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Kshema General Insurance vs Zurich Kotak General Insurance: IRDAI Data Comparison

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

MetricKshema General InsuranceZurich Kotak General InsurancePeriod
Micro Agents premium(size)0 ₹ lakh6 ₹ lakhQ1 FY26-27
Corporate Agents – Others policies(size)0 count20705 countQ1 FY26-27
liability segment premium(size)50 ₹ lakh4210 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)0 ₹ lakh6 ₹ lakhQ1 FY26-27
infrastructure & housing(size)6538 INR_lakhs174877 INR_lakhsQ1 FY26-27
other segment premium(size)0 ₹ lakh1807 ₹ lakhQ1 FY26-27
underwriting balance ratio-632.0 %-36.0 %Q1 FY26-27
Corporate Agents – Banks policies(size)231529 count26983 countQ1 FY26-27
MISP (Direct) policies(size)0 count41 countQ1 FY26-27
Individual Agents policies(size)0 count6676 countQ1 FY26-27
engineering incurred claims ratio156.8 %26.0 %Q1 FY26-27
aviation segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Corporate Agents – Banks premium(size)942 ₹ lakh11060 ₹ lakhQ1 FY26-27
health segment premium(size)855 ₹ lakh19221 ₹ lakhQ1 FY26-27
fire combined ratio97.4 %80.0 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)0 ₹ lakh2022 ₹ lakhQ1 FY26-27
fire incurred claims ratio97.4 %42.0 %Q1 FY26-27
operating profit ratio-514.4 %-23.0 %Q1 FY26-27
incurred claims ratio298.8 %86.0 %Q1 FY26-27
technical reserves to premium ratio(size)611.9 %5.4 %Q1 FY26-27
motor OD segment premium(size)0 ₹ lakh12994 ₹ lakhQ1 FY26-27
motor TP segment premium(size)924 ₹ lakh11513 ₹ lakhQ1 FY26-27
engineering segment premium(size)5 ₹ lakh970 ₹ lakhQ1 FY26-27
book value per share(size)10.00 ₹14.75 ₹Q1 FY26-27 / Q4 FY25-26
govt + approved securities(size)34.6 %32.8 %Q1 FY26-27
government securities(size)10124 INR_lakhs154635 INR_lakhsQ1 FY26-27
Web Aggregators policies(size)0 count53 countQ1 FY26-27
travel segment premium(size)0 ₹ lakh229 ₹ lakhQ1 FY26-27
Brokers premium(size)1853 ₹ lakh39676 ₹ lakhQ1 FY26-27
housing & infrastructure(size)22.3 %37.1 %Q1 FY26-27
Individual Agents premium(size)0 ₹ lakh1563 ₹ lakhQ1 FY26-27
motor od incurred claims ratio100.5 %92.0 %Q1 FY26-27
marine cargo segment premium(size)0 ₹ lakh3288 ₹ lakhQ1 FY26-27
other investments(size)3160 INR_lakhs24617 INR_lakhsQ1 FY26-27
expense ratio to gross premium170.6 %37.0 %Q1 FY26-27
combined ratio500.5 %132.0 %Q1 FY26-27
central govt. securities(size)29.3 %21.9 %Q1 FY26-27
gross direct premium to net worth ratio(size)12.81 ×41.00 ×Q1 FY26-27
motor od combined ratio310.9 %147.0 %Q1 FY26-27
Brokers policies(size)9303 count326637 countQ1 FY26-27
personal accident incurred claims ratio31.0 %33.0 %Q1 FY26-27
net retention ratio(size)84.0 %73.0 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)0 count15038 countQ1 FY26-27
Insurance Marketing Firm policies(size)0 count765 countQ1 FY26-27
engineering combined ratio811.8 %85.0 %Q1 FY26-27
net worth growth rate(size)0.0 %-17.0 %Q1 FY26-27
debentures & bonds(size)6044 INR_lakhs117050 INR_lakhsQ1 FY26-27
net earning ratio-227.4 %-22.0 %Q1 FY26-27 / Q4 FY25-26
health incurred claims ratio94.0 %77.0 %Q1 FY26-27
net commission ratio(size)18.9 %21.0 %Q1 FY26-27
workmen's compensation segment premium(size)0 ₹ lakh278 ₹ lakhQ1 FY26-27
earnings per share(size)-2.60 ₹-0.93 ₹Q1 FY26-27 / Q4 FY25-26
fire segment premium(size)20 ₹ lakh6360 ₹ lakhQ1 FY26-27
marine hull segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Micro Agents policies(size)0 count4 countQ1 FY26-27 / Q4 FY25-26
liability incurred claims ratio80.9 %72.0 %Q1 FY26-27
health combined ratio266.9 %115.0 %Q1 FY26-27
liability combined ratio253.8 %118.0 %Q1 FY26-27
investment income ratio6.0 %7.0 %Q1 FY26-27
Web Aggregators premium(size)0 ₹ lakh7 ₹ lakhQ1 FY26-27
gross written premium(size)281 ₹ crore625 ₹ croreQ1 FY26-27
solvency ratio1.53 ×2.84 ×Q1 FY26-27
personal accident segment premium(size)6 ₹ lakh1622 ₹ lakhQ1 FY26-27
expense ratio201.7 %46.0 %Q1 FY26-27
personal accident combined ratio406.4 %87.0 %Q1 FY26-27
gross npa ratio0.00 %0.00 %Q1 FY26-27
npa provision coverage0.0 %0.0 %Q1 FY26-27
claims paid to provisioned ratio(size)100.0 %12.0 %Q1 FY26-27
gross npa (amount)0 INR_lakhs0 INR_lakhsQ1 FY26-27
gross direct premium growth rate(size)-96.8 %9.0 %Q1 FY26-27
profit after tax(size)-65 ₹ crore-64 ₹ croreQ1 FY26-27
crop insurance segment premium(size)1537 ₹ lakh0 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)0 ₹ lakh65 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)0 ₹ lakh3788 ₹ lakhQ1 FY26-27
profit before tax(size)-65 ₹ crore-64 ₹ croreQ1 FY26-27
motor tp incurred claims ratio88.6 %106.0 %Q4 FY25-26 / Q1 FY26-27
motor tp combined ratio164.8 %150.0 %Q4 FY25-26 / Q1 FY26-27
net yield (quarterly)0.06 %7.04 %Q3 FY25-26 / Q1 FY26-27
gross yield (quarterly)0.06 %7.04 %Q3 FY25-26 / Q1 FY26-27
claim settlement ratio42.7 %80.2 %Q1 FY25-26 / Q3 FY25-26
net yield (annualized)0.07 %7.39 %FY24-25 / FY25-26
gross yield (annualized)0.07 %7.39 %FY24-25 / FY25-26
claims repudiation ratio52.74 %3.79 %FY24-25

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

Individual profiles

Kshema General Insurance
All IRDAI metrics →
Zurich Kotak General Insurance
All IRDAI metrics →

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