Table 9GROSS COMMISSION RATIOS (within India and Abroad)
OVERALL | Year | 2015-16 | 2016-17 | 2017-18 | 2018-19 | 2019-20 | 2020-21 | 2021-22 | 2022-23 | 2023-24 | 2024-25 |
| Fire | 8.5% | 7.9% | 9.4% | 11.7% | 11.1%
| 11.3% | 11.3% | 9.6% | 13.8% | 15.1% |
| Engg. | 6.6% | 7.4% | 8.7% | 10.2% | 10.8%
| 10.7% | 10.3% | 9.1% | 11.9% | 13.4% |
| Marine Cargo | 10.1% | 11.0% | 11.9% | 12.8% | 11.9%
| 12.7% | 13.1% | 12.4% | 15.7% | 15.9% |
| Marine Hull | 2.1% | 2.9% | 3.5% | 4.0% | 5.4%
| 3.5% | 4.1% | 3.3% | 3.3% | 3.8% |
| Motor OD | 7.7% | 7.8% | 14.9% | 18.2% | 18.7%
| 18.3% | 18.2% | 18.5% | 28.0% | 28.6% |
| Motor TP | 0.1% | 0.1% | 0.5% | 1.2% | 1.7%
| 2.0% | 1.8% | 1.9% | 15.5% | 19.7% |
| Aviation | 3.4% | 3.5% | 5.3% | 5.7% | 6.4%
| 11.4% | 4.6% | 2.6% | 5.2% | 3.5% |
| Health | 7.7% | 7.6% | 8.1% | 8.0% | 8.5%
| 9.1% | 8.5% | 8.3% | 11.3% | 12.7% |
| Personal accident | 10.0% | 8.6% | 8.6% | 8.2% | 9.3%
| 9.2% | 8.8% | 9.4% | 15.6% | 15.8% |
| Liability | 11.4% | 10.7% | 11.6% | 12.0% | 12.0%
| 12.6% | 11.4% | 10.9% | 14.3% | 14.8% |
| Other Misc. | 3.8% | 2.0% | 2.7% | 1.9% | 1.7%
| 2.0% | 2.4% | 2.3% | 3.9% | 4.2% |
| TOTAL | 5.9% | 5.1% | 6.9% | 7.4% | 7.5%
| 7.9% | 7.9% | 7.7% | 13.7% | 15.4% |
GENERAL INSURERS | Year | 2015-16 | 2016-17 | 2017-18 | 2018-19 | 2019-20 | 2020-21 | 2021-22 | 2022-23 | 2023-24 | 2024-25 |
| Fire | 8.5% | 7.9% | 9.4% | 11.7% | 11.1%
| 11.3% | 11.3% | 9.6% | 13.8% | 15.1% |
| Engg. | 6.6% | 7.4% | 8.7% | 10.2% | 10.8%
| 10.7% | 10.3% | 9.1% | 11.9% | 13.4% |
| Marine Cargo | 10.1% | 11.0% | 11.9% | 12.8% | 11.9%
| 12.7% | 13.1% | 12.4% | 15.7% | 15.9% |
| Marine Hull | 2.1% | 2.9% | 3.5% | 4.0% | 5.4%
| 3.5% | 4.1% | 3.3% | 3.3% | 3.8% |
| Motor OD | 7.7% | 7.8% | 14.9% | 18.2% | 18.7%
| 18.3% | 18.2% | 18.5% | 28.0% | 28.6% |
| Motor TP | 0.1% | 0.1% | 0.5% | 1.2% | 1.7%
| 2.0% | 1.8% | 1.9% | 15.5% | 19.7% |
| Aviation | 3.4% | 3.5% | 5.3% | 5.7% | 6.4%
| 11.4% | 4.6% | 2.6% | 5.2% | 3.5% |
| Health | 7.0% | 6.7% | 7.1% | 6.6% | 6.9%
| 7.5% | 6.8% | 6.4% | 8.5% | 6.6% |
| Personal accident | 10.0% | 8.4% | 8.3% | 7.9% | 9.2%
| 8.6% | 8.0% | 8.6% | 14.7% | 13.5% |
| Liability | 11.4% | 10.7% | 11.6% | 12.0% | 12.0%
| 12.6% | 11.4% | 10.9% | 14.3% | 14.8% |
| Other Misc. | 6.5% | 2.8% | 3.7% | 2.4% | 2.2%
| 2.9% | 3.6% | 3.2% | 5.1% | 3.9% |
| TOTAL | 5.9% | 5.2% | 7.0% | 7.4% | 7.5%
| 8.0% | 7.9% | 7.5% | 13.8% | 13.0% |
STANDALONE HEALTH INSURERS | Year | 2015-16 | 2016-17 | 2017-18 | 2018-19 | 2019-20 | 2020-21 | 2021-22 | 2022-23 | 2023-24 | 2024-25 |
| Health | 11.4% | 11.6% | 11.9% | 12.6% | 12.7%
| 13.5% | 13.1% | 13.2% | 17.8% | 21.7% |
| Personal accident | 10.4% | 11.1% | 10.9% | 10.2% | 9.7%
| 14.0% | 14.8% | 15.8% | 23.9% | 18.8% |
| Other Misc. | 7.0% | - | 16.8% | - | - | - | - | - | - | |
| TOTAL | 11.3% | 11.6% | 11.9% | 12.5% | 12.6%
| 13.6% | 13.2% | 13.2% | 17.9% | 18.9% |
SPECIALISED INSURERS | Year | 2015-16 | 2016-17 | 2017-18 | 2018-19 | 2019-20 | 2020-21 | 2021-22 | 2022-23 | 2023-24 | 2024-25 |
| Other Misc. | 0.6% | 0.1% | 0.2% | 0.2% | 0.4%
| 0.5% | 0.6% | 0.9% | 0.7% | 0.9% |
Source: IRDAI reports and Council Compilation
