Niva Bupa Health Insurance announced its earnings call for the Unaudited Financial Results for the quarter and half year ended September 30, 2025. The earnings call is scheduled for November 03, 2025. Niva Bupa reported a 22.9% year-on-year growth in GWP, reaching ₹3,983 crore. The IFRS PAT for H1’FY2026 was ₹132 crore, up from ₹60 crore in H1’FY2025.
Financial Performance Highlights
Niva Bupa Health Insurance has demonstrated significant growth and profitability in the first half of fiscal year 2026.
Key highlights from the announcement include:
- Gross Written Premium (GWP) reached ₹3,982.7 crore, a 22.9% increase year-on-year.
- IFRS Profit After Tax (PAT) surged to ₹131.7 crore, compared to ₹61.6 crore in the same period last year.
- The Combined Insurance Service Ratio (CISR) stood at 103.1%.
- Retail Health GWP grew by 27.6% to ₹2,809.9 crore.
- The company’s retail health market share is at 9.9%.
- The Renewal Rate for Retail Health Indemnity reached 90.1%.
Strategic Initiatives and Products
Niva Bupa launched ‘ReAssure 3.0’, India’s first truly unlimited health insurance plan, incorporating innovative and customer-centric features.
Operational Metrics
- Weighted Episodal NPS for H1’FY2026 improved to 57.
Key Performance Indicators
Here’s a brief overview of key performance indicators for the period:
- Gross Written Premium: ₹3,982.7 crore.
- Retail Health GWP: ₹2,809.9 crore.
- Combined Insurance Service Ratio: 103.1%.
- Retail Health Market Share: 9.9%.
- Return on Average Net Worth: 3.9%.
- Solvency Ratio: 2.85x.
Source: BSE
