These companies have settled almost all valid claims within 30 days:
Top Performers
Shriram Life Insurance – 100% settlement
Aditya Birla Sun Life Insurance – 99.98%
HDFC Life Insurance – 99.98%
PNB MetLife – 99.98%
Star Union Dai-ichi Life Insurance – 99%+
SBI Life Insurance – 99%+
Tata AIA Life Insurance – 98%+
Edelweiss Life Insurance – 98%+
Future Generali Life Insurance – 98%+
LIC (Life Insurance Corporation of India) – Around 97%
Why This Matters
Faster settlement means less stress for the family
High percentage shows reliability
Companies with 99%+ ratios usually process claims smoothly
🏥 Health & General Insurance Companies with Strong Settlement Record
Health, motor, and other general insurance claims may take a few weeks to a few months. These insurers showed strong performance:
Top Health & General Insurers
Aditya Birla Health Insurance – 100%
Galaxy Health Insurance – 100%
Narayana Health Insurance – 100%
Niva Bupa Health Insurance – 100%
Acko General Insurance – 99%+
Reliance General Insurance – 99%+
What This Means for You
Higher ratio = better chances of claim approval
Faster claim handling
Better overall customer experience
📊 What Is Claim Settlement Ratio?
Claim Settlement Ratio means:
If a company receives 100 claims
And pays 99 of them
Its settlement ratio is 99%
Simple Understanding
95% and above → Very good
98% and above → Excellent
Close to 100% → Highly reliable
✅ Things to Check Before Buying Insurance
Look at the latest claim settlement ratio
Check how quickly claims are processed
Review customer complaints and service quality
Do not choose only based on low premium
