Leadership cockpit · CEO + CBO · 28 Apr 2026
Growth is profitable, durable, and increasingly digital
The top view separates enterprise health from commercial execution: profitability, capital, claims trust, new business, persistency, renewal quality, and channel productivity.
CEO scorecard
Enterprise health
Net combined ratio
-180 bps QoQ94.8%
Core underwriting profitability after claims and expenses.
Gross written premium
+18.4%Rs 1,847 Cr
Top-line growth without sacrificing claims discipline.
Solvency margin
IRDAI 1.50x floor2.34x
Capital buffer for growth, volatility, and regulator confidence.
Claims experience
avg pre-auth TAT37m
Customer trust signal and hospital-network operating health.
CBO scorecard
Growth quality
New business premium
+24.6%Rs 412 Cr
Fresh growth from direct, agent, banca, and embedded channels.
13th-month persistency
+3.1 pp88.7%
Quality of sale, not just first-year acquisition volume.
Renewal rate
+1.8 pp96.2%
Retention engine and strongest contributor to profitable growth.
CAC payback
-1.6 mo8.4 mo
Distribution efficiency across paid, agency, and embedded channels.
Channel productivity
What the CBO needs to inspect weekly: premium, growth, activation, and payback by channel.
| Channel | GWP | Growth | Activation | CAC payback |
|---|---|---|---|---|
| Digital direct | Rs 318 Cr | +31% | 62% | 7.1 mo |
| Agency | Rs 526 Cr | +14% | 41% | 11.8 mo |
| Banca | Rs 284 Cr | +19% | 54% | 9.3 mo |
| Embedded / API | Rs 96 Cr | +46% | 71% | 5.8 mo |
AI · executive readout
Rs 38.4 Cr to the bottom line and Rs 96 Cr embedded premium unlocked through real-time eligibility APIs.
Touchless adjudication
73.4%
of pre-auth approved without human
Leakage caught
Rs 14.2 Cr
non-medical and package overruns
Next-best action
31%
higher agent conversion on prompted leads
Renewal saves
Rs 22.6 Cr
premium retained by AI-triggered outreach
What Amit should watch
Risk registerClaims inflation in Maharashtra
5 networks · package rate +24% vs p75
Persistency gap in agency cohort
13th-month persistency 74% vs 88.7% company average
IBNR estimate widening
Q3 paid ratio running hot in surgical classes
Embedded channel dependency
Top 2 partners now 61% of API premium
Decision queue
Next 7 daysApprove HCL Health embedded launch
Rs 54 Cr annualised premium potential · 5.8 month CAC payback
Renegotiate Mumbai hospital packages
Expected 90 bps loss-ratio protection
Shift agency incentive to persistency
Move from first-year premium to 13th-month retention weighted payout