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Oriental Insurance Company vs United India Insurance: IRDAI Data Comparison

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

MetricOriental Insurance CompanyUnited India InsurancePeriod
fire incurred claims ratio95.6 %107.6 %Q1 FY26-27 / Q4 FY25-26
gross npa (amount)30410 INR_lakhs33495 INR_lakhsQ1 FY26-27
Common Service Centres (CSC) policies(size)0 count1 countQ1 FY26-27
net worth growth rate(size)11532.0 %0.0 %Q1 FY26-27
gross direct premium to net worth ratio(size)-78.00 ×-80.00 ×Q1 FY26-27
personal accident segment premium(size)220939 ₹ lakh7681 ₹ lakhQ1 FY26-27
Direct Business – Online premium(size)0 ₹ lakh663 ₹ lakhQ1 FY26-27
government securities(size)1142392 INR_lakhs1624959 INR_lakhsQ1 FY26-27
engineering segment premium(size)11513 ₹ lakh12861 ₹ lakhQ1 FY26-27
Brokers policies(size)572387 count1143981 countQ1 FY26-27
Individual Agents premium(size)114281 ₹ lakh186927 ₹ lakhQ1 FY26-27
Web Aggregators policies(size)153 count722317 countQ1 FY26-27
profit after tax(size)-340 ₹ crore-809 ₹ croreQ1 FY26-27
travel segment premium(size)0 ₹ lakh116 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)2015 ₹ lakh612 ₹ lakhQ1 FY26-27
motor od incurred claims ratio116.5 %98.5 %Q1 FY26-27 / Q4 FY25-26
aviation combined ratio162.7 %2328.7 %Q1 FY26-27 / Q4 FY25-26
net retention ratio(size)6974.0 %71.9 %Q1 FY26-27
workmen's compensation incurred claims ratio67.3 %19.1 %Q1 FY26-27 / Q4 FY25-26
infrastructure & housing(size)508049 INR_lakhs763969 INR_lakhsQ1 FY26-27
fire segment premium(size)44889 ₹ lakh61685 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)484.0 %-27.0 %Q1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
Direct Business – Online policies(size)0 count4630 countQ1 FY26-27
motor od combined ratio141.4 %143.8 %Q1 FY26-27 / Q4 FY25-26
motor OD segment premium(size)28024 ₹ lakh47468 ₹ lakhQ1 FY26-27
marine cargo combined ratio83.6 %108.4 %Q1 FY26-27 / Q4 FY25-26
net earning ratio-767.0 %-15.3 %Q1 FY26-27 / Q4 FY25-26
gross written premium(size)11858 ₹ crore20072 ₹ croreQ1 FY26-27 / FY25-03
equity & preference shares(size)729157 INR_lakhs805380 INR_lakhsQ1 FY26-27
gross yield (quarterly)8.94 %8.97 %Q1 FY26-27
marine cargo segment premium(size)11763 ₹ lakh6765 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)1425 ₹ lakh1598 ₹ lakhQ1 FY26-27
housing & infrastructure(size)17.3 %19.6 %Q1 FY26-27
other approved securities(size)164 INR_lakhs0 INR_lakhsQ1 FY26-27
workmen's compensation segment premium(size)1417 ₹ lakh1922 ₹ lakhQ1 FY26-27
mutual funds(size)31097 INR_lakhs145809 INR_lakhsQ1 FY26-27
personal accident combined ratio88.2 %151.3 %Q1 FY26-27 / Q4 FY25-26
motor tp combined ratio198.5 %157.7 %Q1 FY26-27 / Q4 FY25-26
Insurance Marketing Firm policies(size)90 count7461 countQ1 FY26-27
Direct Business – Officers/Employees policies(size)5203 count406 countQ1 FY26-27
available solvency margin(size)-998362 ₹ lakh-874629 ₹ lakhQ1 FY26-27
Corporate Agents – Banks premium(size)5572 ₹ lakh980 ₹ lakhQ1 FY26-27
net yield (quarterly)5.82 %5.92 %Q1 FY26-27
Insurance Marketing Firm premium(size)918 ₹ lakh600 ₹ lakhQ1 FY26-27
engineering incurred claims ratio56.8 %43.4 %Q1 FY26-27 / Q4 FY25-26
liability incurred claims ratio19.7 %42.2 %Q1 FY26-27 / Q4 FY25-26
MISP (Direct) policies(size)82951 count4495 countQ1 FY26-27
workmen's compensation combined ratio91.0 %64.8 %Q1 FY26-27 / Q4 FY25-26
technical reserves to premium ratio(size)6.9 %9.0 %Q1 FY26-27
health combined ratio109.6 %132.0 %Q1 FY26-27 / Q4 FY25-26
health segment premium(size)220179 ₹ lakh206119 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) premium(size)9562 ₹ lakh5345 ₹ lakhQ1 FY26-27
aviation segment premium(size)3844 ₹ lakh542 ₹ lakhQ1 FY26-27
underwriting balance ratio-19.0 %-34.6 %Q1 FY26-27
liability combined ratio41.6 %96.5 %Q1 FY26-27 / Q4 FY25-26
required solvency margin(size)587764 ₹ lakh588214 ₹ lakhQ1 FY26-27
net commission ratio(size)766.0 %18.3 %Q1 FY26-27
crop insurance segment premium(size)34 ₹ lakh0 ₹ lakhQ1 FY26-27
engineering combined ratio74.9 %97.9 %Q1 FY26-27 / Q4 FY25-26
motor TP segment premium(size)61082 ₹ lakh187028 ₹ lakhQ1 FY26-27
Individual Agents policies(size)743681 count2597447 countQ1 FY26-27
expense ratio to gross premium15.5 %27.3 %Q1 FY26-27
solvency ratio-1.70 ×-1.49 ×Q1 FY26-27
Web Aggregators premium(size)15 ₹ lakh18079 ₹ lakhQ1 FY26-27
npa provision coverage100.0 %100.0 %Q1 FY26-27
Micro Agents policies(size)45 count0 countQ1 FY26-27
Corporate Agents – Banks policies(size)53956 count34735 countQ1 FY26-27
Common Service Centres (CSC) premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) policies(size)126089 count87834 countQ1 FY26-27
Corporate Agents – Others policies(size)18408 count50625 countQ1 FY26-27
central govt. securities(size)24.1 %23.1 %Q1 FY26-27
marine hull incurred claims ratio70.7 %21.2 %Q1 FY26-27 / Q4 FY25-26
crop combined ratio233.8 %83.2 %Q1 FY26-27 / Q4 FY25-26
real estate & subsidiaries(size)5 INR_lakhs0 INR_lakhsQ1 FY26-27
motor tp incurred claims ratio168.5 %105.4 %Q1 FY26-27 / Q4 FY25-26
Referral Arrangements premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
investment income ratio0.0 %8.9 %Q1 FY26-27
health incurred claims ratio95.5 %103.9 %Q1 FY26-27 / Q4 FY25-26
marine cargo incurred claims ratio61.8 %68.7 %Q1 FY26-27 / Q4 FY25-26
marine hull segment premium(size)8707 ₹ lakh5184 ₹ lakhQ1 FY26-27
incurred claims ratio10011.0 %103.6 %Q1 FY26-27
combined ratio11916.0 %139.1 %Q1 FY26-27
fire combined ratio145.6 %176.5 %Q1 FY26-27 / Q4 FY25-26
aviation incurred claims ratio135.6 %1790.1 %Q1 FY26-27 / Q4 FY25-26
govt + approved securities(size)56.5 %49.1 %Q1 FY26-27
Micro Agents premium(size)4 ₹ lakh0 ₹ lakhQ1 FY26-27
crop incurred claims ratio179.0 %63.6 %Q1 FY26-27 / Q4 FY25-26
liability segment premium(size)2838 ₹ lakh8837 ₹ lakhQ1 FY26-27
marine hull combined ratio89.0 %70.3 %Q1 FY26-27 / Q4 FY25-26
expense ratio19.1 %35.5 %Q1 FY26-27
operating profit ratio-760.0 %-17.3 %Q1 FY26-27
profit before tax(size)-340 ₹ crore-809 ₹ croreQ1 FY26-27
gross npa ratio1.50 %1.01 %Q1 FY26-27
Brokers premium(size)389890 ₹ lakh226344 ₹ lakhQ1 FY26-27
Direct Business – Officers/Employees premium(size)1172 ₹ lakh9383 ₹ lakhQ1 FY26-27
debentures & bonds(size)113014 INR_lakhs233920 INR_lakhsQ1 FY26-27
personal accident incurred claims ratio72.5 %116.6 %Q1 FY26-27 / Q4 FY25-26
other investments(size)68227 INR_lakhs73696 INR_lakhsQ1 FY26-27
Other policies(size)0 count131 countQ4 FY25-26
Direct Business – Others premium(size)0 ₹ lakh104025 ₹ lakhQ4 FY25-26 / Q1 FY26-27
Other premium(size)0 ₹ lakh125587 ₹ lakhQ4 FY25-26
Direct Business – Others policies(size)0 count87890 countQ4 FY25-26 / Q1 FY26-27
claims repudiation ratio0.34 %3.96 %FY24-25
claim settlement ratio85.5 %84.9 %FY24-25
earnings per share(size)-0.20 ₹-12.39 ₹Q1 FY22-23 / Q4 FY25-26
net NPA ratio0.00 %0.00 %Q1 FY22-23 / Q4 FY25-26
gross NPA ratio1.93 %1.00 %Q1 FY22-23 / Q4 FY25-26
book value per share(size)1.10 ₹-15.98 ₹Q1 FY22-23 / Q4 FY25-26

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

Individual profiles

Oriental Insurance Company
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United India Insurance
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