One company, three reconciling structures — the management org, the lines of business, and the product lines behind every policy.
A roll-up is never one clean tree. Generali Central is one company seen three ways — who reports to whom (org), which line underwrites the risk (line of business), and which product line books the policy (product). They only reconcile through the branch, which is why the same business shows up as a line here, a leader there, and a data-grain gap on the map.
Pick a line of business (e.g. Health & Personal Accident) or a product line (e.g. Motor — Private Car Package) to see the branches underneath and how much of the premium is branch-grain actual vs BaNCS-allocated.
NaN% is branch-grain actual; the rest is BaNCS-allocated from zonal postings while the core-systems integration completes — shown as an estimate, reconciled to the zonal total.
No mapped branch — this line reports through a shared/zonal ledger.
Chairman & MD → the executive committee + corporate functions. The Motor, Health, Commercial and Crop lines run through the underwriting, distribution and claims leadership under the MD & CEO.
Each product line books premium on the core; the colour rail is its line of business, the badge its integration state.
Free-priced OD + tariffed TP; the retail volume engine — 6,500+ garage network, Plastic Repair Program, i-ViSS survey-less claims.
High-volume, low-premium; regulatory Motor TP obligation & Solatium Fund contribution.
LEO GenAI WhatsApp bot, FG ConGo AI motor-claims, I-Assist health-bill OCR, IRIS agent self-issuance — 87% digital.
The loss-ratio driver (~99% ICR) — group is lower-margin, higher-loss; repricing & network management underway.
Flagship retail health; 10,000+ cashless hospitals, 96% settled <3h; wellness in the FG Insure app.
FY25 launches (PowHer women-focused, Vital, Surrogacy cover) — growing the retail health book to fix the mix.
Fire, Marine, Engineering, Liability, WC; revived via TCS BaNCS go-live and government capex.
Short-tail travel + misc lines; digital-first issuance.
Personal Accident (profitable +₹26 Cr) + rural/social cover to 26.14 lakh lives; Future Poorna Suraksha, PA Group.
FY25 profit star (+₹139 Cr, benign year) — volatile; largely reinsured (low net retention).
A single policy is booked by a product line, sold under a line of business, owned by an underwriting leader, and serviced from a branch in a zone. Entity resolution keeps them tied.
Entity resolution maps each legacy branch/line/channel code to one node, so a number can roll up by any lens — by leader, by line, by zone — and still tie to the same total. Where a newer channel still books at zone level, the branch and line figures are BaNCS-allocated and flagged, not invented.