Travel Combined Ratio in Indian Insurance

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Definition

Segment-level combined ratio for Travel, from IRDAI Form NL-20's own segmental analytical-ratios table (not the company-wide NL-20 figure). Below 100% = underwriting profitability for this segment specifically.

Note: IRDAI Form NL-20 (Analytical Ratios Schedule), segmental breakdown page, 'Current Period' row for this segment.

Source form: NL-20 ·Source documents

Lowest to Highest

Latest available value per insurer — Q1 FY26-27

#	Insurer	Travel Combined Ratio (%)	Period
1	Raheja QBE General Insurance	0.0	Q1 FY26-27
2	Oriental Insurance Company	0.0	Q1 FY26-27
3	Chola MS General Insurance	22.4	Q1 FY26-27
4	Shriram General Insurance	45.9	Q1 FY26-27
5	Acko General Insurance	48.0	Q1 FY26-27
6	ManipalCigna Health Insurance	71.0	Q1 FY26-27
7	Royal Sundaram General Insurance	72.0	Q1 FY26-27
8	Care Health Insurance	78.0	Q1 FY26-27
9	Liberty General Insurance	88.0	Q1 FY26-27
10	Niva Bupa Health Insurance	89.1	Q1 FY26-27
11	Star Health Insurance	95.4	Q1 FY26-27
12	Tata AIG General Insurance	99.0	Q1 FY26-27
13	SBI General Insurance	103.9	Q1 FY26-27
14	HDFC ERGO General Insurance	107.0	Q1 FY26-27
15	ICICI Lombard General Insurance	107.5	Q1 FY26-27
16	Digit General Insurance	112.8	Q1 FY26-27
17	Reliance General Insurance	117.6	Q1 FY26-27
18	Bajaj Allianz General Insurance	145.8	Q1 FY26-27
19	Generali Central Insurance (formerly Future Generali)	162.0	Q1 FY26-27
20	Universal Sompo General Insurance	169.0	Q1 FY26-27
21	Zurich Kotak General Insurance	222.0	Q1 FY26-27
22	Zuno General Insurance	260.0	Q1 FY26-27
23	IFFCO Tokio General Insurance	260.6	Q1 FY26-27
24	Aditya Birla Health Insurance	280.0	Q1 FY26-27

Source: IRDAI public disclosures (NL-20). Click an insurer name for full provenance and historical data.
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