Soft pricing in property segment
Heavy competition in small property risks and reinsurance-driven segments is pressuring pricing, especially in domestic fire and engineering lines.
GENERALINSURANCEOFINDIA / Q3-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
High combined ratios in motor, cargo, and health
Motor (190%), cargo (282%), and health (143%) combined ratios are elevated, with motor international losses from Israel and Turkey requiring reserve strengthening.
Uncertainty around obligatory cession reduction
Potential reduction in obligatory cession from 4% could impact premium volume, though management expects 25-50% conversion to voluntary business.
Agriculture reinsurance model shift
Shift to 80:110 or 61:30 models may reduce proportional reinsurance opportunities, though management expects continued demand for burn-cost treaties.