General insurance companies posted a 12.8% year-on-year growth in their gross direct premium underwritten at Rs 81,824.66 crore for the first six months of the current financial year, against Rs 72,546.43 crore in the year-ago period. Sources in the industry say segments such as health, motor third party and personal accident cover contributed to their growth, though insurances for engineering and fire segments were yet to pick up.