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ICICI Lombard General Insurance vs Universal Sompo General Insurance: IRDAI Data Comparison

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

MetricICICI Lombard General InsuranceUniversal Sompo General InsurancePeriod
solvency ratio2.00 ×1.97 ×Q1 FY26-27 / Q4 FY24-25
fire segment premium(size)99719 ₹ lakh9563 ₹ lakhQ1 FY26-27
investment income ratio1.9 %1.8 %Q1 FY26-27
debentures & bonds(size)1372814 INR_lakhs167084 INR_lakhsQ1 FY26-27
Common Service Centres (CSC) policies(size)5216 count22916 countQ1 FY26-27
motor TP segment premium(size)138383 ₹ lakh61853 ₹ lakhQ1 FY26-27
engineering segment premium(size)33811 ₹ lakh664 ₹ lakhQ1 FY26-27
health incurred claims ratio86.0 %71.0 %Q1 FY26-27
claims paid to provisioned ratio(size)7.6 %20.1 %Q1 FY26-27
Direct Business – Others premium(size)38027 ₹ lakh22576 ₹ lakhQ1 FY26-27
personal accident incurred claims ratio55.0 %74.3 %Q1 FY26-27
personal accident segment premium(size)16238 ₹ lakh6636 ₹ lakhQ1 FY26-27
marine cargo combined ratio109.3 %143.2 %Q1 FY26-27
underwriting balance ratio-0.1 %-8.0 %Q1 FY26-27
Corporate Agents – Banks policies(size)920450 count129053 countQ1 FY26-27
aviation incurred claims ratio48.0 %0.0 %Q1 FY26-27
marine cargo incurred claims ratio83.0 %113.6 %Q1 FY26-27
fire combined ratio120.5 %-286.4 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)803441 count146450 countQ1 FY26-27
govt + approved securities(size)36.0 %37.0 %Q1 FY26-27
Insurance Marketing Firm policies(size)44394 count4758 countQ1 FY26-27
operating profit ratio3.9 %4.6 %Q1 FY26-27
travel combined ratio107.5 %169.0 %Q1 FY26-27
mutual funds(size)141183 INR_lakhs207 INR_lakhsQ1 FY26-27 / Q2 FY25-26
marine hull incurred claims ratio52.0 %22.2 %Q1 FY26-27
workmen's compensation incurred claims ratio59.0 %68.5 %Q1 FY26-27
net retention ratio(size)74.5 %52.1 %Q1 FY26-27
fire incurred claims ratio118.0 %-241.8 %Q1 FY26-27
book value per share(size)340.46 ₹50.20 ₹Q1 FY26-27 / Q4 FY25-26
motor OD segment premium(size)140228 ₹ lakh44195 ₹ lakhQ1 FY26-27
Direct Business – Others policies(size)756042 count1494 countQ1 FY26-27
crop incurred claims ratio-335.0 %83.5 %Q1 FY26-27
housing & infrastructure(size)19.0 %29.0 %Q1 FY26-27
profit after tax(size)403 ₹ crore41 ₹ croreQ1 FY26-27
net commission ratio(size)18.9 %10.4 %Q1 FY26-27
Insurance Marketing Firm premium(size)2274 ₹ lakh507 ₹ lakhQ1 FY26-27
marine cargo segment premium(size)32076 ₹ lakh2242 ₹ lakhQ1 FY26-27
credit insurance segment premium(size)4248 ₹ lakh424 ₹ lakhQ1 FY26-27
health combined ratio109.7 %87.1 %Q1 FY26-27
health segment premium(size)297384 ₹ lakh34439 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)7.5 %33.5 %Q1 FY26-27
crop insurance segment premium(size)1830 ₹ lakh2057 ₹ lakhQ1 FY26-27
Individual Agents policies(size)666612 count46866 countQ1 FY26-27
liability combined ratio100.4 %26.4 %Q1 FY26-27
Corporate Agents – Banks premium(size)70235 ₹ lakh11348 ₹ lakhQ1 FY26-27
Brokers premium(size)478325 ₹ lakh108870 ₹ lakhQ1 FY26-27
equity & preference shares(size)820242 INR_lakhs42415 INR_lakhsQ1 FY26-27
Individual Agents premium(size)98119 ₹ lakh7540 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)7.4 %4.2 %Q1 FY26-27
engineering incurred claims ratio87.0 %26.0 %Q1 FY26-27
Corporate Agents – Others premium(size)13241 ₹ lakh2597 ₹ lakhQ1 FY26-27
incurred claims ratio76.4 %80.3 %Q1 FY26-27
marine hull segment premium(size)4343 ₹ lakh7138 ₹ lakhQ1 FY26-27
combined ratio107.2 %104.3 %Q1 FY26-27
motor tp incurred claims ratio71.0 %65.8 %Q1 FY26-27
gross yield (quarterly)1.89 %7.16 %Q1 FY26-27
workmen's compensation segment premium(size)5639 ₹ lakh87 ₹ lakhQ1 FY26-27
government securities(size)2159709 INR_lakhs263751 INR_lakhsQ1 FY26-27
other approved securities(size)243176 INR_lakhs6634 INR_lakhsQ1 FY26-27
Corporate Agents – Others policies(size)663511 count22034 countQ1 FY26-27
infrastructure & housing(size)1106060 INR_lakhs197661 INR_lakhsQ1 FY26-27
debt to equity ratio0.00 ×0.14 ×Q1 FY26-27 / Q4 FY25-26
travel incurred claims ratio56.0 %5.5 %Q1 FY26-27
profit before tax(size)536 ₹ crore55 ₹ croreQ1 FY26-27
personal accident combined ratio63.2 %89.3 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)25909 ₹ lakh20072 ₹ lakhQ1 FY26-27
engineering combined ratio85.2 %73.3 %Q1 FY26-27
liability segment premium(size)3592 ₹ lakh867 ₹ lakhQ1 FY26-27
motor tp combined ratio98.3 %77.5 %Q1 FY26-27
crop combined ratio-359.1 %148.0 %Q1 FY26-27
motor od combined ratio118.1 %149.2 %Q1 FY26-27
expense ratio to gross premium28.8 %28.7 %Q1 FY26-27
Web Aggregators premium(size)95 ₹ lakh919 ₹ lakhQ1 FY26-27
Common Service Centres (CSC) premium(size)90 ₹ lakh634 ₹ lakhQ1 FY26-27
travel segment premium(size)8634 ₹ lakh478 ₹ lakhQ1 FY26-27
net earning ratio6.8 %5.8 %Q1 FY26-27 / Q4 FY25-26
marine hull combined ratio40.9 %-881.7 %Q1 FY26-27
net worth growth rate(size)0.9 %12.0 %Q1 FY26-27
liability incurred claims ratio47.0 %-2.9 %Q1 FY26-27
central govt. securities(size)22.0 %25.0 %Q1 FY26-27
workmen's compensation combined ratio107.0 %96.4 %Q1 FY26-27
Brokers policies(size)4944886 count853611 countQ1 FY26-27
gross direct premium to net worth ratio(size)50.00 ×93.00 ×Q1 FY26-27
expense ratio36.2 %24.0 %Q1 FY26-27
Web Aggregators policies(size)11353 count760 countQ1 FY26-27
other investments(size)206438 INR_lakhs21552 INR_lakhsQ1 FY26-27
motor od incurred claims ratio68.0 %102.0 %Q1 FY26-27
net yield (quarterly)1.28 %5.36 %Q1 FY26-27
aviation combined ratio58.2 %0.0 %Q1 FY26-27
gross yield (annualized)8.18 %8.00 %Q4 FY25-26
gross written premium(size)28712 ₹ crore5078 ₹ croreQ4 FY25-26 / FY25-03
net yield (annualized)5.52 %6.00 %Q4 FY25-26
claim settlement ratio81.0 %91.3 %FY24-25
claims repudiation ratio8.28 %1.76 %FY24-25

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

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ICICI Lombard General Insurance
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Universal Sompo General Insurance
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