United India Insurance — Underwriting Performance

United India Insurance: Health led at 37.7% of gross direct premium (₹2,06,119 lakh) for Q1 FY26-27, per IRDAI form NL-4.

combined ratio, Q1 FY26-27

139.1%

+4.0 pts

incurred claims ratio, Q1 FY26-27

103.6%

−2.0 pts

net commission ratio, Q1 FY26-27

18.3%

+2.0 pts

expense ratio to gross premium, Q1 FY26-27

27.3%

+1.5 pts

Total gross direct premium, Q1 FY26-27

₹5,46,208 lakh

−0.6%

Largest segment, Q1 FY26-27

Health

37.7% of gross direct premium

Business mix by segment — Q1 FY26-27

Classification

Gross direct premium

Share of business

Retail

₹2,34,496 lakh

Retail segments (2)

Motor TP	₹1,87,028 lakh	79.8%
Motor OD	₹47,468 lakh	20.2%

Hybrid

₹2,13,916 lakh

Hybrid segments (3)

Health	₹2,06,119 lakh	96.4%
Personal Accident	₹7,681 lakh	3.6%
Travel	₹116 lakh	0.1%

Commercial

₹97,796 lakh

Commercial segments (8)

Fire	₹61,685 lakh	63.1%
Engineering	₹12,861 lakh	13.2%
Liability	₹8,837 lakh	9.0%
Marine Cargo	₹6,765 lakh	6.9%
Marine Hull	₹5,184 lakh	5.3%
Workmen's Comp.	₹1,922 lakh	2.0%
Aviation	₹542 lakh	0.6%
Crop	₹0 lakh	0.0%

Grand total

₹5,46,208 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	₹61,685 lakh	₹42,402 lakh	₹38,925 lakh	₹50,612 lakh	11.3%
Marine Cargo GDP	₹6,765 lakh	₹4,564 lakh	₹4,039 lakh	₹5,357 lakh	1.2%
Marine Hull GDP	₹5,184 lakh	₹5,667 lakh	₹3,783 lakh	₹8,825 lakh	0.9%
Motor OD GDP	₹47,468 lakh	₹45,902 lakh	₹44,519 lakh	₹48,123 lakh	8.7%
Motor TP GDP	₹1,87,028 lakh	₹1,83,699 lakh	₹1,68,535 lakh	₹1,80,304 lakh	34.2%
Health GDP	₹2,06,119 lakh	₹2,76,660 lakh	₹1,24,673 lakh	₹1,79,495 lakh	37.7%
Personal Accident GDP	₹7,681 lakh	₹12,637 lakh	₹25,320 lakh	₹17,957 lakh	1.4%
Travel GDP	₹116 lakh	₹58 lakh	₹60 lakh	₹76 lakh	0.0%
Workmen's Comp. GDP	₹1,922 lakh	₹1,761 lakh	₹1,713 lakh	₹1,771 lakh	0.4%
Liability GDP	₹8,837 lakh	₹5,463 lakh	₹3,285 lakh	₹5,417 lakh	1.6%
Engineering GDP	₹12,861 lakh	₹16,476 lakh	₹13,325 lakh	₹14,490 lakh	2.4%
Aviation GDP	₹542 lakh	₹1,114 lakh	₹548 lakh	₹962 lakh	0.1%
Crop GDP	₹0 lakh	₹-5 lakh	₹941 lakh	₹0 lakh	0.0%
Other GDP	Not disclosed	Not disclosed	Not disclosed	Not disclosed	—
Total gross direct premium	₹5,46,208 lakh	₹5,96,398 lakh	₹4,29,666 lakh	₹5,13,389 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.

Provenance (Health GDP, latest quarter)

Reported by: United India Insurance
Regulatory form: NL-4-PREMIUM-SCHEDULE · what this form contains
Reporting period: Q1 FY26-27
Source document: textplor-vendor-2026-27-Q1.xlsx · United India Insurance's disclosure page
Extracted by: EverythingInsurance Research (vendor-compiled dataset, textplor.com, offline 2026-10-26)
Last verified: 2026-10-26
Note: Vendor-aggregated dataset, not pulled directly from insurer's own public disclosure page. Gap-fill only (no existing value for this insurer/metric/period). Cross-check against insurer's own source queued separately -- see project-log/quarterly-update-runbook.md.