Table 9GROSS COMMISSION RATIOS (within India and Abroad)
OVERALL | Year | 2006-07 | 2007-08 | 2008-09 | 2009-10 | 2010-11 | 2011-12 | 2012-13 | 2013-14 | 2014-15 | 2015-16 | 2016-17 | 2017-18 | 2018-19 |
| Fire | 6.1% | 7.1% | 6.5% | 6.6% | 6.3% | 6.5% | 6.6% | 7.3% | 7.6% | 8.5% | 7.9% | 9.4% | 11.7% |
| Engg. | 5.3% | 6.2% | 5.9% | 5.9% | 6.2% | 6.6% | 6.3% | 6.6% | 6.5% | 6.6% | 7.4% | 8.7% | 10.2% |
| Marine Cargo | 11.1% | 13.0% | 12.0% | 11.1% | 11.1% | 10.4% | 11.4% | 11.2% | 11.3% | 10.1% | 11.0% | 11.9% | 12.8% |
| Marine Hull | 1.5% | 1.9% | 1.8% | 1.7% | 1.8% | 3.7% | 2.4% | 2.6% | 2.4% | 2.1% | 2.9% | 3.5% | 4.0% |
| Motor OD | 9.1% | 8.6% | 9.2% | 8.5% | 7.2% | 7.2% | 8.1% | 8.3% | 7.6% | 7.7% | 7.8% | 14.9% | 18.2% |
| Motor TP | 4.3% | 1.2% | 1.0% | 1.4% | 0.2% | 0.1% | 0.1% | 0.0% | 0.0% | 0.1% | 0.1% | 0.5% | 1.2% |
| Aviation | 0.3% | 1.1% | 1.4% | 2.2% | 2.4% | 2.1% | 2.1% | 2.8% | 2.5% | 3.4% | 3.5% | 5.3% | 5.7% |
| Health | 10.8% | 10.1% | 9.4% | 7.8% | 6.7% | 6.9% | 6.5% | 7.2% | 8.6% | 7.7% | 7.6% | 8.1% | 8.0% |
| Personal accident | 10.4% | 10.1% | 10.5% | 10.6% | 10.3% | 10.1% | 9.8% | 9.8% | 10.4% | 10.0% | 8.6% | 8.6% | 8.2% |
| Liability | 13.9% | 13.4% | 12.4% | 11.7% | 11.1% | 10.8% | 10.8% | 11.6% | 12.2% | 11.4% | 10.7% | 11.6% | 12.0% |
| Other Misc. | 7.6% | 6.8% | 7.4% | 6.0% | 4.8% | 5.1% | 4.5% | 4.7% | 4.0% | 3.8% | 2.0% | 2.7% | 1.9% |
| TOTAL | 7.6% | 6.9% | 6.8% | 6.3% | 5.5% | 5.3% | 5.7% | 5.9% | 6.0% | 5.9% | 5.1% | 6.9% | 7.4% |
GENERAL INSURERS | Year | 2006-07 | 2007-08 | 2008-09 | 2009-10 | 2010-11 | 2011-12 | 2012-13 | 2013-14 | 2014-15 | 2015-16 | 2016-17 | 2017-18 | 2018-19 |
| Fire | 6.1% | 7.1% | 6.5% | 6.6% | 6.3% | 6.5% | 6.6% | 7.3% | 7.6% | 8.5% | 7.9% | 9.4% | 11.7% |
| Engg. | 5.3% | 6.2% | 5.9% | 5.9% | 6.2% | 6.6% | 6.3% | 6.6% | 6.5% | 6.6% | 7.4% | 8.7% | 10.2% |
| Marine Cargo | 11.1% | 13.0% | 12.0% | 11.1% | 11.1% | 10.4% | 11.4% | 11.2% | 11.3% | 10.1% | 11.0% | 11.9% | 12.8% |
| Marine Hull | 1.5% | 1.9% | 1.8% | 1.7% | 1.8% | 3.7% | 2.4% | 2.6% | 2.4% | 2.1% | 2.9% | 3.5% | 4.0% |
| Motor OD | 9.1% | 8.6% | 9.2% | 8.5% | 7.2% | 7.2% | 8.1% | 8.3% | 7.6% | 7.7% | 7.8% | 14.9% | 18.2% |
| Motor TP | 4.3% | 1.2% | 1.0% | 1.4% | 0.2% | 0.1% | 0.1% | 0.0% | 0.0% | 0.1% | 0.1% | 0.5% | 1.2% |
| Aviation | 0.3% | 1.1% | 1.4% | 2.2% | 2.4% | 2.1% | 2.1% | 2.8% | 2.5% | 3.4% | 3.5% | 5.3% | 5.7% |
| Health | 10.8% | 10.4% | 9.9% | 8.5% | 7.1% | 7.0% | 6.2% | 6.8% | 7.5% | 7.0% | 6.7% | 7.1% | 6.6% |
| Personal accident | 10.6% | 10.3% | 10.7% | 10.7% | 10.4% | 10.2% | 9.8% | 9.7% | 10.3% | 10.0% | 8.4% | 8.3% | 7.9% |
| Liability | 13.9% | 13.4% | 12.4% | 11.7% | 11.1% | 10.8% | 10.8% | 11.6% | 12.2% | 11.4% | 10.7% | 11.6% | 12.0% |
| Other Misc. | 11.2% | 11.1% | 12.0% | 10.6% | 8.2% | 8.9% | 8.1% | 8.1% | 6.1% | 6.5% | 2.8% | 3.7% | 2.4% |
| TOTAL | 8.0% | 7.2% | 7.2% | 6.8% | 5.8% | 5.5% | 5.9% | 6.1% | 5.9% | 5.9% | 5.2% | 7.0% | 7.4% |
STANDALONE HEALTH INSURERS | Year | 2006-07 | 2007-08 | 2008-09 | 2009-10 | 2010-11 | 2011-12 | 2012-13 | 2013-14 | 2014-15 | 2015-16 | 2016-17 | 2017-18 | 2018-19 |
| Health | 1.2% | 1.6% | 2.9% | 2.8% | 4.0% | 5.9% | 8.9% | 10.1% | 15.6% | 11.4% | 11.6% | 11.9% | 12.6% |
| Personal accident | 1.1% | 1.3% | 3.1% | 5.7% | 4.7% | 6.0% | 8.7% | 12.2% | 11.2% | 10.4% | 11.1% | 10.9% | 10.2% |
| Other Misc. | NA | NA | 0.0% | 4.9% | 6.7% | 7.4% | 7.5% | 9.0% | 8.6% | 7.0% | NA | 16.8% | NA |
| TOTAL | 1.2% | 1.5% | 2.9% | 2.9% | 4.0% | 5.9% | 8.9% | 10.2% | 15.4% | 11.3% | 11.6% | 11.9% | 12.5% |
SPECIALISED INSURERS | Year | 2006-07 | 2007-08 | 2008-09 | 2009-10 | 2010-11 | 2011-12 | 2012-13 | 2013-14 | 2014-15 | 2015-16 | 2016-17 | 2017-18 | 2018-19 |
| Other Misc. | 0.1% | 0.3% | 0.3% | 0.4% | 0.6% | 0.8% | 0.8% | 0.8% | 0.8% | 0.6% | 0.1% | 0.2% | 0.2% |
Source: IRDAI reports and Council Compilation
