Universal Sompo General Insurance vs Zuno General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Universal Sompo General Insurance | Zuno General Insurance | Period |
|---|---|---|---|
| operating profit ratio | 4.6 % | -3.0 % | Q1 FY26-27 |
| combined ratio | 104.3 % | 115.0 % | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 20072 ₹ lakh | 1065 ₹ lakh | Q1 FY26-27 |
| other investments(size) | 21552 INR_lakhs | 20794 INR_lakhs | Q1 FY26-27 |
| engineering combined ratio | 73.3 % | -308.0 % | Q1 FY26-27 |
| infrastructure & housing(size) | 197661 INR_lakhs | 52190 INR_lakhs | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 4.2 % | 6.3 % | Q1 FY26-27 |
| fire incurred claims ratio | -241.8 % | -46.0 % | Q1 FY26-27 |
| gross yield (quarterly) | 7.16 % | 2.05 % | Q1 FY26-27 |
| personal accident segment premium(size) | 6636 ₹ lakh | 2430 ₹ lakh | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 4758 count | 416 count | Q1 FY26-27 |
| motor od combined ratio | 149.2 % | 133.0 % | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 93.00 × | 98.00 × | Q1 FY26-27 |
| liability incurred claims ratio | -2.9 % | 55.0 % | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 11348 ₹ lakh | -2 ₹ lakh | Q1 FY26-27 |
| health incurred claims ratio | 71.0 % | 99.0 % | Q1 FY26-27 |
| investment income ratio | 1.8 % | 2.1 % | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 2597 ₹ lakh | 3306 ₹ lakh | Q1 FY26-27 |
| aviation combined ratio | 0.0 % | 0.0 % | Q1 FY26-27 / Q4 FY23-24 |
| marine cargo combined ratio | 143.2 % | 936.0 % | Q1 FY26-27 |
| fire segment premium(size) | 9563 ₹ lakh | 1482 ₹ lakh | Q1 FY26-27 |
| marine cargo incurred claims ratio | 113.6 % | 903.0 % | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 129053 count | 3 count | Q1 FY26-27 |
| marine hull segment premium(size) | 7138 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| central govt. securities(size) | 25.0 % | 23.0 % | Q1 FY26-27 |
| underwriting balance ratio | -8.0 % | -0.2 % | Q1 FY26-27 |
| govt + approved securities(size) | 37.0 % | 31.0 % | Q1 FY26-27 |
| marine hull combined ratio | -881.7 % | 0.0 % | Q1 FY26-27 / Q4 FY23-24 |
| Web Aggregators premium(size) | 919 ₹ lakh | 2 ₹ lakh | Q1 FY26-27 |
| travel combined ratio | 169.0 % | 260.0 % | Q1 FY26-27 |
| workmen's compensation combined ratio | 96.4 % | 93.0 % | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 20.1 % | 57.0 % | Q1 FY26-27 |
| housing & infrastructure(size) | 29.0 % | 26.0 % | Q1 FY26-27 |
| profit after tax(size) | 41 ₹ crore | -4 ₹ crore | Q1 FY26-27 |
| marine hull incurred claims ratio | 22.2 % | 0.0 % | Q1 FY26-27 / Q4 FY23-24 |
| net retention ratio(size) | 52.1 % | 57.0 % | Q1 FY26-27 |
| Common Service Centres (CSC) premium(size) | 634 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| motor OD segment premium(size) | 44195 ₹ lakh | 11217 ₹ lakh | Q1 FY26-27 |
| personal accident incurred claims ratio | 74.3 % | 96.0 % | Q1 FY26-27 |
| marine cargo segment premium(size) | 2242 ₹ lakh | 104 ₹ lakh | Q1 FY26-27 |
| Web Aggregators policies(size) | 760 count | 26 count | Q1 FY26-27 |
| Individual Agents premium(size) | 7540 ₹ lakh | 339 ₹ lakh | Q1 FY26-27 |
| Individual Agents policies(size) | 46866 count | 2652 count | Q1 FY26-27 |
| crop incurred claims ratio | 83.5 % | 0.0 % | Q1 FY26-27 / Q4 FY23-24 |
| other approved securities(size) | 6634 INR_lakhs | 15995 INR_lakhs | Q1 FY26-27 |
| motor od incurred claims ratio | 102.0 % | 80.0 % | Q1 FY26-27 |
| crop insurance segment premium(size) | 2057 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| Common Service Centres (CSC) policies(size) | 22916 count | 0 count | Q1 FY26-27 |
| incurred claims ratio | 80.3 % | 81.0 % | Q1 FY26-27 |
| engineering incurred claims ratio | 26.0 % | 471.0 % | Q1 FY26-27 |
| Brokers premium(size) | 108870 ₹ lakh | 34463 ₹ lakh | Q1 FY26-27 |
| expense ratio to gross premium | 28.7 % | 31.0 % | Q1 FY26-27 |
| profit before tax(size) | 55 ₹ crore | -4 ₹ crore | Q1 FY26-27 |
| workmen's compensation segment premium(size) | 87 ₹ lakh | 1 ₹ lakh | Q1 FY26-27 |
| gross direct premium growth rate(size) | 33.5 % | 62.0 % | Q1 FY26-27 |
| travel incurred claims ratio | 5.5 % | 199.0 % | Q1 FY26-27 |
| equity & preference shares(size) | 42415 INR_lakhs | 4406 INR_lakhs | Q1 FY26-27 |
| workmen's compensation incurred claims ratio | 68.5 % | 56.0 % | Q1 FY26-27 |
| crop combined ratio | 148.0 % | 0.0 % | Q1 FY26-27 / Q4 FY23-24 |
| net yield (quarterly) | 5.36 % | 2.05 % | Q1 FY26-27 |
| government securities(size) | 263751 INR_lakhs | 41239 INR_lakhs | Q1 FY26-27 |
| motor tp combined ratio | 77.5 % | 89.0 % | Q1 FY26-27 |
| aviation incurred claims ratio | 0.0 % | 0.0 % | Q1 FY26-27 / Q4 FY23-24 |
| Brokers policies(size) | 853611 count | 221205 count | Q1 FY26-27 |
| motor TP segment premium(size) | 61853 ₹ lakh | 10171 ₹ lakh | Q1 FY26-27 |
| net commission ratio(size) | 10.4 % | 10.0 % | Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 507 ₹ lakh | 64 ₹ lakh | Q1 FY26-27 |
| motor tp incurred claims ratio | 65.8 % | 53.0 % | Q1 FY26-27 |
| debentures & bonds(size) | 167084 INR_lakhs | 35131 INR_lakhs | Q1 FY26-27 |
| health segment premium(size) | 34439 ₹ lakh | 12044 ₹ lakh | Q1 FY26-27 |
| personal accident combined ratio | 89.3 % | 124.0 % | Q1 FY26-27 |
| liability combined ratio | 26.4 % | 77.0 % | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 146450 count | 9545 count | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 22034 count | 4637 count | Q1 FY26-27 |
| travel segment premium(size) | 478 ₹ lakh | 40 ₹ lakh | Q1 FY26-27 |
| engineering segment premium(size) | 664 ₹ lakh | 121 ₹ lakh | Q1 FY26-27 |
| net worth growth rate(size) | 12.0 % | 13.0 % | Q1 FY26-27 |
| liability segment premium(size) | 867 ₹ lakh | 91 ₹ lakh | Q1 FY26-27 |
| fire combined ratio | -286.4 % | -38.0 % | Q1 FY26-27 |
| health combined ratio | 87.1 % | 126.0 % | Q1 FY26-27 |
| expense ratio | 24.0 % | 34.0 % | Q1 FY26-27 |
| gross yield (annualized) | 8.00 % | 8.42 % | Q4 FY25-26 / FY25-26 |
| other combined ratio | 60.0 % | -2.0 % | Q4 FY25-26 |
| other incurred claims ratio | 74.0 % | 90.0 % | Q4 FY25-26 |
| net yield (annualized) | 6.00 % | 8.42 % | Q4 FY25-26 / FY25-26 |
| net earning ratio | 5.8 % | -2.0 % | Q4 FY25-26 / Q1 FY26-27 |
| mutual funds(size) | 207 INR_lakhs | 7230 INR_lakhs | Q2 FY25-26 / Q1 FY26-27 |
| solvency ratio | 1.97 × | 1.64 × | Q4 FY24-25 / Q1 FY26-27 |
| claims repudiation ratio | 1.76 % | 7.59 % | FY24-25 |
| claim settlement ratio | 91.3 % | 70.9 % | FY24-25 / Q1 FY26-27 |
| gross written premium(size) | 5078 ₹ crore | 402 ₹ crore | FY25-03 / Q1 FY26-27 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.