
HDFC ERGO own-damage motor insurance combined ratio FY 2015-2019
In financial year 2019, the private insurer HDFC ERGO had a combined ratio of 112 percent in the own-damage motor segment. This was an increase compared to the previous financial year's combined ratio of 101 percent. Overall, a combined ratio over 100 percent indicates that the company is paying out more money than it is earning as insurance premiums.