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ICICI Lombard General Insurance vs Tata AIG General Insurance: IRDAI Data Comparison

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

MetricICICI Lombard General InsuranceTata AIG General InsurancePeriod
solvency ratio2.00 ×1.84 ×Q1 FY26-27
fire segment premium(size)99719 ₹ lakh76072 ₹ lakhQ1 FY26-27
investment income ratio1.9 %2.0 %Q1 FY26-27
debentures & bonds(size)1372814 INR_lakhs709686 INR_lakhsQ1 FY26-27
motor TP segment premium(size)138383 ₹ lakh131029 ₹ lakhQ1 FY26-27
engineering segment premium(size)33811 ₹ lakh15485 ₹ lakhQ1 FY26-27
health incurred claims ratio86.0 %82.0 %Q1 FY26-27
claims paid to provisioned ratio(size)7.6 %5.0 %Q1 FY26-27
personal accident incurred claims ratio55.0 %60.0 %Q1 FY26-27
personal accident segment premium(size)16238 ₹ lakh6838 ₹ lakhQ1 FY26-27
marine cargo combined ratio109.3 %147.0 %Q1 FY26-27
underwriting balance ratio-0.1 %-0.2 %Q1 FY26-27
Corporate Agents – Banks policies(size)920450 count239087 countQ1 FY26-27
aviation incurred claims ratio48.0 %32150.0 %Q1 FY26-27
marine cargo incurred claims ratio83.0 %121.0 %Q1 FY26-27
fire combined ratio120.5 %79.0 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)803441 count531281 countQ1 FY26-27
available solvency margin(size)1501016 ₹ lakh651816 ₹ lakhQ1 FY26-27
govt + approved securities(size)36.0 %40.0 %Q1 FY26-27
Insurance Marketing Firm policies(size)44394 count33859 countQ1 FY26-27
operating profit ratio3.9 %4.0 %Q1 FY26-27
travel combined ratio107.5 %99.0 %Q1 FY26-27
mutual funds(size)141183 INR_lakhs214987 INR_lakhsQ1 FY26-27
liquid assets to liabilities ratio0.1 %0.2 %Q1 FY26-27
other segment premium(size)38788 ₹ lakh20479 ₹ lakhQ1 FY26-27
marine hull incurred claims ratio52.0 %100.0 %Q1 FY26-27
workmen's compensation incurred claims ratio59.0 %50.0 %Q1 FY26-27
net retention ratio(size)74.5 %59.0 %Q1 FY26-27
fire incurred claims ratio118.0 %60.0 %Q1 FY26-27
npa provision coverage0.0 %0.0 %Q1 FY26-27
book value per share(size)340.46 ₹67.70 ₹Q1 FY26-27
required solvency margin(size)556784 ₹ lakh353769 ₹ lakhQ1 FY26-27
motor OD segment premium(size)140228 ₹ lakh123579 ₹ lakhQ1 FY26-27
debt service coverage ratio0.00 ×24.51 ×Q1 FY26-27
crop incurred claims ratio-335.0 %128.0 %Q1 FY26-27
housing & infrastructure(size)19.0 %16.0 %Q1 FY26-27
profit after tax(size)403 ₹ crore195 ₹ croreQ1 FY26-27
gross npa (amount)0 INR_lakhs0 INR_lakhsQ1 FY26-27
aviation segment premium(size)2806 ₹ lakh9368 ₹ lakhQ1 FY26-27
net commission ratio(size)18.9 %20.0 %Q1 FY26-27
Insurance Marketing Firm premium(size)2274 ₹ lakh3905 ₹ lakhQ1 FY26-27
marine cargo segment premium(size)32076 ₹ lakh25413 ₹ lakhQ1 FY26-27
credit insurance segment premium(size)4248 ₹ lakh11549 ₹ lakhQ1 FY26-27
health combined ratio109.7 %101.0 %Q1 FY26-27
health segment premium(size)297384 ₹ lakh184202 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)7.5 %34.0 %Q1 FY26-27
crop insurance segment premium(size)1830 ₹ lakh5 ₹ lakhQ1 FY26-27
Individual Agents policies(size)666612 count692010 countQ1 FY26-27
return on net worth2.4 %3.0 %Q1 FY26-27
liability combined ratio100.4 %68.0 %Q1 FY26-27
Corporate Agents – Banks premium(size)70235 ₹ lakh26151 ₹ lakhQ1 FY26-27
Brokers premium(size)478325 ₹ lakh350032 ₹ lakhQ1 FY26-27
equity & preference shares(size)820242 INR_lakhs679771 INR_lakhsQ1 FY26-27
Individual Agents premium(size)98119 ₹ lakh117253 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)7.4 %6.0 %Q1 FY26-27
engineering incurred claims ratio87.0 %173.0 %Q1 FY26-27
Corporate Agents – Others premium(size)13241 ₹ lakh29694 ₹ lakhQ1 FY26-27
incurred claims ratio76.4 %74.0 %Q1 FY26-27
marine hull segment premium(size)4343 ₹ lakh588 ₹ lakhQ1 FY26-27
combined ratio107.2 %111.0 %Q1 FY26-27
motor tp incurred claims ratio71.0 %59.0 %Q1 FY26-27
gross yield (quarterly)1.89 %2.18 %Q1 FY26-27
workmen's compensation segment premium(size)5639 ₹ lakh2435 ₹ lakhQ1 FY26-27
government securities(size)2159709 INR_lakhs1535427 INR_lakhsQ1 FY26-27
Corporate Agents – Others policies(size)663511 count716768 countQ1 FY26-27
infrastructure & housing(size)1106060 INR_lakhs755625 INR_lakhsQ1 FY26-27
debt to equity ratio0.00 ×0.08 ×Q1 FY26-27
travel incurred claims ratio56.0 %48.0 %Q1 FY26-27
profit before tax(size)536 ₹ crore261 ₹ croreQ1 FY26-27
personal accident combined ratio63.2 %83.0 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)25909 ₹ lakh43612 ₹ lakhQ1 FY26-27
MISP (Direct) policies(size)1496026 count208206 countQ1 FY26-27
engineering combined ratio85.2 %171.0 %Q1 FY26-27
liability segment premium(size)3592 ₹ lakh33611 ₹ lakhQ1 FY26-27
motor tp combined ratio98.3 %115.0 %Q1 FY26-27
crop combined ratio-359.1 %-570.0 %Q1 FY26-27
motor od combined ratio118.1 %138.0 %Q1 FY26-27
expense ratio to gross premium28.8 %32.0 %Q1 FY26-27
Web Aggregators premium(size)95 ₹ lakh78 ₹ lakhQ1 FY26-27
travel segment premium(size)8634 ₹ lakh15212 ₹ lakhQ1 FY26-27
net earning ratio6.8 %5.0 %Q1 FY26-27
marine hull combined ratio40.9 %-501.0 %Q1 FY26-27
net worth growth rate(size)0.9 %3.0 %Q1 FY26-27
liability incurred claims ratio47.0 %113.0 %Q1 FY26-27
central govt. securities(size)22.0 %22.0 %Q1 FY26-27
workmen's compensation combined ratio107.0 %86.0 %Q1 FY26-27
Brokers policies(size)4944886 count1680361 countQ1 FY26-27
MISP (Direct) premium(size)21285 ₹ lakh9417 ₹ lakhQ1 FY26-27
interest service coverage ratio0.00 ×24.51 ×Q1 FY26-27
gross direct premium to net worth ratio(size)50.00 ×97.00 ×Q1 FY26-27
expense ratio36.2 %37.0 %Q1 FY26-27
Web Aggregators policies(size)11353 count451 countQ1 FY26-27
real estate & subsidiaries(size)8318 INR_lakhs37531 INR_lakhsQ1 FY26-27
other investments(size)206438 INR_lakhs238487 INR_lakhsQ1 FY26-27
motor od incurred claims ratio68.0 %89.0 %Q1 FY26-27
net yield (quarterly)1.28 %1.63 %Q1 FY26-27
aviation combined ratio58.2 %32275.0 %Q1 FY26-27
gross yield (annualized)8.18 %7.80 %Q4 FY25-26
gross written premium(size)28712 ₹ crore17703 ₹ croreQ4 FY25-26 / FY25-03
net yield (annualized)5.52 %5.81 %Q4 FY25-26
claim settlement ratio81.0 %80.2 %FY24-25
claims repudiation ratio8.28 %2.80 %FY24-25

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

Individual profiles

ICICI Lombard General Insurance
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Tata AIG General Insurance
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