Claims Rejection Ratio in Indian Insurance

Definition

Percentage of available claims rejected on policy terms grounds during the period. Rejected = denied because the claim does not meet policy conditions (e.g. exclusion clause). Legally distinct from repudiated claims (Section 45). Formula: rejected ÷ (opening outstanding + intimated).

Note: L-40 separates repudiated (Section 45) and rejected (policy terms) — do not sum them without disclosure.