Tata AIG General Insurance — Underwriting Performance
Tata AIG General Insurance: Health led at 28.6% of gross direct premium (₹1,84,202 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 | ₹2,54,608 lakh | 39.5% | |||||||||||||||||||||||||||
Retail segments (2)
| |||||||||||||||||||||||||||||
| Hybrid | ₹2,06,252 lakh | 32.0% | |||||||||||||||||||||||||||
Hybrid segments (3)
| |||||||||||||||||||||||||||||
| Commercial | ₹1,83,456 lakh | 28.5% | |||||||||||||||||||||||||||
Commercial segments (9)
| |||||||||||||||||||||||||||||
| Grand total | ₹6,44,316 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 | ₹76,072 lakh | ₹30,502 lakh | ₹31,991 lakh | ₹54,558 lakh | 11.8% |
| Marine Cargo GDP | ₹25,413 lakh | ₹18,441 lakh | ₹17,054 lakh | ₹17,410 lakh | 3.9% |
| Marine Hull GDP | ₹588 lakh | ₹489 lakh | ₹5,222 lakh | ₹1,111 lakh | 0.1% |
| Motor OD GDP | ₹1,23,579 lakh | ₹1,25,528 lakh | ₹1,31,618 lakh | ₹1,03,600 lakh | 19.2% |
| Motor TP GDP | ₹1,31,029 lakh | ₹1,44,525 lakh | ₹1,53,619 lakh | ₹1,13,785 lakh | 20.3% |
| Health GDP | ₹1,84,202 lakh | ₹1,18,069 lakh | ₹96,508 lakh | ₹84,921 lakh | 28.6% |
| Personal Accident GDP | ₹6,838 lakh | ₹6,792 lakh | ₹5,445 lakh | ₹5,833 lakh | 1.1% |
| Travel GDP | ₹15,212 lakh | ₹10,998 lakh | ₹11,421 lakh | ₹15,306 lakh | 2.4% |
| Workmen's Comp. GDP | ₹2,435 lakh | ₹2,353 lakh | ₹2,006 lakh | ₹2,195 lakh | 0.4% |
| Liability GDP | ₹33,611 lakh | ₹10,631 lakh | ₹20,916 lakh | ₹16,806 lakh | 5.2% |
| Engineering GDP | ₹15,485 lakh | ₹11,713 lakh | ₹10,041 lakh | ₹10,787 lakh | 2.4% |
| Aviation GDP | ₹9,368 lakh | ₹3,764 lakh | ₹4,420 lakh | ₹4,007 lakh | 1.5% |
| Crop GDP | ₹5 lakh | ₹1,477 lakh | ₹11,444 lakh | ₹33,059 lakh | 0.0% |
| Other GDP | ₹20,479 lakh | Not disclosed | Not disclosed | Not disclosed | 3.2% |
| Total gross direct premium | ₹6,44,316 lakh | ₹4,85,282 lakh | ₹5,01,705 lakh | ₹4,63,378 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 | 60.0% | 79.0% |
| Marine Cargo | 121.0% | 147.0% |
| Marine Hull | 100.0% | -501.0% |
| Motor OD | 89.0% | 138.0% |
| Motor TP | 59.0% | 115.0% |
| Health | 82.0% | 101.0% |
| Personal Accident | 60.0% | 83.0% |
| Travel | 48.0% | 99.0% |
| Workmen's Comp. | 50.0% | 86.0% |
| Liability | 113.0% | 68.0% |
| Engineering | 173.0% | 171.0% |
| Aviation | 32150.0% | 32275.0% |
| Crop | 128.0% | -570.0% |
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
- Tata AIG General Insurance
- Regulatory form
- NL-4-PREMIUM-SCHEDULE · what this form contains
- Reporting period
- Q1 FY26-27
- Source document
- pdfs/tata-aig/NL-4.pdf · Tata AIG General Insurance's disclosure page
- Extracted by
- irw_adapter v1
- Last verified
- 2026-10-26
- Note
- NL-4 segment GDP, for the quarter (sum=644,316 vs Grand Total=655865.0)