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National Insurance Company vs United India Insurance: IRDAI Data Comparison

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

MetricNational Insurance CompanyUnited India InsurancePeriod
mutual funds(size)117077 INR_lakhs145809 INR_lakhsQ1 FY26-27
earnings per share(size)-0.53 ₹-12.39 ₹Q1 FY26-27 / Q4 FY25-26
Individual Agents premium(size)149079 ₹ lakh186927 ₹ lakhQ1 FY26-27
Corporate Agents – Banks premium(size)1179 ₹ lakh980 ₹ lakhQ1 FY26-27
motor od incurred claims ratio103.3 %98.5 %Q1 FY26-27 / Q4 FY25-26
fire incurred claims ratio77.0 %107.6 %Q1 FY26-27 / Q4 FY25-26
govt + approved securities(size)41.7 %49.1 %Q1 FY26-27
Web Aggregators policies(size)15 count722317 countQ1 FY26-27
Direct Business – Officers/Employees premium(size)85292 ₹ lakh9383 ₹ lakhQ1 FY26-27
solvency ratio-1.22 ×-1.49 ×Q1 FY26-27
marine hull incurred claims ratio151.1 %21.2 %Q1 FY26-27 / Q4 FY25-26
fire segment premium(size)47154 ₹ lakh61685 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)4516 count34735 countQ1 FY26-27
Brokers premium(size)172211 ₹ lakh226344 ₹ lakhQ1 FY26-27
government securities(size)1219327 INR_lakhs1624959 INR_lakhsQ1 FY26-27
marine hull combined ratio195.6 %70.3 %Q1 FY26-27 / Q4 FY25-26
Point of Sales Person (Direct) policies(size)156008 count87834 countQ1 FY26-27
Brokers policies(size)1425107 count1143981 countQ1 FY26-27
liability combined ratio50.7 %96.5 %Q1 FY26-27 / Q4 FY25-26
Other policies(size)0 count131 countQ1 FY26-27 / Q4 FY25-26
debentures & bonds(size)422924 INR_lakhs233920 INR_lakhsQ1 FY26-27
book value per share(size)-4.87 ₹-15.98 ₹Q1 FY26-27 / Q4 FY25-26
motor tp combined ratio165.4 %157.7 %Q1 FY26-27 / Q4 FY25-26
equity & preference shares(size)1314528 INR_lakhs805380 INR_lakhsQ1 FY26-27
Web Aggregators premium(size)0 ₹ lakh18079 ₹ lakhQ1 FY26-27
crop incurred claims ratio47.9 %63.6 %Q1 FY26-27 / Q4 FY25-26
liability incurred claims ratio7.3 %42.2 %Q1 FY26-27 / Q4 FY25-26
operating profit ratio-12.8 %-17.3 %Q1 FY26-27
MISP (Direct) policies(size)1896 count4495 countQ1 FY26-27
npa provision coverage100.0 %100.0 %Q1 FY26-27
net retention ratio(size)85.1 %71.9 %Q1 FY26-27
MISP (Direct) premium(size)264 ₹ lakh612 ₹ lakhQ1 FY26-27
aviation segment premium(size)2043 ₹ lakh542 ₹ lakhQ1 FY26-27
aviation incurred claims ratio63.1 %1790.1 %Q1 FY26-27 / Q4 FY25-26
marine cargo incurred claims ratio99.9 %68.7 %Q1 FY26-27 / Q4 FY25-26
motor tp incurred claims ratio124.7 %105.4 %Q1 FY26-27 / Q4 FY25-26
Corporate Agents – Others policies(size)11710 count50625 countQ1 FY26-27
net yield (quarterly)7.06 %5.92 %Q1 FY26-27
investment income ratio9.8 %8.9 %Q1 FY26-27
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
travel segment premium(size)0 ₹ lakh116 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)7.8 %-27.0 %Q1 FY26-27
gross npa ratio0.75 %1.01 %Q1 FY26-27
workmen's compensation incurred claims ratio44.0 %19.1 %Q1 FY26-27 / Q4 FY25-26
expense ratio to gross premium31.8 %27.3 %Q1 FY26-27
Direct Business – Officers/Employees policies(size)46558 count406 countQ1 FY26-27
Individual Agents policies(size)1329274 count2597447 countQ1 FY26-27
technical reserves to premium ratio(size)913.0 %9.0 %Q1 FY26-27
crop insurance segment premium(size)1217 ₹ lakh0 ₹ lakhQ1 FY26-27
incurred claims ratio98.9 %103.6 %Q1 FY26-27
central govt. securities(size)21.2 %23.1 %Q1 FY26-27
Other premium(size)0 ₹ lakh125587 ₹ lakhQ1 FY26-27 / Q4 FY25-26
combined ratio134.4 %139.1 %Q1 FY26-27
marine cargo combined ratio136.8 %108.4 %Q1 FY26-27 / Q4 FY25-26
Corporate Agents – Others premium(size)943 ₹ lakh1598 ₹ lakhQ1 FY26-27
expense ratio35.4 %35.5 %Q1 FY26-27
gross npa (amount)21708 INR_lakhs33495 INR_lakhsQ1 FY26-27
real estate & subsidiaries(size)17 INR_lakhs0 INR_lakhsQ1 FY26-27
Common Service Centres (CSC) policies(size)0 count1 countQ1 FY26-27
other investments(size)60405 INR_lakhs73696 INR_lakhsQ1 FY26-27
personal accident combined ratio86.1 %151.3 %Q1 FY26-27 / Q4 FY25-26
engineering segment premium(size)13903 ₹ lakh12861 ₹ lakhQ1 FY26-27
crop combined ratio76.4 %83.2 %Q1 FY26-27 / Q4 FY25-26
net earning ratio-13.5 %-15.3 %Q1 FY26-27 / Q4 FY25-26
underwriting balance ratio-36.0 %-34.6 %Q1 FY26-27
profit after tax(size)-496 ₹ crore-809 ₹ croreQ1 FY26-27
housing & infrastructure(size)16.8 %19.6 %Q1 FY26-27
motor OD segment premium(size)43901 ₹ lakh47468 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)825 count7461 countQ1 FY26-27
claim settlement ratio52.7 %84.9 %Q1 FY26-27 / FY24-25
personal accident segment premium(size)39683 ₹ lakh7681 ₹ lakhQ1 FY26-27
personal accident incurred claims ratio60.1 %116.6 %Q1 FY26-27 / Q4 FY25-26
engineering combined ratio89.1 %97.9 %Q1 FY26-27 / Q4 FY25-26
profit before tax(size)-496 ₹ crore-809 ₹ croreQ1 FY26-27
marine cargo segment premium(size)5029 ₹ lakh6765 ₹ lakhQ1 FY26-27
infrastructure & housing(size)255830 INR_lakhs763969 INR_lakhsQ1 FY26-27
workmen's compensation combined ratio90.3 %64.8 %Q1 FY26-27 / Q4 FY25-26
health incurred claims ratio105.3 %103.9 %Q1 FY26-27 / Q4 FY25-26
workmen's compensation segment premium(size)1526 ₹ lakh1922 ₹ lakhQ1 FY26-27
gross yield (quarterly)10.69 %8.97 %Q1 FY26-27
available solvency margin(size)-557749 ₹ lakh-874629 ₹ lakhQ1 FY26-27
health segment premium(size)149925 ₹ lakh206119 ₹ lakhQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
motor TP segment premium(size)91131 ₹ lakh187028 ₹ lakhQ1 FY26-27
health combined ratio137.6 %132.0 %Q1 FY26-27 / Q4 FY25-26
fire combined ratio117.0 %176.5 %Q1 FY26-27 / Q4 FY25-26
aviation combined ratio94.9 %2328.7 %Q1 FY26-27 / Q4 FY25-26
required solvency margin(size)456132 ₹ lakh588214 ₹ lakhQ1 FY26-27
engineering incurred claims ratio48.6 %43.4 %Q1 FY26-27 / Q4 FY25-26
gross direct premium to net worth ratio(size)-92.00 ×-80.00 ×Q1 FY26-27
motor od combined ratio141.0 %143.8 %Q1 FY26-27 / Q4 FY25-26
marine hull segment premium(size)3347 ₹ lakh5184 ₹ lakhQ1 FY26-27
liability segment premium(size)7861 ₹ lakh8837 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)11084 ₹ lakh5345 ₹ lakhQ1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
net commission ratio(size)10.7 %18.3 %Q1 FY26-27
gross NPA ratio0.75 %1.00 %Q1 FY26-27 / Q4 FY25-26
Common Service Centres (CSC) premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)231 ₹ lakh600 ₹ lakhQ1 FY26-27
net yield (annualized)7.91 %6.83 %Q4 FY25-26 / FY25-26
gross yield (annualized)11.98 %10.35 %Q4 FY25-26 / FY25-26
other approved securities(size)929 INR_lakhs0 INR_lakhsQ3 FY25-26 / Q1 FY26-27
gross written premium(size)16833 ₹ crore20072 ₹ croreFY25-03
claims repudiation ratio4.68 %3.96 %FY24-25

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

Individual profiles

National Insurance Company
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United India Insurance
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