| Motor Insurance | Own damage (OD) and third-party (TP) motor insurance products | Extensive branch and agent network with industry-leading claims settlement speed | Individual vehicle owners and commercial transport operators (B2C and B2B) | Third-party liability insurance has strong margins | 100498 | 37 | Premium collections from vehicle owners via multiple channels | Tiered and risk-based premium pricing | Increasing vehicle sales, digital onboarding and tailored motor policies | Private Car, Two-wheeler, Commercial Vehicle policies |
| Health, Travel & Personal Accident Insurance | Health insurance, personal accident, and travel insurance plans | AI powered claims processing for quick settlements and differentiated customer service teams | Individuals, corporate groups and travelers (B2C and B2B) | Retail health segment provides significant revenue growth potential | 632204 | 23 | Premium subscriptions from individuals and group clients | Annual premium based, group contracts | Rising health awareness, Covid-19 aftermath, increased travel and corporates’ group insurance uptake | Retail Health, Group Employer-Employee, Travel policies |
| Property & Casualty (Fire, Engineering, Marine, Liability) | Insurance covering risks to property, marine cargo, engineering projects, and liabilities | Strong underwriting practices and long-standing industry relationships with corporate clients | SMEs, large corporates, exporters and individuals (B2B and B2C) | Fire and Engineering insurance segments | 112123 | 17 | Premiums from businesses and individuals via brokers and agents | Custom risk assessment based pricing | Industrial growth, infrastructure development, international trade expansion | Fire Insurance, Engineering, Marine Cargo and Liability products |
| Crop and Weather Insurance | Insurance solutions protecting farmers from crop loss due to weather and natural events | Strong ties with government and large risk pool providing defensible position | Farmers and agricultural businesses (B2C and B2G) | Crop insurance business with steady government support | 42454 | 4 | Government-supported premium collection and direct farmer policies | Subsidized government pricing and risk adjusted premiums | Government initiatives, increasing agri insurance awareness | Crop / Weather Insurance plans |
