{"id":286501,"date":"2026-02-08T12:01:24","date_gmt":"2026-02-08T06:16:24","guid":{"rendered":"https:\/\/insurancekhabar.com\/?p=286501"},"modified":"2026-02-08T12:05:06","modified_gmt":"2026-02-08T06:20:06","slug":"the-average-solvency-ratio-of-non-life-insurers-is-more-than-3-25-times-the-regulators-2","status":"publish","type":"post","link":"https:\/\/english.insurancekhabar.com\/the-average-solvency-ratio-of-non-life-insurers-is-more-than-3-25-times-the-regulators-2\/","title":{"rendered":"The average solvency ratio of non-life insurers is more than 3.25 times the regulator&#8217;s"},"content":{"rendered":"<p>Kathmandu. Nepal Insurance Authority (NIA) for the fiscal year 2082. The solvency ratio of non-life insurance companies has been made public on the basis of the actuarial valuation report approved by the second quarter of 2018-83. <\/p>\n<p>NEA has made public the solvency ratio of 8 non-life insurers who have been approved with actuarial valuation report. The average solvency ratio of these non-life insurers is 4.37 in the review period. This is 3.25 times more than the solvency ratio set by NEA for non-life insurers. The company has set the solvency ratio at 1.3 for non-life insurers. <\/p>\n<p>The solvency ratio of the non-life insurer approved by the NEA evaluation is in the range of minimum 3.31 to maximum 5.06. <\/p>\n<p>According to NEA, Neco Insurance and IGI Insurance have the highest solvency ratio of 5.06. Similarly, the second highest is that of Shikhar Insurance at 4.74. Sagarmatha Lumbini Insurance has the lowest solvency ratio of 3.31. <\/p>\n<p>According to the authority, the solvency ratio of all the non-life insurers that have approved actuarial report is above the minimum regulatory standard. This means that those insurers are fully capable of meeting the financial obligations. <\/p>\n<p>Insurers with a solvency ratio of less than 1 are considered financially unsound and regulatory oversight of such insurers becomes tighter. Less than 1 means that the insurer does not have enough assets to meet the financial obligations to the insured and other creditors. The solvency ratio of 1.3 means that the insurer has to pay Rs. 1 to meet the liability. There is a capital asset of Rs. 1.30 crore. <\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-286499\" src=\"https:\/\/media.insurancekhabar.com\/uploads\/2026\/02\/Non-life-solvency-ratio.png\" alt=\"\" width=\"641\" height=\"281\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kathmandu. Nepal Insurance Authority (NIA) for the fiscal year 2082. The solvency ratio of non-life insurance companies has been made public on the basis of the actuarial valuation report approved by the second quarter of 2018-83. NEA has made public the solvency ratio of 8 non-life insurers who have been approved with actuarial valuation report. [&hellip;]<\/p>\n","protected":false},"author":16,"featured_media":286491,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[45031,45159,45096],"tags":[],"class_list":["post-286501","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banner-news-en","category-news-en","category-non-lifeinsurance-en"],"acf":[],"_links":{"self":[{"href":"https:\/\/insurancekhabar.com\/ikbrapi\/wp\/v2\/posts\/286501","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/insurancekhabar.com\/ikbrapi\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/insurancekhabar.com\/ikbrapi\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/insurancekhabar.com\/ikbrapi\/wp\/v2\/users\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/insurancekhabar.com\/ikbrapi\/wp\/v2\/comments?post=286501"}],"version-history":[{"count":1,"href":"https:\/\/insurancekhabar.com\/ikbrapi\/wp\/v2\/posts\/286501\/revisions"}],"predecessor-version":[{"id":286502,"href":"https:\/\/insurancekhabar.com\/ikbrapi\/wp\/v2\/posts\/286501\/revisions\/286502"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/insurancekhabar.com\/ikbrapi\/wp\/v2\/media\/286491"}],"wp:attachment":[{"href":"https:\/\/insurancekhabar.com\/ikbrapi\/wp\/v2\/media?parent=286501"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/insurancekhabar.com\/ikbrapi\/wp\/v2\/categories?post=286501"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/insurancekhabar.com\/ikbrapi\/wp\/v2\/tags?post=286501"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}