Niva Bupa FY26 PAT ₹366 Cr, GWP ₹9,433 Cr; Retail Health Share 10.1%
Niva Bupa Health Insurance reported FY2026 GWP of ₹9,432.9 crore, up 27.4% YoY. PAT surged to ₹366 crore from ₹203 crore in FY2025. Retail Health market share grew to 10.1% from 9.4%. The company emphasizes its technology-driven model and improved customer service, with Weighted Episodal NPS at 60.
The announcement includes key financial performance indicators like GWP and PAT growth, market share increase, and improved operational ratios, which are material for investors and stakeholders.
The company reported significant year-on-year growth in Gross Written Premium and Profit After Tax, along with an increase in market share. Positive commentary on strategy and customer service also contributes to a positive sentiment.
Niva Bupa Health Insurance Company Limited announced its audited financial results for the quarter and financial year ended March 31, 2026. The company presented an investor presentation today, May 08, 2026, detailing its performance.
For the financial year 2026, Niva Bupa reported a Gross Written Premium (GWP) of ₹9,432.9 crore (without 1/n basis), marking a 27.4% year-on-year growth. On a 1/n basis, the GWP stood at ₹8,585.9 crore, a 27.0% year-on-year increase. Profit After Tax (PAT) for FY2026, as per IFRS reporting, was ₹366 crore, a significant increase from ₹203 crore in FY2025. The Combined Insurance Service Ratio (CISR) improved to 101.4% in FY2026 from 103.0% in FY2025. Niva Bupa's Retail Health market share reached 10.1% in FY2026, up from 9.4% in FY2025.
The company also highlighted its strategic focus on being a health partner of choice, driven by a technology and analytics-based business model, talent management, and a disciplined underwriting and claims management approach. The Weighted Episodal NPS crossed 60 for FY2026, indicating an improvement in customer service. Niva Bupa was also recognized among India's Top 25 Best Workplaces in BFSI.
Key financial metrics for FY2026 include GWP (Without 1/n) of ₹9,432.9 crore and PAT (IFRS) of ₹366.1 crore. The Retail Health GWP was ₹7,406.7 crore, and the Retail Health Market Share (With 1/n) was 10.1%. The Claims Settlement Ratio stood at 94.4%.
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