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HDFC ERGO General Insurance vs Zuno General Insurance: IRDAI Data Comparison

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

MetricHDFC ERGO General InsuranceZuno General InsurancePeriod
travel combined ratio107.0 %260.0 %Q1 FY26-27
motor TP segment premium(size)34409 ₹ lakh10171 ₹ lakhQ1 FY26-27
gross npa ratio0.55 %0.00 %Q1 FY26-27
marine hull segment premium(size)330 ₹ lakh0 ₹ lakhQ1 FY26-27
crop insurance segment premium(size)2154 ₹ lakh0 ₹ lakhQ1 FY26-27
incurred claims ratio87.5 %81.0 %Q1 FY26-27
engineering incurred claims ratio120.9 %471.0 %Q1 FY26-27
gross direct premium to net worth ratio(size)72.00 ×98.00 ×Q1 FY26-27
govt + approved securities(size)39.0 %31.0 %Q1 FY26-27
engineering combined ratio141.9 %-308.0 %Q1 FY26-27
liability combined ratio-70.2 %77.0 %Q1 FY26-27
mutual funds(size)568 INR_lakhs7230 INR_lakhsQ1 FY26-27
claims paid to provisioned ratio(size)6.0 %57.0 %Q1 FY26-27
gross npa (amount)15957 INR_lakhs0 INR_lakhsQ1 FY26-27
Common Service Centres (CSC) premium(size)537 ₹ lakh0 ₹ lakhQ1 FY26-27
travel segment premium(size)2337 ₹ lakh40 ₹ lakhQ1 FY26-27
fire incurred claims ratio95.5 %-46.0 %Q1 FY26-27
central govt. securities(size)21.0 %23.0 %Q1 FY26-27
liability incurred claims ratio-72.0 %55.0 %Q1 FY26-27
underwriting balance ratio-13.0 %-0.2 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)3130 ₹ lakh1065 ₹ lakhQ1 FY26-27
expense ratio to gross premium31.8 %31.0 %Q1 FY26-27
personal accident incurred claims ratio39.8 %96.0 %Q1 FY26-27
health segment premium(size)196532 ₹ lakh12044 ₹ lakhQ1 FY26-27
Corporate Agents – Others policies(size)697055 count4637 countQ1 FY26-27
Common Service Centres (CSC) policies(size)11146 count0 countQ1 FY26-27
marine cargo segment premium(size)7067 ₹ lakh104 ₹ lakhQ1 FY26-27
government securities(size)659572 INR_lakhs41239 INR_lakhsQ1 FY26-27
expense ratio23.1 %34.0 %Q1 FY26-27
motor od combined ratio220.8 %133.0 %Q1 FY26-27
other approved securities(size)456090 INR_lakhs15995 INR_lakhsQ1 FY26-27
housing & infrastructure(size)29.0 %26.0 %Q1 FY26-27
personal accident segment premium(size)19680 ₹ lakh2430 ₹ lakhQ1 FY26-27
workmen's compensation combined ratio113.7 %93.0 %Q1 FY26-27
motor OD segment premium(size)54367 ₹ lakh11217 ₹ lakhQ1 FY26-27
workmen's compensation incurred claims ratio82.1 %56.0 %Q1 FY26-27
health combined ratio105.5 %126.0 %Q1 FY26-27
Insurance Marketing Firm policies(size)8180 count416 countQ1 FY26-27
Web Aggregators policies(size)501 count26 countQ1 FY26-27
Individual Agents premium(size)96034 ₹ lakh339 ₹ lakhQ1 FY26-27
net retention ratio(size)44.8 %57.0 %Q1 FY26-27
marine cargo incurred claims ratio100.0 %903.0 %Q1 FY26-27
liability segment premium(size)307 ₹ lakh91 ₹ lakhQ1 FY26-27
marine cargo combined ratio122.0 %936.0 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)41840 count9545 countQ1 FY26-27
workmen's compensation segment premium(size)1455 ₹ lakh1 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)20.6 %62.0 %Q1 FY26-27
Brokers premium(size)188322 ₹ lakh34463 ₹ lakhQ1 FY26-27
profit before tax(size)292 ₹ crore-4 ₹ croreQ1 FY26-27
Web Aggregators premium(size)66 ₹ lakh2 ₹ lakhQ1 FY26-27
engineering segment premium(size)10406 ₹ lakh121 ₹ lakhQ1 FY26-27
infrastructure & housing(size)826433 INR_lakhs52190 INR_lakhsQ1 FY26-27
Corporate Agents – Others premium(size)14865 ₹ lakh3306 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)2214 ₹ lakh431 ₹ lakhQ1 FY26-27
debentures & bonds(size)342633 INR_lakhs35131 INR_lakhsQ1 FY26-27
solvency ratio2.18 ×1.64 ×Q1 FY26-27
other investments(size)181546 INR_lakhs20794 INR_lakhsQ1 FY26-27
Corporate Agents – Banks premium(size)43666 ₹ lakh-2 ₹ lakhQ1 FY26-27
Brokers policies(size)1365293 count221205 countQ1 FY26-27
net commission ratio(size)-6.3 %10.0 %Q1 FY26-27
gross yield (quarterly)1.90 %2.05 %Q1 FY26-27
technical reserves to premium ratio(size)8.8 %6.3 %Q1 FY26-27
motor od incurred claims ratio69.1 %80.0 %Q1 FY26-27
motor tp combined ratio135.8 %89.0 %Q1 FY26-27
fire segment premium(size)52442 ₹ lakh1482 ₹ lakhQ1 FY26-27
personal accident combined ratio16.7 %124.0 %Q1 FY26-27
profit after tax(size)220 ₹ crore-4 ₹ croreQ1 FY26-27
net worth growth rate(size)13.3 %13.0 %Q1 FY26-27
Corporate Agents – Banks policies(size)5266250 count3 countQ1 FY26-27
aviation segment premium(size)455 ₹ lakh0 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio95.0 %53.0 %Q1 FY26-27
fire combined ratio19.1 %-38.0 %Q1 FY26-27
combined ratio110.6 %115.0 %Q1 FY26-27
operating profit ratio12.3 %-3.0 %Q1 FY26-27
MISP (Direct) policies(size)156053 count1970 countQ1 FY26-27
equity & preference shares(size)409656 INR_lakhs4406 INR_lakhsQ1 FY26-27
health incurred claims ratio90.8 %99.0 %Q1 FY26-27
other segment premium(size)30587 ₹ lakh2472 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)1236 ₹ lakh64 ₹ lakhQ1 FY26-27
investment income ratio1.9 %2.1 %Q1 FY26-27
npa provision coverage100.0 %0.0 %Q1 FY26-27
travel incurred claims ratio55.8 %199.0 %Q1 FY26-27
Individual Agents policies(size)379289 count2652 countQ1 FY26-27
gross written premium(size)15025 ₹ crore402 ₹ croreQ4 FY25-26 / Q1 FY26-27
gross yield (annualized)8.20 %8.42 %Q4 FY25-26 / FY25-26
gross NPA ratio0.59 %0.00 %Q1 FY25-26 / Q1 FY26-27
net earning ratio12.4 %-2.0 %Q1 FY25-26 / Q1 FY26-27
net NPA ratio0.00 %0.00 %Q1 FY25-26 / Q1 FY26-27
claim settlement ratio93.5 %70.9 %FY24-25 / Q1 FY26-27
claims repudiation ratio1.59 %7.59 %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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Zuno General Insurance
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