Niva Bupa Health Insurance reports ₹35.27 crore net loss for the September 2025 quarter.
Despite a 17% increase in revenues, the insurer slips into losses as higher expenses and claims hurt margins.
Niva Bupa Swings from Profit to Loss
Niva Bupa Health Insurance Company Limited has recorded a standalone net loss of ₹35.27 crore for the quarter ended September 2025 compared to a net profit of ₹13.02 crore for the same quarter of the previous year.
The company’s total income increased 17.21% YoY to ₹1,422.05 crore from ₹1,213.22 crore in the September quarter of 2024 on the back of healthy growth in its premium income and business expansion.
Margins Improve, But Profitability Remains a Challenge
Operating performance was under pressure, while revenue growth remained solid. Consequently, Niva Bupa recorded an operating margin of -3.74%, up from -5.40% a year earlier, reflecting a slight improvement in cost efficiency.
Analysts add that rising claim payouts and operational costs keep pressuring the insurer’s profitability, while net premiums written remain flat.
Outlook: Emphasis on Cost Control and Claim Management
According to industry players, sustained growth in demand for health insurance provides long-term potential, while profitability will come from effective cost control, claims management, and maintenance of competitive pricing. The company’s next quarterly performance will be closely watched by investors and analysts to see if it can return to the black while sustaining revenue momentum.
