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Reliance General Insurance vs Zurich Kotak General Insurance: IRDAI Data Comparison

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

MetricReliance General InsuranceZurich Kotak General InsurancePeriod
travel combined ratio117.6 %222.0 %Q1 FY26-27
Web Aggregators policies(size)7713 count53 countQ1 FY26-27
engineering incurred claims ratio76.2 %26.0 %Q1 FY26-27
liability segment premium(size)2398 ₹ lakh4210 ₹ lakhQ1 FY26-27
MISP (Direct) policies(size)146864 count41 countQ1 FY26-27
Direct Business – Online premium(size)961 ₹ lakh388 ₹ lakhQ1 FY26-27
profit before tax(size)1 ₹ crore-64 ₹ croreQ1 FY26-27
marine cargo combined ratio160.4 %198.0 %Q1 FY26-27
other segment premium(size)3269 ₹ lakh1807 ₹ lakhQ1 FY26-27
Insurance Marketing Firm premium(size)667 ₹ lakh65 ₹ lakhQ1 FY26-27
Insurance Marketing Firm policies(size)23775 count765 countQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh6 ₹ lakhQ1 FY26-27
fire incurred claims ratio102.0 %42.0 %Q1 FY26-27
debentures & bonds(size)1050493 INR_lakhs117050 INR_lakhsQ1 FY26-27
motor TP segment premium(size)45046 ₹ lakh11513 ₹ lakhQ1 FY26-27
npa provision coverage0.0 %0.0 %Q1 FY26-27
infrastructure & housing(size)324934 INR_lakhs174877 INR_lakhsQ1 FY26-27
marine hull segment premium(size)10 ₹ lakh0 ₹ lakhQ1 FY26-27
personal accident segment premium(size)5532 ₹ lakh1622 ₹ lakhQ1 FY26-27
motor tp combined ratio173.6 %150.0 %Q1 FY26-27
engineering combined ratio93.6 %85.0 %Q1 FY26-27
fire combined ratio105.3 %80.0 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)205506 count15038 countQ1 FY26-27
Corporate Agents – Others premium(size)10600 ₹ lakh3788 ₹ lakhQ1 FY26-27
underwriting balance ratio-0.3 %-36.0 %Q1 FY26-27
net commission ratio(size)17.6 %21.0 %Q1 FY26-27
technical reserves to premium ratio(size)9.1 %5.4 %Q1 FY26-27
Brokers premium(size)174099 ₹ lakh39676 ₹ lakhQ1 FY26-27
central govt. securities(size)28.0 %21.9 %Q1 FY26-27
motor od combined ratio141.2 %147.0 %Q1 FY26-27
marine cargo incurred claims ratio133.4 %126.0 %Q1 FY26-27
MISP (Direct) premium(size)2306 ₹ lakh6 ₹ lakhQ1 FY26-27
workmen's compensation segment premium(size)599 ₹ lakh278 ₹ lakhQ1 FY26-27
Direct Business – Others policies(size)68355 count3588 countQ1 FY26-27
Direct Business – Others premium(size)63520 ₹ lakh3912 ₹ lakhQ1 FY26-27
aviation segment premium(size)50 ₹ lakh0 ₹ lakhQ1 FY26-27
claims paid to provisioned ratio(size)7.8 %12.0 %Q1 FY26-27
health segment premium(size)110935 ₹ lakh19221 ₹ lakhQ1 FY26-27
expense ratio to gross premium29.0 %37.0 %Q1 FY26-27
Corporate Agents – Banks policies(size)132648 count26983 countQ1 FY26-27
liability combined ratio149.5 %118.0 %Q1 FY26-27
net yield (quarterly)7.61 %7.04 %Q1 FY26-27
personal accident incurred claims ratio55.0 %33.0 %Q1 FY26-27
liability incurred claims ratio105.5 %72.0 %Q1 FY26-27
other investments(size)99267 INR_lakhs24617 INR_lakhsQ1 FY26-27
Point of Sales Person (Direct) premium(size)9695 ₹ lakh2022 ₹ lakhQ1 FY26-27
Web Aggregators premium(size)70 ₹ lakh7 ₹ lakhQ1 FY26-27
travel incurred claims ratio32.4 %102.0 %Q1 FY26-27
Corporate Agents – Banks premium(size)10089 ₹ lakh11060 ₹ lakhQ1 FY26-27
fire segment premium(size)42132 ₹ lakh6360 ₹ lakhQ1 FY26-27
engineering segment premium(size)13739 ₹ lakh970 ₹ lakhQ1 FY26-27
motor tp incurred claims ratio106.9 %106.0 %Q1 FY26-27
incurred claims ratio88.2 %86.0 %Q1 FY26-27
Corporate Agents – Others policies(size)116834 count20705 countQ1 FY26-27
net earning ratio0.0 %-22.0 %Q1 FY26-27 / Q4 FY25-26
housing & infrastructure(size)25.0 %37.1 %Q1 FY26-27
health combined ratio106.0 %115.0 %Q1 FY26-27
solvency ratio1.75 ×2.84 ×Q1 FY26-27
gross direct premium to net worth ratio(size)75.00 ×41.00 ×Q1 FY26-27
Micro Agents policies(size)0 count4 countQ1 FY26-27 / Q4 FY25-26
expense ratio33.1 %46.0 %Q1 FY26-27
Direct Business – Online policies(size)13266 count4507 countQ1 FY26-27
book value per share(size)141.58 ₹14.75 ₹Q1 FY26-27 / Q4 FY25-26
profit after tax(size)1 ₹ crore-64 ₹ croreQ1 FY26-27
government securities(size)544642 INR_lakhs154635 INR_lakhsQ1 FY26-27
gross yield (quarterly)7.63 %7.04 %Q1 FY26-27
personal accident combined ratio75.3 %87.0 %Q1 FY26-27
gross npa (amount)0 INR_lakhs0 INR_lakhsQ1 FY26-27
govt + approved securities(size)38.0 %32.8 %Q1 FY26-27
operating profit ratio-3.7 %-23.0 %Q1 FY26-27
marine cargo segment premium(size)6348 ₹ lakh3288 ₹ lakhQ1 FY26-27
motor OD segment premium(size)46620 ₹ lakh12994 ₹ lakhQ1 FY26-27
gross direct premium growth rate(size)-12.2 %9.0 %Q1 FY26-27
net worth growth rate(size)0.0 %-17.0 %Q1 FY26-27
investment income ratio1.9 %7.0 %Q1 FY26-27
Individual Agents premium(size)23430 ₹ lakh1563 ₹ lakhQ1 FY26-27
travel segment premium(size)4266 ₹ lakh229 ₹ lakhQ1 FY26-27
Brokers policies(size)1417761 count326637 countQ1 FY26-27
motor od incurred claims ratio72.0 %92.0 %Q1 FY26-27
workmen's compensation combined ratio293.2 %63.0 %Q1 FY26-27
workmen's compensation incurred claims ratio268.4 %24.0 %Q1 FY26-27
Individual Agents policies(size)164737 count6676 countQ1 FY26-27
combined ratio121.2 %132.0 %Q1 FY26-27
crop insurance segment premium(size)14565 ₹ lakh0 ₹ lakhQ1 FY26-27
health incurred claims ratio90.2 %77.0 %Q1 FY26-27
net retention ratio(size)62.1 %73.0 %Q1 FY26-27
gross written premium(size)12237 ₹ crore625 ₹ croreQ4 FY25-26 / Q1 FY26-27
net yield (annualized)7.93 %7.39 %Q4 FY25-26 / FY25-26
gross yield (annualized)7.94 %7.39 %Q4 FY25-26 / FY25-26
claim settlement ratio90.4 %80.2 %FY24-25 / Q3 FY25-26
claims repudiation ratio2.11 %3.79 %FY24-25

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

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Reliance General Insurance
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Zurich Kotak General Insurance
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