Niva Bupa Health Insurance Incurred Claims Ratio
78.8%
Q1 FY26-27
Niva Bupa Health Insurance's incurred claims ratio was 78.82% for Q1 FY26-27, as reported in IRDAI form NL-20-ANALYTICAL-RATIOS.
What this measures
Net incurred claims as a percentage of net earned premium, from IRDAI NL-20. Net incurred claims = gross claims incurred − reinsurance recoveries.
Note: NL-20 analytical ratios. Lower = better underwriting performance.
Historical Data
| Period | Value | Source form | Data as of |
|---|---|---|---|
| Q1 FY26-27 | 78.8 % | NL-20-ANALYTICAL-RATIOS | 2026-09-09 |
| Q4 FY25-26 | 56.8 % | NL-20-ANALYTICAL-RATIOS | 2026-10-31 |
| Q3 FY25-26 | 65.1 % | NL-20-ANALYTICAL-RATIOS | 2026-10-27 |
| Q2 FY25-26 | 71.2 % | NL-20-ANALYTICAL-RATIOS | 2026-10-28 |
| Q1 FY25-26 | 77.9 % | NL-20-ANALYTICAL-RATIOS | 2026-09-09 |
| FY24-25 | 61.2 % | Statement-10 | 2026-09-10 |
| Q1 FY24-25 | 64.0 % | NL-20-ANALYTICAL-RATIOS | 2026-09-09 |
| FY23-24 | 59.0 % | Statement-10 | 2026-09-10 |
| FY22-23 | 54.0 % | Statement-10 | 2026-09-10 |
| FY21-22 | 62.1 % | Statement-10 | 2026-09-10 |
| FY20-21 | 56.1 % | Statement-13 | 2026-09-10 |
| FY19-20 | 53.5 % | Statement-13 | 2026-09-10 |
Provenance
- Reported by
- Niva Bupa Health Insurance
- Regulatory form
- NL-20-ANALYTICAL-RATIOS · what this form contains
- Reporting period
- Q1 FY26-27
- Source document
- 2026-06-30.pdf · Niva Bupa Health Insurance's disclosure page
- Extracted by
- nonlife_adapter.py v1
- Last verified
- 2026-09-09
- Note
- NL-20 row-format label match: icr