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Health Insurance Complaint Ratio 2026: All 30 Insurers Ranked
How many customers had to complain to get paid, per 10,000 policies, for every health insurer in India. The column that actually separates insurers, because settlement ratios barely do.
Why this number decides more than the settlement ratio
A claim settlement ratio counts how many claims an insurer paid. A complaint ratio counts how many customers had to escalate to be heard. Both are published by IRDAI, and only one of them separates the field.
Across these 30 health insurers the complaint ratio runs from 4.2 to 173.6 per 10,000 policies, a spread of about 41.3 times. The settlement ratios on the same insurers span 14.5 percentage points. Both columns discriminate, but they do not agree, and where they disagree the complaint figure is describing something the ratio cannot: how hard customers had to work to be paid.
The spread, drawn to scale
Why the settlement ratio cannot pick your insurer
Every health insurer we track, plotted on both measures. Settlement ratios sit inside 14.5 percentage points of each other. Complaint volumes run 41× from best to worst.
Each dot is one insurer. Hover a dot for the name. Green, amber and red use the same thresholds as every plan page on this site.
Every health insurer, ranked by complaints
See the claim settlement ratio table → Bajaj General | 96.6% | 4.2 |
|---|---|---|
 IndusInd General | 87.3% | 4.4 |
 Universal Sompo | 90.3% | 5.1 |
 New India Assurance | 95% | 5.9 |
 HDFC ERGO | 97.8% | 8.3 |
 Narayana Health Insurance | 98.5% | 9 |
 SBI General | 96.8% | 11.2 |
 Tata AIG | 89.5% | 11.6 |
 Future Generali India | 93.7% | 12.1 |
 Liberty General | 90% | 15 |
 ICICI Lombard | 87.6% | 16.6 |
 Acko | 95.4% | 16.8 |
 United India Insurance | 95% | 17.6 |
 Aditya Birla Health Insurance | 96.5% | 18.2 |
 Magma General | 89.9% | 19.5 |
 Go Digit | 99% | 19.9 |
 Zuno General | 93.2% | 23.2 |
 Royal Sundaram General | 89% | 24.3 |
 Galaxy Health Insurance | 90% | 25.9 |
_Limited.png&w=64&q=75){kind=small} Zurich Kotak General | 93.4% | 28.2 |
 Shriram General | 94.2% | 29.5 |
 Cholamandalam MS | 84.5% | 32.8 |
 Niva Bupa | 93.3% | 35.4 |
 ManipalCigna | 93.7% | 35.5 |
 National Insurance | 93.9% | 41.3 |
 Care Health Insurance | 96% | 42.9 |
 IFFCO Tokio | 85.8% | 46.8 |
 Star Health | 89.3% | 53.9 |
 Raheja QBE General | 89.5% | 70.1 |
 Navi General | 84.6% | 173.6 |
 The Oriental Insurance | 93.1% | NA |
Complaints per 10,000 policies, from IRDAI published disclosures as a weighted average of the last three financial years, latest available as of March 2026. Lower is better. An insurer with no published figure shows NA and is left out of the counts rather than being scored as zero.
How to read it without over-reading it
A complaint ratio is a measure of friction, not of fraud. A large insurer selling millions of low-value policies will draw complaints that a small one never sees, and a single bad quarter can move a small insurer's number a long way. Read it as a signal about how much work a claim is likely to be, not as a verdict on the company.
The average across this table is 28.6 complaints per 10,000 policies. An insurer well under that has customers who mostly did not need to escalate. An insurer well over it does not necessarily reject more claims, but its customers are asking for help far more often on the way to being paid.
Neither number tells you whether a plan covers what you need. Room rent caps, disease sub-limits, waiting periods and the restoration terms decide the size of your bill long before the insurer's track record does.
Claim ratio questions, answered
Which health insurer has the fewest complaints?
On the three-year average we hold, Bajaj General is lowest at 4.2 complaints per 10,000 policies, ahead of IndusInd General at 4.4 and Universal Sompo at 5.1. HDFC ERGO at 8.3 is the lowest of the large private health insurers, and it pairs that with a 97.8% settlement ratio, which is a rarer combination than it sounds.
Which health insurer draws the most complaints?
Navi General, at 173.6 complaints per 10,000 policies, roughly 41 times Bajaj General's figure. Raheja QBE follows at 70.1 and Star Health at 53.9. Star Health is the one worth pausing on, because it is among the most widely sold health insurers in India and its complaint load is more than six times the average of this table.
What is a complaint ratio in health insurance?
The number of complaints an insurer received per 10,000 policies it holds, as published by IRDAI. It is not the same as claims rejected. It counts the customers who had to escalate, whether over a delay, a partial payment, a document loop or a rejection, so it measures how much friction sits between you and being paid.
Is the complaint ratio more useful than the claim settlement ratio?
For separating insurers, yes. Health insurer settlement ratios cluster within a few percentage points of each other, so the column barely discriminates. Complaints run from about 4 to about 174, a spread of roughly 41 times. Use the settlement ratio to rule out the weak, then use complaints to choose among the rest.
Can an insurer have a high settlement ratio and a bad complaint record?
Yes, and several do. Settling a high share of claims eventually says nothing about how long it took, how many documents were asked for twice, or how much of the bill survived. The two columns measure different things and should be read together rather than one instead of the other.
Where does this data come from?
IRDAI's published disclosures, taken as a weighted average of the last three financial years so one unusual year does not swing the figure, latest available as of March 2026. An insurer with no published complaint figure shows NA and is excluded from the averages rather than being counted as zero.
There is more to a policy than these two numbers
Both figures on this page describe the insurer, across every policy it sells and every customer it has. Neither describes the policy you are about to buy, and neither can tell you whether your claim will be paid.
What decides that sits in the wording: the waiting period on the condition you already have, whether there is a room rent cap that shrinks the whole bill, what the co-pay is at your age, whether restoration triggers for the same illness, and whether the hospital you would actually use is in the network. A high settlement ratio does not rescue a claim that falls foul of any of them.
