Niva Bupa Health Insurance Company Limited — PPTs, 03-11-2025: Investor Presentation

Niva Bupa posted a strong H1'FY2026. Gross Written Premium (GWP) jumped 22.9% year-on-year to ₹3,983 crore. Profit After Tax (PAT) soared 121.3% YoY to ₹132 crore. The Retail Health segment showed robust growth, with GWP up 27.6% YoY to ₹2,810 crore, maintaining a 9.9% market share. The Combined Insurance Service Ratio improved to 103.1% (vs 104.2% in H1'FY2025), and the Expense Ratio reduced to 37.2%.

Strategic focus includes building a profitable health insurance franchise, boosting digital sales across diverse channels, and disciplined claims management, all underpinned by technology and analytics.

A major highlight was the launch of 'ReAssure 3.0', India’s first truly unlimited health insurance plan, offering innovative features like unlimited sum insured and world-wide treatment options. Digital engagement is strong, with app downloads hitting 13 million. Management expressed confidence in customer-centric innovations, reflected by an improved Weighted Episodal NPS of 57, underlining their commitment to superior service. Active lives insured grew to 23.1 million.