Claim Settlement Ratio Checker
What is the Claim Settlement Ratio (CSR)? CSR is the percentage of claims an insurance company settles in a financial year. A higher ratio indicates better reliability and trustworthiness.
Why Claim Settlement Ratio Matters
Trust Indicator
CSR reflects how trustworthy an insurer is.
Claim Confidence
Higher CSR means better chance of claim approval.
Informed Decision
Use CSR to compare and choose the right insurer.
Claim Settlement Ratios of Top Insurers
Data based on IRDAI reports (latest available).
| Insurer | Type | CSR (%) | Status |
|---|---|---|---|
| Life Insurance Corporation (LIC) | Life | 98.5% | Excellent |
| HDFC Life Insurance | Life | 99.0% | Excellent |
| ICICI Prudential Life | Life | 98.2% | Excellent |
| SBI Life Insurance | Life | 98.0% | Excellent |
| Star Health Insurance | Health | 96.5% | Very Good |
| ICICI Lombard General | General | 97.2% | Very Good |
| New India Assurance | General | 96.8% | Very Good |
| Bajaj Allianz General | General | 97.5% | Very Good |
| HDFC ERGO General | General | 96.0% | Very Good |
| Go Digit General | General | 95.5% | Good |
CSR data is subject to change. Always check the latest IRDAI reports for updated figures.
Understanding CSR Ratings
Excellent
Highly reliable
Very Good
Very reliable
Good
Reliable
Needs Review
Exercise caution
How to Check Claim Settlement Ratio
IRDAI publishes CSR data for all insurers annually.
Most insurers display their CSR on their official website.
Compare CSR across different insurers before choosing.
CSR is important, but also consider premiums and coverage.