Health Insurance companies, ranked
On their own claim record — not on their advertising.
Go Digit settles the largest share of claims at 99.01%. Bajaj General draws the fewest complaints, at 3.85 complaints per 10,000 claims. All figures are fy 2024–26 (3-year average) from IRDAI's annual report and public grievance disclosures, across 10 insurers.
All health insurance companies by claim settlement ratio
| # | Insurer | Claim settlement | Complaints per 10,000 | Book size |
|---|---|---|---|---|
| 1 | Go Digit | 99.01% | 19.08 | ₹1,666.04 Cr |
| 2 | HDFC ERGO | 97.61% | 8.87 | ₹6,596.53 Cr |
| 3 | Aditya Birla Health | 96.25% | 18.67 | ₹4,920.43 Cr |
| 4 | SBI General | 95.94% | 14.04 | ₹4,974.56 Cr |
| 5 | Bajaj General | 95.63% | 3.85 | ₹7,900.76 Cr |
| 6 | Care Health | 95.45% | 42.67 | ₹8,404.67 Cr |
| 7 | Generali Central | 93.5% | 11.68 | ₹1,597.08 Cr |
| 8 | Niva Bupa | 92.92% | 37.13 | ₹6,985.24 Cr |
| 9 | TATA AIG | 88.94% | 11.47 | ₹3,776.36 Cr |
| 10 | ICICI Lombard | 86.81% | 15.05 | ₹7,955.27 Cr |
| — | Tata AIA | — | — | — |
| — | Star Health | — | — | — |
Insurers we have reviewed plans for are linked. The rest are listed for comparison — omitting them would make this a worse answer, not a shorter one. See how we score.
How to read these numbers
The settlement ratio is the share of claims paid in a year. Read it with the book size beside it: the same percentage means something different on a large book than on a small one, where a handful of claims moves the figure. Complaint volume is the counterweight — it is the number that shows whether the claims that were paid were paid without a fight.
Neither number describes your claim. What decides that is whether your proposal form was filled in honestly, and whether the thing you are claiming for is inside the policy wording. That is what our plan reviews are for.
Frequently asked questions
Which health insurance company has the highest claim settlement ratio?
Go Digit, at 99.01% — fy 2024–26 (3-year average) from IRDAI disclosures, across the 10 insurers we track in this category.
Which health insurance company gets the fewest complaints?
Bajaj General, at 3.85 complaints per 10,000 claims. A high settlement ratio and a low complaint volume together are a better signal than either alone.
Does a high claim settlement ratio guarantee my claim gets paid?
No. It is the share of claims an insurer paid across a whole year, not a promise about yours. It says nothing about how long a claim took, or how hard it was to get paid — which is why we publish complaint volume beside it, and why an honest proposal form matters more than any company-level number.
Next
Best health insurance plans · All health insurance plans · How we score
Disclaimer: Figures shown here are compiled from IRDAI annual reports and public grievance disclosures, and from insurer public disclosures and policy wordings. Claim settlement ratios and complaint volumes are three-year averages for FY 2024–26. Premiums are indicative illustrations for the stated profile, not quotes — your actual premium depends on your age, health, city, habits and underwriting. Scores are Myinsurancebro's own assessment. Always read the official policy document and speak to an advisor before buying. Myinsurancebro is an IRDAI-licensed insurance advisor — we do not manufacture or underwrite any insurance product.