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Oriental Insurance Company vs Universal Sompo General Insurance: IRDAI Data Comparison

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

MetricOriental Insurance CompanyUniversal Sompo General InsurancePeriod
fire incurred claims ratio95.6 %-241.8 %Q1 FY26-27
Common Service Centres (CSC) policies(size)0 count22916 countQ1 FY26-27
net worth growth rate(size)11532.0 %12.0 %Q1 FY26-27
gross direct premium to net worth ratio(size)-78.00 ×93.00 ×Q1 FY26-27
personal accident segment premium(size)220939 ₹ lakh6636 ₹ lakhQ1 FY26-27
government securities(size)1142392 INR_lakhs263751 INR_lakhsQ1 FY26-27
engineering segment premium(size)11513 ₹ lakh664 ₹ lakhQ1 FY26-27
Brokers policies(size)572387 count853611 countQ1 FY26-27
Individual Agents premium(size)114281 ₹ lakh7540 ₹ lakhQ1 FY26-27
Web Aggregators policies(size)153 count760 countQ1 FY26-27
profit after tax(size)-340 ₹ crore41 ₹ croreQ1 FY26-27
travel segment premium(size)0 ₹ lakh478 ₹ lakhQ1 FY26-27
motor od incurred claims ratio116.5 %102.0 %Q1 FY26-27
aviation combined ratio162.7 %0.0 %Q1 FY26-27
net retention ratio(size)6974.0 %52.1 %Q1 FY26-27
workmen's compensation incurred claims ratio67.3 %68.5 %Q1 FY26-27
infrastructure & housing(size)508049 INR_lakhs197661 INR_lakhsQ1 FY26-27
fire segment premium(size)44889 ₹ lakh9563 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)484.0 %33.5 %Q1 FY26-27
motor od combined ratio141.4 %149.2 %Q1 FY26-27
motor OD segment premium(size)28024 ₹ lakh44195 ₹ lakhQ1 FY26-27
marine cargo combined ratio83.6 %143.2 %Q1 FY26-27
net earning ratio-767.0 %5.8 %Q1 FY26-27 / Q4 FY25-26
gross written premium(size)11858 ₹ crore5078 ₹ croreQ1 FY26-27 / FY25-03
equity & preference shares(size)729157 INR_lakhs42415 INR_lakhsQ1 FY26-27
gross yield (quarterly)8.94 %7.16 %Q1 FY26-27
marine cargo segment premium(size)11763 ₹ lakh2242 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)1425 ₹ lakh2597 ₹ lakhQ1 FY26-27
housing & infrastructure(size)17.3 %29.0 %Q1 FY26-27
other approved securities(size)164 INR_lakhs6634 INR_lakhsQ1 FY26-27
workmen's compensation segment premium(size)1417 ₹ lakh87 ₹ lakhQ1 FY26-27
mutual funds(size)31097 INR_lakhs207 INR_lakhsQ1 FY26-27 / Q2 FY25-26
personal accident combined ratio88.2 %89.3 %Q1 FY26-27
motor tp combined ratio198.5 %77.5 %Q1 FY26-27
Insurance Marketing Firm policies(size)90 count4758 countQ1 FY26-27
travel combined ratio0.0 %169.0 %Q1 FY26-27
Corporate Agents – Banks premium(size)5572 ₹ lakh11348 ₹ lakhQ1 FY26-27
net yield (quarterly)5.82 %5.36 %Q1 FY26-27
Insurance Marketing Firm premium(size)918 ₹ lakh507 ₹ lakhQ1 FY26-27
engineering incurred claims ratio56.8 %26.0 %Q1 FY26-27
liability incurred claims ratio19.7 %-2.9 %Q1 FY26-27
workmen's compensation combined ratio91.0 %96.4 %Q1 FY26-27
technical reserves to premium ratio(size)6.9 %4.2 %Q1 FY26-27
health combined ratio109.6 %87.1 %Q1 FY26-27
health segment premium(size)220179 ₹ lakh34439 ₹ lakhQ1 FY26-27
travel incurred claims ratio0.0 %5.5 %Q1 FY26-27
Point of Sales Person (Direct) premium(size)9562 ₹ lakh20072 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)13.6 %20.1 %Q1 FY26-27
underwriting balance ratio-19.0 %-8.0 %Q1 FY26-27
liability combined ratio41.6 %26.4 %Q1 FY26-27
net commission ratio(size)766.0 %10.4 %Q1 FY26-27
crop insurance segment premium(size)34 ₹ lakh2057 ₹ lakhQ1 FY26-27
engineering combined ratio74.9 %73.3 %Q1 FY26-27
motor TP segment premium(size)61082 ₹ lakh61853 ₹ lakhQ1 FY26-27
Individual Agents policies(size)743681 count46866 countQ1 FY26-27
expense ratio to gross premium15.5 %28.7 %Q1 FY26-27
solvency ratio-1.70 ×1.97 ×Q1 FY26-27 / Q4 FY24-25
Web Aggregators premium(size)15 ₹ lakh919 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)53956 count129053 countQ1 FY26-27
Common Service Centres (CSC) premium(size)0 ₹ lakh634 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) policies(size)126089 count146450 countQ1 FY26-27
Corporate Agents – Others policies(size)18408 count22034 countQ1 FY26-27
central govt. securities(size)24.1 %25.0 %Q1 FY26-27
marine hull incurred claims ratio70.7 %22.2 %Q1 FY26-27
crop combined ratio233.8 %148.0 %Q1 FY26-27
motor tp incurred claims ratio168.5 %65.8 %Q1 FY26-27
investment income ratio0.0 %1.8 %Q1 FY26-27
health incurred claims ratio95.5 %71.0 %Q1 FY26-27
marine cargo incurred claims ratio61.8 %113.6 %Q1 FY26-27
marine hull segment premium(size)8707 ₹ lakh7138 ₹ lakhQ1 FY26-27
incurred claims ratio10011.0 %80.3 %Q1 FY26-27
combined ratio11916.0 %104.3 %Q1 FY26-27
fire combined ratio145.6 %-286.4 %Q1 FY26-27
aviation incurred claims ratio135.6 %0.0 %Q1 FY26-27
govt + approved securities(size)56.5 %37.0 %Q1 FY26-27
crop incurred claims ratio179.0 %83.5 %Q1 FY26-27
liability segment premium(size)2838 ₹ lakh867 ₹ lakhQ1 FY26-27
marine hull combined ratio89.0 %-881.7 %Q1 FY26-27
expense ratio19.1 %24.0 %Q1 FY26-27
operating profit ratio-760.0 %4.6 %Q1 FY26-27
profit before tax(size)-340 ₹ crore55 ₹ croreQ1 FY26-27
Brokers premium(size)389890 ₹ lakh108870 ₹ lakhQ1 FY26-27
debentures & bonds(size)113014 INR_lakhs167084 INR_lakhsQ1 FY26-27
personal accident incurred claims ratio72.5 %74.3 %Q1 FY26-27
other investments(size)68227 INR_lakhs21552 INR_lakhsQ1 FY26-27
Direct Business – Others premium(size)0 ₹ lakh22576 ₹ lakhQ4 FY25-26 / Q1 FY26-27
Direct Business – Others policies(size)0 count1494 countQ4 FY25-26 / Q1 FY26-27
claims repudiation ratio0.34 %1.76 %FY24-25
claim settlement ratio85.5 %91.3 %FY24-25
earnings per share(size)-0.20 ₹1.52 ₹Q1 FY22-23 / Q4 FY25-26
debt to equity ratio1.48 ×0.14 ×Q1 FY22-23 / Q4 FY25-26
book value per share(size)1.10 ₹50.20 ₹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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Universal Sompo General Insurance
All IRDAI metrics →

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