Care Health Insurance — Financial Performance
Care Health Insurance's combined ratio was 111.0% 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 | 77.0%+0.0 pts | 59.0% | 75.0% | 70.0% | 77.0% |
| net commission ratio | 16.0%−1.0 pts | 21.0% | 18.0% | 20.0% | 17.0% |
| expense ratio to gross premium | 33.0%−1.0 pts | 36.0% | 36.0% | 35.0% | 34.0% |
| combined ratio | 111.0%+1.0 pts | 100.0% | 111.0% | 108.0% | 110.0% |
| solvency ratio | 1.58×−0.08× | 1.68×+0.00× | 1.70×+0.14× | 1.89×+0.30× | 1.66×+0.02× |
| profit before tax | ₹-131 crore−591.9% | ₹107 crore | ₹-112 crore | ₹42 crore | ₹-19 crore |
| profit after tax | ₹-98 crore−574.8% | ₹79 crore | ₹-84 crore | ₹32 crore | ₹-15 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 | 70.0% |
| net commission ratio | 19.0% |
| expense ratio to gross premium | 35.0% |
| combined ratio | 107.0% |
| profit before tax | ₹18 crore |
| profit after tax | ₹12 crore |
Provenance (combined ratio, latest quarter)
- Reported by
- Care Health Insurance
- Regulatory form
- NL-20-ANALYTICAL-RATIOS · what this form contains
- Reporting period
- Q1 FY26-27
- Source document
- consolidated.pdf · Care Health Insurance's disclosure page
- Extracted by
- irw_adapter v1
- Last verified
- 2026-10-28
- Note
- NL-20 row-format label match: combined_ratio