Lok Sabha Question No. 781 (UNSTARRED), answered on 2015-07-24
Subject: Growth of Insurance Sector
Ministry: FINANCE
Asked by: SUSHIL KUMAR SINGH

GOVERNMENT OF INDIA

MINISTRY OF FINANCE

DEPARTMENT OF FINANCIAL SERVICES

**LOK SABHA**

**UNSTARRED QUESTION NO. 781**

TO BE ANSWERED ON 24 th July, 2015/ Shravana 2, 1937 (Saka)

**Growth of Insurance Sector**

781. SHRI SUSHIL KUMAR SINGH:

Will the Minister of FINANCE be pleased to state:

(a) 	whether the insurance sector has registered a substantial growth in the recent past;

(b) 	if so, the details thereof during the last three years, company-wise;

(c) 	whether the number of insurance claims have raised during the said period, if so, the details thereof, company-wise; and

(d) 	the steps taken/being taken by the Government to protect the interest of customers and timely settlement of claims?

**ANSWER**

THE MINISTER OF STATE IN THE MINISTRY OF FINANCE

(SHRI JAYANT SINHA)

(a) & (b): The insurance business in India can be categorized into Life, non-life and Health insurance and accordingly the details as provided by Insurance Regulatory and Development Authority of India (IRDAI) are given below:

Life Insurance:

The company - wise total premium for the life insurance sector for the last three years (2012-13, 2013-14, 2014-15) along with percentage growth is given in **Annexure-I** .

**General Insurance** :

Non-Life industry registered significant growth during the last three years. Industry as well as Insurer wise growth rate for the years 2012-13, 2013-14 and  2014-15 are given in **Annexure-II** .

Health Insurance:

Health insurance business portfolio which also includes Personal Accident Insurance, Overseas Travel Insurance and Domestic Travel Insurance, has registered significant growth over the past three years.   Industry as well as Insurer wise growth rate is provided in **Annexure-III.**

(c): In life Insurance, the overall number of death claims payable rose marginally during the last three financial years (2012-13, 2013-14, 2014-15).  The company wise details of life insurance death claims for the last three years are indicated for individual and group segments separately in the **Annexure IV (a) and Annexure IV (b)** respectively **.**

In case of general insurance, while for the period 2013-14, the number of claims reported increased by 10.53% as compared to the year 2012-13, the figure had decreased by 13.74% in the financial year 2014-15 as compared to 2013-14.   The company wise details of number of claims reported for the last three years (2012-13, 2013-14, 2014-15) are indicated in **Annexure V.**

The company wise details on number of Health Insurance claims etc. during the last three financial years are indicated in **Annexure VI.**

(d): IRDAI has taken the following steps to protect the interest of customers and timely settlement of claims

1. Through the IRDA (Protection of Policy Holders Interests) Regulations, 2002, IRDAI has prescribed claim settlement procedure, timelines to be observed and penal interest payment in case of delayed settlement. IRDAI reviews and monitors the claims settlement performance of all insurers every quarter.
2. IRDAI does both offsite monitoring and periodical onsite inspection on the basis of aberrations reported by the complainants and initiates regulatory action wherever it deems necessary.
3. IRDAI has put in place an Integrated Grievance Management System (IGMS) for real time monitoring of the policy related (including claims) grievances from consumers. Under IGMS, IRDAI plays a facilitative role in resolution of policyholder grievances (including grievances on claims).
4. The Central Government has framed Redressal of Public Grievances Rules (RPG Rules), 1998 to resolve complaints related to settlement of claims on the part of insurance companies in cost effective, efficient and impartial manner through the mechanism of Insurance Ombudsman.  Currently, there are 17 insurance ombudsman offices spread over the country for this purpose.

*********

|                                                                                    |                                                                                    |                                                                                    |                                                                                    |                                                                                    |                                                                                    | **Annexure I**                                                                     |                                                                                    |
|------------------------------------------------------------------------------------|------------------------------------------------------------------------------------|------------------------------------------------------------------------------------|------------------------------------------------------------------------------------|------------------------------------------------------------------------------------|------------------------------------------------------------------------------------|------------------------------------------------------------------------------------|------------------------------------------------------------------------------------|
| **Growth of Life Insurance for the year 2012-13, 2013-14 and 2014-15**             |                                                                                    |                                                                                    |                                                                                    |                                                                                    |                                                                                    |                                                                                    |                                                                                    |
|                                                                                    | (Premium in Rs. Crores)                                                            | (Premium in Rs. Crores)                                                            | (Premium in Rs. Crores)                                                            |                                                                                    |                                                                                    |                                                                                    |                                                                                    |
| **Name of the insurer**                                                            | **Total Premium**                                                                  |                                                                                    |                                                                                    |                                                                                    | **Growth (%)**                                                                     |                                                                                    |                                                                                    |
|                                                                                    | **2012-13**                                                                        | **2013-14**                                                                        | **2014-15***                                                                       |                                                                                    | **2012-13**                                                                        | **2013-14**                                                                        | **2014-15***                                                                       |
| Aegon Religare                                                                     | 430.50                                                                             | 452.07                                                                             | 559.20                                                                             |                                                                                    | -5.9%                                                                              | 5.0%                                                                               | 23.7%                                                                              |
| Aviva                                                                              | 2140.67                                                                            | 1878.10                                                                            | 1878.10                                                                            |                                                                                    | -11.4%                                                                             | -12.3%                                                                             | 0.0%                                                                               |
| Bajaj Allianz                                                                      | 6892.70                                                                            | 5843.14                                                                            | 6017.30                                                                            |                                                                                    | -7.9%                                                                              | -15.2%                                                                             | 3.0%                                                                               |
| Bharti Axa                                                                         | 744.52                                                                             | 872.65                                                                             | 1053.32                                                                            |                                                                                    | -3.8%                                                                              | 17.2%                                                                              | 20.7%                                                                              |
| Birla Sunlife                                                                      | 5216.30                                                                            | 4833.05                                                                            | 5233.22                                                                            |                                                                                    | -11.4%                                                                             | -7.3%                                                                              | 8.3%                                                                               |
| Canara HSBC                                                                        | 1912.15                                                                            | 1805.88                                                                            | 1657.02                                                                            |                                                                                    | 2.7%                                                                               | -5.6%                                                                              | -8.2%                                                                              |
| DHFL Pramerica                                                                     | 236.79                                                                             | 305.86                                                                             | 735.10                                                                             |                                                                                    | 41.8%                                                                              | 29.2%                                                                              | 140.3%                                                                             |
| Edelweiss Tokio                                                                    | 54.83                                                                              | 110.90                                                                             | 347.08                                                                             |                                                                                    | 404.0%                                                                             | 102.3%                                                                             | 213.0%                                                                             |
| Exide                                                                              | 1742.36                                                                            | 1830.67                                                                            | 2027.48                                                                            |                                                                                    | 3.7%                                                                               | 5.1%                                                                               | 10.8%                                                                              |
| Future Generali                                                                    | 678.29                                                                             | 634.16                                                                             | 604.25                                                                             |                                                                                    | -13.0%                                                                             | -6.5%                                                                              | -4.7%                                                                              |
| HDFC Std                                                                           | 11322.68                                                                           | 12062.90                                                                           | 14829.90                                                                           |                                                                                    | 11.0%                                                                              | 6.5%                                                                               | 22.9%                                                                              |
| ICICI Pru                                                                          | 13538.24                                                                           | 12428.65                                                                           | 15306.62                                                                           |                                                                                    | -3.4%                                                                              | -8.2%                                                                              | 23.2%                                                                              |
| IDBI Federal                                                                       | 804.68                                                                             | 826.25                                                                             | 1069.62                                                                            |                                                                                    | 9.2%                                                                               | 2.7%                                                                               | 29.5%                                                                              |
| India First                                                                        | 1690.08                                                                            | 2143.36                                                                            | 2034.11                                                                            |                                                                                    | 30.2%                                                                              | 26.8%                                                                              | -5.1%                                                                              |
| Kotak Mahindra                                                                     | 2777.78                                                                            | 2700.79                                                                            | 3038.05                                                                            |                                                                                    | -5.4%                                                                              | -2.8%                                                                              | 12.5%                                                                              |
| Max Life                                                                           | 6638.70                                                                            | 7278.54                                                                            | 8171.62                                                                            |                                                                                    | 3.9%                                                                               | 9.6%                                                                               | 12.3%                                                                              |
| PNB MetLife                                                                        | 2429.52                                                                            | 2240.59                                                                            | 2461.19                                                                            |                                                                                    | -9.3%                                                                              | -7.8%                                                                              | 9.8%                                                                               |
| Reliance Life                                                                      | 4045.39                                                                            | 4283.40                                                                            | 4621.08                                                                            |                                                                                    | -26.4%                                                                             | 5.9%                                                                               | 7.9%                                                                               |
| Sahara                                                                             | 205.38                                                                             | 204.63                                                                             | 204.63                                                                             |                                                                                    | -9.1%                                                                              | -0.4%                                                                              | 0.0%                                                                               |
| SBI Life                                                                           | 10450.03                                                                           | 10738.60                                                                           | 12867.11                                                                           |                                                                                    | -20.4%                                                                             | 2.8%                                                                               | 19.8%                                                                              |
| Shriram                                                                            | 618.07                                                                             | 594.24                                                                             | 734.66                                                                             |                                                                                    | -4.1%                                                                              | -3.9%                                                                              | 23.6%                                                                              |
| Star Union                                                                         | 1068.80                                                                            | 948.75                                                                             | 1134.68                                                                            |                                                                                    | -16.0%                                                                             | -11.2%                                                                             | 19.6%                                                                              |
| Tata AIA                                                                           | 2760.43                                                                            | 2323.70                                                                            | 2121.79                                                                            |                                                                                    | -24.0%                                                                             | -15.8%                                                                             | -8.7%                                                                              |
| **Private Total**                                                                  | **78398.91**                                                                       | **77340.97**                                                                       | **88707.11**                                                                       |                                                                                    | -6.9%                                                                              | -1.3%                                                                              | 14.7%                                                                              |
| **LIC**                                                                            | **208803.58**                                                                      | **236942.30**                                                                      | **239667.65**                                                                      |                                                                                    | 2.9%                                                                               | 13.5%                                                                              | 1.2%                                                                               |
| **Industry Total**                                                                 | **287202.49**                                                                      | **314283.20**                                                                      | **328374.76**                                                                      |                                                                                    | 0.0%                                                                               | 9.4%                                                                               | 4.5%                                                                               |
| Note: Total Premium includes First Year Premium + Single Premium + Renewal Premium | Note: Total Premium includes First Year Premium + Single Premium + Renewal Premium | Note: Total Premium includes First Year Premium + Single Premium + Renewal Premium | Note: Total Premium includes First Year Premium + Single Premium + Renewal Premium | Note: Total Premium includes First Year Premium + Single Premium + Renewal Premium | Note: Total Premium includes First Year Premium + Single Premium + Renewal Premium | Note: Total Premium includes First Year Premium + Single Premium + Renewal Premium | Note: Total Premium includes First Year Premium + Single Premium + Renewal Premium |
| Note: Total Premium includes First Year Premium + Single Premium + Renewal Premium | Note: Total Premium includes First Year Premium + Single Premium + Renewal Premium | Note: Total Premium includes First Year Premium + Single Premium + Renewal Premium | Note: Total Premium includes First Year Premium + Single Premium + Renewal Premium | Note: Total Premium includes First Year Premium + Single Premium + Renewal Premium | Note: Total Premium includes First Year Premium + Single Premium + Renewal Premium | Note: Total Premium includes First Year Premium + Single Premium + Renewal Premium | Note: Total Premium includes First Year Premium + Single Premium + Renewal Premium |
| * provisional data                                                                 |                                                                                    |                                                                                    |                                                                                    |                                                                                    |                                                                                    |                                                                                    |                                                                                    |

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| **Growth of General Insurance for the year 2012-13, 2013-14 and 2014-15**            |                                |                                |                                |                                |                                |                                |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                |         |         |         |    |    |
|                                                                                      |                                |                                |                                |                                |                                |                                |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                |         |         |         |    |    |
|                                                                                      |                                |                                |                                |                                |                                |                                | **Premium(in crores)**                           |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  | **Growth (%)**                                   |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                |         |         |         |    |    |
| **Name of the Insurer**                                                              |                                |                                |                                |                                |                                |                                | **2012-13**                                      |                                                  |                                                  |                                                  |                                                  |                                                  | **2013-14**                                      |                                                  |                                                  |                                                  |                                                  | **2014-15****                                    |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  | **2012-13**                                      |                                                  |                                                  |                                                  | **2013-14**                                      |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  | **2014-15 **** |         |         |         |    |    |
|                                                                                      |                                |                                |                                |                                |                                |                                |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                |         |         |         |    |    |
| Royal Sundaram                                                                       | Royal Sundaram                 | Royal Sundaram                 | Royal Sundaram                 | Royal Sundaram                 | Royal Sundaram                 | Royal Sundaram                 | 1561.09                                          | 1561.09                                          | 1561.09                                          | 1561.09                                          | 1561.09                                          | 1561.09                                          | 1437.00                                          | 1437.00                                          | 1437.00                                          | 1437.00                                          | 1437.00                                          | 1574.06                                          | 1574.06                                          | 1574.06                                          | 1574.06                                          | 1574.06                                          |                                                  |                                                  |                                                  |                                                  |                                                  | 5.49                                             | 5.49                                             | 5.49                                             | 5.49                                             | -7.95                                            | -7.95                                            | -7.95                                            | -7.95                                            | -7.95                                            | -7.95                                            | -7.95                                            | 9.54           | 9.54    | 9.54    | 9.54    |    |    |
| Tata-AIG                                                                             | Tata-AIG                       | Tata-AIG                       | Tata-AIG                       | Tata-AIG                       | Tata-AIG                       | Tata-AIG                       | 2135.04                                          | 2135.04                                          | 2135.04                                          | 2135.04                                          | 2135.04                                          | 2135.04                                          | 2362.71                                          | 2362.71                                          | 2362.71                                          | 2362.71                                          | 2362.71                                          | 2714.14                                          | 2714.14                                          | 2714.14                                          | 2714.14                                          | 2714.14                                          |                                                  |                                                  |                                                  |                                                  |                                                  | 30.06                                            | 30.06                                            | 30.06                                            | 30.06                                            | 10.66                                            | 10.66                                            | 10.66                                            | 10.66                                            | 10.66                                            | 10.66                                            | 10.66                                            | 14.87          | 14.87   | 14.87   | 14.87   |    |    |
| Reliance General                                                                     | Reliance General               | Reliance General               | Reliance General               | Reliance General               | Reliance General               | Reliance General               | 2010.01                                          | 2010.01                                          | 2010.01                                          | 2010.01                                          | 2010.01                                          | 2010.01                                          | 2388.82                                          | 2388.82                                          | 2388.82                                          | 2388.82                                          | 2388.82                                          | 2715.83                                          | 2715.83                                          | 2715.83                                          | 2715.83                                          | 2715.83                                          |                                                  |                                                  |                                                  |                                                  |                                                  | 17.37                                            | 17.37                                            | 17.37                                            | 17.37                                            | 18.85                                            | 18.85                                            | 18.85                                            | 18.85                                            | 18.85                                            | 18.85                                            | 18.85                                            | 13.69          | 13.69   | 13.69   | 13.69   |    |    |
| IFFCO-Tokio                                                                          | IFFCO-Tokio                    | IFFCO-Tokio                    | IFFCO-Tokio                    | IFFCO-Tokio                    | IFFCO-Tokio                    | IFFCO-Tokio                    | 2570.18                                          | 2570.18                                          | 2570.18                                          | 2570.18                                          | 2570.18                                          | 2570.18                                          | 2930.92                                          | 2930.92                                          | 2930.92                                          | 2930.92                                          | 2930.92                                          | 3329.97                                          | 3329.97                                          | 3329.97                                          | 3329.97                                          | 3329.97                                          |                                                  |                                                  |                                                  |                                                  |                                                  | 30.12                                            | 30.12                                            | 30.12                                            | 30.12                                            | 14.04                                            | 14.04                                            | 14.04                                            | 14.04                                            | 14.04                                            | 14.04                                            | 14.04                                            | 13.61          | 13.61   | 13.61   | 13.61   |    |    |
| ICICI-lombard                                                                        | ICICI-lombard                  | ICICI-lombard                  | ICICI-lombard                  | ICICI-lombard                  | ICICI-lombard                  | ICICI-lombard                  | 6133.98                                          | 6133.98                                          | 6133.98                                          | 6133.98                                          | 6133.98                                          | 6133.98                                          | 6856.16                                          | 6856.16                                          | 6856.16                                          | 6856.16                                          | 6856.16                                          | 6677.80                                          | 6677.80                                          | 6677.80                                          | 6677.80                                          | 6677.80                                          |                                                  |                                                  |                                                  |                                                  |                                                  | 19.10                                            | 19.10                                            | 19.10                                            | 19.10                                            | 11.77                                            | 11.77                                            | 11.77                                            | 11.77                                            | 11.77                                            | 11.77                                            | 11.77                                            | -2.60          | -2.60   | -2.60   | -2.60   |    |    |
| Bajaj Allianz                                                                        | Bajaj Allianz                  | Bajaj Allianz                  | Bajaj Allianz                  | Bajaj Allianz                  | Bajaj Allianz                  | Bajaj Allianz                  | 3999.81                                          | 3999.81                                          | 3999.81                                          | 3999.81                                          | 3999.81                                          | 3999.81                                          | 4516.45                                          | 4516.45                                          | 4516.45                                          | 4516.45                                          | 4516.45                                          | 5229.65                                          | 5229.65                                          | 5229.65                                          | 5229.65                                          | 5229.65                                          |                                                  |                                                  |                                                  |                                                  |                                                  | 21.70                                            | 21.70                                            | 21.70                                            | 21.70                                            | 12.87                                            | 12.87                                            | 12.87                                            | 12.87                                            | 12.87                                            | 12.87                                            | 12.87                                            | 15.79          | 15.79   | 15.79   | 15.79   |    |    |
| HDFC ERGO General                                                                    | HDFC ERGO General              | HDFC ERGO General              | HDFC ERGO General              | HDFC ERGO General              | HDFC ERGO General              | HDFC ERGO General              | 2453.20                                          | 2453.20                                          | 2453.20                                          | 2453.20                                          | 2453.20                                          | 2453.20                                          | 2906.99                                          | 2906.99                                          | 2906.99                                          | 2906.99                                          | 2906.99                                          | 3182.21                                          | 3182.21                                          | 3182.21                                          | 3182.21                                          | 3182.21                                          |                                                  |                                                  |                                                  |                                                  |                                                  | 33.37                                            | 33.37                                            | 33.37                                            | 33.37                                            | 18.50                                            | 18.50                                            | 18.50                                            | 18.50                                            | 18.50                                            | 18.50                                            | 18.50                                            | 9.47           | 9.47    | 9.47    | 9.47    |    |    |
| Cholamandalam                                                                        | Cholamandalam                  | Cholamandalam                  | Cholamandalam                  | Cholamandalam                  | Cholamandalam                  | Cholamandalam                  | 1620.90                                          | 1620.90                                          | 1620.90                                          | 1620.90                                          | 1620.90                                          | 1620.90                                          | 1854.45                                          | 1854.45                                          | 1854.45                                          | 1854.45                                          | 1854.45                                          | 1890.43                                          | 1890.43                                          | 1890.43                                          | 1890.43                                          | 1890.43                                          |                                                  |                                                  |                                                  |                                                  |                                                  | 20.38                                            | 20.38                                            | 20.38                                            | 20.38                                            | 14.41                                            | 14.41                                            | 14.41                                            | 14.41                                            | 14.41                                            | 14.41                                            | 14.41                                            | 1.90           | 1.90    | 1.90    | 1.90    |    |    |
| Future Generali                                                                      | Future Generali                | Future Generali                | Future Generali                | Future Generali                | Future Generali                | Future Generali                | 1105.27                                          | 1105.27                                          | 1105.27                                          | 1105.27                                          | 1105.27                                          | 1105.27                                          | 1264.42                                          | 1264.42                                          | 1264.42                                          | 1264.42                                          | 1264.42                                          | 1440.97                                          | 1440.97                                          | 1440.97                                          | 1440.97                                          | 1440.97                                          |                                                  |                                                  |                                                  |                                                  |                                                  | 19.96                                            | 19.96                                            | 19.96                                            | 19.96                                            | 14.40                                            | 14.40                                            | 14.40                                            | 14.40                                            | 14.40                                            | 14.40                                            | 14.40                                            | 13.96          | 13.96   | 13.96   | 13.96   |    |    |
| Universal Sompo                                                                      | Universal Sompo                | Universal Sompo                | Universal Sompo                | Universal Sompo                | Universal Sompo                | Universal Sompo                | 534.35                                           | 534.35                                           | 534.35                                           | 534.35                                           | 534.35                                           | 534.35                                           | 540.45                                           | 540.45                                           | 540.45                                           | 540.45                                           | 540.45                                           | 701.11                                           | 701.11                                           | 701.11                                           | 701.11                                           | 701.11                                           |                                                  |                                                  |                                                  |                                                  |                                                  | 32.07                                            | 32.07                                            | 32.07                                            | 32.07                                            | 1.14                                             | 1.14                                             | 1.14                                             | 1.14                                             | 1.14                                             | 1.14                                             | 1.14                                             | 29.73          | 29.73   | 29.73   | 29.73   |    |    |
| Shriram General                                                                      | Shriram General                | Shriram General                | Shriram General                | Shriram General                | Shriram General                | Shriram General                | 1541.19                                          | 1541.19                                          | 1541.19                                          | 1541.19                                          | 1541.19                                          | 1541.19                                          | 1510.59                                          | 1510.59                                          | 1510.59                                          | 1510.59                                          | 1510.59                                          | 1496.51                                          | 1496.51                                          | 1496.51                                          | 1496.51                                          | 1496.51                                          |                                                  |                                                  |                                                  |                                                  |                                                  | 21.69                                            | 21.69                                            | 21.69                                            | 21.69                                            | -2.00                                            | -2.00                                            | -2.00                                            | -2.00                                            | -2.00                                            | -2.00                                            | -2.00                                            | -0.93          | -0.93   | -0.93   | -0.93   |    |    |
| Bharti AXA General                                                                   | Bharti AXA General             | Bharti AXA General             | Bharti AXA General             | Bharti AXA General             | Bharti AXA General             | Bharti AXA General             | 1190.22                                          | 1190.22                                          | 1190.22                                          | 1190.22                                          | 1190.22                                          | 1190.22                                          | 1407.43                                          | 1407.43                                          | 1407.43                                          | 1407.43                                          | 1407.43                                          | 1448.09                                          | 1448.09                                          | 1448.09                                          | 1448.09                                          | 1448.09                                          |                                                  |                                                  |                                                  |                                                  |                                                  | 34.64                                            | 34.64                                            | 34.64                                            | 34.64                                            | 15.51                                            | 15.51                                            | 15.51                                            | 15.51                                            | 15.51                                            | 15.51                                            | 15.51                                            | 1.75           | 1.75    | 1.75    | 1.75    |    |    |
| Raheja QBE                                                                           | Raheja QBE                     | Raheja QBE                     | Raheja QBE                     | Raheja QBE                     | Raheja QBE                     | Raheja QBE                     | 21.30                                            | 21.30                                            | 21.30                                            | 21.30                                            | 21.30                                            | 21.30                                            | 23.28                                            | 23.28                                            | 23.28                                            | 23.28                                            | 23.28                                            | 21.63                                            | 21.63                                            | 21.63                                            | 21.63                                            | 21.63                                            |                                                  |                                                  |                                                  |                                                  |                                                  | 43.99                                            | 43.99                                            | 43.99                                            | 43.99                                            | 9.51                                             | 9.51                                             | 9.51                                             | 9.51                                             | 9.51                                             | 9.51                                             | 9.51                                             | -7.10          | -7.10   | -7.10   | -7.10   |    |    |
| SBI General                                                                          | SBI General                    | SBI General                    | SBI General                    | SBI General                    | SBI General                    | SBI General                    | 770.85                                           | 770.85                                           | 770.85                                           | 770.85                                           | 770.85                                           | 770.85                                           | 1187.57                                          | 1187.57                                          | 1187.57                                          | 1187.57                                          | 1187.57                                          | 1576.90                                          | 1576.90                                          | 1576.90                                          | 1576.90                                          | 1576.90                                          |                                                  |                                                  |                                                  |                                                  |                                                  | 208.16                                           | 208.16                                           | 208.16                                           | 208.16                                           | 54.06                                            | 54.06                                            | 54.06                                            | 54.06                                            | 54.06                                            | 54.06                                            | 54.06                                            | 32.78          | 32.78   | 32.78   | 32.78   |    |    |
| L&T General                                                                          | L&T General                    | L&T General                    | L&T General                    | L&T General                    | L&T General                    | L&T General                    | 182.07                                           | 182.07                                           | 182.07                                           | 182.07                                           | 182.07                                           | 182.07                                           | 252.82                                           | 252.82                                           | 252.82                                           | 252.82                                           | 252.82                                           | 332.33                                           | 332.33                                           | 332.33                                           | 332.33                                           | 332.33                                           |                                                  |                                                  |                                                  |                                                  |                                                  | 26.87                                            | 26.87                                            | 26.87                                            | 26.87                                            | 38.86                                            | 38.86                                            | 38.86                                            | 38.86                                            | 38.86                                            | 38.86                                            | 38.86                                            | 31.45          | 31.45   | 31.45   | 31.45   |    |    |
| Magma HDI                                                                            | Magma HDI                      | Magma HDI                      | Magma HDI                      | Magma HDI                      | Magma HDI                      | Magma HDI                      | 95.14                                            | 95.14                                            | 95.14                                            | 95.14                                            | 95.14                                            | 95.14                                            | 424.93                                           | 424.93                                           | 424.93                                           | 424.93                                           | 424.93                                           | 473.59                                           | 473.59                                           | 473.59                                           | 473.59                                           | 473.59                                           |                                                  |                                                  |                                                  |                                                  |                                                  | NA                                               | NA                                               | NA                                               | NA                                               | 346.64                                           | 346.64                                           | 346.64                                           | 346.64                                           | 346.64                                           | 346.64                                           | 346.64                                           | 11.45          | 11.45   | 11.45   | 11.45   |    |    |
| Liberty                                                                              | Liberty                        | Liberty                        | Liberty                        | Liberty                        | Liberty                        | Liberty                        | 2.19                                             | 2.19                                             | 2.19                                             | 2.19                                             | 2.19                                             | 2.19                                             | 129.82                                           | 129.82                                           | 129.82                                           | 129.82                                           | 129.82                                           | 283.86                                           | 283.86                                           | 283.86                                           | 283.86                                           | 283.86                                           |                                                  |                                                  |                                                  |                                                  |                                                  | NA                                               | NA                                               | NA                                               | NA                                               | NA                                               | NA                                               | NA                                               | NA                                               | NA                                               | NA                                               | NA                                               | 118.66         | 118.66  | 118.66  | 118.66  |    |    |
| Star Health & Allied Insurance                                                       | Star Health & Allied Insurance | Star Health & Allied Insurance | Star Health & Allied Insurance | Star Health & Allied Insurance | Star Health & Allied Insurance | Star Health & Allied Insurance | 860.50                                           | 860.50                                           | 860.50                                           | 860.50                                           | 860.50                                           | 860.50                                           | 1097.21                                          | 1097.21                                          | 1097.21                                          | 1097.21                                          | 1097.21                                          | 1472.54                                          | 1472.54                                          | 1472.54                                          | 1472.54                                          | 1472.54                                          |                                                  |                                                  |                                                  |                                                  |                                                  | -20.70                                           | -20.70                                           | -20.70                                           | -20.70                                           | 27.55                                            | 27.55                                            | 27.55                                            | 27.55                                            | 27.55                                            | 27.55                                            | 27.55                                            | 34.96          | 34.96   | 34.96   | 34.96   |    |    |
| Apollo MUNICH                                                                        | Apollo MUNICH                  | Apollo MUNICH                  | Apollo MUNICH                  | Apollo MUNICH                  | Apollo MUNICH                  | Apollo MUNICH                  | 619.99                                           | 619.99                                           | 619.99                                           | 619.99                                           | 619.99                                           | 619.99                                           | 692.48                                           | 692.48                                           | 692.48                                           | 692.48                                           | 692.48                                           | 803.13                                           | 803.13                                           | 803.13                                           | 803.13                                           | 803.13                                           |                                                  |                                                  |                                                  |                                                  |                                                  | 30.29                                            | 30.29                                            | 30.29                                            | 30.29                                            | 11.69                                            | 11.69                                            | 11.69                                            | 11.69                                            | 11.69                                            | 11.69                                            | 11.69                                            | 15.98          | 15.98   | 15.98   | 15.98   |    |    |
| Max BUPA                                                                             | Max BUPA                       | Max BUPA                       | Max BUPA                       | Max BUPA                       | Max BUPA                       | Max BUPA                       | 207.34                                           | 207.34                                           | 207.34                                           | 207.34                                           | 207.34                                           | 207.34                                           | 308.85                                           | 308.85                                           | 308.85                                           | 308.85                                           | 308.85                                           | 372.66                                           | 372.66                                           | 372.66                                           | 372.66                                           | 372.66                                           |                                                  |                                                  |                                                  |                                                  |                                                  | 109.26                                           | 109.26                                           | 109.26                                           | 109.26                                           | 49.05                                            | 49.05                                            | 49.05                                            | 49.05                                            | 49.05                                            | 49.05                                            | 49.05                                            | 20.66          | 20.66   | 20.66   | 20.66   |    |    |
| Religare                                                                             | Religare                       | Religare                       | Religare                       | Religare                       | Religare                       | Religare                       | 38.80                                            | 38.80                                            | 38.80                                            | 38.80                                            | 38.80                                            | 38.80                                            | 152.31                                           | 152.31                                           | 152.31                                           | 152.31                                           | 152.31                                           | 275.80                                           | 275.80                                           | 275.80                                           | 275.80                                           | 275.80                                           |                                                  |                                                  |                                                  |                                                  |                                                  | NA                                               | NA                                               | NA                                               | NA                                               | 292.59                                           | 292.59                                           | 292.59                                           | 292.59                                           | 292.59                                           | 292.59                                           | 292.59                                           | 81.08          | 81.08   | 81.08   | 81.08   |    |    |
| Cigna TTK                                                                            | Cigna TTK                      | Cigna TTK                      | Cigna TTK                      | Cigna TTK                      | Cigna TTK                      | Cigna TTK                      | NA                                               | NA                                               | NA                                               | NA                                               | NA                                               | NA                                               | 0.3366                                           | 0.3366                                           | 0.3366                                           | 0.3366                                           | 0.3366                                           | 21.8272                                          | 21.8272                                          | 21.8272                                          | 21.8272                                          | 21.8272                                          |                                                  |                                                  |                                                  |                                                  |                                                  | NA                                               | NA                                               | NA                                               | NA                                               | NA                                               | NA                                               | NA                                               | NA                                               | NA                                               | NA                                               | NA                                               | 6407.81        | 6407.81 | 6407.81 | 6407.81 |    |    |
| **New India**                                                                        |                                |                                |                                |                                |                                |                                | 10035.65                                         | 10035.65                                         | 10035.65                                         | 10035.65                                         | 10035.65                                         | 10035.65                                         | 11523.04                                         | 11523.04                                         | 11523.04                                         | 11523.04                                         | 11523.04                                         | 13249.42                                         | 13249.42                                         | 13249.42                                         | 13249.42                                         | 13249.42                                         |                                                  |                                                  |                                                  |                                                  |                                                  | 17.47                                            | 17.47                                            | 17.47                                            | 17.47                                            | 14.79                                            | 14.79                                            | 14.79                                            | 14.79                                            | 14.79                                            | 14.79                                            | 14.79                                            | 14.81          | 14.81   | 14.81   | 14.81   |    |    |
| **National**                                                                         |                                |                                |                                |                                |                                |                                | **9155.65**                                      |                                                  |                                                  |                                                  |                                                  |                                                  | 10244.43                                         | 10244.43                                         | 10244.43                                         | 10244.43                                         | 10244.43                                         | 11257.04                                         | 11257.04                                         | 11257.04                                         | 11257.04                                         | 11257.04                                         |                                                  |                                                  |                                                  |                                                  |                                                  | 17.52                                            | 17.52                                            | 17.52                                            | 17.52                                            | 11.77                                            | 11.77                                            | 11.77                                            | 11.77                                            | 11.77                                            | 11.77                                            | 11.77                                            | 10.12          | 10.12   | 10.12   | 10.12   |    |    |
| **United India**                                                                     |                                |                                |                                |                                |                                |                                | **9300.02**                                      |                                                  |                                                  |                                                  |                                                  |                                                  | 9705.69                                          | 9705.69                                          | 9705.69                                          | 9705.69                                          | 9705.69                                          | 10676.83                                         | 10676.83                                         | 10676.83                                         | 10676.83                                         | 10676.83                                         |                                                  |                                                  |                                                  |                                                  |                                                  | 13.70                                            | 13.70                                            | 13.70                                            | 13.70                                            | 4.74                                             | 4.74                                             | 4.74                                             | 4.74                                             | 4.74                                             | 4.74                                             | 4.74                                             | 9.97           | 9.97    | 9.97    | 9.97    |    |    |
| **Oriental**                                                                         |                                |                                |                                |                                |                                |                                | **6543.51**                                      |                                                  |                                                  |                                                  |                                                  |                                                  | 7131.28                                          | 7131.28                                          | 7131.28                                          | 7131.28                                          | 7131.28                                          | 7407.87                                          | 7407.87                                          | 7407.87                                          | 7407.87                                          | 7407.87                                          |                                                  |                                                  |                                                  |                                                  |                                                  | 8.20                                             | 8.20                                             | 8.20                                             | 8.20                                             | 8.98                                             | 8.98                                             | 8.98                                             | 8.98                                             | 8.98                                             | 8.98                                             | 8.98                                             | 3.93           | 3.93    | 3.93    | 3.93    |    |    |
| ECGC                                                                                 | ECGC                           | ECGC                           | ECGC                           | ECGC                           | ECGC                           | ECGC                           | **1157.22**                                      |                                                  |                                                  |                                                  |                                                  |                                                  | 1303.85                                          | 1303.85                                          | 1303.85                                          | 1303.85                                          | 1303.85                                          | 1362.39                                          | 1362.39                                          | 1362.39                                          | 1362.39                                          | 1362.39                                          |                                                  |                                                  |                                                  |                                                  |                                                  | 15.13                                            | 15.13                                            | 15.13                                            | 15.13                                            | 12.67                                            | 12.67                                            | 12.67                                            | 12.67                                            | 12.67                                            | 12.67                                            | 12.67                                            | 4.49           | 4.49    | 4.49    | 4.49    |    |    |
| AIC                                                                                  | AIC                            | AIC                            | AIC                            | AIC                            | AIC                            | AIC                            | 3235.25                                          | 3235.25                                          | 3235.25                                          | 3235.25                                          | 3235.25                                          | 3235.25                                          | 3383.95                                          | 3383.95                                          | 3383.95                                          | 3383.95                                          | 3383.95                                          | 2743.51                                          | 2743.51                                          | 2743.51                                          | 2743.51                                          | 2743.51                                          |                                                  |                                                  |                                                  |                                                  |                                                  | 25.54                                            | 25.54                                            | 25.54                                            | 25.54                                            | 4.60                                             | 4.60                                             | 4.60                                             | 4.60                                             | 4.60                                             | 4.60                                             | 4.60                                             | -18.93         | -18.93  | -18.93  | -18.93  |    |    |
| **PRIVATE TOTAL**                                                                    |                                |                                |                                |                                |                                |                                | **29653.42**                                     |                                                  |                                                  |                                                  |                                                  |                                                  | **34246.01**                                     |                                                  |                                                  |                                                  |                                                  | **38035.03**                                     |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  | **23.68**                                        |                                                  |                                                  |                                                  | **15.37**                                        |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  | **11.03**      |         |         |         |    |    |
| **PUBLIC TOTAL**                                                                     |                                |                                |                                |                                |                                |                                | **39427.29**                                     |                                                  |                                                  |                                                  |                                                  |                                                  | **43292.24**                                     |                                                  |                                                  |                                                  |                                                  | **46697.05**                                     |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  | **15.48**                                        |                                                  |                                                  |                                                  | **9.86**                                         |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  | **7.88**       |         |         |         |    |    |
| **GRAND TOTAL**                                                                      |                                |                                |                                |                                |                                |                                | **69080.71**                                     |                                                  |                                                  |                                                  |                                                  |                                                  | **77538.25**                                     |                                                  |                                                  |                                                  |                                                  | **84732.08**                                     |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  | **18.85 ***                                      |                                                  |                                                  |                                                  | **12.23 ***                                      |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  | **9.27**       |         |         |         |    |    |
|                                                                                      |                                |                                |                                |                                |                                |                                |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                |         |         |         |    |    |
| ***  The slight variation in growth rate between the figures of Annual reports**     |                                |                                |                                |                                |                                |                                |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                |         |         |         |    |    |
| **and Insurer wiese figures as above is due to rounding off the  fraction figures.** |                                |                                |                                |                                |                                |                                |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                |         |         |         |    |    |
|                                                                                      |                                |                                |                                |                                |                                |                                |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                                                  |                |         |         |         |    |    |
|                                                                                      |                                |                                |                                |                                |                                |                                | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers | ** Provisional data as submitted by the insurers |                |         |         |         |    |    |
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