What we do Go Digit General Insurance Ltd is a digital non-life insurer in India offering motor, health, travel, property, marine and liability insurance with AI-powered claims and underwriting. |
Founded in 2,016 |
Market share Holds approximately 3.3% market share in India's non-life insurance sector as of FY 2025. |
Problem solved Simplifies insurance via customizable products and digital technology, improving claim processing speed, accuracy, and customer experience. |
Top clients or who we serve Serves retail customers primarily (B2C) with a growing channel partner network, focusing on motor and health insurance sectors. |
Key management Chairman Kamesh Goyal leads a skilled management team focused on technology-driven innovation. |
Our journey and innovations Founded in 2016, introduced India’s first AI-enabled automated travel insurance and customizable flight delay cover; among the first insurers fully cloud-operated. |
Where we operate Operations primarily across India with presence through broad digital distribution and partner networks. |
Top products or what we offer Offers motor (own damage and third party), health, travel, fire, marine cargo/hull, personal accident, and crop insurance products. |
Top brands Go Digit Insurance: #1 digital insurer with 86 active products, 7.6 crore customers, 34,000+ partners, motor insurance as key revenue driver. |
Raw materials needed Not applicable; insurance underwriting and risk management rely on data and actuarial inputs. |
Raw materials supplier Not applicable. |
Recurring vs cyclical contribution Revenue largely recurring through policy renewals but influenced by cyclical risk factors like claims and regulatory changes. |
Our industry position Emerging leader in digital insurance with robust growth and competitive combined ratio performance. |
Financial highlights FY 2025: Gross Written Premium ₹10,282 Cr (+14%), Profit After Tax ₹425 Cr (+133%), AUM ₹19,703 Cr (+25%). |
Geographical revenue split 100% revenue generated within India. |
Order book Not applicable for insurance business. |
Whats driving growth Digital innovation, AI-enabled underwriting and claims, product customization, and expanding partner distribution network. |
Our future plans Invest in technology enhancements, diversify product portfolio, expand market share, and maintain solvency ratio above regulatory norms. |
Our green promise Engaged in sustainability disclosures; detailed ESG initiatives in annual Business Responsibility Report. |
Our people and values Emphasizes a transparent, customer-centric culture with focus on diversity and employee skill development. |
Key challenges ahead Managing combined ratio amidst competitive pricing, claims volatility, and adherence to evolving regulatory norms. |
Interesting facts First in India to offer fully automated travel insurance and flight delay customization; pioneer in AI for claims detection. |
Risks and strategy Mitigates underwriting and market risks through advanced data analytics and robust solvency margins; focused on sustainable profitable growth. |
