ICICI Lombard General Insurance — Revenue Mix & Quality of Business
ICICI Lombard General Insurance's revenue mix was led by Health at 39.1% of gross direct premium for Q1 FY26-27, as reported in IRDAI form NL-4.
combined ratio, Q1 FY26-27
107.2%
+4.3 pts
incurred claims ratio, Q1 FY26-27
76.4%
+3.4 pts
net commission ratio, Q1 FY26-27
18.9%
+2.1 pts
expense ratio to gross premium, Q1 FY26-27
28.8%
+1.0 pts
Total gross direct premium, Q1 FY26-27
₹8,23,471 lakh
+12.7%
Largest line, Q1 FY26-27
Health
39.1% of gross direct premium
Revenue mix — % of gross direct premium by segment, Q2 FY25-26 to Q1 FY26-27
Segment
Q1 FY26-27
Q4 FY25-26
Q3 FY25-26
Q2 FY25-26
FY25-26
Fire
12.1%
8.4%
9.6%
10.7%
12.5%
Marine
4.4%
3.2%
2.8%
2.7%
3.3%
Marine segments (2)
Line
Q1 FY26-27
FY25-26
Marine Cargo
₹32,076 lakh
₹79,002 lakh
Marine Hull
₹4,343 lakh
₹11,979 lakh
Motor
33.8%
45.5%
50.6%
38.3%
42.3%
Motor segments (2)
Line
Q1 FY26-27
FY25-26
Motor OD
₹1,40,228 lakh
₹5,81,964 lakh
Motor TP
₹1,38,383 lakh
₹5,73,236 lakh
Health
39.1%
37.0%
30.4%
28.0%
33.2%
Health segments (3)
Line
Q1 FY26-27
FY25-26
Health
₹2,97,384 lakh
₹8,34,069 lakh
Personal Accident
₹16,238 lakh
₹45,892 lakh
Travel
₹8,634 lakh
₹27,659 lakh
Other lines
10.5%
5.9%
6.5%
20.3%
8.7%
Other lines segments (6)
Line
Q1 FY26-27
FY25-26
Other
₹38,788 lakh
—
Engineering
₹33,811 lakh
₹1,17,882 lakh
Workmen's Comp.
₹5,639 lakh
₹20,973 lakh
Liability
₹3,592 lakh
₹11,828 lakh
Aviation
₹2,806 lakh
₹15,770 lakh
Crop
₹1,830 lakh
₹71,426 lakh
% of gross direct premium per IRDAI Form NL-4 (Premium Schedule); FY columns sum all four quarters' "for the quarter" figures and only appear for fiscal years where all four quarters are available — an incomplete year isn't shown as an annual total. Health includes Personal Accident and Travel; click a line with more than one segment to see its own breakdown (latest quarter and latest complete fiscal year only — quarterly splits for lines this small are noisy to trend). The tiles above are company-wide ratios, as filed — not segment-specific; segment-level incurred claims ratio for the largest lines (IRDAI Forms NL-5 / NL-20 segmental) hasn't been extracted for this insurer yet, so it isn't shown here rather than estimated. SeeUnderwriting Performance for the full per-segment history.