Q4-FY26 · Vishnuat Mahendra
Our combined ratio for FY26 improved by 160 basis points to 101.4%.
NIVABUPAHEALTHINSURANCE / language trends
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Niva Bupa Health · tone and specificity signals across the available quarters.
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Language signals
What changed in management language.
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Q4-FY26 · Krishnan Ramachandran
Our retail health growth for the same period was in excess of 40%.
Q4-FY26 · Vishnuat Mahendra
Our model says combined operating ratio should be let's say 99% or so in FY29.