Insurance is one of the most important necessities. Health insurance in India is evolving rapidly, with claim settlement and incurred claim ratios becoming key indicators of an insurer’s reliability and customer satisfaction. Health claim settlement ratio is basically a settlement ratio that indicate how many settlement is claimed within a fixed period. In simple words, a claim settlement ratio of 90% for a health insurance providers means that for every 100 claims filed, 90 were settled successfully within a fixed period.

Formula for health insurance claim settlement ratio:

(Total number of claims settled / Total number of claims received) x 100

The Insurance Regulatory and Development Authority of India (IRDAI) is the regulatory body for the insurance sector in India. Here, what the IRDAI data shows regarding the health insurance company with the highest claim settlement ratio.

According to IRDAI, among stand-alone health insurers, Aditya Birla Health Insurance has the highest IRDAI-reported claim settlement ratio in 2025, at 92.97%. Hence, Among all general insurers offering health insurance, Navi General insurance leads with an outstanding 99.97% claim settlement.

Further, Overall, Navi General Insurance had the highest health claim settlement ratio in 2025, at 99.97%, according to IRDAI data.

List of highest health CSR insurers

1. Navi General Health Insurance with CSR 99.97%.
2. Acko General Insurance with CSR 99.91%.
3. Reliance General Health: 99.57%
4. HDFC ERGO General Insurance: 99.16%
5. Universal Sompo General Insurance: 98.11%