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Health insurers in India, compared by claims paid
All 20 insurers that sell health cover, with the share of health claims each paid in FY 2024-25 and how many of their plans we compare. Figures come from IRDAI and each insurer's own disclosures. Information, not advice.
| # | Insurer | Type | Claims paid | Plans compared |
|---|---|---|---|---|
| 1 | Go Digit General | Private general | 98.98% | 7 |
| 2 | New India Assurance | Public sector | 98.38% | 21 |
| 3 | HDFC ERGO General | Private general | 97.45% | 11 |
| 4 | Bajaj General | Private general | 97.32% | 13 |
| 5 | Care Health | Health-only | 96.74% | 14 |
| 6 | SBI General | Private general | 96.13% | 15 |
| 7 | United India | Public sector | 95.92% | 7 |
| 8 | Aditya Birla Health | Health-only | 95.88% | 25 |
| 9 | Acko General | Private general | 95.75% | 2 |
| 10 | ManipalCigna Health | Health-only | 93.70% | 21 |
| 11 | National | Public sector | 93.56% | 23 |
| 12 | Oriental | Public sector | 93.38% | 11 |
| 13 | Niva Bupa Health | Health-only | 92.39% | 21 |
| 14 | Royal Sundaram General | Private general | 89.23% | 9 |
| 15 | Star Health and Allied | Health-only | 88.34% | 25 |
| 16 | Tata AIG General | Private general | 86.63% | 24 |
| 17 | IndusInd General | Private general | 86.38% | 20 |
| 18 | ICICI Lombard General | Private general | 83.65% | 23 |
| 19 | Cholamandalam MS General | Private general | 83.28% | 21 |
| 20 | Galaxy Health | Health-only | 79.37% | 17 |
Sorted by claim settlement ratio, highest first. Each name opens that insurer's own page: its plans, what policyholders say, and how to escalate a complaint.
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Related reading
Questions people ask
Which health insurer has the highest claim settlement ratio?
In FY 2024-25 the highest in our data is Go Digit General at 98.98%, followed by New India Assurance at 98.38%.
Is a higher claim settlement ratio always better?
It is a useful signal, but it counts claims, not rupees. Check the plan's waiting periods and limits too.
Which health insurers are public sector?
New India Assurance, United India, National, Oriental.
How do I complain if my claim is rejected?
Each insurer page lists how to reach and escalate, up to the insurance ombudsman.
FinResp is an independent research platform. We do not sell insurance, earn agent commission, or represent any insurer. All data is sourced from IRDAI publications and official insurer documents for informational purposes only. This is not financial advice — please verify details with the insurer before purchase. FinResp is not an IRDAI-registered insurance intermediary.