Health Insurance Claim Settlement Ratio — Top 10 (2026)
Written by
Swetlana Neog
Editorial Associate
The Claim Settlement Ratio (CSR) is one of the most important metrics when evaluating a health insurance company. It represents the percentage of claims settled out of the total claims received in a given year. A higher CSR means the insurer settles more claims and is less likely to dispute your hospitalisation bill.
Data sourced from the insurance industry annual report 2024–25.
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Health Insurance Claim Settlement Ratio — Top 10 Companies (FY 2024–25)
| Rank | Insurance Company | CSR (FY 24-25) | Network Hospitals | PM Verdict |
|---|---|---|---|---|
1 | New India Assurance | 98.9% | 8,000+ | ✅ Excellent |
2 | Digit General Insurance | 98.6% | 6,800+ | ✅ Excellent |
3 | HDFC Ergo General Insurance | 96.7% | 13,000+ | ✅ Excellent |
4 | Bajaj Allianz General Insurance | 96.7% | 9,000+ | ✅ Excellent |
5 | Acko General Insurance | 96.5% | 6,500+ | ✅ Good |
6 | SBI General Insurance | 96.1% | 7,000+ | ✅ Good |
7 | Aditya Birla Health Insurance | 95.8% | 10,500+ | ✅ Good |
8 | Care Health Insurance | 95.2% | 22,000+ | ✅ Good |
9 | National Insurance Company | 94.6% | 7,500+ | ✅ Good |
10 | Niva Bupa Health Insurance | 91.6% | 10,000+ | ✅ Good |
Context Matters
CSR alone doesn't tell the full story. Star Health (84.9%) and ICICI Lombard (84.5%) have CSRs below 85%, which places them in the 'approach with caution' category. Navi (71.4%) has a significantly below-average CSR and should be avoided for primary health coverage.
TruPath's CSR-Based Recommendation
Based purely on CSR, New India Assurance and Digit top the list. However, CSR alone doesn't determine the best health insurer — product quality, room rent restrictions, network hospitals, and co-payment clauses all matter equally. Our top recommendation, HDFC Ergo (CSR 96.7%), combines a very high CSR with excellent product features and a large hospital network — making it the best overall choice for most buyers.
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Certified Advisors
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