Niva Bupa’s Board of Directors has approved the unaudited standalone financial results for Q3 2026. Gross Premiums Written reached ₹2,23,127 lakhs. The company reported an underwriting loss of ₹23,148 lakhs. Earnings per share stood at (₹0.47). The Board also addressed Expenses of Management (EOM) and reaffirmed its commitment to regulatory compliance.
Financial Performance Highlights
Niva Bupa Health Insurance Company Limited announced its unaudited standalone financial results for the quarter ended December 31, 2025 (Q3 2026).
Key financial figures include:
- Gross Premiums Written:₹2,23,127 lakhs
- Net Premium Written:₹1,76,670 lakhs
- Premium Earned (Net):₹1,45,357 lakhs
- Total Income:₹1,54,952 lakhs
- Underwriting Profit / (Loss):(₹23,148 lakhs)
- Operating Profit/loss:(₹13,553 lakhs)
- Profit/(Loss) After Tax:(₹8,764 lakhs)
- Earnings per share:(₹0.47)
Key Financial Ratios
- Solvency Ratio:2.49
- Expenses of Management Ratio:33.10%
- Incurred Claim Ratio:72.30%
- Net retention ratio:79.18%
- Combined ratio:108.19%
Expenses of Management (EOM)
The Company has applied for forbearance regarding EOM limits with IRDAI. The EOM ratio for the quarter ended December 31, 2025, stands at 33.10%.
Auditors’ Conclusion
The joint statutory auditors, S.R. Batliboi & Co. LLP and Nangia & Co LLP, have issued an unmodified conclusion on these financial results.
Source: BSE
