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Section 06: NAT CAT – Analysis of catastrophic claims
Table of Contents
Introduction
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The Indian Non-Life Insurance Industry
Executive Committee Members of the General Insurance Council (as of 31st March 2024)
General Insurance Council
Executive Summary
Part 01: Indian Non-Life Insurance Industry Analysis
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Section 01: Macro-Economic & Insurance Indicators
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1.1 – Indian Economy Indicators
1.2 – Insurance Penetration
1.3 – Insurance Density in ₹ (Gross Direct Premium / Population)
Section 02: Statewise Penetration & Density
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2.1 – Statewise Snapshot – GDPI, Economic Indicators
2.2 – Statewise Penetration & Density
2.3 – Heatmaps
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2.3.1 – Change in Property Premium Heatmap between 2012-13 and 2021-22
2.3.2 – Change in Motor Premium Heatmap between 2012-13 and 2021-22
2.3.3 – Change in Health Premium Heatmap between 2012-13 and 2021-22
2.3.4 – Change in Other Insurance Premium Heatmap between 2012-13 and 2021-22
2.3.5 – Change in GDPI Heatmap between 2020-21 and 2021-22
2.3.6 – Change in GDPI Heatmap between 2011-12 and 2021-22
2.3.7 – Amount of Claims Reported 2021-22
2.3.8 – Number of Claims Reported 2021-22
2.3.9 – Insurance Penetration Heatmap 2020-21 & 2021-22
Section 03: Industry Business Highlights
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3.1 – Industry Business Highlights
3.2 – Industry Business Dimensions
3.3 – Distribution Channels
3.4 – Premium
3.5 – Commission
3.6 – Expenses Management
3.7 – Claims
3.8 – Underwriting Surplus / Deficit
3.9 – Investment Income & Investments
3.10 – Investment Income – Shareholders Funds
3.11 – Profits
3.12 – Investment Portfolio
3.13 – Profits after & before Tax
3.14 – Equity Share Capital
3.15 – Technical Reserves
3.16 – Return on Capital Employed (RoCE)
Section 04: Segmentwise Business Highlights
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4.1 – GDPI & Policies
4.2 – Rural Premium
4.3 – Motor Own Damage
4.4 – Motor Third Party
4.5 – Health & Accident
4.6 – Property (Fire + Engineering)
4.7 – Marine & Aviation
4.8 – Liability
4.9 – Crop and Weather related Insurances
4.10 – Export Credit
4.11 – Other Miscellaneous
4.12 – Ageing Analysis – Paid Claims
Section 05: Reinsurance
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5.1 – Reinsurance
5.2 – Net Retention Ratios and Capital Leverage
5.3 – Reinsurers in India
5.4 – LOB wise Business Retrocession
Section 06: Analysis of Nat Cat Claims
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Setup for Data Analysis
6.1 – Statewise Districtwise claims for Biparjoy
6.2 – Statewise Districtwise claims for Michuang
Annexures
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Table 1: Investment Portfolio of Non-Life Insurance Industry
Table 2: Capital Employed by Type of Company
Table 3: Channelwise GDPI
Table 4: Statewise Classwise GDPI
Table 5: Statewise Number of offices, GDPI, Population, Literacy and State Domestic Product
Table 6: Non-Life Insurance Industry Data
Table 7: Gross Written Premium
Table 8: Gross incurred Claim Ratios (within India and abroad)
Table 9: Gross Commission Ratios (within India and Abroad)
Table 10: Net Retention Ratios (defined as Net Written premium divided by Gross Written Premium)
Table 11: Net Earned Premium Income
Table 12: Net Incurred Claim Ratios (defined as Net Incurred Claims divided by Net Earned Premium)
Table 13: Net Commission Ratios (defined as Net Commission to Net Written Premium)
Table 14: Gross Underwriting Experience – Industry 2014-15 To 2023-24(Overall Figures)
Table 15: Net Underwriting Experience – Industry 2014-15 To 2023-24(Overall Figures)
Table 16: Reinsurers Premium Statement as of 31st March 2023
Caveat
Index
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