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HDFC ERGO General Insurance vs Tata AIG General Insurance: IRDAI Data Comparison

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

MetricHDFC ERGO General InsuranceTata AIG General InsurancePeriod
travel combined ratio107.0 %99.0 %Q1 FY26-27
motor TP segment premium(size)34409 ₹ lakh131029 ₹ lakhQ1 FY26-27
marine hull segment premium(size)330 ₹ lakh588 ₹ lakhQ1 FY26-27
crop insurance segment premium(size)2154 ₹ lakh5 ₹ lakhQ1 FY26-27
incurred claims ratio87.5 %74.0 %Q1 FY26-27
engineering incurred claims ratio120.9 %173.0 %Q1 FY26-27
gross direct premium to net worth ratio(size)72.00 ×97.00 ×Q1 FY26-27
govt + approved securities(size)39.0 %40.0 %Q1 FY26-27
engineering combined ratio141.9 %171.0 %Q1 FY26-27
liability combined ratio-70.2 %68.0 %Q1 FY26-27
mutual funds(size)568 INR_lakhs214987 INR_lakhsQ1 FY26-27
claims paid to provisioned ratio(size)6.0 %5.0 %Q1 FY26-27
gross npa (amount)15957 INR_lakhs0 INR_lakhsQ1 FY26-27
travel segment premium(size)2337 ₹ lakh15212 ₹ lakhQ1 FY26-27
fire incurred claims ratio95.5 %60.0 %Q1 FY26-27
central govt. securities(size)21.0 %22.0 %Q1 FY26-27
liability incurred claims ratio-72.0 %113.0 %Q1 FY26-27
underwriting balance ratio-13.0 %-0.2 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)3130 ₹ lakh43612 ₹ lakhQ1 FY26-27
expense ratio to gross premium31.8 %32.0 %Q1 FY26-27
aviation combined ratio1103.2 %32275.0 %Q1 FY26-27
personal accident incurred claims ratio39.8 %60.0 %Q1 FY26-27
health segment premium(size)196532 ₹ lakh184202 ₹ lakhQ1 FY26-27
Corporate Agents – Others policies(size)697055 count716768 countQ1 FY26-27
marine cargo segment premium(size)7067 ₹ lakh25413 ₹ lakhQ1 FY26-27
government securities(size)659572 INR_lakhs1535427 INR_lakhsQ1 FY26-27
expense ratio23.1 %37.0 %Q1 FY26-27
motor od combined ratio220.8 %138.0 %Q1 FY26-27
crop combined ratio327.3 %-570.0 %Q1 FY26-27
housing & infrastructure(size)29.0 %16.0 %Q1 FY26-27
personal accident segment premium(size)19680 ₹ lakh6838 ₹ lakhQ1 FY26-27
workmen's compensation combined ratio113.7 %86.0 %Q1 FY26-27
motor OD segment premium(size)54367 ₹ lakh123579 ₹ lakhQ1 FY26-27
workmen's compensation incurred claims ratio82.1 %50.0 %Q1 FY26-27
health combined ratio105.5 %101.0 %Q1 FY26-27
Insurance Marketing Firm policies(size)8180 count33859 countQ1 FY26-27
Web Aggregators policies(size)501 count451 countQ1 FY26-27
marine hull combined ratio2317.9 %-501.0 %Q1 FY26-27
Individual Agents premium(size)96034 ₹ lakh117253 ₹ lakhQ1 FY26-27
net retention ratio(size)44.8 %59.0 %Q1 FY26-27
marine cargo incurred claims ratio100.0 %121.0 %Q1 FY26-27
liability segment premium(size)307 ₹ lakh33611 ₹ lakhQ1 FY26-27
marine cargo combined ratio122.0 %147.0 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)41840 count531281 countQ1 FY26-27
workmen's compensation segment premium(size)1455 ₹ lakh2435 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)20.6 %34.0 %Q1 FY26-27
Brokers premium(size)188322 ₹ lakh350032 ₹ lakhQ1 FY26-27
profit before tax(size)292 ₹ crore261 ₹ croreQ1 FY26-27
Web Aggregators premium(size)66 ₹ lakh78 ₹ lakhQ1 FY26-27
engineering segment premium(size)10406 ₹ lakh15485 ₹ lakhQ1 FY26-27
infrastructure & housing(size)826433 INR_lakhs755625 INR_lakhsQ1 FY26-27
Corporate Agents – Others premium(size)14865 ₹ lakh29694 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)2214 ₹ lakh9417 ₹ lakhQ1 FY26-27
debentures & bonds(size)342633 INR_lakhs709686 INR_lakhsQ1 FY26-27
solvency ratio2.18 ×1.84 ×Q1 FY26-27
other investments(size)181546 INR_lakhs238487 INR_lakhsQ1 FY26-27
Corporate Agents – Banks premium(size)43666 ₹ lakh26151 ₹ lakhQ1 FY26-27
Brokers policies(size)1365293 count1680361 countQ1 FY26-27
net commission ratio(size)-6.3 %20.0 %Q1 FY26-27
gross yield (quarterly)1.90 %2.18 %Q1 FY26-27
technical reserves to premium ratio(size)8.8 %6.0 %Q1 FY26-27
crop incurred claims ratio105.5 %128.0 %Q1 FY26-27
motor od incurred claims ratio69.1 %89.0 %Q1 FY26-27
motor tp combined ratio135.8 %115.0 %Q1 FY26-27
fire segment premium(size)52442 ₹ lakh76072 ₹ lakhQ1 FY26-27
personal accident combined ratio16.7 %83.0 %Q1 FY26-27
profit after tax(size)220 ₹ crore195 ₹ croreQ1 FY26-27
net worth growth rate(size)13.3 %3.0 %Q1 FY26-27
Corporate Agents – Banks policies(size)5266250 count239087 countQ1 FY26-27
aviation segment premium(size)455 ₹ lakh9368 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio95.0 %59.0 %Q1 FY26-27
fire combined ratio19.1 %79.0 %Q1 FY26-27
combined ratio110.6 %111.0 %Q1 FY26-27
aviation incurred claims ratio101.9 %32150.0 %Q1 FY26-27
operating profit ratio12.3 %4.0 %Q1 FY26-27
MISP (Direct) policies(size)156053 count208206 countQ1 FY26-27
equity & preference shares(size)409656 INR_lakhs679771 INR_lakhsQ1 FY26-27
health incurred claims ratio90.8 %82.0 %Q1 FY26-27
other segment premium(size)30587 ₹ lakh20479 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)1236 ₹ lakh3905 ₹ lakhQ1 FY26-27
investment income ratio1.9 %2.0 %Q1 FY26-27
npa provision coverage100.0 %0.0 %Q1 FY26-27
travel incurred claims ratio55.8 %48.0 %Q1 FY26-27
marine hull incurred claims ratio80.0 %100.0 %Q1 FY26-27
Individual Agents policies(size)379289 count692010 countQ1 FY26-27
gross written premium(size)15025 ₹ crore17703 ₹ croreQ4 FY25-26 / FY25-03
gross yield (annualized)8.20 %7.80 %Q4 FY25-26
debt to equity ratio0.28 ×0.08 ×Q1 FY25-26 / Q1 FY26-27
book value per share(size)69.85 ₹67.70 ₹Q1 FY25-26 / Q1 FY26-27
required solvency margin(size)296136 ₹ lakh353769 ₹ lakhQ1 FY25-26 / Q1 FY26-27
net earning ratio12.4 %5.0 %Q1 FY25-26 / Q1 FY26-27
available solvency margin(size)611446 ₹ lakh651816 ₹ lakhQ1 FY25-26 / Q1 FY26-27
claim settlement ratio93.5 %80.2 %FY24-25
claims repudiation ratio1.59 %2.80 %FY24-25

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

Individual profiles

HDFC ERGO General Insurance
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Tata AIG General Insurance
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