Universal Sompo General Insurance vs Zurich Kotak General Insurance: IRDAI Data Comparison
General insurer comparison · Source: IRDAI public disclosures ·How to read this comparison
| Metric | Universal Sompo General Insurance | Zurich Kotak General Insurance | Period |
|---|---|---|---|
| operating profit ratio | 4.6 % | -23.0 % | Q1 FY26-27 |
| combined ratio | 104.3 % | 132.0 % | Q1 FY26-27 |
| Point of Sales Person (Direct) premium(size) | 20072 ₹ lakh | 2022 ₹ lakh | Q1 FY26-27 |
| other investments(size) | 21552 INR_lakhs | 24617 INR_lakhs | Q1 FY26-27 |
| engineering combined ratio | 73.3 % | 85.0 % | Q1 FY26-27 |
| infrastructure & housing(size) | 197661 INR_lakhs | 174877 INR_lakhs | Q1 FY26-27 |
| technical reserves to premium ratio(size) | 4.2 % | 5.4 % | Q1 FY26-27 |
| fire incurred claims ratio | -241.8 % | 42.0 % | Q1 FY26-27 |
| gross yield (quarterly) | 7.16 % | 7.04 % | Q1 FY26-27 |
| personal accident segment premium(size) | 6636 ₹ lakh | 1622 ₹ lakh | Q1 FY26-27 |
| Insurance Marketing Firm policies(size) | 4758 count | 765 count | Q1 FY26-27 |
| motor od combined ratio | 149.2 % | 147.0 % | Q1 FY26-27 |
| gross direct premium to net worth ratio(size) | 93.00 × | 41.00 × | Q1 FY26-27 |
| liability incurred claims ratio | -2.9 % | 72.0 % | Q1 FY26-27 |
| Corporate Agents – Banks premium(size) | 11348 ₹ lakh | 11060 ₹ lakh | Q1 FY26-27 |
| health incurred claims ratio | 71.0 % | 77.0 % | Q1 FY26-27 |
| investment income ratio | 1.8 % | 7.0 % | Q1 FY26-27 |
| Corporate Agents – Others premium(size) | 2597 ₹ lakh | 3788 ₹ lakh | Q1 FY26-27 |
| marine cargo combined ratio | 143.2 % | 198.0 % | Q1 FY26-27 |
| fire segment premium(size) | 9563 ₹ lakh | 6360 ₹ lakh | Q1 FY26-27 |
| marine cargo incurred claims ratio | 113.6 % | 126.0 % | Q1 FY26-27 |
| Corporate Agents – Banks policies(size) | 129053 count | 26983 count | Q1 FY26-27 |
| marine hull segment premium(size) | 7138 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| central govt. securities(size) | 25.0 % | 21.9 % | Q1 FY26-27 |
| underwriting balance ratio | -8.0 % | -36.0 % | Q1 FY26-27 |
| govt + approved securities(size) | 37.0 % | 32.8 % | Q1 FY26-27 |
| Web Aggregators premium(size) | 919 ₹ lakh | 7 ₹ lakh | Q1 FY26-27 |
| travel combined ratio | 169.0 % | 222.0 % | Q1 FY26-27 |
| workmen's compensation combined ratio | 96.4 % | 63.0 % | Q1 FY26-27 |
| claims paid to provisioned ratio(size) | 20.1 % | 12.0 % | Q1 FY26-27 |
| housing & infrastructure(size) | 29.0 % | 37.1 % | Q1 FY26-27 |
| profit after tax(size) | 41 ₹ crore | -64 ₹ crore | Q1 FY26-27 |
| net retention ratio(size) | 52.1 % | 73.0 % | Q1 FY26-27 |
| motor OD segment premium(size) | 44195 ₹ lakh | 12994 ₹ lakh | Q1 FY26-27 |
| personal accident incurred claims ratio | 74.3 % | 33.0 % | Q1 FY26-27 |
| marine cargo segment premium(size) | 2242 ₹ lakh | 3288 ₹ lakh | Q1 FY26-27 |
| Web Aggregators policies(size) | 760 count | 53 count | Q1 FY26-27 |
| Individual Agents premium(size) | 7540 ₹ lakh | 1563 ₹ lakh | Q1 FY26-27 |
| Individual Agents policies(size) | 46866 count | 6676 count | Q1 FY26-27 |
| motor od incurred claims ratio | 102.0 % | 92.0 % | Q1 FY26-27 |
| crop insurance segment premium(size) | 2057 ₹ lakh | 0 ₹ lakh | Q1 FY26-27 |
| Direct Business – Others policies(size) | 1494 count | 3588 count | Q1 FY26-27 |
| incurred claims ratio | 80.3 % | 86.0 % | Q1 FY26-27 |
| engineering incurred claims ratio | 26.0 % | 26.0 % | Q1 FY26-27 |
| Brokers premium(size) | 108870 ₹ lakh | 39676 ₹ lakh | Q1 FY26-27 |
| expense ratio to gross premium | 28.7 % | 37.0 % | Q1 FY26-27 |
| profit before tax(size) | 55 ₹ crore | -64 ₹ crore | Q1 FY26-27 |
| workmen's compensation segment premium(size) | 87 ₹ lakh | 278 ₹ lakh | Q1 FY26-27 |
| gross direct premium growth rate(size) | 33.5 % | 9.0 % | Q1 FY26-27 |
| travel incurred claims ratio | 5.5 % | 102.0 % | Q1 FY26-27 |
| workmen's compensation incurred claims ratio | 68.5 % | 24.0 % | Q1 FY26-27 |
| net yield (quarterly) | 5.36 % | 7.04 % | Q1 FY26-27 |
| government securities(size) | 263751 INR_lakhs | 154635 INR_lakhs | Q1 FY26-27 |
| motor tp combined ratio | 77.5 % | 150.0 % | Q1 FY26-27 |
| Brokers policies(size) | 853611 count | 326637 count | Q1 FY26-27 |
| motor TP segment premium(size) | 61853 ₹ lakh | 11513 ₹ lakh | Q1 FY26-27 |
| net commission ratio(size) | 10.4 % | 21.0 % | Q1 FY26-27 |
| Insurance Marketing Firm premium(size) | 507 ₹ lakh | 65 ₹ lakh | Q1 FY26-27 |
| motor tp incurred claims ratio | 65.8 % | 106.0 % | Q1 FY26-27 |
| debentures & bonds(size) | 167084 INR_lakhs | 117050 INR_lakhs | Q1 FY26-27 |
| health segment premium(size) | 34439 ₹ lakh | 19221 ₹ lakh | Q1 FY26-27 |
| personal accident combined ratio | 89.3 % | 87.0 % | Q1 FY26-27 |
| Direct Business – Others premium(size) | 22576 ₹ lakh | 3912 ₹ lakh | Q1 FY26-27 |
| liability combined ratio | 26.4 % | 118.0 % | Q1 FY26-27 |
| Point of Sales Person (Direct) policies(size) | 146450 count | 15038 count | Q1 FY26-27 |
| Corporate Agents – Others policies(size) | 22034 count | 20705 count | Q1 FY26-27 |
| travel segment premium(size) | 478 ₹ lakh | 229 ₹ lakh | Q1 FY26-27 |
| engineering segment premium(size) | 664 ₹ lakh | 970 ₹ lakh | Q1 FY26-27 |
| net worth growth rate(size) | 12.0 % | -17.0 % | Q1 FY26-27 |
| liability segment premium(size) | 867 ₹ lakh | 4210 ₹ lakh | Q1 FY26-27 |
| fire combined ratio | -286.4 % | 80.0 % | Q1 FY26-27 |
| health combined ratio | 87.1 % | 115.0 % | Q1 FY26-27 |
| expense ratio | 24.0 % | 46.0 % | Q1 FY26-27 |
| gross yield (annualized) | 8.00 % | 7.39 % | Q4 FY25-26 / FY25-26 |
| net yield (annualized) | 6.00 % | 7.39 % | Q4 FY25-26 / FY25-26 |
| earnings per share(size) | 1.52 ₹ | -0.93 ₹ | Q4 FY25-26 |
| net earning ratio | 5.8 % | -22.0 % | Q4 FY25-26 |
| book value per share(size) | 50.20 ₹ | 14.75 ₹ | Q4 FY25-26 |
| solvency ratio | 1.97 × | 2.84 × | Q4 FY24-25 / Q1 FY26-27 |
| claims repudiation ratio | 1.76 % | 3.79 % | FY24-25 |
| claim settlement ratio | 91.3 % | 80.2 % | FY24-25 / Q3 FY25-26 |
| gross written premium(size) | 5078 ₹ crore | 625 ₹ crore | FY25-03 / Q1 FY26-27 |
Values shown as reported. This platform does not rate or rank insurers. Source: IRDAI public disclosures.