Niva Bupa Health Insurance Company Limited — Investor Meet, 13-05-2025: Analysts/Institutional Investor Meet/Con. Call Updates

Niva Bupa reported 32% growth in Gross Written Premium to Rs.7,406 Cr and IFRS PAT nearly doubled to Rs.203 Cr in FY25. Retail premiums made up 65.5%, while group business grew through large corporate wins emphasizing wellness and cost-efficiency. Claim settlement ratio rose to 92.4%, and medical inflation eased to 5% aided by a preferred provider network. Expense ratio improved to 37.4%, with auto-adjudication of claims at 28.5%. Distribution expanded by 8,000 new agents and 30 partners. Management highlighted disciplined risk selection, targeted pricing, and claims management to control costs, expressing confidence in the business outlook despite industry headwinds.