Niva Bupa Health Insurance Company Limited — PPTs, 31-07-2025: Investor Presentation

**1. Financial Highlights:**

Niva Bupa's Q1'FY26 Gross Written Premium (GWP) jumped 28% YoY to ₹1,874.6 Cr (pre-accounting change). Profit After Tax (IFRS) surged 97.3% to ₹70.1 Cr, with Combined Insurance Service Ratio improving to 103.2%. Active lives insured grew to 2.25 Cr.

**2. Strategic Initiatives & Growth Drivers:**

Strategic focus includes digital transformation, talent management, and disciplined underwriting. Initiatives like 'Health Plus' re-pricing and 'Condition Control Programs' drive growth. High digital adoption is key, with 99.9% new policies and 91.6% renewals processed digitally.

**3. Business Developments:**

Expanding Preferred Partner Network (PPN) to 681 hospitals across 43 cities enhances cost control. Investment in advanced analytics continues for real-time fraud detection and automated claims processing.

**4. Market Position & Competitive Advantage:**

Niva Bupa strengthened its retail health market share to 10.0%. Industry recognition as a 'Top 100 Best Company to Work' and 'Most Innovative Organization,' plus a high Weighted Episodal NPS of +57, highlights strong talent and customer focus.

**5. Investor Implications:**

Strong financial/operational momentum, driven by digital adoption, market share gains, and efficient claims management, signals positive growth potential. Robust Assets Under Management growth and high solvency further underpin this outlook.