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Raheja QBE General Insurance vs United India Insurance: IRDAI Data Comparison

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

MetricRaheja QBE General InsuranceUnited India InsurancePeriod
government securities(size)34374 INR_lakhs1624959 INR_lakhsQ1 FY26-27
engineering incurred claims ratio-2398.0 %43.4 %Q1 FY26-27 / Q4 FY25-26
MISP (Direct) policies(size)2 count4495 countQ1 FY26-27
gross direct premium growth rate(size)30.8 %-27.0 %Q1 FY26-27
gross npa (amount)0 INR_lakhs33495 INR_lakhsQ1 FY26-27
fire segment premium(size)166 ₹ lakh61685 ₹ lakhQ1 FY26-27
net yield (quarterly)5.24 %5.92 %Q1 FY26-27
personal accident incurred claims ratio-29.0 %116.6 %Q1 FY26-27 / Q4 FY25-26
workmen's compensation incurred claims ratio70.0 %19.1 %Q1 FY26-27 / Q4 FY25-26
health combined ratio105.0 %132.0 %Q1 FY26-27 / Q4 FY25-26
profit after tax(size)20 ₹ crore-809 ₹ croreQ1 FY26-27
Brokers policies(size)17790 count1143981 countQ1 FY26-27
investment income ratio1.8 %8.9 %Q1 FY26-27
net retention ratio(size)57.3 %71.9 %Q1 FY26-27
personal accident segment premium(size)-1 ₹ lakh7681 ₹ lakhQ1 FY26-27
MISP (Direct) premium(size)0 ₹ lakh612 ₹ lakhQ1 FY26-27
marine cargo combined ratio0.0 %108.4 %Q1 FY26-27 / Q4 FY25-26
gross yield (quarterly)7.08 %8.97 %Q1 FY26-27
required solvency margin(size)14384 ₹ lakh588214 ₹ lakhQ1 FY26-27
fire combined ratio379.0 %176.5 %Q1 FY26-27 / Q4 FY25-26
technical reserves to premium ratio(size)19.6 %9.0 %Q1 FY26-27
motor od incurred claims ratio81.0 %98.5 %Q1 FY26-27 / Q4 FY25-26
combined ratio121.7 %139.1 %Q1 FY26-27
personal accident combined ratio-24.0 %151.3 %Q1 FY26-27 / Q4 FY25-26
engineering segment premium(size)57 ₹ lakh12861 ₹ lakhQ1 FY26-27
Direct Business – Others premium(size)204 ₹ lakh104025 ₹ lakhQ1 FY26-27
health incurred claims ratio77.0 %103.9 %Q1 FY26-27 / Q4 FY25-26
gross npa ratio0.00 %1.01 %Q1 FY26-27
Direct Business – Officers/Employees policies(size)1 count406 countQ1 FY26-27
expense ratio53.7 %35.5 %Q1 FY26-27
Web Aggregators premium(size)0 ₹ lakh18079 ₹ lakhQ1 FY26-27
liability incurred claims ratio28.0 %42.2 %Q1 FY26-27 / Q4 FY25-26
net commission ratio(size)24.2 %18.3 %Q1 FY26-27
profit before tax(size)20 ₹ crore-809 ₹ croreQ1 FY26-27
gross direct premium to net worth ratio(size)18.00 ×-80.00 ×Q1 FY26-27
available solvency margin(size)28503 ₹ lakh-874629 ₹ lakhQ1 FY26-27
incurred claims ratio68.0 %103.6 %Q1 FY26-27
central govt. securities(size)33.7 %23.1 %Q1 FY26-27
workmen's compensation segment premium(size)184 ₹ lakh1922 ₹ lakhQ1 FY26-27
Point of Sales Person (Direct) policies(size)640 count87834 countQ1 FY26-27
Insurance Marketing Firm policies(size)0 count7461 countQ1 FY26-27
Brokers premium(size)5426 ₹ lakh226344 ₹ lakhQ1 FY26-27
Corporate Agents – Banks policies(size)0 count34735 countQ1 FY26-27
liability combined ratio80.0 %96.5 %Q1 FY26-27 / Q4 FY25-26
expense ratio to gross premium38.6 %27.3 %Q1 FY26-27
liability segment premium(size)1963 ₹ lakh8837 ₹ lakhQ1 FY26-27
Direct Business – Others policies(size)48 count87890 countQ1 FY26-27
govt + approved securities(size)33.7 %49.1 %Q1 FY26-27
fire incurred claims ratio57.0 %107.6 %Q1 FY26-27 / Q4 FY25-26
motor OD segment premium(size)923 ₹ lakh47468 ₹ lakhQ1 FY26-27
Corporate Agents – Others policies(size)18 count50625 countQ1 FY26-27
Referral Arrangements policies(size)0 count0 countQ1 FY26-27
Individual Agents policies(size)14 count2597447 countQ1 FY26-27
operating profit ratio28.3 %-17.3 %Q1 FY26-27
mutual funds(size)3780 INR_lakhs145809 INR_lakhsQ1 FY26-27
infrastructure & housing(size)20785 INR_lakhs763969 INR_lakhsQ1 FY26-27
Micro Agents policies(size)0 count0 countQ1 FY26-27
motor tp combined ratio122.0 %157.7 %Q1 FY26-27 / Q4 FY25-26
marine cargo incurred claims ratio0.0 %68.7 %Q1 FY26-27 / Q4 FY25-26
other investments(size)2340 INR_lakhs73696 INR_lakhsQ1 FY26-27
workmen's compensation combined ratio110.0 %64.8 %Q1 FY26-27 / Q4 FY25-26
net worth growth rate(size)9.5 %0.0 %Q1 FY26-27
housing & infrastructure(size)34.1 %19.6 %Q1 FY26-27
motor TP segment premium(size)1599 ₹ lakh187028 ₹ lakhQ1 FY26-27
underwriting balance ratio1.0 %-34.6 %Q1 FY26-27
Corporate Agents – Others premium(size)2 ₹ lakh1598 ₹ lakhQ1 FY26-27
debentures & bonds(size)40693 INR_lakhs233920 INR_lakhsQ1 FY26-27
health segment premium(size)452 ₹ lakh206119 ₹ lakhQ1 FY26-27
Individual Agents premium(size)32 ₹ lakh186927 ₹ lakhQ1 FY26-27
solvency ratio1.98 ×-1.49 ×Q1 FY26-27
Web Aggregators policies(size)0 count722317 countQ1 FY26-27
Common Service Centres (CSC) policies(size)0 count1 countQ1 FY26-27
motor od combined ratio143.0 %143.8 %Q1 FY26-27 / Q4 FY25-26
Direct Business – Online premium(size)5 ₹ lakh663 ₹ lakhQ1 FY26-27
Direct Business – Officers/Employees premium(size)0 ₹ lakh9383 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio73.0 %105.4 %Q1 FY26-27 / Q4 FY25-26
engineering combined ratio-1918.0 %97.9 %Q1 FY26-27 / Q4 FY25-26
npa provision coverage0.0 %100.0 %Q1 FY26-27
Direct Business – Online policies(size)123 count4630 countQ1 FY26-27
Point of Sales Person (Direct) premium(size)78 ₹ lakh5345 ₹ lakhQ1 FY26-27
book value per share(size)5.93 ₹-15.98 ₹Q4 FY25-26
gross yield (annualized)6.95 %10.35 %FY25-26
net yield (annualized)5.14 %6.83 %FY25-26
Insurance Marketing Firm premium(size)0 ₹ lakh600 ₹ lakhQ4 FY25-26 / Q1 FY26-27
net earning ratio-33.4 %-15.3 %Q4 FY25-26
earnings per share(size)-0.84 ₹-12.39 ₹Q4 FY25-26
net NPA ratio0.00 %0.00 %Q4 FY25-26
marine cargo segment premium(size)0 ₹ lakh6765 ₹ lakhQ4 FY25-26 / Q1 FY26-27
gross NPA ratio0.00 %1.00 %Q4 FY25-26
claims repudiation ratio2.73 %3.96 %FY24-25
claim settlement ratio77.7 %84.9 %FY24-25
gross written premium(size)353 ₹ crore20072 ₹ croreFY24-25 / FY25-03

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

Individual profiles

Raheja QBE General Insurance
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United India Insurance
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