5 %FY24-25
gross written premium(size)8472 ₹ crore11858 ₹ croreFY25-03 / Q1 FY26-27
claims repudiation ratio2.97 %0.34 %FY24-25
crop insurance segment premium(size)0 ₹ lakh34 ₹ lakhQ4 FY24-25 / Q1 FY26-27

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

Individual profiles

Digit General Insurance
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Oriental Insurance Company
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