Navi General Insurance — Underwriting Performance
Navi General Insurance: Health led at 79.3% of gross direct premium (₹4,470 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 | ₹994 lakh | 17.6% | |||||||||
Retail segments (2)
| |||||||||||
| Hybrid | ₹4,660 lakh | 82.6% | |||||||||
Hybrid segments (3)
| |||||||||||
| Grand total | ₹5,639 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 | ₹-15 lakh | ₹-17 lakh | ₹-14 lakh | ₹-19 lakh | -0.3% |
| 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 | ₹178 lakh | ₹58 lakh | ₹13 lakh | ₹0 lakh | 3.2% |
| Motor TP GDP | ₹816 lakh | ₹1,311 lakh | ₹413 lakh | ₹28 lakh | 14.5% |
| Health GDP | ₹4,470 lakh | ₹1,929 lakh | ₹1,865 lakh | ₹1,877 lakh | 79.3% |
| Personal Accident GDP | ₹190 lakh | ₹2,193 lakh | ₹1,059 lakh | ₹118 lakh | 3.4% |
| Travel GDP | ₹0 lakh | ₹0 lakh | ₹0 lakh | ₹0 lakh | 0.0% |
| Workmen's Comp. GDP | ₹0 lakh | ₹0 lakh | ₹0 lakh | ₹0 lakh | 0.0% |
| Liability GDP | ₹0 lakh | ₹0 lakh | ₹0 lakh | ₹0 lakh | 0.0% |
| 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 | Not disclosed | Not disclosed | Not disclosed | Not disclosed | — |
| Total gross direct premium | ₹5,639 lakh | ₹5,474 lakh | ₹3,336 lakh | ₹2,004 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 | 1.0% | 8.0% |
| Motor OD | -739.0% | -692.0% |
| Motor TP | 116.0% | 185.0% |
| Health | 109.0% | 140.0% |
| Personal Accident | 8.0% | 38.0% |
| Engineering | 0.0% | -38.0% |
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
- Navi General Insurance
- Regulatory form
- NL-4-PREMIUM-SCHEDULE · what this form contains
- Reporting period
- Q1 FY26-27
- Source document
- pdfs/navi-general/2026-2027_Apr-Jun.pdf · Navi General Insurance's disclosure page
- Extracted by
- irw_adapter v1
- Last verified
- 2026-10-25
- Note
- NL-4 segment GDP, for the quarter (sum=5,639 vs Grand Total=5639.0)