National Insurance Company vs Zurich Kotak General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | National Insurance Company | Zurich Kotak General Insurance | Period |
|---|---|---|---|
| earnings per share(size) | -0.53 ₹ | -0.93 ₹ | Q1 FY26-27 / Q4 FY25-26 |
| other segment premium(size) | 14971 ₹ lakh | 1807 ₹ lakh | Q1 FY26-27 |
| Individual Agents premium(size) | 149079 ₹ lakh | 1563 ₹ lakh | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 1179 ₹ lakh | 11060 ₹ lakh | Q1 FY26-27 |
| motor od incurred claims ratio | 103.3 % | 92.0 % | Q1 FY26-27 |
| fire incurred claims ratio | 77.0 % | 42.0 % | Q1 FY26-27 |
| govt + approved securities(size) | 41.7 % | 32.8 % | Q1 FY26-27 |
| Web Aggregators policies(size) | 15 count | 53 count | Q1 FY26-27 |
| solvency ratio | -1.22 × | 2.84 × | Q1 FY26-27 |
| fire segment premium(size) | 47154 ₹ lakh | 6360 ₹ lakh | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 4516 count | 26983 count | Q1 FY26-27 |
| Brokers premium(size) | 172211 ₹ lakh | 39676 ₹ lakh | Q1 FY26-27 |
| government securities(size) | 1219327 INR_lakhs | 154635 INR_lakhs | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 156008 count | 15038 count | Q1 FY26-27 |
| Brokers policies(size) | 1425107 count | 326637 count | Q1 FY26-27 |
| liability combined ratio | 50.7 % | 118.0 % | Q1 FY26-27 |
| debentures & bonds(size) | 422924 INR_lakhs | 117050 INR_lakhs | Q1 FY26-27 |
| book value per share(size) | -4.87 ₹ | 14.75 ₹ | Q1 FY26-27 / Q4 FY25-26 |
| motor tp combined ratio | 165.4 % | 150.0 % | Q1 FY26-27 |
| Web Aggregators premium(size) | 0 ₹ lakh | 7 ₹ lakh | Q1 FY26-27 |
| liability incurred claims ratio | 7.3 % | 72.0 % | Q1 FY26-27 |
| operating profit ratio | -12.8 % | -23.0 % | Q1 FY26-27 |
| MISP (Direct) policies(size) | 1896 count | 41 count | Q1 FY26-27 |
| npa provision coverage | 100.0 % | 0.0 % | Q1 FY26-27 |
| net retention ratio(size) | 85.1 % | 73.0 % | Q1 FY26-27 |
| MISP (Direct) premium(size) | 264 ₹ lakh | 6 ₹ lakh | Q1 FY26-27 |
| aviation segment premium(size) | 2043 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| marine cargo incurred claims ratio | 99.9 % | 126.0 % | Q1 FY26-27 |
| motor tp incurred claims ratio | 124.7 % | 106.0 % | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 11710 count | 20705 count | Q1 FY26-27 |
| net yield (quarterly) | 7.06 % | 7.04 % | Q1 FY26-27 |
| investment income ratio | 9.8 % | 7.0 % | Q1 FY26-27 |
| travel segment premium(size) | 0 ₹ lakh | 229 ₹ lakh | Q1 FY26-27 |
| gross direct premium growth rate(size) | 7.8 % | 9.0 % | Q1 FY26-27 |
| gross npa ratio | 0.75 % | 0.00 % | Q1 FY26-27 |
| workmen's compensation incurred claims ratio | 44.0 % | 24.0 % | Q1 FY26-27 |
| expense ratio to gross premium | 31.8 % | 37.0 % | Q1 FY26-27 |
| Individual Agents policies(size) | 1329274 count | 6676 count | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 913.0 % | 5.4 % | Q1 FY26-27 |
| crop insurance segment premium(size) | 1217 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| incurred claims ratio | 98.9 % | 86.0 % | Q1 FY26-27 |
| central govt. securities(size) | 21.2 % | 21.9 % | Q1 FY26-27 |
| combined ratio | 134.4 % | 132.0 % | Q1 FY26-27 |
| marine cargo combined ratio | 136.8 % | 198.0 % | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 943 ₹ lakh | 3788 ₹ lakh | Q1 FY26-27 |
| expense ratio | 35.4 % | 46.0 % | Q1 FY26-27 |
| gross npa (amount) | 21708 INR_lakhs | 0 INR_lakhs | Q1 FY26-27 |
| other investments(size) | 60405 INR_lakhs | 24617 INR_lakhs | Q1 FY26-27 |
| personal accident combined ratio | 86.1 % | 87.0 % | Q1 FY26-27 |
| engineering segment premium(size) | 13903 ₹ lakh | 970 ₹ lakh | Q1 FY26-27 |
| net earning ratio | -13.5 % | -22.0 % | Q1 FY26-27 / Q4 FY25-26 |
| underwriting balance ratio | -36.0 % | -36.0 % | Q1 FY26-27 |
| profit after tax(size) | -496 ₹ crore | -64 ₹ crore | Q1 FY26-27 |
| housing & infrastructure(size) | 16.8 % | 37.1 % | Q1 FY26-27 |
| motor OD segment premium(size) | 43901 ₹ lakh | 12994 ₹ lakh | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 825 count | 765 count | Q1 FY26-27 |
| claim settlement ratio | 52.7 % | 80.2 % | Q1 FY26-27 / Q3 FY25-26 |
| personal accident segment premium(size) | 39683 ₹ lakh | 1622 ₹ lakh | Q1 FY26-27 |
| personal accident incurred claims ratio | 60.1 % | 33.0 % | Q1 FY26-27 |
| engineering combined ratio | 89.1 % | 85.0 % | Q1 FY26-27 |
| profit before tax(size) | -496 ₹ crore | -64 ₹ crore | Q1 FY26-27 |
| marine cargo segment premium(size) | 5029 ₹ lakh | 3288 ₹ lakh | Q1 FY26-27 |
| infrastructure & housing(size) | 255830 INR_lakhs | 174877 INR_lakhs | Q1 FY26-27 |
| workmen's compensation combined ratio | 90.3 % | 63.0 % | Q1 FY26-27 |
| health incurred claims ratio | 105.3 % | 77.0 % | Q1 FY26-27 |
| workmen's compensation segment premium(size) | 1526 ₹ lakh | 278 ₹ lakh | Q1 FY26-27 |
| gross yield (quarterly) | 10.69 % | 7.04 % | Q1 FY26-27 |
| health segment premium(size) | 149925 ₹ lakh | 19221 ₹ lakh | Q1 FY26-27 |
| Micro Agents premium(size) | 0 ₹ lakh | 6 ₹ lakh | Q1 FY26-27 |
| motor TP segment premium(size) | 91131 ₹ lakh | 11513 ₹ lakh | Q1 FY26-27 |
| health combined ratio | 137.6 % | 115.0 % | Q1 FY26-27 |
| fire combined ratio | 117.0 % | 80.0 % | Q1 FY26-27 |
| engineering incurred claims ratio | 48.6 % | 26.0 % | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | -92.00 × | 41.00 × | Q1 FY26-27 |
| motor od combined ratio | 141.0 % | 147.0 % | Q1 FY26-27 |
| marine hull segment premium(size) | 3347 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| liability segment premium(size) | 7861 ₹ lakh | 4210 ₹ lakh | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 11084 ₹ lakh | 2022 ₹ lakh | Q1 FY26-27 |
| Micro Agents policies(size) | 0 count | 4 count | Q1 FY26-27 / Q4 FY25-26 |
| net commission ratio(size) | 10.7 % | 21.0 % | Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 231 ₹ lakh | 65 ₹ lakh | Q1 FY26-27 |
| net yield (annualized) | 7.91 % | 7.39 % | Q4 FY25-26 / FY25-26 |
| gross yield (annualized) | 11.98 % | 7.39 % | Q4 FY25-26 / FY25-26 |
| gross written premium(size) | 16833 ₹ crore | 625 ₹ crore | FY25-03 / Q1 FY26-27 |
| claims repudiation ratio | 4.68 % | 3.79 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.