Oriental Insurance Company — Underwriting Performance
Oriental Insurance Company: Personal Accident led at 35.2% of gross direct premium (₹2,20,939 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 | ₹89,106 lakh | 14.2% | |||||||||||||||||||||||||||
Retail segments (2)
| |||||||||||||||||||||||||||||
| Hybrid | ₹4,41,118 lakh | 70.2% | |||||||||||||||||||||||||||
Hybrid segments (3)
| |||||||||||||||||||||||||||||
| Commercial | ₹97,948 lakh | 15.6% | |||||||||||||||||||||||||||
Commercial segments (9)
| |||||||||||||||||||||||||||||
| Grand total | ₹6,28,172 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 | ₹44,889 lakh | ₹27,146 lakh | ₹35,202 lakh | ₹52,146 lakh | 7.1% |
| Marine Cargo GDP | ₹11,763 lakh | ₹6,111 lakh | ₹5,969 lakh | ₹6,243 lakh | 1.9% |
| Marine Hull GDP | ₹8,707 lakh | ₹4,864 lakh | ₹5,323 lakh | ₹7,124 lakh | 1.4% |
| Motor OD GDP | ₹28,024 lakh | ₹33,009 lakh | ₹40,461 lakh | ₹33,102 lakh | 4.5% |
| Motor TP GDP | ₹61,082 lakh | ₹79,039 lakh | ₹80,515 lakh | ₹69,829 lakh | 9.7% |
| Health GDP | ₹2,20,179 lakh | ₹2,24,183 lakh | ₹2,04,844 lakh | ₹1,99,345 lakh | 35.1% |
| Personal Accident GDP | ₹2,20,939 lakh | ₹15,834 lakh | ₹93,914 lakh | ₹1,52,969 lakh | 35.2% |
| Travel GDP | ₹0 lakh | ₹0 lakh | ₹0 lakh | ₹0 lakh | 0.0% |
| Workmen's Comp. GDP | ₹1,417 lakh | ₹1,152 lakh | ₹1,315 lakh | ₹1,298 lakh | 0.2% |
| Liability GDP | ₹2,838 lakh | ₹4,055 lakh | ₹2,009 lakh | ₹2,248 lakh | 0.5% |
| Engineering GDP | ₹11,513 lakh | ₹16,723 lakh | ₹11,701 lakh | ₹11,963 lakh | 1.8% |
| Aviation GDP | ₹3,844 lakh | ₹6,680 lakh | ₹3,955 lakh | ₹6,799 lakh | 0.6% |
| Crop GDP | ₹34 lakh | ₹10,762 lakh | ₹20,712 lakh | ₹1,091 lakh | 0.0% |
| Other GDP | ₹12,943 lakh | ₹6,384 lakh | ₹10,821 lakh | ₹6,709 lakh | 2.1% |
| Total gross direct premium | ₹6,28,172 lakh | ₹4,35,942 lakh | ₹5,16,741 lakh | ₹5,50,866 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 | 95.6% | 145.6% |
| Marine Cargo | 61.8% | 83.6% |
| Marine Hull | 70.7% | 89.0% |
| Motor OD | 116.5% | 141.4% |
| Motor TP | 168.5% | 198.5% |
| Health | 95.5% | 109.6% |
| Personal Accident | 72.5% | 88.2% |
| Travel | 0.0% | 0.0% |
| Workmen's Comp. | 67.3% | 91.0% |
| Liability | 19.7% | 41.6% |
| Engineering | 56.8% | 74.9% |
| Aviation | 135.6% | 162.7% |
| Crop | 179.0% | 233.8% |
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 (Personal Accident GDP, latest quarter)
- Reported by
- Oriental Insurance Company
- Regulatory form
- NL-4-PREMIUM-SCHEDULE · what this form contains
- Reporting period
- Q1 FY26-27
- Source document
- pdfs/oriental-insurance/nl_4_700020aca0.pdf · Oriental Insurance Company's disclosure page
- Extracted by
- irw_adapter v1
- Last verified
- 2026-10-24
- Note
- NL-4 segment GDP, for the quarter (sum=628,172 vs Grand Total=628172.0)