CEO cockpit · Q4 FY26

Growth quality is improving while renewals stay above sector benchmark

Digital direct is now the largest single channel, with better retention and lower CAC than agency.

Lives covered

+20.5%

2.42M

41% family floater

Renewal rate

+1.8 pp

96.2%

Digital direct

+34%

38.2%

largest channel

CAC

-18%

Rs 1,840

direct channel

NPS

Operating readout

QTD

Digital direct is the margin engine

CAC is materially lower than agency while renewal quality is higher.

Claims automation is compounding

Touchless cases free adjusters to focus on clinical complexity and fraud.

Risk remains concentrated

Hospital network pricing and IBNR movement are the two watch items.

Wellness program · cohort impact

Year-1 wellness cohort shows 8.4% lower loss ratio and 11.2% better renewal intent.

Auditable attribution

Linked to claims, tariffs, and model cards.

Watchlist generated

Escalations routed by owner and exposure.