Acko General Insurance — Underwriting Performance
Acko General Insurance: Health led at 50.2% of gross direct premium (₹37,617 lakh) for Q1 FY26-27, per IRDAI form NL-4.
Business mix by segment — Q1 FY26-27
| Classification | Gross direct premium | Share of business | |||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Retail | ₹28,513 lakh | 38.1% | |||||||||||||||||||||||||||
Retail segments (2)
| |||||||||||||||||||||||||||||
| Hybrid | ₹40,100 lakh | 53.5% | |||||||||||||||||||||||||||
Hybrid segments (3)
| |||||||||||||||||||||||||||||
| Commercial | ₹6,316 lakh | 8.4% | |||||||||||||||||||||||||||
Commercial segments (9)
| |||||||||||||||||||||||||||||
| Grand total | ₹74,929 lakh | 100% | |||||||||||||||||||||||||||
Retail/Hybrid/Commercial is this site's own classification of IRDAI's filed segments, not an IRDAI-defined category — click through to the full per-segment breakdown below for the underlying filed detail, or the combined ratio & ICR by segment table further down for each segment's own profitability ratios.
Gross direct premium by segment — full detail, Q2 FY25-26 to Q1 FY26-27
| Segment | Q1 FY26-27 | Q4 FY25-26 | Q3 FY25-26 | Q2 FY25-26 | % of total, Q1 FY26-27 |
|---|---|---|---|---|---|
| Fire GDP | ₹74 lakh | ₹7 lakh | ₹1 lakh | ₹1 lakh | 0.1% |
| Marine Cargo GDP | ₹0 lakh | ₹0 lakh | ₹0 lakh | ₹0 lakh | 0.0% |
| Marine Hull GDP | ₹0 lakh | ₹0 lakh | ₹0 lakh | ₹0 lakh | 0.0% |
| Motor OD GDP | ₹11,794 lakh | ₹13,218 lakh | ₹14,890 lakh | ₹11,249 lakh | 15.7% |
| Motor TP GDP | ₹16,719 lakh | ₹18,918 lakh | ₹20,376 lakh | ₹16,024 lakh | 22.3% |
| Health GDP | ₹37,617 lakh | ₹29,772 lakh | ₹32,717 lakh | ₹30,219 lakh | 50.2% |
| Personal Accident GDP | ₹504 lakh | ₹271 lakh | ₹323 lakh | ₹322 lakh | 0.7% |
| Travel GDP | ₹1,979 lakh | ₹1,995 lakh | ₹1,960 lakh | ₹1,347 lakh | 2.6% |
| Workmen's Comp. GDP | ₹0 lakh | ₹0 lakh | ₹0 lakh | ₹0 lakh | 0.0% |
| Liability GDP | ₹1,727 lakh | ₹1,212 lakh | ₹1,233 lakh | ₹913 lakh | 2.3% |
| Engineering GDP | ₹0 lakh | ₹0 lakh | ₹0 lakh | ₹0 lakh | 0.0% |
| Aviation GDP | ₹0 lakh | ₹0 lakh | ₹0 lakh | ₹0 lakh | 0.0% |
| Crop GDP | ₹0 lakh | ₹0 lakh | ₹0 lakh | ₹0 lakh | 0.0% |
| Other GDP | ₹4,515 lakh | ₹4,595 lakh | ₹2,502 lakh | ₹2,092 lakh | 6.0% |
| Total gross direct premium | ₹74,929 lakh | ₹69,988 lakh | ₹74,002 lakh | ₹62,167 lakh | 100% |
Gross direct premium (not net earned premium) per IRDAI Form NL-4 (Premium Schedule), "for the quarter" column — these are standalone quarterly amounts, not running year-to-date totals. Segment-level net incurred claims in absolute rupees aren't shown here: IRDAI's segment-level claims filing (Form NL-5) hasn't been extracted for this insurer yet — see the combined ratio & ICR table below for the ratio form of this, sourced from NL-20.
Combined ratio & ICR by segment — Q1 FY26-27
| Segment | ICR | Combined ratio |
|---|---|---|
| Fire | 47.7% | 54.9% |
| Motor OD | 127.0% | 164.0% |
| Motor TP | 59.0% | 98.0% |
| Personal Accident | 36.0% | 67.0% |
| Travel | 30.0% | 48.0% |
| Liability | 92.0% | 94.0% |
Per IRDAI Form NL-20 (Analytical Ratios Schedule)'s own segmental breakdown, latest quarter only — this granularity isn't reliably available as a multi-quarter trend across insurers. Combined ratio here can legitimately differ from a simple "ICR + expense" sum when a segment's own expense-to-net-written-premium ratio is unusually negative or positive for the quarter — reported exactly as filed, not recalculated.
Provenance (Health GDP, latest quarter)
- Reported by
- Acko General Insurance
- Regulatory form
- NL-4-PREMIUM-SCHEDULE · what this form contains
- Reporting period
- Q1 FY26-27
- Source document
- pdfs/acko-general/Public_Disclosure_Q1_2026_27_1_a86ea579b6.pdf · Acko General Insurance's disclosure page
- Extracted by
- irw_adapter v1
- Last verified
- 2026-10-24
- Note
- NL-4 segment GDP, for the quarter (sum=74,929 vs Grand Total=74929.0)