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Niva Bupa Health Insurance Company (NIVABUPA) investor relations material
Niva Bupa Health Insurance Company Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary3 Nov, 2025
Executive summary
Achieved 23% overall growth rate and 28% retail growth rate for H1 FY '26, with IFRS PAT rising to INR 132 crore from INR 60 crore year-over-year.
Retail Health market share held steady at 9.9%, with the launch of ReAssure 3.0, a next-generation unlimited health insurance plan.
Weighted Episodal NPS improved by 2 points to 57, reflecting enhanced customer service.
Board approved standalone unaudited financial results for H1 FY26, with joint statutory auditors issuing an unmodified conclusion.
IPO completed in November 2024, raising ₹80,000 lakhs, fully utilized to augment capital and maintain solvency.
Financial highlights
GWP for H1 FY '26 reached INR 3,983 crore, up 23% year-over-year; Retail Health GWP was INR 2,809.9 crore, up 28%.
IFRS PAT more than doubled to INR 132 crore from INR 60 crore year-over-year.
Combined ratio improved by 105 bps to 103.1% for H1; retail loss ratio stable at 68.1%.
Claims Settlement Ratio increased to 94.6% in H1 FY26.
Annualized investment yield for H1 was 7.3% with AUM at INR 8,482 crore; solvency ratio at 2.85x as of 30 September 2025.
Outlook and guidance
No immediate price revision planned post-GST reduction; will review at quarter-end.
Long-term ROE guidance reiterated at mid to high teens by FY '29.
Confident in bringing EOM ratio within regulatory limits by year-end; discussions with IRDAI ongoing for forbearance.
Industry growth supported by economic expansion, GST elimination, and strong private consumption.
EOM ratio management plan for FY25-26
Quantify new IRDAI rules' impact on profit
Total contingent liability from tax disputes?
GST: How does full ITC pass-on impact distributor strategy
Group business: Future strategy for growth & profitability
Claims management: PPN, auto-adj, std. protocols impact
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Next Niva Bupa Health Insurance Company earnings date
Q3 25/263 Feb, 2026
Next Niva Bupa Health Insurance Company earnings date
Q3 25/263 Feb, 2026
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