This document provides key highlights and statistics about the non-life insurance industry in India over multiple years: 1) Non-life insurance penetration and density have increased steadily from 2010 to 2016. Gross direct premium income has grown at a compound annual growth rate of 17.7% from 2010-2011 to 2016-2017. 2) The number of offices and employees in the industry have also increased steadily over the years across both public and private sector insurers. 3) Motor and health insurance make up the largest portions of the overall market at 63.5%, and have seen strong growth rates over the past 3 years.

1. Non life Insurance Highlights
General Insurance Council

2. Non Life Insurance Penetration & Density
0.56 0.67 0.62 0.64 0.61 0.6 0.6 0.6 0.6 0.71 0.7 0.78 0.8 0.7 0.72 0.77
0
1
2
3
4
5
6
2
0
0
1
2
0
0
2
2
0
0
3
2
0
0
4
2
0
0
5
2
0
0
6
2
0
0
7
2
0
0
8
2
0
0
9
2
0
1
0
2
0
1
1
2
0
1
2
2
0
1
3
2
0
1
4
2
0
1
5
2
0
1
6
PENETRATION (% OF GDP)
Source: IRDAI
General Insurance council 2
2.4 3 3.5 4 4.4
5.2
6.2 6.2 6.7
8.7
10 10.5 11 11 11.5
13.2
0
5
10
15
20
25
30
35
2
0
0
1
2
0
0
2
2
0
0
3
2
0
0
4
2
0
0
5
2
0
0
6
2
0
0
7
2
0
0
8
2
0
0
9
2
0
1
0
2
0
1
1
2
0
1
2
2
0
1
3
2
0
1
4
2
0
1
5
2
0
1
6
IN
US
$
YEAR
DENSITY (USD)

3. General Insurance Council

4. 48,213
71,203
77,543
84,686
96,379
128,128
22.90%
24.10%
19.00%
8.90% 9.20%
13.80%
32.90%
0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
30.00%
35.00%
-
20,000
40,000
60,000
80,000
100,000
120,000
140,000
2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17
Growth
%
Rs
in
Crores
Year
Gross Direct Premium Income-Indian Business
GDPI Growth %
GDPI has grown at a CAGR of 17.7% over the
period 2010-11 to 2016-17
Source: Council Collation General Insurance Council

5. 1427
261
4837
69
6264
1926
593
8459
83
10385
0
2000
4000
6000
8000
10000
12000
Private Sector (
Multiline)
Health Public Sector Multiline) Agriculture and ECGC General Insurers
No of Offices
2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17
Source: Council collation
General Insurance Council

6. 19636
6218
66727
766
86363
34277
19947
61547
886
95824
0
20000
40000
60000
80000
100000
120000
Private Sector Multiline Health insurers Public Sector Multiline) Agriculture and ECGC General Insurers
No of Employees
2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17
General Insurance Council
Source: Council Collation

7. General Insurance council 7
Market Share of Companies For FY 2017 in terms of GDP
Source: Council Collation
0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
12.00%
14.00%
16.00%
18.00%
17.06%
13.19%
12.22%
10.54%
9.18%
5.55%
4.13%
3.38% 3.24% 3.23%
2.38% 1.99% 1.85% 1.76% 1.67% 1.54% 1.22%
5.87%

8. Fire, 7.5% Marine Cargo, 1.7%
Marine Hull, 0.6%
Engineering, 1.8%
Aviation , 0.3%
Liability, 1.5%
P.A., 2.8%
All Other Misc., 4.2%
Motor OD, 18.6%
Motor TP, 20.8%
Health, 24.1%
Crop Insurance, 16.10%
Overall Market share as on 31st March 2017
Source: Council collation
General Insurance Council

9. 6,528
7,357
6,369
8,102
9,866 9,955
12,415
14,305
16,786
19,123
21,755
5,000
10,000
15,000
20,000
25,000
2006-07 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17
Income-Rs
Cr
Year
Investment
Investment Income
General Insurance Council
Source: Public Disclosures

10. 1.69 1.67 1.67
1.76
1.95
2.16
2.00 1.94
1.85
1.95
2.43
1.14 1.11 1.17
1.24
1.39
1.51 1.50 1.52 1.46
1.55
1.71
-
0.50
1.00
1.50
2.00
2.50
3.00
10,000
20,000
30,000
40,000
50,000
60,000
2006-07 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17
Capital Leverage (Gross and Net Premium)
Capital Employed Gross Premium/Capital Employed Net Premium/Capital Employed
Source: Public Disclosures

11. 9.4%
-0.5%
-7.7%
-3.5%
-2.6%
9.9%
37.9%
10.2%
8.5%
2.8%
-10.3%
1.2%
4.9%
10.4%
23.8%
-9.0%
9.5%
1.6%
-5.7%
-6.4%
4.1%
17.2%
0.6%
-12.0%
-2.0%
8.0%
18.0%
28.0%
38.0%
Fire Marine
Cargo
Marine Hull Engineering Aviation Liability P.A. All Other
Misc.
Traditional Line of Business-Growth % for 3 years
(Other than Motor & Health)
March 2017 March 2016 March 2015
Source: Council collation
General Insurance Council 11

12. Motor & Health Growth %
(63.5% overall Market Share)
11%
26.4% 23.8%
9%
18.45%
22.14%
4.30%
18.79%
15.64%
0%
5%
10%
15%
20%
25%
30%
Motor OD Motor TP Health
Motor & Health Business -Growth % for 3 years
March 2017 March 2016 March 2015
Source: Council collation
General Insurance council 12

13. 126%
122%
90%
95%
100%
105%
110%
115%
120%
125%
130%
135%
140%
2011 2012 2013 2014 2015 2016 2017
Combined Ratio
General Insurance Council
Source: Council Collation