Zuno General Insurance — Underwriting Performance
Zuno General Insurance: Health led at 30.0% of gross direct premium (₹12,044 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 | ₹21,388 lakh | 53.2% | |||||||||||||||||||||||||||
Retail segments (2)
| |||||||||||||||||||||||||||||
| Hybrid | ₹14,514 lakh | 36.1% | |||||||||||||||||||||||||||
Hybrid segments (3)
| |||||||||||||||||||||||||||||
| Commercial | ₹4,271 lakh | 10.6% | |||||||||||||||||||||||||||
Commercial segments (9)
| |||||||||||||||||||||||||||||
| Grand total | ₹40,173 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 | ₹1,482 lakh | ₹424 lakh | ₹1,118 lakh | ₹1,589.58 lakh | 3.7% |
| Marine Cargo GDP | ₹104 lakh | ₹5 lakh | ₹12 lakh | ₹50.42 lakh | 0.3% |
| Marine Hull GDP | ₹0 lakh | ₹0 lakh | Not disclosed | Not disclosed | 0.0% |
| Motor OD GDP | ₹11,217 lakh | ₹11,758 lakh | ₹9,089 lakh | ₹6,195.42 lakh | 27.9% |
| Motor TP GDP | ₹10,171 lakh | ₹13,192 lakh | ₹12,241 lakh | ₹7,072.52 lakh | 25.3% |
| Health GDP | ₹12,044 lakh | ₹7,111 lakh | ₹10,261 lakh | ₹9,205.3 lakh | 30.0% |
| Personal Accident GDP | ₹2,430 lakh | ₹380 lakh | ₹792 lakh | ₹351.52 lakh | 6.0% |
| Travel GDP | ₹40 lakh | ₹26 lakh | ₹94 lakh | ₹34.17 lakh | 0.1% |
| Workmen's Comp. GDP | ₹1 lakh | ₹0 lakh | ₹0 lakh | ₹2.73 lakh | 0.0% |
| Liability GDP | ₹91 lakh | ₹1 lakh | ₹15 lakh | ₹-0.35 lakh | 0.2% |
| Engineering GDP | ₹121 lakh | ₹90 lakh | ₹190 lakh | ₹138.68 lakh | 0.3% |
| Aviation GDP | ₹0 lakh | ₹0 lakh | Not disclosed | Not disclosed | 0.0% |
| Crop GDP | ₹0 lakh | ₹0 lakh | Not disclosed | Not disclosed | 0.0% |
| Other GDP | ₹2,472 lakh | ₹3,259 lakh | Not disclosed | Not disclosed | 6.2% |
| Total gross direct premium | ₹40,173 lakh | ₹36,246 lakh | ₹33,812 lakh | ₹24,639.99 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 | -46.0% | -38.0% |
| Marine Cargo | 903.0% | 936.0% |
| Motor OD | 80.0% | 133.0% |
| Motor TP | 53.0% | 89.0% |
| Health | 99.0% | 126.0% |
| Personal Accident | 96.0% | 124.0% |
| Travel | 199.0% | 260.0% |
| Workmen's Comp. | 56.0% | 93.0% |
| Liability | 55.0% | 77.0% |
| Engineering | 471.0% | -308.0% |
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
- Zuno General Insurance
- Regulatory form
- NL-4-PREMIUM-SCHEDULE · what this form contains
- Reporting period
- Q1 FY26-27
- Source document
- pdfs/zuno-general/NL_4_Premium_Q1_FY_2026_27_7d55b72508.pdf · Zuno General Insurance's disclosure page
- Extracted by
- irw_adapter v1
- Last verified
- 2026-10-24
- Note
- NL-4 segment GDP, for the quarter (sum=40,173 vs Grand Total=40171.0)