Tata AIG General Insurance vs Universal Sompo General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Tata AIG General Insurance | Universal Sompo General Insurance | Period |
|---|---|---|---|
| expense ratio to gross premium | 32.0 % | 28.7 % | Q1 FY26-27 |
| motor od combined ratio | 138.0 % | 149.2 % | Q1 FY26-27 |
| debt to equity ratio | 0.08 × | 0.14 × | Q1 FY26-27 / Q4 FY25-26 |
| govt + approved securities(size) | 40.0 % | 37.0 % | Q1 FY26-27 |
| Brokers policies(size) | 1680361 count | 853611 count | Q1 FY26-27 |
| aviation combined ratio | 32275.0 % | 0.0 % | Q1 FY26-27 |
| health incurred claims ratio | 82.0 % | 71.0 % | Q1 FY26-27 |
| fire segment premium(size) | 76072 ₹ lakh | 9563 ₹ lakh | Q1 FY26-27 |
| investment income ratio | 2.0 % | 1.8 % | Q1 FY26-27 |
| travel incurred claims ratio | 48.0 % | 5.5 % | Q1 FY26-27 |
| housing & infrastructure(size) | 16.0 % | 29.0 % | Q1 FY26-27 |
| marine hull combined ratio | -501.0 % | -881.7 % | Q1 FY26-27 |
| profit before tax(size) | 261 ₹ crore | 55 ₹ crore | Q1 FY26-27 |
| net earning ratio | 5.0 % | 5.8 % | Q1 FY26-27 / Q4 FY25-26 |
| credit insurance segment premium(size) | 11549 ₹ lakh | 424 ₹ lakh | Q1 FY26-27 |
| operating profit ratio | 4.0 % | 4.6 % | Q1 FY26-27 |
| aviation incurred claims ratio | 32150.0 % | 0.0 % | Q1 FY26-27 |
| Individual Agents policies(size) | 692010 count | 46866 count | Q1 FY26-27 |
| workmen's compensation segment premium(size) | 2435 ₹ lakh | 87 ₹ lakh | Q1 FY26-27 |
| combined ratio | 111.0 % | 104.3 % | Q1 FY26-27 |
| profit after tax(size) | 195 ₹ crore | 41 ₹ crore | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 97.00 × | 93.00 × | Q1 FY26-27 |
| debentures & bonds(size) | 709686 INR_lakhs | 167084 INR_lakhs | Q1 FY26-27 |
| engineering combined ratio | 171.0 % | 73.3 % | Q1 FY26-27 |
| central govt. securities(size) | 22.0 % | 25.0 % | Q1 FY26-27 |
| other investments(size) | 238487 INR_lakhs | 21552 INR_lakhs | Q1 FY26-27 |
| liability combined ratio | 68.0 % | 26.4 % | Q1 FY26-27 |
| workmen's compensation incurred claims ratio | 50.0 % | 68.5 % | Q1 FY26-27 |
| crop combined ratio | -570.0 % | 148.0 % | Q1 FY26-27 |
| travel segment premium(size) | 15212 ₹ lakh | 478 ₹ lakh | Q1 FY26-27 |
| motor tp combined ratio | 115.0 % | 77.5 % | Q1 FY26-27 |
| motor od incurred claims ratio | 89.0 % | 102.0 % | Q1 FY26-27 |
| incurred claims ratio | 74.0 % | 80.3 % | Q1 FY26-27 |
| marine cargo segment premium(size) | 25413 ₹ lakh | 2242 ₹ lakh | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 531281 count | 146450 count | Q1 FY26-27 |
| workmen's compensation combined ratio | 86.0 % | 96.4 % | Q1 FY26-27 |
| travel combined ratio | 99.0 % | 169.0 % | Q1 FY26-27 |
| net worth growth rate(size) | 3.0 % | 12.0 % | Q1 FY26-27 |
| marine cargo combined ratio | 147.0 % | 143.2 % | Q1 FY26-27 |
| marine hull segment premium(size) | 588 ₹ lakh | 7138 ₹ lakh | Q1 FY26-27 |
| marine hull incurred claims ratio | 100.0 % | 22.2 % | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 33859 count | 4758 count | Q1 FY26-27 |
| Web Aggregators premium(size) | 78 ₹ lakh | 919 ₹ lakh | Q1 FY26-27 |
| motor tp incurred claims ratio | 59.0 % | 65.8 % | Q1 FY26-27 |
| motor TP segment premium(size) | 131029 ₹ lakh | 61853 ₹ lakh | Q1 FY26-27 |
| Web Aggregators policies(size) | 451 count | 760 count | Q1 FY26-27 |
| fire incurred claims ratio | 60.0 % | -241.8 % | Q1 FY26-27 |
| liability segment premium(size) | 33611 ₹ lakh | 867 ₹ lakh | Q1 FY26-27 |
| gross direct premium growth rate(size) | 34.0 % | 33.5 % | Q1 FY26-27 |
| crop incurred claims ratio | 128.0 % | 83.5 % | Q1 FY26-27 |
| personal accident incurred claims ratio | 60.0 % | 74.3 % | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 26151 ₹ lakh | 11348 ₹ lakh | Q1 FY26-27 |
| government securities(size) | 1535427 INR_lakhs | 263751 INR_lakhs | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 716768 count | 22034 count | Q1 FY26-27 |
| health segment premium(size) | 184202 ₹ lakh | 34439 ₹ lakh | Q1 FY26-27 |
| engineering segment premium(size) | 15485 ₹ lakh | 664 ₹ lakh | Q1 FY26-27 |
| net commission ratio(size) | 20.0 % | 10.4 % | Q1 FY26-27 |
| liability incurred claims ratio | 113.0 % | -2.9 % | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 239087 count | 129053 count | Q1 FY26-27 |
| health combined ratio | 101.0 % | 87.1 % | Q1 FY26-27 |
| marine cargo incurred claims ratio | 121.0 % | 113.6 % | Q1 FY26-27 |
| motor OD segment premium(size) | 123579 ₹ lakh | 44195 ₹ lakh | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 6.0 % | 4.2 % | Q1 FY26-27 |
| personal accident segment premium(size) | 6838 ₹ lakh | 6636 ₹ lakh | Q1 FY26-27 |
| Brokers premium(size) | 350032 ₹ lakh | 108870 ₹ lakh | Q1 FY26-27 |
| net yield (quarterly) | 1.63 % | 5.36 % | Q1 FY26-27 |
| fire combined ratio | 79.0 % | -286.4 % | Q1 FY26-27 |
| expense ratio | 37.0 % | 24.0 % | Q1 FY26-27 |
| gross yield (quarterly) | 2.18 % | 7.16 % | Q1 FY26-27 |
| net retention ratio(size) | 59.0 % | 52.1 % | Q1 FY26-27 |
| crop insurance segment premium(size) | 5 ₹ lakh | 2057 ₹ lakh | Q1 FY26-27 |
| Individual Agents premium(size) | 117253 ₹ lakh | 7540 ₹ lakh | Q1 FY26-27 |
| engineering incurred claims ratio | 173.0 % | 26.0 % | Q1 FY26-27 |
| solvency ratio | 1.84 × | 1.97 × | Q1 FY26-27 / Q4 FY24-25 |
| claims paid to provisioned ratio(size) | 5.0 % | 20.1 % | Q1 FY26-27 |
| infrastructure & housing(size) | 755625 INR_lakhs | 197661 INR_lakhs | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 43612 ₹ lakh | 20072 ₹ lakh | Q1 FY26-27 |
| underwriting balance ratio | -0.2 % | -8.0 % | Q1 FY26-27 |
| book value per share(size) | 67.70 ₹ | 50.20 ₹ | Q1 FY26-27 / Q4 FY25-26 |
| personal accident combined ratio | 83.0 % | 89.3 % | Q1 FY26-27 |
| mutual funds(size) | 214987 INR_lakhs | 207 INR_lakhs | Q1 FY26-27 / Q2 FY25-26 |
| Insurance Marketing Firm premium(size) | 3905 ₹ lakh | 507 ₹ lakh | Q1 FY26-27 |
| equity & preference shares(size) | 679771 INR_lakhs | 42415 INR_lakhs | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 29694 ₹ lakh | 2597 ₹ lakh | Q1 FY26-27 |
| gross yield (annualized) | 7.80 % | 8.00 % | Q4 FY25-26 |
| net yield (annualized) | 5.81 % | 6.00 % | Q4 FY25-26 |
| other incurred claims ratio | 153.0 % | 74.0 % | Q4 FY25-26 |
| other combined ratio | 67.0 % | 60.0 % | Q4 FY25-26 |
| gross written premium(size) | 17703 ₹ crore | 5078 ₹ crore | FY25-03 |
| claim settlement ratio | 80.2 % | 91.3 % | FY24-25 |
| claims repudiation ratio | 2.80 % | 1.76 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.