Tata AIG General Insurance vs Zurich Kotak General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Tata AIG General Insurance | Zurich Kotak General Insurance | Period |
|---|---|---|---|
| expense ratio to gross premium | 32.0 % | 37.0 % | Q1 FY26-27 |
| motor od combined ratio | 138.0 % | 147.0 % | Q1 FY26-27 |
| govt + approved securities(size) | 40.0 % | 32.8 % | Q1 FY26-27 |
| Brokers policies(size) | 1680361 count | 326637 count | Q1 FY26-27 |
| health incurred claims ratio | 82.0 % | 77.0 % | Q1 FY26-27 |
| fire segment premium(size) | 76072 ₹ lakh | 6360 ₹ lakh | Q1 FY26-27 |
| investment income ratio | 2.0 % | 7.0 % | Q1 FY26-27 |
| travel incurred claims ratio | 48.0 % | 102.0 % | Q1 FY26-27 |
| housing & infrastructure(size) | 16.0 % | 37.1 % | Q1 FY26-27 |
| profit before tax(size) | 261 ₹ crore | -64 ₹ crore | Q1 FY26-27 |
| aviation segment premium(size) | 9368 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| net earning ratio | 5.0 % | -22.0 % | Q1 FY26-27 / Q4 FY25-26 |
| operating profit ratio | 4.0 % | -23.0 % | Q1 FY26-27 |
| Individual Agents policies(size) | 692010 count | 6676 count | Q1 FY26-27 |
| workmen's compensation segment premium(size) | 2435 ₹ lakh | 278 ₹ lakh | Q1 FY26-27 |
| combined ratio | 111.0 % | 132.0 % | Q1 FY26-27 |
| profit after tax(size) | 195 ₹ crore | -64 ₹ crore | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 97.00 × | 41.00 × | Q1 FY26-27 |
| debentures & bonds(size) | 709686 INR_lakhs | 117050 INR_lakhs | Q1 FY26-27 |
| engineering combined ratio | 171.0 % | 85.0 % | Q1 FY26-27 |
| central govt. securities(size) | 22.0 % | 21.9 % | Q1 FY26-27 |
| other investments(size) | 238487 INR_lakhs | 24617 INR_lakhs | Q1 FY26-27 |
| liability combined ratio | 68.0 % | 118.0 % | Q1 FY26-27 |
| workmen's compensation incurred claims ratio | 50.0 % | 24.0 % | Q1 FY26-27 |
| travel segment premium(size) | 15212 ₹ lakh | 229 ₹ lakh | Q1 FY26-27 |
| motor tp combined ratio | 115.0 % | 150.0 % | Q1 FY26-27 |
| motor od incurred claims ratio | 89.0 % | 92.0 % | Q1 FY26-27 |
| incurred claims ratio | 74.0 % | 86.0 % | Q1 FY26-27 |
| marine cargo segment premium(size) | 25413 ₹ lakh | 3288 ₹ lakh | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 531281 count | 15038 count | Q1 FY26-27 |
| workmen's compensation combined ratio | 86.0 % | 63.0 % | Q1 FY26-27 |
| travel combined ratio | 99.0 % | 222.0 % | Q1 FY26-27 |
| net worth growth rate(size) | 3.0 % | -17.0 % | Q1 FY26-27 |
| marine cargo combined ratio | 147.0 % | 198.0 % | Q1 FY26-27 |
| marine hull segment premium(size) | 588 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 33859 count | 765 count | Q1 FY26-27 |
| Web Aggregators premium(size) | 78 ₹ lakh | 7 ₹ lakh | Q1 FY26-27 |
| motor tp incurred claims ratio | 59.0 % | 106.0 % | Q1 FY26-27 |
| motor TP segment premium(size) | 131029 ₹ lakh | 11513 ₹ lakh | Q1 FY26-27 |
| Web Aggregators policies(size) | 451 count | 53 count | Q1 FY26-27 |
| fire incurred claims ratio | 60.0 % | 42.0 % | Q1 FY26-27 |
| gross npa (amount) | 0 INR_lakhs | 0 INR_lakhs | Q1 FY26-27 |
| liability segment premium(size) | 33611 ₹ lakh | 4210 ₹ lakh | Q1 FY26-27 |
| gross direct premium growth rate(size) | 34.0 % | 9.0 % | Q1 FY26-27 |
| personal accident incurred claims ratio | 60.0 % | 33.0 % | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 26151 ₹ lakh | 11060 ₹ lakh | Q1 FY26-27 |
| government securities(size) | 1535427 INR_lakhs | 154635 INR_lakhs | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 716768 count | 20705 count | Q1 FY26-27 |
| health segment premium(size) | 184202 ₹ lakh | 19221 ₹ lakh | Q1 FY26-27 |
| engineering segment premium(size) | 15485 ₹ lakh | 970 ₹ lakh | Q1 FY26-27 |
| MISP (Direct) premium(size) | 9417 ₹ lakh | 6 ₹ lakh | Q1 FY26-27 |
| net commission ratio(size) | 20.0 % | 21.0 % | Q1 FY26-27 |
| liability incurred claims ratio | 113.0 % | 72.0 % | Q1 FY26-27 |
| npa provision coverage | 0.0 % | 0.0 % | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 239087 count | 26983 count | Q1 FY26-27 |
| health combined ratio | 101.0 % | 115.0 % | Q1 FY26-27 |
| marine cargo incurred claims ratio | 121.0 % | 126.0 % | Q1 FY26-27 |
| motor OD segment premium(size) | 123579 ₹ lakh | 12994 ₹ lakh | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 6.0 % | 5.4 % | Q1 FY26-27 |
| personal accident segment premium(size) | 6838 ₹ lakh | 1622 ₹ lakh | Q1 FY26-27 |
| Brokers premium(size) | 350032 ₹ lakh | 39676 ₹ lakh | Q1 FY26-27 |
| net yield (quarterly) | 1.63 % | 7.04 % | Q1 FY26-27 |
| fire combined ratio | 79.0 % | 80.0 % | Q1 FY26-27 |
| MISP (Direct) policies(size) | 208206 count | 41 count | Q1 FY26-27 |
| expense ratio | 37.0 % | 46.0 % | Q1 FY26-27 |
| gross yield (quarterly) | 2.18 % | 7.04 % | Q1 FY26-27 |
| net retention ratio(size) | 59.0 % | 73.0 % | Q1 FY26-27 |
| crop insurance segment premium(size) | 5 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| Individual Agents premium(size) | 117253 ₹ lakh | 1563 ₹ lakh | Q1 FY26-27 |
| engineering incurred claims ratio | 173.0 % | 26.0 % | Q1 FY26-27 |
| other segment premium(size) | 20479 ₹ lakh | 1807 ₹ lakh | Q1 FY26-27 |
| solvency ratio | 1.84 × | 2.84 × | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 5.0 % | 12.0 % | Q1 FY26-27 |
| infrastructure & housing(size) | 755625 INR_lakhs | 174877 INR_lakhs | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 43612 ₹ lakh | 2022 ₹ lakh | Q1 FY26-27 |
| underwriting balance ratio | -0.2 % | -36.0 % | Q1 FY26-27 |
| book value per share(size) | 67.70 ₹ | 14.75 ₹ | Q1 FY26-27 / Q4 FY25-26 |
| personal accident combined ratio | 83.0 % | 87.0 % | Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 3905 ₹ lakh | 65 ₹ lakh | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 29694 ₹ lakh | 3788 ₹ lakh | Q1 FY26-27 |
| gross yield (annualized) | 7.80 % | 7.39 % | Q4 FY25-26 / FY25-26 |
| net yield (annualized) | 5.81 % | 7.39 % | Q4 FY25-26 / FY25-26 |
| gross written premium(size) | 17703 ₹ crore | 625 ₹ crore | FY25-03 / Q1 FY26-27 |
| claim settlement ratio | 80.2 % | 80.2 % | FY24-25 / Q3 FY25-26 |
| claims repudiation ratio | 2.80 % | 3.79 % | FY24-25 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.