For everyone · Free · No login

The claims numbers, honestly explained.

IRDAI's latest claim-settlement figures for every major insurer — sorted, sourced, and with the one thing the league tables leave out: what these numbers don't tell you.

FY2024-25 · source: IRDAI Annual Report + insurer disclosures · the latest fully-published year.

Read it right

What this number means — and what it doesn't.

What it means

What it does NOT mean

What "good" looks like

The number is a filter, not an answer

A ratio can't read your policy.

These averages tell you whether a company pays claims in general. Whether your claim gets paid depends on your disclosures, your paperwork, and the fine print. A licensed, IRDAI-verified advisor reads that for your situation — before you buy, and when you claim.

Find a verified advisor More free tools

Every advisor in the ZaapIn directory is IRDAI-licence-verified.

Pass it on

Bust the myth before someone buys on it.

"A 99% claim settlement ratio doesn't mean what you think."

It's a whole-book average — not the odds your claim gets paid. See why, and the real FY2024-25 numbers.

zaapin.com/tools/csr-leaderboard

Send it to anyone choosing a policy on a flashy "99%" number. Free, no login.

How we got these numbers (sources & caveats)

Figures compiled from IRDAI publications and insurer disclosures for general guidance, not advice on any specific policy. FY2024-25.