Niva Bupa Health Insurance Co Ltd (NSE:NIVABUPA)

Q2 2026 Niva Bupa Health Insurance Company Ltd Earnings Call Transcript

Nov 3, 2025 / 01:00 PM GMT

Release Date Price: ₹74.06 (-1.33%)

Transcript

Key Points

Positve

Niva Bupa Health Insurance Co Ltd (NSE:NIVABUPA) achieved an overall growth rate of 23% for H1, with retail growth at 28%.
The company's IFRSA improved significantly to 132 crores, up from 60 crores in the same period last year.
The combined insurance service ratio improved by more than 100 basis points to 103.1%, down from 104.2% last year.
The settlement ratio for claims in Q2 was 95.2%, indicating efficient claims processing.
The launch of the new retail health insurance product, Reassure 3.2, has been well-received in the market.

Negative

The retail market share remained steady at 9.9%, indicating no significant gain in market position.
The retail loss ratio has remained flat compared to last year, while competitors have shown improvements.
There is a potential impact on profitability due to the GST exemption, which may affect input tax credits.
The group business has shown a higher loss ratio due to a change in mix, impacting overall profitability.
The direct business segment showed a slight decline, attributed to the impact of accounting changes.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

NIVA.NS - Niva Bupa Health Insurance Company Ltd
Q2 2026 Niva Bupa Health Insurance Company Ltd Earnings Call
Nov 03, 2025 / 01:00PM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to the Niwa Bupa Health Insurance Company Limited Q2 526 earnings conference call hosted by ICICI Securities Limited.

As a reminder, all participant lines will be in the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call, please signal an operator by pressing and then 0 on your touchtone phone.

Please note that this conference is being recorded.

I now hand the conference over to Mr. Anshuman Deb from ICICI Securities Limited.

Thank you and over to you, sir.

Good evening, ladies and gentlemen. It's

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