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Standalone health insurer · figures from IRDAI, FY 2024-25 unless stated
Key figures, FY 2024-25
Claims in FY 2024-25
| All claims (number) | Number | Share of decided |
|---|---|---|
| New claims reported | 0 | |
| Paid | 11 | 100.00% |
| Refused (repudiated) | 0 | 0.00% |
| Closed without payment | 0 | 0.00% |
| Outstanding at year end | 7 |
IRDAI publishes general and health claims per insurer by number only; the money side is shown as the incurred claim ratio (health business: 0.0%).
Five-year record
| Year | Paid, of decided | Refused | Claim ratio | Solvency (March) | Complaints |
|---|---|---|---|---|---|
| 2024-25 | 100.00% | 0.00% | 0.0% | – | 0 |
| 2023-24 | 80.00% | 20.00% | – | – | – |
| 2022-23 | 76.19% | 23.81% | 0.0% | – | 81 |
| 2021-22 | 71.43% | 28.57% | 196.6% | – | 72 |
| 2020-21 | 49.72% | 50.28% | 0.0% | 0.26 | 40 |
A dash means IRDAI shows no figure for that year. IRDAI changed the complaints table (Table 56) in FY 2024-25: the figure now includes complaints open at the start of the year, so do not compare it with earlier years.
Products and UINs
If your claim or complaint is stuck
Write to the insurer’s grievance officer first; IRDAI and the Ombudsman expect that step.
Similar insurers, FY 2024-25
All standalone health insurers, A to Z, IRDAI figures. Not a ranking.
| Insurer | Paid, of decided | Claim ratio | Solvency | Complaints (2024-25 format) |
|---|---|---|---|---|
| Aditya Birla Health insurance | 95.94% | 71.5% | 1.84 | 5,329 |
| Care Health Insurance | 96.85% | 64.5% | 1.68 | 10,281 |
| Galaxy Health and Allied Insurance | 79.37% | – | 4.70 | – |
| HDFC ERGO Health Insurance | – | 0.0% | – | 0 |
| ManipalCigna Health Insurance | 93.71% | 74.8% | 1.76 | 2,041 |
| Narayana Health Insurance | 100.00% | – | 1.61 | 3 |
| Niva Bupa Health Insurance | 92.55% | 61.2% | 3.03 | 7,970 |
| Reliance Health Insurance (this page) | 100.00% | 0.0% | – | 0 |
| Star Health and Allied Insurance | 86.42% | 70.3% | 2.21 | 20,527 |
Listed A to Z. We do not rank insurers or name a winner: a higher claims-paid share is not proof of a better insurer on its own, complaint counts grow with the number of policies, and solvency only needs to stay above IRDAI’s minimum of 1.5. Read the figures together and over several years.
How we made these numbers
Source: IRDAI, Handbook on Indian Insurance Statistics 2024-25 (published February 2026). Table 53 (claims by number), Table 44 (incurred claim ratio), Table 49 (solvency, quarter to March), Table 56 (complaints). Paid of decided = claims paid ÷ (paid + repudiated + closed without payment) in the year. We copy IRDAI’s figures and do the division ourselves; nothing is estimated. IRDAI name: Reliance Health Insurance Ltd.
Education only. MyFinanceBandhu is not an insurer, insurance broker or web aggregator, does not sell, quote or recommend insurance, and earns nothing from it. Insurers are listed A to Z, never ranked. Figures are copied or computed from IRDAI’s Handbook on Indian Insurance Statistics 2024-25; check the insurer’s own disclosures before you decide. To complain about an insurer, go to the insurer’s grievance officer first, then IRDAI’s Bima Bharosa portal, then the Insurance Ombudsman.