The Health & Personal Accident Insurance segment has grown at a CAGR of 18.5% over the period 2015-16 to 2024-25. Health & Personal Accident segment is the highest line of business in Non-Life Insurance for the year 2024-25.
Chart 4.5.1GDPI - Health & Accident
Table 4.5.1Health & Accident
| 2024-25 | Value |
| No. Of Policies | 48,575,853 |
| GDPI (in Cr) | 127,430 |
| No. Of Claims Reported | 38,287,184 |
| No. Of Paid Claims | 34,522,375 |
| Amt of Paid Claims (in Cr) | 98,205 |
Source: Council Compilation as per source
data submitted by companies
The Gross Incurred Claims Ratio has decreased, however the Net Incurred Claims Ratio has increased in the year under-review as compared to the previous year.
Chart 4.5.2Gross & Net Incurred Claims Ratio - Health, Personal Accident & Travel
Source: Council Compilation as per source
data submitted by companies
Chart 4.5.3Rural vs Urban Premium - Health & Accident
Source: Council Compilation as per source
data submitted by companies
Chart 4.5.4GDPI Breakup on Categories - Health & Accident
Chart 4.5.5Policies Breakup on Categories - Health & Accident
Source: Council Compilation as per source
data submitted by companies
*Number of policies indicated under Health – Government Schemes are the
number of Master Policies issued and do not represent the number of lives covered