Niva Bupa FY2026: Growth, Market Share, and a Better CISR
Niva Bupa Health Insurance Company Ltd
NIVABUPA
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FY2026 GWP (without 1/n) was 9,432.9 crore, up 27.4% year on year; on a 1/n basis, GWP was 8,585.9 crore.
FY2026 IFRS PAT was 366.1 crore, versus 202.9 crore in FY2025.
CISR improved to 101.4% in FY2026 from 103.0% in FY2025 under IFRS.
Retail health market share (with 1/n) was 10.1% in FY2026 and 10.4% in Q4 FY2026.
Claims settlement ratio was 94.4% for FY2026; weighted episodial NPS improved to 60 and claims cashless discharge NPS improved to 70.
FY2026 product mix by GWP was Retail Health 66.7%, Group Health 31.6%, and PA and Travel 1.4%.
IRDAI mandated Ind AS reporting effective April 01, 2026, and the company stated it will go live with Ind AS from the quarter beginning April 2026; 1/n accounting for long-term products has been applicable from October 01, 2024.
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