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Digit General Insurance vs United India Insurance: IRDAI Data Comparison

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

MetricDigit General InsuranceUnited India InsurancePeriod
net yield (quarterly)1.36 %5.92 %Q1 FY26-27
personal accident incurred claims ratio83.2 %116.6 %Q1 FY26-27 / Q4 FY25-26
motor od incurred claims ratio75.9 %98.5 %Q1 FY26-27 / Q4 FY25-26
Brokers premium(size)133957 ₹ lakh226344 ₹ lakhQ1 FY26-27
profit before tax(size)115 ₹ crore-809 ₹ croreQ1 FY26-27
gross direct premium to net worth ratio(size)52.00 ×-80.00 ×Q1 FY26-27
liability incurred claims ratio0.0 %42.2 %Q1 FY26-27 / Q4 FY25-26
Web Aggregators premium(size)8 ₹ lakh18079 ₹ lakhQ1 FY26-27
operating profit ratio3.5 %-17.3 %Q1 FY26-27
expense ratio39.0 %35.5 %Q1 FY26-27
aviation combined ratio82.1 %2328.7 %Q1 FY26-27 / Q4 FY25-26
aviation segment premium(size)42 ₹ lakh542 ₹ lakhQ1 FY26-27
debentures & bonds(size)295286 INR_lakhs233920 INR_lakhsQ1 FY26-27
health incurred claims ratio88.7 %103.9 %Q1 FY26-27 / Q4 FY25-26
Corporate Agents – Banks premium(size)2201 ₹ lakh980 ₹ lakhQ1 FY26-27
required solvency margin(size)200837 ₹ lakh588214 ₹ lakhQ1 FY26-27
other investments(size)48690 INR_lakhs73696 INR_lakhsQ1 FY26-27
Corporate Agents – Banks policies(size)6348 count34735 countQ1 FY26-27
workmen's compensation segment premium(size)2545 ₹ lakh1922 ₹ lakhQ1 FY26-27
marine cargo incurred claims ratio61.8 %68.7 %Q1 FY26-27 / Q4 FY25-26
mutual funds(size)50143 INR_lakhs145809 INR_lakhsQ1 FY26-27
Insurance Marketing Firm premium(size)1932 ₹ lakh600 ₹ lakhQ1 FY26-27
marine cargo combined ratio-56.8 %108.4 %Q1 FY26-27 / Q4 FY25-26
fire incurred claims ratio83.0 %107.6 %Q1 FY26-27 / Q4 FY25-26
govt + approved securities(size)36.9 %49.1 %Q1 FY26-27
marine hull incurred claims ratio0.0 %21.2 %Q1 FY26-27 / Q4 FY25-26
crop incurred claims ratio-70.0 %63.6 %Q1 FY26-27 / Q4 FY25-26
infrastructure & housing(size)680506 INR_lakhs763969 INR_lakhsQ1 FY26-27
personal accident combined ratio91.2 %151.3 %Q1 FY26-27 / Q4 FY25-26
personal accident segment premium(size)18061 ₹ lakh7681 ₹ lakhQ1 FY26-27
Web Aggregators policies(size)206 count722317 countQ1 FY26-27
aviation incurred claims ratio85.7 %1790.1 %Q1 FY26-27 / Q4 FY25-26
motor tp combined ratio114.1 %157.7 %Q1 FY26-27 / Q4 FY25-26
health segment premium(size)38911 ₹ lakh206119 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio66.6 %105.4 %Q1 FY26-27 / Q4 FY25-26
Individual Agents policies(size)148999 count2597447 countQ1 FY26-27
expense ratio to gross premium39.0 %27.3 %Q1 FY26-27
motor OD segment premium(size)52418 ₹ lakh47468 ₹ lakhQ1 FY26-27
travel segment premium(size)1294 ₹ lakh116 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)28943 ₹ lakh5345 ₹ lakhQ1 FY26-27
marine cargo segment premium(size)3427 ₹ lakh6765 ₹ lakhQ1 FY26-27
combined ratio112.4 %139.1 %Q1 FY26-27
real estate & subsidiaries(size)14701 INR_lakhs0 INR_lakhsQ1 FY26-27
engineering segment premium(size)6956 ₹ lakh12861 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)-2.4 %-27.0 %Q1 FY26-27
motor TP segment premium(size)94973 ₹ lakh187028 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)29611 count7461 countQ1 FY26-27
profit after tax(size)86 ₹ crore-809 ₹ croreQ1 FY26-27
Corporate Agents – Others policies(size)228311 count50625 countQ1 FY26-27
net retention ratio(size)76.7 %71.9 %Q1 FY26-27
Direct Business – Officers/Employees premium(size)36113 ₹ lakh9383 ₹ lakhQ1 FY26-27
Direct Business – Online policies(size)136826 count4630 countQ1 FY26-27
underwriting balance ratio-14.0 %-34.6 %Q1 FY26-27
Common Service Centres (CSC) premium(size)442 ₹ lakh0 ₹ lakhQ1 FY26-27
workmen's compensation incurred claims ratio69.8 %19.1 %Q1 FY26-27 / Q4 FY25-26
liability segment premium(size)5 ₹ lakh8837 ₹ lakhQ1 FY26-27
investment income ratio1.8 %8.9 %Q1 FY26-27
engineering incurred claims ratio82.4 %43.4 %Q1 FY26-27 / Q4 FY25-26
net worth growth rate(size)12.0 %0.0 %Q1 FY26-27
available solvency margin(size)487296 ₹ lakh-874629 ₹ lakhQ1 FY26-27
Direct Business – Officers/Employees policies(size)21888 count406 countQ1 FY26-27
Brokers policies(size)2801650 count1143981 countQ1 FY26-27
engineering combined ratio38.1 %97.9 %Q1 FY26-27 / Q4 FY25-26
fire segment premium(size)16719 ₹ lakh61685 ₹ lakhQ1 FY26-27
equity & preference shares(size)381576 INR_lakhs805380 INR_lakhsQ1 FY26-27
Corporate Agents – Others premium(size)13970 ₹ lakh1598 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)7.3 %9.0 %Q1 FY26-27
housing & infrastructure(size)29.3 %19.6 %Q1 FY26-27
motor od combined ratio135.5 %143.8 %Q1 FY26-27 / Q4 FY25-26
Point of Sales Person (Direct) policies(size)603920 count87834 countQ1 FY26-27
marine hull segment premium(size)7 ₹ lakh5184 ₹ lakhQ1 FY26-27
MISP (Direct) policies(size)205332 count4495 countQ1 FY26-27
marine hull combined ratio0.0 %70.3 %Q1 FY26-27 / Q4 FY25-26
incurred claims ratio73.3 %103.6 %Q1 FY26-27
crop combined ratio4.0 %83.2 %Q1 FY26-27 / Q4 FY25-26
Direct Business – Online premium(size)3562 ₹ lakh663 ₹ lakhQ1 FY26-27
workmen's compensation combined ratio102.6 %64.8 %Q1 FY26-27 / Q4 FY25-26
fire combined ratio56.8 %176.5 %Q1 FY26-27 / Q4 FY25-26
net commission ratio(size)29.4 %18.3 %Q1 FY26-27
central govt. securities(size)28.1 %23.1 %Q1 FY26-27
MISP (Direct) premium(size)8727 ₹ lakh612 ₹ lakhQ1 FY26-27
gross yield (quarterly)1.82 %8.97 %Q1 FY26-27
Individual Agents premium(size)14822 ₹ lakh186927 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) policies(size)28987 count1 countQ1 FY26-27
government securities(size)838284 INR_lakhs1624959 INR_lakhsQ1 FY26-27
liability combined ratio-100.0 %96.5 %Q1 FY26-27 / Q4 FY25-26
health combined ratio108.4 %132.0 %Q1 FY26-27 / Q4 FY25-26
solvency ratio2.43 ×-1.49 ×Q1 FY26-27
other approved securities(size)36185 INR_lakhs0 INR_lakhsQ1 FY26-27
Direct Business – Others policies(size)0 count87890 countQ4 FY25-26 / Q1 FY26-27
gross yield (annualized)7.43 %10.35 %Q4 FY25-26 / FY25-26
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ4 FY25-26 / Q1 FY26-27
Micro Agents policies(size)0 count0 countQ4 FY25-26 / Q1 FY26-27
Other premium(size)0 ₹ lakh125587 ₹ lakhQ4 FY25-26
net earning ratio7.1 %-15.3 %Q4 FY25-26
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ4 FY25-26 / Q1 FY26-27
Direct Business – Others premium(size)0 ₹ lakh104025 ₹ lakhQ4 FY25-26 / Q1 FY26-27
Other policies(size)0 count131 countQ4 FY25-26
net yield (annualized)6.40 %6.83 %Q4 FY25-26 / FY25-26
earnings per share(size)1.62 ₹-12.39 ₹Q4 FY25-26
Referral Arrangements policies(size)0 count0 countQ4 FY25-26 / Q1 FY26-27
book value per share(size)49.61 ₹-15.98 ₹Q4 FY25-26
claim settlement ratio90.7 %84.9 %FY24-25
gross written premium(size)8472 ₹ crore20072 ₹ croreFY25-03
claims repudiation ratio2.97 %3.96 %FY24-25
crop insurance segment premium(size)0 ₹ lakh0 ₹ lakhQ4 FY24-25 / Q1 FY26-27

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

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Digit General Insurance
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United India Insurance
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