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Royal Sundaram General Insurance vs Zurich Kotak General Insurance: IRDAI Data Comparison

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

MetricRoyal Sundaram General InsuranceZurich Kotak General InsurancePeriod
Micro Agents policies(size)0 count4 countQ1 FY26-27 / Q4 FY25-26
personal accident combined ratio117.8 %87.0 %Q1 FY26-27
Individual Agents premium(size)8787 ₹ lakh1563 ₹ lakhQ1 FY26-27
engineering incurred claims ratio147.4 %26.0 %Q1 FY26-27
gross direct premium to net worth ratio(size)69.00 ×41.00 ×Q1 FY26-27
gross yield (quarterly)2.46 %7.04 %Q1 FY26-27
motor tp combined ratio115.5 %150.0 %Q1 FY26-27
central govt. securities(size)21.8 %21.9 %Q1 FY26-27
health segment premium(size)42686 ₹ lakh19221 ₹ lakhQ1 FY26-27
marine cargo segment premium(size)2622 ₹ lakh3288 ₹ lakhQ1 FY26-27
workmen's compensation combined ratio179.3 %63.0 %Q1 FY26-27
motor od incurred claims ratio84.2 %92.0 %Q1 FY26-27
infrastructure & housing(size)156865 INR_lakhs174877 INR_lakhsQ1 FY26-27
fire incurred claims ratio65.2 %42.0 %Q1 FY26-27
investment income ratio2.4 %7.0 %Q1 FY26-27
fire segment premium(size)10449 ₹ lakh6360 ₹ lakhQ1 FY26-27
travel incurred claims ratio24.3 %102.0 %Q1 FY26-27
Brokers premium(size)92437 ₹ lakh39676 ₹ lakhQ1 FY26-27
solvency ratio2.05 ×2.84 ×Q1 FY26-27
government securities(size)316446 INR_lakhs154635 INR_lakhsQ1 FY26-27
govt + approved securities(size)32.0 %32.8 %Q1 FY26-27
incurred claims ratio86.0 %86.0 %Q1 FY26-27
motor tp incurred claims ratio80.4 %106.0 %Q1 FY26-27
Corporate Agents – Banks premium(size)1366 ₹ lakh11060 ₹ lakhQ1 FY26-27
fire combined ratio110.0 %80.0 %Q1 FY26-27
motor OD segment premium(size)25303 ₹ lakh12994 ₹ lakhQ1 FY26-27
npa provision coverage84.8 %0.0 %Q1 FY26-27
net retention ratio(size)81.0 %73.0 %Q1 FY26-27
health combined ratio112.2 %115.0 %Q1 FY26-27
gross direct premium growth rate(size)10.8 %9.0 %Q1 FY26-27
combined ratio116.3 %132.0 %Q1 FY26-27
profit after tax(size)27 ₹ crore-64 ₹ croreQ1 FY26-27
personal accident incurred claims ratio70.5 %33.0 %Q1 FY26-27
Insurance Marketing Firm policies(size)4219 count765 countQ1 FY26-27
liability incurred claims ratio25.8 %72.0 %Q1 FY26-27
expense ratio30.3 %46.0 %Q1 FY26-27
profit before tax(size)37 ₹ crore-64 ₹ croreQ1 FY26-27
gross npa (amount)571 INR_lakhs0 INR_lakhsQ1 FY26-27
marine cargo combined ratio125.3 %198.0 %Q1 FY26-27
Web Aggregators policies(size)21 count53 countQ1 FY26-27
workmen's compensation segment premium(size)456 ₹ lakh278 ₹ lakhQ1 FY26-27
net worth growth rate(size)2.0 %-17.0 %Q1 FY26-27
MISP (Direct) premium(size)210 ₹ lakh6 ₹ lakhQ1 FY26-27
Brokers policies(size)290309 count326637 countQ1 FY26-27
Corporate Agents – Others policies(size)19250 count20705 countQ1 FY26-27
net commission ratio(size)19.3 %21.0 %Q1 FY26-27
Web Aggregators premium(size)7 ₹ lakh7 ₹ lakhQ1 FY26-27
workmen's compensation incurred claims ratio136.0 %24.0 %Q1 FY26-27
underwriting balance ratio-21.0 %-36.0 %Q1 FY26-27
liability segment premium(size)550 ₹ lakh4210 ₹ lakhQ1 FY26-27
motor TP segment premium(size)40596 ₹ lakh11513 ₹ lakhQ1 FY26-27
travel segment premium(size)41 ₹ lakh229 ₹ lakhQ1 FY26-27
net yield (quarterly)2.46 %7.04 %Q1 FY26-27
MISP (Direct) policies(size)1660 count41 countQ1 FY26-27
engineering combined ratio229.0 %85.0 %Q1 FY26-27
claims paid to provisioned ratio(size)9.6 %12.0 %Q1 FY26-27
health incurred claims ratio100.2 %77.0 %Q1 FY26-27
Insurance Marketing Firm premium(size)313 ₹ lakh65 ₹ lakhQ1 FY26-27
debentures & bonds(size)329442 INR_lakhs117050 INR_lakhsQ1 FY26-27
Individual Agents policies(size)50754 count6676 countQ1 FY26-27
housing & infrastructure(size)30.8 %37.1 %Q1 FY26-27
engineering segment premium(size)2550 ₹ lakh970 ₹ lakhQ1 FY26-27
personal accident segment premium(size)2622 ₹ lakh1622 ₹ lakhQ1 FY26-27
travel combined ratio72.0 %222.0 %Q1 FY26-27
motor od combined ratio132.7 %147.0 %Q1 FY26-27
Corporate Agents – Others premium(size)6831 ₹ lakh3788 ₹ lakhQ1 FY26-27
gross npa ratio0.06 %0.00 %Q1 FY26-27
operating profit ratio0.0 %-23.0 %Q1 FY26-27
Point of Sales Person (Direct) policies(size)61893 count15038 countQ1 FY26-27
Corporate Agents – Banks policies(size)8526 count26983 countQ1 FY26-27
Direct Business – Online premium(size)1041 ₹ lakh388 ₹ lakhQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh6 ₹ lakhQ1 FY26-27
marine cargo incurred claims ratio85.4 %126.0 %Q1 FY26-27
expense ratio to gross premium28.7 %37.0 %Q1 FY26-27
liability combined ratio71.1 %118.0 %Q1 FY26-27
Direct Business – Online policies(size)8117 count4507 countQ1 FY26-27
Point of Sales Person (Direct) premium(size)13477 ₹ lakh2022 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)7.6 %5.4 %Q1 FY26-27
other investments(size)104613 INR_lakhs24617 INR_lakhsQ1 FY26-27
marine hull segment premium(size)3 ₹ lakh0 ₹ lakhQ4 FY25-26 / Q1 FY26-27
book value per share(size)40.92 ₹14.75 ₹Q4 FY25-26
net earning ratio2.5 %-22.0 %Q4 FY25-26
Direct Business – Others policies(size)63020 count3588 countQ4 FY25-26 / Q1 FY26-27
net yield (annualized)8.49 %7.39 %Q4 FY25-26 / FY25-26
gross yield (annualized)8.49 %7.39 %Q4 FY25-26 / FY25-26
Direct Business – Others premium(size)1600 ₹ lakh3912 ₹ lakhQ4 FY25-26 / Q1 FY26-27
earnings per share(size)0.59 ₹-0.93 ₹Q4 FY25-26
gross written premium(size)3763 ₹ crore625 ₹ croreFY25-03 / Q1 FY26-27
claims repudiation ratio5.03 %3.79 %FY24-25
claim settlement ratio82.1 %80.2 %FY24-25 / Q3 FY25-26

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

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Royal Sundaram General Insurance
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Zurich Kotak General Insurance
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