Reliance General Insurance — Underwriting Performance
Reliance General Insurance: Health led at 37.5% of gross direct premium (₹1,10,935 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 | ₹91,666 lakh | 31.0% | |||||||||||||||||||||||||||
Retail segments (2)
| |||||||||||||||||||||||||||||
| Hybrid | ₹1,20,733 lakh | 40.9% | |||||||||||||||||||||||||||
Hybrid segments (3)
| |||||||||||||||||||||||||||||
| Commercial | ₹83,110 lakh | 28.1% | |||||||||||||||||||||||||||
Commercial segments (9)
| |||||||||||||||||||||||||||||
| Grand total | ₹2,95,509 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 | ₹42,132 lakh | ₹8,818 lakh | ₹19,184 lakh | ₹23,293 lakh | 14.3% |
| Marine Cargo GDP | ₹6,348 lakh | ₹1,607 lakh | ₹3,552 lakh | ₹3,285 lakh | 2.1% |
| Marine Hull GDP | ₹10 lakh | ₹0 lakh | ₹1,140 lakh | ₹5 lakh | 0.0% |
| Motor OD GDP | ₹46,620 lakh | ₹55,515 lakh | ₹72,070 lakh | ₹57,335 lakh | 15.8% |
| Motor TP GDP | ₹45,046 lakh | ₹61,956 lakh | ₹72,740 lakh | ₹57,220 lakh | 15.2% |
| Health GDP | ₹1,10,935 lakh | ₹37,419 lakh | ₹38,647 lakh | ₹61,068 lakh | 37.5% |
| Personal Accident GDP | ₹5,532 lakh | ₹8,567 lakh | ₹10,335 lakh | ₹11,819 lakh | 1.9% |
| Travel GDP | ₹4,266 lakh | ₹3,215 lakh | ₹4,946 lakh | ₹4,819 lakh | 1.4% |
| Workmen's Comp. GDP | ₹599 lakh | ₹366 lakh | ₹356 lakh | ₹604 lakh | 0.2% |
| Liability GDP | ₹2,398 lakh | ₹570 lakh | ₹1,806 lakh | ₹1,502 lakh | 0.8% |
| Engineering GDP | ₹13,739 lakh | ₹4,957 lakh | ₹13,167 lakh | ₹10,351 lakh | 4.6% |
| Aviation GDP | ₹50 lakh | ₹57 lakh | ₹57 lakh | ₹56 lakh | 0.0% |
| Crop GDP | ₹14,565 lakh | ₹61,920 lakh | ₹41,360 lakh | ₹1,25,059 lakh | 4.9% |
| Other GDP | ₹3,269 lakh | Not disclosed | ₹2,084 lakh | ₹1,845 lakh | 1.1% |
| Total gross direct premium | ₹2,95,509 lakh | ₹2,44,967 lakh | ₹2,81,444 lakh | ₹3,58,261 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 | 102.0% | 105.3% |
| Marine Cargo | 133.4% | 160.4% |
| Marine Hull | 120.0% | 128.5% |
| Motor OD | 72.0% | 141.2% |
| Motor TP | 106.9% | 173.6% |
| Health | 90.2% | 106.0% |
| Personal Accident | 55.0% | 75.3% |
| Travel | 32.4% | 117.6% |
| Workmen's Comp. | 268.4% | 293.2% |
| Liability | 105.5% | 149.5% |
| Engineering | 76.2% | 93.6% |
| Aviation | -131.4% | -120.9% |
| Crop | 39.1% | 67.5% |
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
- Reliance General Insurance
- Regulatory form
- NL-4-PREMIUM-SCHEDULE · what this form contains
- Reporting period
- Q1 FY26-27
- Source document
- pdfs/reliance-general/nl-4-premium-q1-26-27.pdf · Reliance General Insurance's disclosure page
- Extracted by
- irw_adapter v1
- Last verified
- 2026-10-24
- Note
- NL-4 segment GDP, for the quarter (sum=295,509 vs Grand Total=295509.0)