Personal Finance

Private General Insurers Raise Market Share to 53.58% in H1 FY24: IRDAI

In the first half of FY24, private general insurance companies (insurers) boosted their combined market share to 53.58%  in gross direct premium underwritten from 50.81% in the corresponding period a year ago.

About 31 insurers from the non-life industry had underwritten gross direct premiums of Rs 1.43 lakh crore in the first six months of FY24, as per the data on segment-wise gross direct premiums up to September 2023, as per data of Insurance Regulatory and Development Authority of India (IRDAI).

Private insurers recorded an annual jump of 14.86% in gross direct premiums. The non-life industry logged an underwritten gross direct premium (GDP) of Rs 1,25,194 crore in April-September 2022-23.

Private general insurers have a combined market share of 53.58% year-to-date (YTD) September 2023 with a growth rate of 21.13%  as compared to a market share of 50.81% YTD September 2022 with a growth rate of 21.33%, as per IRDAI.

Public Sector Undertaking (PSU) general insurers had a combined market share of 31.99% during April-September 2023 period with a growth rate of 12.16% as compared to a market share of 32.76% in the corresponding period of FY23 with a growth rate of 6.43%.

According to IRDAI, eight insurers held more than 5% of the market share of total non-life GDP YTD in September 2023. As per the IRDAI data, till September 2023, health insurance remained the largest non-life segment, followed by motor (total) and crop insurance.

It also highlighted that marine cargo, marine hull, crop insurance, and liability (total) logged negative growth rates. Fire, marine cargo, marine hull, motor third party, overseas medical insurance, crop insurance, credit insurance, liability (total), and all other miscellaneous segments witnessed a growth of less than the growth of respective segments for the corresponding period of FY23.

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