Icici Lombard General Insurance Co. Ltd. · NSE:ICICIGI
Icici Lombard General Insurance — Analyst Digital Day Meet 2026
27 slides from Icici Lombard General Insurance's conference presentation, Sep 29, 2026
Slide 1: ICICI Lombard General Insurance Company Limited
September 29, 2026 To, The Manager The Manager Listing Department Listing Department BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Tower Exchange Plaza, 5th Floor, Plot C/1, Dalal Street G Block, Bandra-Kurla Complex Mumbai - 400001 Mumbai - 400051 Scrip Code: Equity (BSE:
Slide 2: Prcici@.ombard
Prcici@.ombard 22 ONEIL Team
Slide 3: India's GI Market Large Headroom for Growth
India’s GI Market Large Headroom for Growth Low penetration + rising affluence create a long-term growth opportunity Insurance penetration remains low Strong economic growth 9.4% Premium as % of GDP (CY24) 7.8% GDP growth | Q1 FY27 5.3% 4.8% 2.6% 2.4% Favorable demographics 2.0% 1.9% 1.9% 0.6% Media
Slide 4: Opportunities Ahead
Opportunities Ahead India’s protection gap and structural growth runway Motor Health Commercial Lines UNINSURED VEHICLE PROTECTION GAP MISSING MIDDLE ENTERPRISE INDIA 42% 400Mn ~$1.1T Vehicles on Indian roads are uninsured Individuals lack health insurance cover Total capex announced in FY26 INDIA’S
Slide 5: Structural Changes Strengthening India's GI Market
Structural Changes Strengthening India’s GI Market Reforms creating a more competitive and resilient GI market Distribution No Insurance, Mandatory Reforms No Fuel TP Cover Draft paper released Supreme Court directive Longer-duration motor protection Phased IND AS Risk-Based Implementation Capital T
Slide 6: Consistent Value Creation Across Cycles
Consistent Value Creation Across Cycles Profitable Growth Risk Discipline Customer Centricity Technology Capital Efficiency 120.30% 117.70% 117.80% 119.10% 115.80% 117.80% 113.10% 112.50% 112% 112.60% Market Share 1 COR 108.80% 108.60% (On 1/ n basis) 102.50% 103.80% 104.50% 103.30% 102.80% 103.40%
Slide 7: The next chapter of profitable growth is digital-centric
The next chapter of profitable growth is growth is digital-centric 05
Slide 8: Digital Scale Has Transformed Our Operating Capacity
Digital Scale Has Transformed Our Operating Capacity In-house technology capabilities create a differentiated digital advantage ~680,000 Quotes ~44,000 End-to-end in-house digital product lifecycle Quotes ~8,500 ~16,900 Calls Policies ~6,000 ~10,800 Calls Policies An Hour at ICICI Lombard An Hour at
Slide 9: Digital Flywheel Every Stage of the Insurance Value Chain
Digital Flywheel Every Stage of the Insurance Value Chain Distribution Reach And Acquire Customers Retention Product Build Loyalty and Lifetime Value Design Relevant, Differentiated Propositions Servicing Risk Every Interaction Simple And From Pricing To Risk Management Proactive Claims Fast, Fai
Slide 10: Digital Ecosystem Powering the Insurance Value Chain
Digital Ecosystem Powering the Insurance Value Chain Distribution Retention Product Servicing Digital Powered Risk Muse by AI Claims IL OneAssist Artemis 08
Slide 11: Digital Flywheel: Distribution
Digital Flywheel Every Stage of the Insurance Value Chain Distribution 09
Slide 12: Digital Distribution Expanding Reach Across Every Channel
Digital Distribution Expanding Reach Across Every Channel AI-powered platforms driving higher conversion and scale Agency Reach & Activate 1.5X+ Polices issued on Nysa 89% of branches using Sales AI Nysa AutoNinja Direct RIA Assistant Alliances* Acquire &Convert Embed &Scale 1.8 X ILTakeCare MAU Pow
Slide 13: Digital Flywheel: Product
Digital Flywheel Every Stage of the Insurance Value Chain Product 11
Slide 14: Product Innovation Intelligent Underwriting
Product Innovation Intelligent Underwriting Faster product creation and AI-powered underwriting expand our ability to serve diverse risk needs 1 Product Innovation 2 AI-Powered Underwriting Cloud Modernisation Microservices + Multiple add-ons Tele-underwriting automation Concept to go-live in 4 week
Slide 15: Digital Flywheel: Risk
Digital Flywheel Every Stage of the Insurance Value Chain Risk 13
Slide 16: Risk Management From Pricing to Proactive Action
Risk Management From Pricing to Proactive Action Real-time risk signals enable early intervention before loss Risk Management in Action | Automated Weather Alert System Track Alert Engage <5% Share of P&C large-cat losses 95 red-alert events 135K+ 870K+ vs. >10% market share Monitored across 36 citi
Slide 17: Digital Flywheel: Claims
Digital Flywheel Every Stage of the Insurance Value Chain Claims Fast, Fair, Frictionless 15
Slide 18: Claims Transformation Technology Reshaping the Journey
Claims Transformation Technology Reshaping the Journey Digital FNOL, AI-enabled assessment and faster settlement One connected claims experience Digitise → Automate → AI-enable Intimation Inspection Assessment Settlement 3.3 Days 19 pp Better 87% AI-enabled across the claims journey *FNOL: First Not
Slide 19: Digital Flywheel: Servicing
Digital Flywheel Every Stage of the Insurance Value Chain Servicing Every Interaction Simple And Proactive 17
Slide 20: Digital Servicing Transforming the Economics of Service
Digital Servicing Transforming the Economics of Service Lower cost, faster resolution, better customer outcomes Right Channel. Right Journey. 4Mn+ 89% 75 Voice bot 1 Voice-led service journeys FY26 FY 26 70 Chat bot 2 Digital self-service Digital scale is changing the servicing mix 80% 70% 71% 63% 5
Slide 21: Digital Flywheel: Retention
Digital Flywheel Every Stage of the Insurance Value Chain Retention Build Loyalty and Lifetime Value 19
Slide 22: Digital Retention Building a Growth Engine
Digital Retention Building a Growth Engine Re-engineering renewals across customer proposition, distribution, intelligence and engagement Smarter Renewal Field Force Enablement Redesigned Renewal Notice Renewal on IL OneForce 4.3% YoY Retention improvement 1.2M+ Voice AI calls 2x Lead coverage 2.8%
Slide 23: Digital Flywheel: Ecosystem Powered by AI
Digital Flywheel Every Stage of the Insurance Value Chain Ecosystem Powered by AI 21
Slide 24: Cross-Product Ecosystem Deepening Customer Relationship
Cross-Product Ecosystem Deepening Customer Relationship An integrated ecosystem of products, services and partner-led value propositions 75,800+ OPD 10,500+ Doctors Dentists 1000+ Preventive 7,800+ Service Tie-ups Diagnostic Centres 8,400+ Preferred 49+ Risk Management Partner Hospitals Partners Car
Slide 25: FY29 Compounding the Moat
FY29 Compounding the Moat 100-200 bps growth alpha vs. Industry 2.5x digital sourcing share, from 6% to 15% Distribution improvement in of GWP from 5% Retention Rate Retention Product 3-5% New Launches Digital 90%+ Servicing Servicing Risk 5% Outperformance maintained in Large-Cat Loss Share Claims
Slide 26: Thank You!
@1ctc1@.ombard ) a ey *—
Slide 27: Safe Harbor
Safe Harbor Except for the historical information contained herein, statements in this release which contain words or phrases such as ‘will' , 'would' , ‘indicating’ , ‘expected to’ etc., and similar expressions or variations of such expressions may constitute ‘forward-looking statements’. These for
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