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HDFC ERGO General Insurance vs Raheja QBE General Insurance: IRDAI Data Comparison

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

MetricHDFC ERGO General InsuranceRaheja QBE General InsurancePeriod
travel combined ratio107.0 %0.0 %Q1 FY26-27
motor TP segment premium(size)34409 ₹ lakh1599 ₹ lakhQ1 FY26-27
gross npa ratio0.55 %0.00 %Q1 FY26-27
incurred claims ratio87.5 %68.0 %Q1 FY26-27
engineering incurred claims ratio120.9 %-2398.0 %Q1 FY26-27
gross direct premium to net worth ratio(size)72.00 ×18.00 ×Q1 FY26-27
govt + approved securities(size)39.0 %33.7 %Q1 FY26-27
Direct Business – Others policies(size)1186996 count48 countQ1 FY26-27
engineering combined ratio141.9 %-1918.0 %Q1 FY26-27
liability combined ratio-70.2 %80.0 %Q1 FY26-27
mutual funds(size)568 INR_lakhs3780 INR_lakhsQ1 FY26-27
claims paid to provisioned ratio(size)6.0 %14.9 %Q1 FY26-27
gross npa (amount)15957 INR_lakhs0 INR_lakhsQ1 FY26-27
fire incurred claims ratio95.5 %57.0 %Q1 FY26-27
central govt. securities(size)21.0 %33.7 %Q1 FY26-27
liability incurred claims ratio-72.0 %28.0 %Q1 FY26-27
underwriting balance ratio-13.0 %1.0 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)3130 ₹ lakh78 ₹ lakhQ1 FY26-27
Direct Business – Online policies(size)81802 count123 countQ1 FY26-27
expense ratio to gross premium31.8 %38.6 %Q1 FY26-27
personal accident incurred claims ratio39.8 %-29.0 %Q1 FY26-27
Direct Business – Others premium(size)49626 ₹ lakh204 ₹ lakhQ1 FY26-27
health segment premium(size)196532 ₹ lakh452 ₹ lakhQ1 FY26-27
Corporate Agents – Others policies(size)697055 count18 countQ1 FY26-27
Common Service Centres (CSC) policies(size)11146 count0 countQ1 FY26-27
marine cargo segment premium(size)7067 ₹ lakh0 ₹ lakhQ1 FY26-27 / Q4 FY25-26
government securities(size)659572 INR_lakhs34374 INR_lakhsQ1 FY26-27
expense ratio23.1 %53.7 %Q1 FY26-27
motor od combined ratio220.8 %143.0 %Q1 FY26-27
housing & infrastructure(size)29.0 %34.1 %Q1 FY26-27
personal accident segment premium(size)19680 ₹ lakh-1 ₹ lakhQ1 FY26-27
workmen's compensation combined ratio113.7 %110.0 %Q1 FY26-27
motor OD segment premium(size)54367 ₹ lakh923 ₹ lakhQ1 FY26-27
workmen's compensation incurred claims ratio82.1 %70.0 %Q1 FY26-27
health combined ratio105.5 %105.0 %Q1 FY26-27
Insurance Marketing Firm policies(size)8180 count0 countQ1 FY26-27
Web Aggregators policies(size)501 count0 countQ1 FY26-27
Individual Agents premium(size)96034 ₹ lakh32 ₹ lakhQ1 FY26-27
net retention ratio(size)44.8 %57.3 %Q1 FY26-27
marine cargo incurred claims ratio100.0 %0.0 %Q1 FY26-27
liability segment premium(size)307 ₹ lakh1963 ₹ lakhQ1 FY26-27
marine cargo combined ratio122.0 %0.0 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)41840 count640 countQ1 FY26-27
workmen's compensation segment premium(size)1455 ₹ lakh184 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)20.6 %30.8 %Q1 FY26-27
Brokers premium(size)188322 ₹ lakh5426 ₹ lakhQ1 FY26-27
profit before tax(size)292 ₹ crore20 ₹ croreQ1 FY26-27
Web Aggregators premium(size)66 ₹ lakh0 ₹ lakhQ1 FY26-27
engineering segment premium(size)10406 ₹ lakh57 ₹ lakhQ1 FY26-27
infrastructure & housing(size)826433 INR_lakhs20785 INR_lakhsQ1 FY26-27
Corporate Agents – Others premium(size)14865 ₹ lakh2 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)2214 ₹ lakh0 ₹ lakhQ1 FY26-27
debentures & bonds(size)342633 INR_lakhs40693 INR_lakhsQ1 FY26-27
solvency ratio2.18 ×1.98 ×Q1 FY26-27
other investments(size)181546 INR_lakhs2340 INR_lakhsQ1 FY26-27
Brokers policies(size)1365293 count17790 countQ1 FY26-27
net commission ratio(size)-6.3 %24.2 %Q1 FY26-27
gross yield (quarterly)1.90 %7.08 %Q1 FY26-27
technical reserves to premium ratio(size)8.8 %19.6 %Q1 FY26-27
motor od incurred claims ratio69.1 %81.0 %Q1 FY26-27
motor tp combined ratio135.8 %122.0 %Q1 FY26-27
Direct Business – Online premium(size)12834 ₹ lakh5 ₹ lakhQ1 FY26-27
fire segment premium(size)52442 ₹ lakh166 ₹ lakhQ1 FY26-27
personal accident combined ratio16.7 %-24.0 %Q1 FY26-27
profit after tax(size)220 ₹ crore20 ₹ croreQ1 FY26-27
net worth growth rate(size)13.3 %9.5 %Q1 FY26-27
Corporate Agents – Banks policies(size)5266250 count0 countQ1 FY26-27
motor tp incurred claims ratio95.0 %73.0 %Q1 FY26-27
fire combined ratio19.1 %379.0 %Q1 FY26-27
combined ratio110.6 %121.7 %Q1 FY26-27
operating profit ratio12.3 %28.3 %Q1 FY26-27
MISP (Direct) policies(size)156053 count2 countQ1 FY26-27
health incurred claims ratio90.8 %77.0 %Q1 FY26-27
Insurance Marketing Firm premium(size)1236 ₹ lakh0 ₹ lakhQ1 FY26-27 / Q4 FY25-26
investment income ratio1.9 %1.8 %Q1 FY26-27
npa provision coverage100.0 %0.0 %Q1 FY26-27
travel incurred claims ratio55.8 %0.0 %Q1 FY26-27
Individual Agents policies(size)379289 count14 countQ1 FY26-27
gross written premium(size)15025 ₹ crore353 ₹ croreQ4 FY25-26 / FY24-25
gross yield (annualized)8.20 %6.95 %Q4 FY25-26 / FY25-26
gross NPA ratio0.59 %0.00 %Q1 FY25-26 / Q4 FY25-26
book value per share(size)69.85 ₹5.93 ₹Q1 FY25-26 / Q4 FY25-26
earnings per share(size)2.86 ₹-0.84 ₹Q1 FY25-26 / Q4 FY25-26
required solvency margin(size)296136 ₹ lakh14384 ₹ lakhQ1 FY25-26 / Q1 FY26-27
net earning ratio12.4 %-33.4 %Q1 FY25-26 / Q4 FY25-26
net NPA ratio0.00 %0.00 %Q1 FY25-26 / Q4 FY25-26
available solvency margin(size)611446 ₹ lakh28503 ₹ lakhQ1 FY25-26 / Q1 FY26-27
claim settlement ratio93.5 %77.7 %FY24-25
claims repudiation ratio1.59 %2.73 %FY24-25

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

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HDFC ERGO General Insurance
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Raheja QBE General Insurance
All IRDAI metrics →

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