Claim Settlement Ratio (General/Health) in Indian Insurance

%generalhealthDerived from regulatory data

Definition

Percentage of claims settled (paid) by count out of total claims available for disposal. Derived from NL-37: claims paid ÷ (opening outstanding + intimated). Comparable across general and standalone health insurers.

Note: NL-37 provides both count and amount — use nonlife.amount variant for value-based comparison.

Source form: NL-37 ·Source documents

Related guides: Understanding Claim Settlement Ratio · CSR vs ICR

Highest to Lowest

Latest available value per insurer (periods range from FY24-25 – Q1 FY26-27 — see the Period column for each insurer's actual reporting date)

#InsurerClaim Settlement Ratio (%)Period
1New India Assurance95.3FY24-25
2Care Health Insurance95.2FY24-25
3Aditya Birla Health Insurance94.1FY24-25
4HDFC ERGO General Insurance93.5FY24-25
5ManipalCigna Health Insurance93.1FY24-25
6Narayana Health Insurance91.7FY24-25
7Universal Sompo General Insurance91.3FY24-25
8Digit General Insurance90.7FY24-25
9Niva Bupa Health Insurance90.6FY24-25
10Reliance General Insurance90.4FY24-25
11Generali Central Insurance (formerly Future Generali)88.2FY24-25
12Liberty General Insurance87.6FY24-25
13Bajaj Allianz General Insurance87.3Q2 FY25-26
14Oriental Insurance Company85.5FY24-25
15United India Insurance84.9FY24-25
16Royal Sundaram General Insurance82.1FY24-25
17IFFCO Tokio General Insurance82.0FY24-25
18ICICI Lombard General Insurance81.0FY24-25
19Tata AIG General Insurance80.2FY24-25
20Zurich Kotak General Insurance80.2Q3 FY25-26
21Magma General Insurance79.7FY24-25
22Star Health Insurance78.5FY24-25
23Raheja QBE General Insurance77.7FY24-25
24SBI General Insurance77.7Q4 FY25-26
25Acko General Insurance75.0Q1 FY26-27
26Chola MS General Insurance74.5FY24-25
27Navi General Insurance72.4FY24-25
28Shriram General Insurance71.8FY24-25
29Zuno General Insurance70.9Q1 FY26-27
30Galaxy Health Insurance66.7FY24-25
31National Insurance Company52.7Q1 FY26-27
32Kshema General Insurance42.7Q1 FY25-26
33ECGC39.0FY24-25
34Agriculture Insurance Company of India22.5FY24-25

Source: IRDAI public disclosures (NL-37). Click an insurer name for full provenance and historical data.
Machine-readable: this metric as JSON · all facts as CSV