{"id":1481,"date":"2019-10-31T13:45:46","date_gmt":"2019-10-31T13:45:46","guid":{"rendered":"https:\/\/www.gicouncil.in\/yearbook\/?page_id=1481"},"modified":"2025-02-05T14:03:33","modified_gmt":"2025-02-05T14:03:33","slug":"index1","status":"publish","type":"page","link":"https:\/\/yearbook.websitestage.org\/?page_id=1481","title":{"rendered":"Index"},"content":{"rendered":"\n<style>\n  #toc_container {\n      background: #f9f9f9 none repeat scroll 0 0;\n      border: 1px solid #aaa;\n      display: table;\n      font-size: 95%;\n      margin-bottom: 1em;\n      padding: 20px;\n      width: auto;\n  }\n  \n  .toc_title {\n      font-weight: 700;\n      text-align: center;\n  }\n  \n  #toc_container li, #toc_container ul, #toc_container ul li{\n      list-style: outside none none !important;\n  }\n  <\/style>\n\n  \n  <div id=\"toc_container\">\n  <p class=\"toc_title\">Contents<\/p>\n  <ul class=\"toc_list\">\n    <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/introduction\/the-indian-non-life-insurance-industry\/\">The India Non-Life Insurance Industry<\/a><\/li>\n    <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/introduction\/executive-committee-members-of-the-general-insurance-council\/\">Executive Members of the General Insurance Council<\/a><\/li>\n    <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/introduction\/general-insurance-council\/\">General Insurance Council<\/a><\/li>\n    <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/introduction\/executive-summary\/\">Executive Summary<\/a><\/li>\n\n  \n  <!-- section 1 -->\n    <li><b>Section 1 &nbsp;&nbsp;&nbsp;    Macro-Economic &amp; Insurance Indicators<\/b>\n    <ul>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/macro-economic-insurance-indicators\/indian-economy-indicators\/\"><b>1.1 Indian Economy Indicators<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/macro-economic-insurance-indicators\/indian-economy-indicators\/\">Indian Economy Indicators Table 1.1.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/macro-economic-insurance-indicators\/indian-economy-indicators\/\">Non-Life Insurance Premium v\/s GDP Growth  Chart 1.1.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/macro-economic-insurance-indicators\/indian-economy-indicators\/\">Non-Life Insurance Premium v\/s Overall Industrial &amp; Services Growth  Chart 1.1.2<\/a><\/li>\n  \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/macro-economic-insurance-indicators\/insurance-penetration\/\"><b>1.2 Insurance Penetration<\/b><\/a><\/li>     \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/macro-economic-insurance-indicators\/insurance-penetration\/\">Insurance Penetration  Chart 1.2.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/macro-economic-insurance-indicators\/insurance-density\/\"><b>1.3 Insurance Density in \u20b9 (Gross Direct Premium \/ Population)<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/macro-economic-insurance-indicators\/insurance-density\/\">Insurance Density  Chart 1.3.1<\/a><\/li>\n    <\/ul>\n  <\/li>\n  \n  <!-- section 2 -->\n  <li><b>Section 2 &nbsp;&nbsp;&nbsp;    Statewise Penetration &amp; Density<\/b>\n    <ul>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-02-statewise-penetration-density\/statewise-snapshot-gdpi-economic-indicators\/\"><b>2.1 Statewise Snapshot \u2013 GDPI, Economic Indicators<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-02-statewise-penetration-density\/statewise-snapshot-gdpi-economic-indicators\/\">Statewise Summary of Selected Macro-economic, Demographic and Insurance Data   Table 2.1.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-02-statewise-penetration-density\/statewise-penetration-density\/\"><b>2.2 Statewise Penetration &amp; Density<\/b><\/a><\/li>\n      <!-- <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-02-statewise-penetration-density\/statewise-penetration-density\/\">GDPI (\u20b9 in Crores)<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-02-statewise-penetration-density\/statewise-penetration-density\/\">GDPI &amp; Offices<\/a><\/li>     \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-02-statewise-penetration-density\/statewise-penetration-density\/\">Economy &amp; Insurance<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-02-statewise-penetration-density\/statewise-penetration-density\/\">2020-21 GDPI - Classwise Split<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-02-statewise-penetration-density\/statewise-penetration-density\/\">2021-22 GDPI - Classwise Split<\/a><\/li> -->\n  \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-02-statewise-penetration-density\/section-02-b\/\"><b>2.3 Heatmaps<\/b><\/a><\/li>\n      <ul>\n          <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-02-statewise-penetration-density\/section-02-b\/change-in-property-premium-heatmap-between-2012-13-and-2018-19\/\">2.3.1 Change in Property Premium Heatmap between 2013-14 and 2023-24<\/a><\/li>\n          <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2022-23\/index.php\/indian-non-life-insurance-industry-analysis\/section-02-statewise-penetration-density\/section-02-b\/change-in-motor-premium-heatmap-between-2012-13-and-2018-19\/\">2.3.2 Change in Motor Premium Heatmap between 2013-14 and 2023-24<\/a><\/li>     \n          <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2022-23\/index.php\/indian-non-life-insurance-industry-analysis\/section-02-statewise-penetration-density\/section-02-b\/change-in-health-premium-heatmap-between-2012-13-and-2018-19\/\">2.3.3 Change in Health Premium Heatmap between 2013-14 and 2023-24<\/a><\/li>\n          <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-02-statewise-penetration-density\/section-02-b\/change-in-other-insurance-premium-heatmap-between-2012-13-and-2018-19\/\">2.3.4 Change in Other Insurance Premium Heatmap between 2013-14 and 2023-24<\/a><\/li>\n          <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-02-statewise-penetration-density\/section-02-b\/change-in-gdpi-heatmap-between-2012-13-and-2017-18\/\">2.3.5 Change in GDPI Heatmap between 2022-23 and 2023-24<\/a><\/li>\n          <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-02-statewise-penetration-density\/section-02-b\/change-in-gdpi-heatmap-between-2009-10-and-2019-20\/\">2.3.6 Change in GDPI Heatmap between 2013-14 and 2023-24<\/a><\/li>     \n          <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-02-statewise-penetration-density\/section-02-b\/amount-of-claims-reported-2018-19\/\">2.3.7 Amount of Claims Reported 2023-24<\/a><\/li>\n          <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-02-statewise-penetration-density\/section-02-b\/number-of-claims-reported-2018-19\/\">2.3.8 Number of Claims Reported 2023-24<\/a><\/li>\n          <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-02-statewise-penetration-density\/section-02-b\/insurance-penetration-heatmap-2016-17-2018-19\/\">2.3.9 Insurance Penetration Heatmap 2022-23 &amp; 2023-24<\/a><\/li>\n      <\/ul>\n    <\/ul>\n  <\/li>\n  \n  \n  <li><b>Section 3 &nbsp;&nbsp;&nbsp;    Industry Business Highlights<\/b>\n    <ul>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/industry-business-highlights\/\"><b>3.1 Industry Business Highlights<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/industry-business-highlights\/\">Number of Insurers as on 31st March 2023 Table 3.1.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/industry-business-dimensions\/\"><b>3.2 Industry Business Dimensions<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/industry-business-dimensions\/\">Policies Issued Chart 3.2.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/industry-business-dimensions\/\">Claims Handled Chart 3.2.2<\/a><\/li>     \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/industry-business-dimensions\/\">Number of Offices Chart 3.2.3<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/industry-business-dimensions\/\">Employee Count 3.2.4<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/distribution-channels\/\"><b>3.3 Distribution Channels<\/b><\/a><\/li>\n  \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/distribution-channels\/\">Channel-wise GDPI (% of Total) &#8211; 2023-24 Chart 3.3.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/distribution-channels\/\">Channel-wise Policies (% of Total) &#8211; 2023-24 Chart 3.3.2<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/distribution-channels\/\">Growth in GDPI split by Distribution Channel Chart 3.3.3<\/a><\/li> \n      \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/premium\/\"><b>3.4 Premium<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/premium\/\">Gross Direct Premium Income &#8211; Indian Business Chart 3.4.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/premium\/\">Growth Rate in Premium Chart 3.4.2<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/premium\/\">Gross Written Premium Chart 3.4.3<\/a><\/li>     \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/premium\/\">GWP share % by Type of Insurers Chart 3.4.4<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/premium\/\">GDPI &#8211; Rural vs Urban Chart 3.4.5<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/premium\/\">Net Written Premium &amp; Net Earned Premium Growth Chart 3.4.6<\/a><\/li>\n  \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/commission\/\"><b>3.5 Commission<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/commission\/\">Gross &amp; Net Commissions Chart 3.5.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/commission\/\">Gross Commissions Channel-wise Chart (2022-23) 3.5.2<\/a><\/li>\n  \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/expenses-management\/\"><b>3.6 Expenses Management<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/expenses-management\/\">Expenses of Management Chart 3.6.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/expenses-management\/\">Policyholder Expenses borne by Shareholders Chart 3.6.2<\/a><\/li>\n  \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/claims\/\"><b>3.7 Claims<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/claims\/\">Gross Incurred Claims Chart 3.7.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/claims\/\">Gross Incurred Claims to GDPI Ratio &#8211; Overall Chart 3.7.2<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/claims\/\">Gross Incurred Claims ratio &#8211; Overall (Split by Type of Insurers) Chart 3.7.3<\/a><\/li>     \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/claims\/\">Net Incurred Claims &#8211; Overall Chart 3.7.4<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/claims\/\">Gross Incurred Claims &amp; Net Incurred Claims Ratios Chart 3.7.5<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/claims\/\">Net Incurred Claims ratio &#8211; Overall (Split by Type of Insurers) Chart 3.7.6<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/claims\/\">Net Incurred Claims &#8211; Overall (Segment-wise) Chart 3.7.7<\/a><\/li>\n  \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/underwriting-surplus-deficit\/\"><b>3.8 Underwriting Surplus\/Deficit<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/underwriting-surplus-deficit\/\">Underwriting Results (Split by Type of Insurers) Chart 3.8.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/underwriting-surplus-deficit\/\">Underwriting Surplus\/Deficits (2014-2024) Chart 3.8.2<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/underwriting-surplus-deficit\/\">Underwriting Results (2014-2024) Chart 3.8.3<\/a><\/li>     \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/underwriting-surplus-deficit\/\">Underwriting Loss as percentage of NEP Chart 3.8.4<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/underwriting-surplus-deficit\/\">Combined Ratio &#8211; Overall Chart 3.8.5<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/underwriting-surplus-deficit\/\">Combined Ratio (Split by Type of Insurer) Chart 3.8.6<\/a><\/li>\n  \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/investment-income-investments\/\"><b>3.9 Investment Income &amp; Investments<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/investment-income-investments\/\">Investment Income &#8211; Policyholders Funds Chart 3.9.1<\/a><\/li>\n  \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/investment-income-shareholders-funds\/\"><b>3.10 Investment Income &#8211; Shareholders Funds<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/investment-income-shareholders-funds\/\">Investment Income  &#8211; Shareholders Funds Chart 3.10.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/investment-income-shareholders-funds\/\">Yield on Investments Chart 3.10.2<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/investment-income-shareholders-funds\/\">Profit on sale of Investments Chart 3.10.3<\/a><\/li>\n  \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/profits\/\"><b>3.11 Profits<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/profits\/\">Profits on sale of investments as percentage of Investment Income Chart 3.11.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/profits\/\">Investment Income by Type of Company Chart 3.11.2<\/a><\/li>\n  \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/investment-portfolio\/\"><b>3.12 Investment portfolio<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/investment-portfolio\/\">Growth in Investments Chart 3.12.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/investment-portfolio\/\">Investments in Social &amp; infrastructure Sectors Chart 3.12.2<\/a><\/li>\n  \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/profit-after-tax\/\"><b>3.13 Profits before Tax (after accounting investment income of shareholders)<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/profit-after-tax\/\">Operating Profits &#8211; Non Life Insurance Industry Chart 3.13.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/profit-after-tax\/\">Net Profits &#8211; Non Life Insurance Industry Chart 3.13.2<\/a><\/li>\n  \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/equity-share-capital\/\"><b>3.14 Equity Share Capital<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/equity-share-capital\/\">Shareholders&#8217; Equity Chart 3.14.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/equity-share-capital\/\">Shareholders&#8217; Equity (Split by Type of Company) Chart 3.14.2<\/a><\/li>\n\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/3-15-technical-reserves\/\"><b>3.15 Technical Reserves<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/3-15-technical-reserves\/\">Growth of Technical Reserves Chart 3.15.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/3-15-technical-reserves\/\">Break up of Technical Reserves Chart 3.15.1<\/a><\/li>\n  \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/return-on-capital-employed-roce\/\"><b>3.16 Return on Captal Employed<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/return-on-capital-employed-roce\/\">Return on Capital employed &#8211; 10-year trend Chart 3.16.1<\/a><\/li>\n    <\/ul>\n  <\/li>\n  \n  <li><b>Section 4 &nbsp;&nbsp;&nbsp;    Segmentwise Business Highlights<\/b>\n    <ul>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/gdpi-policies\/\"><b>4.1 GDPI &amp; Policies<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/gdpi-policies\/\">Segment-wise share of GDPI Chart 4.1.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/gdpi-policies\/\">Segment-wise Policies Issued Chart 4.1.2<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/gdpi-policies\/\">Segment-wise share of GDPI 2021-22 Chart 4.1.3<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/gdpi-policies\/\">Segment-wise share of Policies Issued 2021-22 Chart 4.1.4<\/a><\/li>\n  \n  \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/rural-premium\/\"><b>4.2 Rural Premium<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/rural-premium\/\">Segment-wise share of Rural Premium 2021-22 Chart 4.2.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/rural-premium\/\">Rural\/Urban Premium Percentage of Overall GDPI Chart 4.2.2<\/a><\/li>     \n      \n  \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/motor\/\"><b>4.3 Motor Own Damage<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/motor\/\">GDPI &#8211; Motor Own Damage Chart 4.3.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/motor\/\">Motor OD Table 4.3.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/motor\/\">Channelwise GDPI &#8211; Motor OD Chart 4.3.1a<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/motor\/\">Gross &amp; Net Incurred Claims Ratio &#8211; Motor OD Chart 4.3.2<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/motor\/\">Rural vs Urban Premium &#8211; Motor OD Chart 4.3.3<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/motor\/\">Channel-wise GDPI &#8211; Motor OD Chart 4.3.4<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/motor\/\"> GDPI Breakup on Categories &#8211; Motor OD Chart 4.3.5\n      <\/a><\/li><li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/motor\/\"> Policies Breakup on Categories &#8211; Motor OD Chart 4.3.6 \n      \n      <\/a><\/li><li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/motor-third-party-tp\/\"><b>4.4 Motor Third Party<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/motor-third-party-tp\/\">GDPI &#8211; Motor Third Party Chart 4.4.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/motor-third-party-tp\/\">Motor TP Table 4.4.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/motor-third-party-tp\/\">Channelwise GDPI &#8211; Motor TP Chart 4.4.1a<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/motor-third-party-tp\/\">Gross &amp; Net Incurred Claims Ratio &#8211; Motor TP Chart 4.4.2<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/motor-third-party-tp\/\">Rural vs Urban Premium &#8211; Motor TP Chart 4.4.3<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/motor-third-party-tp\/\">Channel-wise GDPI &#8211; Motor TP Chart 4.4.4<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/motor-third-party-tp\/\">GDPI Breakup on Categories &#8211; Motor TP Chart 4.4.5<\/a><\/li>\n  <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/motor-third-party-tp\/\">Policies Breakup on Categories &#8211; Motor TP Chart 4.4.6<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/motor-third-party-tp\/\">Motor Third Party Claims Chart 4.4.7<\/a><\/li> \n   \n  \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/health-accident\/\"><b>4.5 Health &amp; Accident<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/health-accident\/\">GDPI &#8211; Health &amp; Accident Chart 4.5.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/health-accident\/\">Health &amp; Accident Table 4.5.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/health-accident\/\">Gross &amp; Net Incurred Claims Ratio &#8211; Health &amp; Accident Chart 4.5.2<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/health-accident\/\">Rural vs Urban Premium &#8211; Health &amp; Accident Chart 4.5.3<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/health-accident\/\">Channel-wise GDPI &#8211; Health &amp; Accident Chart 4.5.4<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/health-accident\/\">GDPI Breakup on Categories &#8211; Health &amp; Accident Chart 4.5.5<\/a><\/li>\n  <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/health-accident\/\">Policies Breakup on Categories &#8211; Health &amp; Accident Chart 4.5.6<\/a><\/li>\n  \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/property-fire-engineering\/\"><b>4.6 Property (Fire+Engineering)<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/property-fire-engineering\/\">GDPI &#8211; Property Chart 4.6.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/property-fire-engineering\/\">Property Table 4.6.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/property-fire-engineering\/\">Gross &amp; Net Incurred Claims Ratio &#8211; Property Chart 4.6.2<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/property-fire-engineering\/\">Rural vs Urban Premium &#8211; Property Chart 4.6.3<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/property-fire-engineering\/\">Channel-wise GDPI &#8211; Property Chart 4.6.4<\/a><\/li>\n  \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/marine-aviation\/\"><b>4.7 Marine &amp; Aviation<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/marine-aviation\/\">GDPI &#8211; Marine &amp; Aviation Chart 4.7.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/marine-aviation\/\">Marine &amp; Aviation Table 4.7.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/marine-aviation\/\">Gross &amp; Net Incurred Claims Ratio &#8211; Marine (Cargo) Chart 4.7.2<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/marine-aviation\/\">Gross &amp; Net Incurred Claims Ratio &#8211; Marine (Hull) Chart 4.7.3<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/marine-aviation\/\">Gross &amp; Net Incurred Claims Ratio &#8211; Aviation Chart 4.7.4<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/marine-aviation\/\">Rural vs Urban Premium &#8211; Marine &amp; Aviation Chart 4.7.5<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/marine-aviation\/\">Channel-wise GDPI &#8211; Marine &amp; Aviation Chart 4.7.6<\/a><\/li>\n  \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/liability\/\"><b>4.8 Liability<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/liability\/\">GDPI &#8211; Liability Chart 4.8.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/liability\/\">Liability Table 4.8.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/liability\/\">Gross &amp; Net Incurred Claims Ratio &#8211; Liability Chart 4.8.2<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/liability\/\">Rural vs Urban Premium &#8211; Liability Chart 4.8.3<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/liability\/\">Channel-wise GDPI &#8211; Liability Chart 4.8.4<\/a><\/li>\n  \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/crop\/\"><b>4.9 Crop<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/crop\/\">GDPI &#8211; Crop Chart 4.9.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/crop\/\">Crop Table 4.9.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/crop\/\">Gross &amp; Net Incurred Claims Ratio &#8211; Crop Chart 4.9.2<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/crop\/\">Rural vs Urban Premium &#8211; Crop Chart 4.9.3<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/crop\/\">Channel-wise GDPI &#8211; Crop Chart 4.9.4<\/a><\/li>\n    \n  \n  \n  \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/export-credit\/\"><b>4.10 Export Credit<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/export-credit\/\">GDPI &#8211; Export Credit Chart 4.10.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/export-credit\/\">Export Credit Table 4.10.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/export-credit\/\">Gross &amp; Net Incurred Claims Ratio &#8211; Export Credit Chart 4.10.2<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/export-credit\/\">Rural vs Urban Premium &#8211; Export Credit Chart 4.10.3<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/export-credit\/\">Channel-wise GDPI &#8211; Export Credit Chart 4.10.4<\/a><\/li>\n  \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/miscellaneous\/\"><b>4.11 Miscelleanous<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/miscellaneous\/\">GDPI &#8211; Other Miscelleanous Chart 4.11.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/miscellaneous\/\">Other Miscelleanous Table 4.11.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/miscellaneous\/\">Gross &amp; Net Incurred Claims Ratio &#8211; Other Miscelleanous Chart 4.11.2<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/miscellaneous\/\">Rural vs Urban Premium &#8211; Other Miscelleanous Chart 4.11.3<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/miscellaneous\/\">Channel-wise GDPI &#8211; Other Miscelleanous Chart 4.11.4<\/a><\/li>\n  \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/ageing-analysis-paid-claims\/\"><b>4.12 Ageing Analysis &#8211;  Paid Claims<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/ageing-analysis-paid-claims\/\">Segment-wise Paid Claims 2022-23 Chart 4.12.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/ageing-analysis-paid-claims\/\">Outstanding Claims Comparison 2022-23 Chart 4.12.2<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/section-04-segmentwise-business-highlights\/ageing-analysis-paid-claims\/\">Claims Paid 2022-23 LOB-wise Chart 4.12.3<\/a><\/li>\n    <\/ul>\n  <\/li>\n  \n  <!-- <li><b>Section 5 &nbsp;&nbsp;&nbsp;    Policy Holder Service Index<\/b>\n    <ul>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-05-policy-holder-service-index\/customer-complaints\/\"><b>5.1 Customer Complaints<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-05-policy-holder-service-index\/customer-complaints\/\">Trend of number of Policies and Claims related Complaints Chart 5.1.1<\/a><\/li>\n  \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-05-policy-holder-service-index\/customer-complaints\/\">Trend of % to Policies issued and Claims handled  Chart Chart 5.1.2<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-05-policy-holder-service-index\/class-wise-complaints-analysis\/\"><b>5.2 Class-wise Complaints Analysis<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-05-policy-holder-service-index\/class-wise-complaints-analysis\/\">Classwise Analysis of Complaints Reported Chart 5.2.1<\/a><\/li>     \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-05-policy-holder-service-index\/class-wise-complaints-analysis\/\">Health Insurance Complaints (2021-22) Chart 5.2.2<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/indian-non-life-insurance-industry-analysis\/section-05-policy-holder-service-index\/class-wise-complaints-analysis\/\">Motor Insurance Complaints (2021-22) Chart 5.2.3<\/a><\/li>\n    <\/ul>\n  \n  <\/li> -->\n\n  <li><b>Section 5 &nbsp;&nbsp;&nbsp;    Reinsurance<\/b>\n    <ul>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/reinsurance\/\"><b>5.1 Reinsurance<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/reinsurance\/\">Gross Written Premium &amp; Net Written premium Chart 5.1.1<\/a><\/li>\n  \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/reinsurance\/\"> Gross Written Premium and Net Written Premium, Retention Ratio Table 5.1.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/reinsurance\/\">Gross Written Premium Chart 5.1.1a<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/reinsurance\/\">Net Written Premium Chart 5.1.1b<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/reinsurance\/net-retention-ratios-and-capital-leverage\/\"><b>5.2 Net Retention Ratios &amp; Capital Leverage<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/reinsurance\/net-retention-ratios-and-capital-leverage\/\">Net Retention Ratios \u2013 Fire, Engineering and Marine Cargo Chart 5.2.1a<\/a><\/li>     \n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/reinsurance\/net-retention-ratios-and-capital-leverage\/\">Net Retention Ratios \u2013 Motor OD, Motor TP Chart 5.2.1b<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/reinsurance\/net-retention-ratios-and-capital-leverage\/\">Net Retention Ratios \u2013 Health, Personal Accident, Liability, Other Miscellaneous Chart 5.2.1c<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/reinsurance\/net-retention-ratios-and-capital-leverage\/\">Net Retention % (Marine Hull and Aviation) Chart 5.2.1d<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/reinsurance\/net-retention-ratios-and-capital-leverage\/\">Prudent Capital Leverage (Gross and Net Premium) Chart 5.2.2<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/reinsurance\/reinsurers-in-india\/\"><b>5.3 Reinsurers in India<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/reinsurance\/reinsurers-in-india\/\">Reinsurer\u2019s Premium Chart 5.3.1<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/reinsurance\/reinsurers-in-india\/\">Statement of GDPI \u2013 Indian Business and Foreign Business by Prop, N Prop and Faculative Chart 5.3.2<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/reinsurance\/reinsurers-in-india\/\">GDPI-LOB-Wise Reinsurance Premium for Indian Business Chart 5.3.3a<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/reinsurance\/reinsurers-in-india\/\">GDPI-LOB-Wise Reinsurance Premium for Foreign Business Chart 5.3.3b<\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/reinsurance\/reinsurers-in-india\/\">LOB wise Reinsurance Premium for Indian Business and Foreign Business Chart 5.3.4<\/a><\/li>\n    <\/ul>\n\n\n    <\/li><li><b>Section 6 &nbsp;&nbsp;&nbsp;    Analysis of NAT CAT Claims<\/b>\n          <ul>\n              <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/section-06-analysis-of-NAT CAT-Claims\/setup-for-data-analysis\/\"><b>Setup for Data Analysis<\/b> <\/a><\/li>\n              <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/section-06-analysis-of-NAT CAT-Claims\/6-1-statewise-districtwise-claims-for-Biparjoy\/\"><b>6.1 \u2013 Statewise Districtwise claims for Biparjoy<\/b><\/a><\/li>\n              <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/section-06-analysis-of-NAT CAT-Claims\/6-1-statewise-districtwise-claims-for-Biparjoy\/\">DISTRICTWISE CLAIMS FOR BIPARJOY (Gujarat)(as of 31st March 2024)  Table 6.1.1a<\/a><\/li>\n              <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/section-06-analysis-of-NAT CAT-Claims\/6-1-statewise-districtwise-claims-for-Biparjoy\/\">DISTRICTWISE CLAIMS FOR BIPARJOY (Rajasthan)(as of 31st March 2024) Table 6.1.1b<\/a><\/li>\n              <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/section-06-analysis-of-NAT CAT-Claims\/6-1-statewise-districtwise-claims-for-Biparjoy\/\">Statewise reported vs settled claims (Numbers) Chart 6.2.2<\/a><\/li>\n              <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/section-06-analysis-of-NAT CAT-Claims\/6-2-statewise-districtwise-claims-for-Michuang\/\"><b>6.2 \u2013 Statewise Districtwise claims for Michuang<\/b><\/a><\/li> \n\n              <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/section-06-analysis-of-NAT CAT-Claims\/6-2-statewise-districtwise-claims-for-Michuang\/\">DISTRICTWISE CLAIMS FOR MICHUANG (Tamil Nadu)(as of 31st March 2024) Table 6.3.1a<\/a><\/li>\n              <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/section-06-analysis-of-NAT CAT-Claims\/6-2-statewise-districtwise-claims-for-Michuang\/\">DISTRICTWISE CLAIMS FOR MICHUANG (Andhra Pradesh)(as of 31st March 2024) Table 6.3.1b<\/a><\/li>\n              <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/section-06-analysis-of-NAT CAT-Claims\/6-2-statewise-districtwise-claims-for-Michuang\/\">DISTRICTWISE CLAIMS FOR MICHUANG (Other states)(as of 31st March 2024) Table 6.3.1c<\/a><\/li>\n              <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/indian-non-life-insurance-industry-analysis\/section-06-analysis-of-NAT CAT-Claims\/6-2-statewise-districtwise-claims-for-Michuang\/\">Statewise reported vs settled claims (Numbers) Chart 6.3.2<\/a><\/li>\n          <\/ul>\n    <\/li>\n  \n    <li><b>Annexures<\/b>\n      <ul>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/annexures\/table-1-investment-portfolio-of-non-life-insurance-industry\/\"><b>Table 1 Investment Portfolio of Non Life Insurance Industry<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/annexures\/table-2-capital-employed-by-type-of-company\/\"><b>Table 2 Capital Employed by Type of Company<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/annexures\/table-3-channelwise-gdpi\/\"><b>Table 3 Channelwise GDPI<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/annexures\/table-4-statewise-classwise-gdpi\/\"><b>Table 4 Statewise Classwise GDPI<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/annexures\/table-5-statewise-number-of-offices-gdpi-population-literacy-and-state-domestic-product\/\"><b>Table 5 Statewise Number of Offices, GDPI, Population<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/annexures\/table-6-non-life-insurance-industry-data\/\"><b>Table 6 Non Life Insurance Data<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/annexures\/table-7-gross-written-premium\/\"><b>Table 7 Gross Written Premium<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/annexures\/table-8-gross-incurred-claim-ratios-within-india-and-abroad\/\"><b>Table 8 Gross Incurred Claim Ratios (India &amp; Abroad)<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2022-23\/index.php\/annexures\/table-gross-commission-ratios-within-india-and-abroad\/\"><b>Table 9 Gross Commission Ratios (India &amp; Abroad)<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/annexures\/table-10-net-retention-ratios-defined-as-net-written-premium-divided-by-gross-written-premium\/\"><b>Table 10 Net Retention Ratios<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/annexures\/table-11-net-earned-premium-income\/\"><b>Table 11 Net Earned Premium Income<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/annexures\/table-12-net-incurred-claim-ratios-defined-as-net-incurred-claims-divided-by-net-earned-premium\/\"><b>Table 12 Net Incurred Claim Ratios<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/annexures\/table-13-net-commission-ratios-defined-as-net-commission-to-net-earned-premium\/\"><b>Table 13 Net Commission Ratios<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2022-23\/index.php\/annexures\/table-14-gross-underwriting-experience-2008-09-to-2017-18-overall-figures\/\"><b>Table 14 Gross Underwriting Experience<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2023-24\/index.php\/annexures\/table-15-net-underwriting-experiencee-2008-09-to-2017-18-overall-figures\/\"><b>Table 15 Net Underwriting Experience<\/b><\/a><\/li>\n      <li><a href=\"https:\/\/www.gicouncil.in\/yearbook\/2022-23\/annexures\/table16reinsurers-in-india\/\"><b>Table 16 Reinsurers In India<\/b><\/a><\/li>\n      <\/ul>\n    \n  \n  <\/li><\/ul>\n  <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Contents The India Non-Life Insurance Industry Executive Members of the General Insurance Council General Insurance Council Executive Summary Section 1 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"_links":{"self":[{"href":"https:\/\/yearbook.websitestage.org\/index.php?rest_route=\/wp\/v2\/pages\/1481"}],"collection":[{"href":"https:\/\/yearbook.websitestage.org\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/yearbook.websitestage.org\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/yearbook.websitestage.org\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/yearbook.websitestage.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1481"}],"version-history":[{"count":57,"href":"https:\/\/yearbook.websitestage.org\/index.php?rest_route=\/wp\/v2\/pages\/1481\/revisions"}],"predecessor-version":[{"id":4222,"href":"https:\/\/yearbook.websitestage.org\/index.php?rest_route=\/wp\/v2\/pages\/1481\/revisions\/4222"}],"wp:attachment":[{"href":"https:\/\/yearbook.websitestage.org\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1481"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}