Aditya Birla Health Insurance — Financial Performance
Aditya Birla Health Insurance's combined ratio was 110.0% for Q1 FY26-27, as reported in IRDAI form NL-20-ANALYTICAL-RATIOS.
Quarterly financial ratios — Q1 FY25-26 to Q1 FY26-27
| Metric | Q1 FY26-27 | Q4 FY25-26 | Q3 FY25-26 | Q2 FY25-26 | Q1 FY25-26 |
|---|---|---|---|---|---|
| incurred claims ratio | 84.0%+4.0 pts | 63.0%+3.0 pts | 81.0%+0.0 pts | 88.0%+10.0 pts | 80.0%+7.0 pts |
| net commission ratio | 8.0%−2.0 pts | 8.0%+0.0 pts | 5.0%−3.0 pts | 5.0%−4.0 pts | 10.0%−3.0 pts |
| expense ratio to gross premium | 35.0%−2.0 pts | 37.0% | 40.0% | 37.0% | 37.0% |
| combined ratio | 110.0%−1.0 pts | 87.0%−1.0 pts | 110.0%−5.0 pts | 113.0%+0.0 pts | 111.0%−1.0 pts |
| solvency ratio | 1.58×−0.27× | 1.66×−0.18× | 1.53×−0.11× | 1.77×−0.03× | 1.85×+0.13× |
| profit before tax | ₹-88 crore−144.1% | ₹222 crore | ₹-77 crore | ₹-66 crore | ₹-36 crore |
| profit after tax | ₹-88 crore−144.1% | ₹222 crore | ₹-77 crore | ₹-66 crore | ₹-36 crore |
The small figure under each number is the change from the same quarter a year earlier — in percentage points for ratios, as a percentage change for profit before/after tax. Shown only where this insurer has a filing from exactly that quarter a year ago; no figure means that comparison isn't available, not that nothing changed.
Expense ratio shown on a gross-direct-premium basis (GDP), per IRDAI's 2021 reform — not directly comparable to an insurer's net-written-premium (NWP) basis figure if quoted elsewhere. "Not disclosed" means this insurer's filing for that quarter didn't include this figure — not an estimate.
Full-year financial ratios
These are the insurer's own full-year figures, as filed with IRDAI for the whole fiscal year — not the same as adding up four quarters, since each quarter's own number above is a standalone snapshot for that quarter alone.
| Metric | FY25-26 |
|---|---|
| incurred claims ratio | 76.0% |
| net commission ratio | 7.0% |
| expense ratio to gross premium | 38.0% |
| combined ratio | 103.0% |
Provenance (combined ratio, latest quarter)
- Reported by
- Aditya Birla Health Insurance
- Regulatory form
- NL-20-ANALYTICAL-RATIOS · what this form contains
- Reporting period
- Q1 FY26-27
- Source document
- NL_Q1_FY2026-27.pdf · Aditya Birla Health Insurance's disclosure page
- Extracted by
- irw_adapter v1
- Last verified
- 2026-10-26
- Note
- NL-20 row-format label match: combined_ratio