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Digit General Insurance vs Zuno General Insurance: IRDAI Data Comparison

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

MetricDigit General InsuranceZuno General InsurancePeriod
net yield (quarterly)1.36 %2.05 %Q1 FY26-27
personal accident incurred claims ratio83.2 %96.0 %Q1 FY26-27
motor od incurred claims ratio75.9 %80.0 %Q1 FY26-27
Brokers premium(size)133957 ₹ lakh34463 ₹ lakhQ1 FY26-27
profit before tax(size)115 ₹ crore-4 ₹ croreQ1 FY26-27
gross direct premium to net worth ratio(size)52.00 ×98.00 ×Q1 FY26-27
liability incurred claims ratio0.0 %55.0 %Q1 FY26-27
Web Aggregators premium(size)8 ₹ lakh2 ₹ lakhQ1 FY26-27
operating profit ratio3.5 %-3.0 %Q1 FY26-27
expense ratio39.0 %34.0 %Q1 FY26-27
aviation segment premium(size)42 ₹ lakh0 ₹ lakhQ1 FY26-27
debentures & bonds(size)295286 INR_lakhs35131 INR_lakhsQ1 FY26-27
health incurred claims ratio88.7 %99.0 %Q1 FY26-27
Corporate Agents – Banks premium(size)2201 ₹ lakh-2 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)4.2 %57.0 %Q1 FY26-27
other investments(size)48690 INR_lakhs20794 INR_lakhsQ1 FY26-27
Corporate Agents – Banks policies(size)6348 count3 countQ1 FY26-27
workmen's compensation segment premium(size)2545 ₹ lakh1 ₹ lakhQ1 FY26-27
marine cargo incurred claims ratio61.8 %903.0 %Q1 FY26-27
mutual funds(size)50143 INR_lakhs7230 INR_lakhsQ1 FY26-27
Insurance Marketing Firm premium(size)1932 ₹ lakh64 ₹ lakhQ1 FY26-27
marine cargo combined ratio-56.8 %936.0 %Q1 FY26-27
fire incurred claims ratio83.0 %-46.0 %Q1 FY26-27
govt + approved securities(size)36.9 %31.0 %Q1 FY26-27
infrastructure & housing(size)680506 INR_lakhs52190 INR_lakhsQ1 FY26-27
personal accident combined ratio91.2 %124.0 %Q1 FY26-27
personal accident segment premium(size)18061 ₹ lakh2430 ₹ lakhQ1 FY26-27
Web Aggregators policies(size)206 count26 countQ1 FY26-27
motor tp combined ratio114.1 %89.0 %Q1 FY26-27
health segment premium(size)38911 ₹ lakh12044 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio66.6 %53.0 %Q1 FY26-27
Individual Agents policies(size)148999 count2652 countQ1 FY26-27
expense ratio to gross premium39.0 %31.0 %Q1 FY26-27
motor OD segment premium(size)52418 ₹ lakh11217 ₹ lakhQ1 FY26-27
travel segment premium(size)1294 ₹ lakh40 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)28943 ₹ lakh1065 ₹ lakhQ1 FY26-27
travel incurred claims ratio59.5 %199.0 %Q1 FY26-27
marine cargo segment premium(size)3427 ₹ lakh104 ₹ lakhQ1 FY26-27
combined ratio112.4 %115.0 %Q1 FY26-27
real estate & subsidiaries(size)14701 INR_lakhs4636 INR_lakhsQ1 FY26-27
engineering segment premium(size)6956 ₹ lakh121 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)-2.4 %62.0 %Q1 FY26-27
motor TP segment premium(size)94973 ₹ lakh10171 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)29611 count416 countQ1 FY26-27
profit after tax(size)86 ₹ crore-4 ₹ croreQ1 FY26-27
Corporate Agents – Others policies(size)228311 count4637 countQ1 FY26-27
net retention ratio(size)76.7 %57.0 %Q1 FY26-27
underwriting balance ratio-14.0 %-0.2 %Q1 FY26-27
Common Service Centres (CSC) premium(size)442 ₹ lakh0 ₹ lakhQ1 FY26-27
workmen's compensation incurred claims ratio69.8 %56.0 %Q1 FY26-27
liability segment premium(size)5 ₹ lakh91 ₹ lakhQ1 FY26-27
investment income ratio1.8 %2.1 %Q1 FY26-27
engineering incurred claims ratio82.4 %471.0 %Q1 FY26-27
net worth growth rate(size)12.0 %13.0 %Q1 FY26-27
Brokers policies(size)2801650 count221205 countQ1 FY26-27
engineering combined ratio38.1 %-308.0 %Q1 FY26-27
fire segment premium(size)16719 ₹ lakh1482 ₹ lakhQ1 FY26-27
equity & preference shares(size)381576 INR_lakhs4406 INR_lakhsQ1 FY26-27
Corporate Agents – Others premium(size)13970 ₹ lakh3306 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)7.3 %6.3 %Q1 FY26-27
housing & infrastructure(size)29.3 %26.0 %Q1 FY26-27
motor od combined ratio135.5 %133.0 %Q1 FY26-27
travel combined ratio112.8 %260.0 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)603920 count9545 countQ1 FY26-27
marine hull segment premium(size)7 ₹ lakh0 ₹ lakhQ1 FY26-27
MISP (Direct) policies(size)205332 count1970 countQ1 FY26-27
incurred claims ratio73.3 %81.0 %Q1 FY26-27
workmen's compensation combined ratio102.6 %93.0 %Q1 FY26-27
fire combined ratio56.8 %-38.0 %Q1 FY26-27
net commission ratio(size)29.4 %10.0 %Q1 FY26-27
central govt. securities(size)28.1 %23.0 %Q1 FY26-27
MISP (Direct) premium(size)8727 ₹ lakh431 ₹ lakhQ1 FY26-27
gross yield (quarterly)1.82 %2.05 %Q1 FY26-27
Individual Agents premium(size)14822 ₹ lakh339 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) policies(size)28987 count0 countQ1 FY26-27
government securities(size)838284 INR_lakhs41239 INR_lakhsQ1 FY26-27
liability combined ratio-100.0 %77.0 %Q1 FY26-27
health combined ratio108.4 %126.0 %Q1 FY26-27
solvency ratio2.43 ×1.64 ×Q1 FY26-27
other approved securities(size)36185 INR_lakhs15995 INR_lakhsQ1 FY26-27
gross yield (annualized)7.43 %8.42 %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 ₹ lakh0 ₹ lakhQ4 FY25-26 / Q1 FY26-27
net earning ratio7.1 %-2.0 %Q4 FY25-26 / Q1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ4 FY25-26 / Q1 FY26-27
Other policies(size)0 count0 countQ4 FY25-26 / Q1 FY26-27
net yield (annualized)6.40 %8.42 %Q4 FY25-26 / FY25-26
Referral Arrangements policies(size)0 count0 countQ4 FY25-26 / Q1 FY26-27
claim settlement ratio90.7 %70.9 %FY24-25 / Q1 FY26-27
gross written premium(size)8472 ₹ crore402 ₹ croreFY25-03 / Q1 FY26-27
claims repudiation ratio2.97 %7.59 %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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Zuno General Insurance
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