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United India Insurance vs Zurich Kotak General Insurance: IRDAI Data Comparison

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

MetricUnited India InsuranceZurich Kotak General InsurancePeriod
profit before tax(size)-809 ₹ crore-64 ₹ croreQ1 FY26-27
government securities(size)1624959 INR_lakhs154635 INR_lakhsQ1 FY26-27
health segment premium(size)206119 ₹ lakh19221 ₹ lakhQ1 FY26-27
gross direct premium to net worth ratio(size)-80.00 ×41.00 ×Q1 FY26-27
Point of Sales Person (Direct) premium(size)5345 ₹ lakh2022 ₹ lakhQ1 FY26-27
MISP (Direct) policies(size)4495 count41 countQ1 FY26-27
Brokers premium(size)226344 ₹ lakh39676 ₹ lakhQ1 FY26-27
crop insurance segment premium(size)0 ₹ lakh0 ₹ lakhQ1 FY26-27
Corporate Agents – Others policies(size)50625 count20705 countQ1 FY26-27
travel segment premium(size)116 ₹ lakh229 ₹ lakhQ1 FY26-27
personal accident segment premium(size)7681 ₹ lakh1622 ₹ lakhQ1 FY26-27
other investments(size)73696 INR_lakhs24617 INR_lakhsQ1 FY26-27
Brokers policies(size)1143981 count326637 countQ1 FY26-27
Corporate Agents – Banks policies(size)34735 count26983 countQ1 FY26-27
MISP (Direct) premium(size)612 ₹ lakh6 ₹ lakhQ1 FY26-27
Micro Agents premium(size)0 ₹ lakh6 ₹ lakhQ1 FY26-27
debentures & bonds(size)233920 INR_lakhs117050 INR_lakhsQ1 FY26-27
central govt. securities(size)23.1 %21.9 %Q1 FY26-27
Direct Business – Others policies(size)87890 count3588 countQ1 FY26-27
liability segment premium(size)8837 ₹ lakh4210 ₹ lakhQ1 FY26-27
technical reserves to premium ratio(size)9.0 %5.4 %Q1 FY26-27
gross npa (amount)33495 INR_lakhs0 INR_lakhsQ1 FY26-27
motor TP segment premium(size)187028 ₹ lakh11513 ₹ lakhQ1 FY26-27
expense ratio35.5 %46.0 %Q1 FY26-27
fire segment premium(size)61685 ₹ lakh6360 ₹ lakhQ1 FY26-27
combined ratio139.1 %132.0 %Q1 FY26-27
Insurance Marketing Firm policies(size)7461 count765 countQ1 FY26-27
workmen's compensation segment premium(size)1922 ₹ lakh278 ₹ lakhQ1 FY26-27
operating profit ratio-17.3 %-23.0 %Q1 FY26-27
marine cargo segment premium(size)6765 ₹ lakh3288 ₹ lakhQ1 FY26-27
housing & infrastructure(size)19.6 %37.1 %Q1 FY26-27
npa provision coverage100.0 %0.0 %Q1 FY26-27
Micro Agents policies(size)0 count4 countQ1 FY26-27 / Q4 FY25-26
engineering segment premium(size)12861 ₹ lakh970 ₹ lakhQ1 FY26-27
Corporate Agents – Banks premium(size)980 ₹ lakh11060 ₹ lakhQ1 FY26-27
gross yield (quarterly)8.97 %7.04 %Q1 FY26-27
Direct Business – Online policies(size)4630 count4507 countQ1 FY26-27
Point of Sales Person (Direct) policies(size)87834 count15038 countQ1 FY26-27
Web Aggregators premium(size)18079 ₹ lakh7 ₹ lakhQ1 FY26-27
Corporate Agents – Others premium(size)1598 ₹ lakh3788 ₹ lakhQ1 FY26-27
net commission ratio(size)18.3 %21.0 %Q1 FY26-27
net yield (quarterly)5.92 %7.04 %Q1 FY26-27
Web Aggregators policies(size)722317 count53 countQ1 FY26-27
gross direct premium growth rate(size)-27.0 %9.0 %Q1 FY26-27
infrastructure & housing(size)763969 INR_lakhs174877 INR_lakhsQ1 FY26-27
investment income ratio8.9 %7.0 %Q1 FY26-27
underwriting balance ratio-34.6 %-36.0 %Q1 FY26-27
profit after tax(size)-809 ₹ crore-64 ₹ croreQ1 FY26-27
marine hull segment premium(size)5184 ₹ lakh0 ₹ lakhQ1 FY26-27
Individual Agents policies(size)2597447 count6676 countQ1 FY26-27
net worth growth rate(size)0.0 %-17.0 %Q1 FY26-27
gross npa ratio1.01 %0.00 %Q1 FY26-27
Insurance Marketing Firm premium(size)600 ₹ lakh65 ₹ lakhQ1 FY26-27
solvency ratio-1.49 ×2.84 ×Q1 FY26-27
aviation segment premium(size)542 ₹ lakh0 ₹ lakhQ1 FY26-27
Direct Business – Online premium(size)663 ₹ lakh388 ₹ lakhQ1 FY26-27
incurred claims ratio103.6 %86.0 %Q1 FY26-27
expense ratio to gross premium27.3 %37.0 %Q1 FY26-27
govt + approved securities(size)49.1 %32.8 %Q1 FY26-27
net retention ratio(size)71.9 %73.0 %Q1 FY26-27
Individual Agents premium(size)186927 ₹ lakh1563 ₹ lakhQ1 FY26-27
Direct Business – Others premium(size)104025 ₹ lakh3912 ₹ lakhQ1 FY26-27
motor OD segment premium(size)47468 ₹ lakh12994 ₹ lakhQ1 FY26-27
liability incurred claims ratio42.2 %72.0 %Q4 FY25-26 / Q1 FY26-27
earnings per share(size)-12.39 ₹-0.93 ₹Q4 FY25-26
personal accident incurred claims ratio116.6 %33.0 %Q4 FY25-26 / Q1 FY26-27
workmen's compensation combined ratio64.8 %63.0 %Q4 FY25-26 / Q1 FY26-27
personal accident combined ratio151.3 %87.0 %Q4 FY25-26 / Q1 FY26-27
marine cargo combined ratio108.4 %198.0 %Q4 FY25-26 / Q1 FY26-27
liability combined ratio96.5 %118.0 %Q4 FY25-26 / Q1 FY26-27
motor od incurred claims ratio98.5 %92.0 %Q4 FY25-26 / Q1 FY26-27
engineering incurred claims ratio43.4 %26.0 %Q4 FY25-26 / Q1 FY26-27
book value per share(size)-15.98 ₹14.75 ₹Q4 FY25-26
engineering combined ratio97.9 %85.0 %Q4 FY25-26 / Q1 FY26-27
motor tp incurred claims ratio105.4 %106.0 %Q4 FY25-26 / Q1 FY26-27
net earning ratio-15.3 %-22.0 %Q4 FY25-26
motor od combined ratio143.8 %147.0 %Q4 FY25-26 / Q1 FY26-27
marine cargo incurred claims ratio68.7 %126.0 %Q4 FY25-26 / Q1 FY26-27
health combined ratio132.0 %115.0 %Q4 FY25-26 / Q1 FY26-27
fire incurred claims ratio107.6 %42.0 %Q4 FY25-26 / Q1 FY26-27
fire combined ratio176.5 %80.0 %Q4 FY25-26 / Q1 FY26-27
health incurred claims ratio103.9 %77.0 %Q4 FY25-26 / Q1 FY26-27
motor tp combined ratio157.7 %150.0 %Q4 FY25-26 / Q1 FY26-27
net yield (annualized)6.83 %7.39 %FY25-26
workmen's compensation incurred claims ratio19.1 %24.0 %Q4 FY25-26 / Q1 FY26-27
gross yield (annualized)10.35 %7.39 %FY25-26
claims repudiation ratio3.96 %3.79 %FY24-25
claim settlement ratio84.9 %80.2 %FY24-25 / Q3 FY25-26
gross written premium(size)20072 ₹ crore625 ₹ croreFY25-03 / Q1 FY26-27

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

Individual profiles

United India Insurance
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Zurich Kotak General Insurance
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