Personal Accident Incurred Claims Ratio in Indian Insurance

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Definition

Segment-level net incurred claims ratio for Personal Accident, from IRDAI Form NL-20's own segmental analytical-ratios table (not the company-wide NL-20 figure).

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 (periods range from Q4 FY25-26 – Q1 FY26-27 — see the Period column for each insurer's actual reporting date)

#	Insurer	Personal Accident Incurred Claims Ratio (%)	Period
1	Raheja QBE General Insurance	-29.0	Q1 FY26-27
2	Navi General Insurance	8.0	Q1 FY26-27
3	Shriram General Insurance	15.8	Q1 FY26-27
4	Galaxy Health Insurance	18.8	Q1 FY26-27
5	Chola MS General Insurance	28.0	Q1 FY26-27
6	Kshema General Insurance	31.0	Q1 FY26-27
7	Zurich Kotak General Insurance	33.0	Q1 FY26-27
8	Acko General Insurance	36.0	Q1 FY26-27
9	Niva Bupa Health Insurance	39.6	Q1 FY26-27
10	HDFC ERGO General Insurance	39.8	Q1 FY26-27
11	ManipalCigna Health Insurance	40.0	Q1 FY26-27
12	SBI General Insurance	42.9	Q1 FY26-27
13	Bajaj Allianz General Insurance	51.0	Q1 FY26-27
14	ICICI Lombard General Insurance	55.0	Q1 FY26-27
15	Reliance General Insurance	55.0	Q1 FY26-27
16	Star Health Insurance	56.1	Q1 FY26-27
17	Tata AIG General Insurance	60.0	Q1 FY26-27
18	Aditya Birla Health Insurance	60.0	Q1 FY26-27
19	National Insurance Company	60.1	Q1 FY26-27
20	Care Health Insurance	66.0	Q1 FY26-27
21	Royal Sundaram General Insurance	70.5	Q1 FY26-27
22	Oriental Insurance Company	72.5	Q1 FY26-27
23	Universal Sompo General Insurance	74.3	Q1 FY26-27
24	Magma General Insurance	79.1	Q1 FY26-27
25	IFFCO Tokio General Insurance	82.3	Q1 FY26-27
26	Digit General Insurance	83.2	Q1 FY26-27
27	Generali Central Insurance (formerly Future Generali)	90.0	Q1 FY26-27
28	Zuno General Insurance	96.0	Q1 FY26-27
29	United India Insurance	116.6	Q4 FY25-26
30	Liberty General Insurance	120.0	Q1 FY26-27
31	New India Assurance	127.3	Q1 FY26-27

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