Table 15Net Underwriting Experience - 2012-13 to 2021-22 (Overall Figures)
| Year | 2012-13 | 2013-14 | 2014-15 | 2015-16 | 2016-17 | 2017-18 | 2018-19 | 2019-20 | 2020-21 | 2021-22 |
| Net Written Premium | 55,890.16 | 64,863.56 | 71,300.23 | 81,450.16 | 94,177.57 | 1,07,410.75 | 1,20,386.40 | 1,30,187.03 | 147,038.00 | 165,513.79 |
| Net Earned Premium | 51,226.17 | 60,009.74 | 67,428.11 | 75,877.60 | 88,724.95 | 1,00,452.71 | 1,13,333.77 | 1,26,179.00 | 137,619.58 | 158,001.94 |
| Net Incurred Claims | 42,549.95 | 49,163.80 | 55,231.87 | 64,495.03 | 80,662.18 | 85,650.15 | 1,01,051.02 | 1,08,390.26 | 111,549.09 | 140,565.39 |
| Net Incurred Claims as % to NEP | 83.06% | 81.93% | 81.91% | 85.00% | 90.91% | 85.26% | 89.16% | 85.90% | 81.06% | 88.96% |
| Net Commission | 1,708.13 | 2,578.11 | 2,663.81 | 2,973.01 | 1,380.24 | 3,966.62 | 5,694.77 | 5,673.96 | 7,209.32 | 7,944.47 |
| Net Commission as % to NWP | 3.06% | 3.97% | 3.74% | 3.65% | 1.47% | 3.69% | 4.73% | 4.36% | 4.90% | 4.80% |
| Expenses of Management | 14,760.00 | 16,039.20 | 20,324.31 | 23,062.00 | 26,827.00 | 26,329.00 | 30,604.00 | 42,045.45 | 43,545.00 | 46,551.32 |
| EOM as % to NEP | 28.81% | 26.73% | 30.14% | 30.39% | 30.24% | 26.21% | 27.00% | 33.32% | 31.64% | 29.46% |
| Underwriting Surplus/(Deficit) | (7,791.90 ) | (7,771.37) | (10,791.88) | (14,652.44) | (20,144.48) | (15,493.07) | (24,016.02) | (29,930.67) | (24,683.83 ) | (37,059.24) |
| Underwriting Surplus/(Deficit) as % to NEP | -15.21% | -12.95% | -16.01% | -19.31% | -22.70% | -15.42% | -21.19% | -23.72% | -17.94% | -23.45% |
(₹ in Crores)
Source: IRDAI reports and Council Compilation