ICICI Lombard General Insurance Company Limited has released the transcript of its earnings conference call for the quarter and nine-months ended December 31, 2025. The call, which took place on Tuesday, January 13, 2026, featured discussions on the company's financial performance and industry trends.

Key management personnel, including MD & CEO Mr. Sanjeev Mantri and CFO Mr. Gopal Balachandran, provided insights into the economic environment, regulatory changes like the "Sabka Bima Sabki Raksha, Amendment of Insurance Laws Bill 2025" and the new labor codes, and segment-specific performance. The company highlighted growth in its health and motor segments, with a particular emphasis on the significant increase in Retail Health business.

Discussions also covered strategic initiatives such as the "One IL One Call Centre" and the "IL TakeCare" app, which have improved digital engagement and customer service. Financial performance details included Gross Domestic Premium Income (GDPI) growth, Combined Ratio, Profit Before Tax (PBT), Profit After Tax (PAT), and Return on Equity (ROE). The management addressed investor queries on the impact of the wage code, growth drivers in the motor segment, and performance in the retail health business.