Global reinsurance pricing softening
Management acknowledged ongoing softening in global reinsurance markets, which could pressure underwriting margins.
GENERALINSURANCEOFINDIA / Q2-FY26 / risks
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Generalinsuranceofindia · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
Life segment reserve strengthening persists
Life combined ratio remains elevated at 114% due to adverse mortality experience and reserve strengthening, expected to continue for 2-3 quarters.
Potential impact of obligatory cession changes
Analyst raised concern about possible reduction in obligatory cession; management downplayed risk but acknowledged potential diversion of business.
One-off VAT demand distorting expenses
A ₹60 crore VAT demand in a foreign jurisdiction, considered unjustified and under appeal, inflated operating expenses in the quarter.