Royal Sundaram claim settlement ratio
Royal Sundaram General has a claim settlement ratio of 89.0% and receives 24.3 complaints per 10,000 claims, according to IRDAI published data, a weighted average of the last three financial years (latest available as of March 2026). That places it 18th of 30 health insurers on complaints and 26th of 31 on settlement ratio.
Weighted average of the last three financial years, from IRDAI published data, latest available as of March 2026. Ratios last checked: .
Which insurers settle a similar share of claims?
These are the health insurers either side of Royal Sundaram on settlement ratio, with the complaint figure beside each, from the same IRDAI data.
| Insurer | Settlement ratio | Complaints per 10,000 claims |
|---|---|---|
| Raheja QBE | 89.5% | 70.1 |
| Star Health | 89.3% | 53.9 |
| Royal Sundaram (this page) | 89.0% | 24.3 |
| ICICI Lombard | 87.6% | 16.6 |
| IndusInd General | 87.3% | 4.4 |
Across these 5, the settlement ratio runs from 87.3% to 89.5%, while complaints run from 4.4 to 70.1 per 10,000 claims.
Two insurers a point apart here can sell very different plans. To set Royal Sundaram's plans beside theirs clause by clause, book a free call with an advisor.
How much should you read into these two numbers?
A claim settlement ratio is the share of claims an insurer paid out of the claims it decided, paid plus rejected, counted by number of claims rather than by rupees. So it tells you how often Royal Sundaram pays, not how much of each bill it pays. The complaint figure counts complaints against the insurer for every 10,000 claims, averaged over 2022-25.
The settlement ratio is the weaker of the two. Across health insurers it sits within a narrow band, so it rarely separates a good insurer from a poor one. Complaints separate them: across the 30 health insurers on our table they run from 4.2 to 173.6 per 10,000 claims, a spread of roughly 41 times. Royal Sundaram sits at 24.3.
Neither number describes a policy. A settlement ratio counts claims across the insurer’s whole health book, every plan and every customer together, and says nothing about how a specific plan treats a specific illness. What decides your claim is the wording you bought: the waiting periods, the room-rent rule, the sub-limits and what you disclosed when you applied.
Compare Royal Sundaram with every other insurer
The full table carries the settlement ratio and complaint volume for all 31 health insurers, ranked, with the same source and date.
See all 31 health insurers →Royal Sundaram claim ratio questions, answered
What is the Royal Sundaram claim settlement ratio?
Royal Sundaram has a claim settlement ratio of 89.0%, a weighted average of the last three financial years from IRDAI published data, latest available as of March 2026. That ranks it 26th of 31 health insurers. On its own the figure says less than most buyers assume, because the settlement ratio barely separates insurers in this market.
How many complaints does Royal Sundaram receive?
24.3 complaints per 10,000 claims, which ranks Royal Sundaram 18th of 30 health insurers on complaints. This is the figure that separates insurers: across the market it runs from 4.2 to 173.6, a spread of roughly 41 times, while settlement ratios sit within a few points of each other.
Is a 89.0% claim settlement ratio good?
No. 89.0% is below the 93% bar we use for health insurers, which 18 of the 31 on our table clear. A lower ratio means the insurer turned down a larger share of the claims it decided. It still cannot tell you whether your own claim will be paid: the policy wording decides that, from waiting periods to sub-limits and room rent.
Should I choose an insurer on the claim settlement ratio alone?
No. Neither number on this page describes a policy, and the settlement ratio in particular is too tightly clustered across insurers to separate them. Read the wording of the specific plan, and weigh the complaint figure more heavily than the settlement ratio, because it is the one that varies.
Sources
- IRDAI annual reports, the published claim settlement and grievance data behind both figures (three-year weighted average, latest available as of March 2026). Read 24 October 2026.
There is more to a policy than these two numbers
We read the wording of every plan we recommend, and we help with the claim when it comes. If you are weighing Royal Sundaram against another insurer, talk it through with an advisor first.
Talk to an advisor →Best health plans 2026 →nyvo is an IRDAI-registered corporate agent (composite), licence CA1085. Figures on this page are from IRDAI published disclosures and are reproduced without adjustment. They describe the insurer, not any individual policy.