Intensifying competition in crop insurance
Private players are aggressively bidding for crop insurance to utilize EoM allowances, potentially compressing margins for BAGIC.
BAJAJFINSV / Q1-FY24 / risks
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Bajajfinsv · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
North Indian flood claims in Q2
Heavy rainfall in North India may lead to elevated motor and property claims, though management expects material impact to be assessed only in Q2 call.
Health insurance loss ratio pressure
Retail health loss ratios remain elevated due to fraud and claims inflation; management is investing in analytics but improvement may take time.