What is Aditya Birla Health Insurance Claim Settlement Ratio in 2024-2025?
Aditya Birla Health Insurance has recorded an impressive claim settlement ratio of 96% for FY 2024–25. The company has maintained this strong performance consistently, with an average ratio of 96% over the period 2022–2025. This reflects its high reliability and efficiency in settling claims.
Introduction
Aditya Birla Health Insurance (ABHI), a leading Standalone Health Insurer (SAHI) in India, has quickly built a strong reputation with its innovative, wellness-focused products. But when buying health insurance, the key question is: how reliable is the company when it’s time to make a claim?
That’s where the Claim Settlement Ratio (CSR) matters. It reflects the percentage of claims an insurer settles in a year. This gives a clear measure of how dependable an insurer is when you need support.
While a high CSR indicates good claim approvals, factors like claim processing time and reasons for rejections also matter for a complete picture of performance.
Aditya Birla Health Insurance Claim Settlement Ratio has been consistently strong, but it’s just one of several indicators smart buyers should consider.
In this blog, we’ll look at:
- Aditya Birla Health Insurance Claim Settlement Ratio
- Explain what CSR means
- What other key metrics matter
- How Aditya Birla performs with top insurers in terms of CSR and
- Whether it is the right choice for you.
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Aditya Birla Health Insurance Claim Settlement Ratio
Note: The figures are sourced from IRDAI's Statistics Handbook and company public data.
Key Insight: From FY 2022–23 to FY 2024–25, Aditya Birla Health Insurance’s average CSR of 95.81% consistently outperformed the industry average of 91%. This indicates a strong track record of settling claims promptly.
What is a Claim Settlement Ratio (CSR)?
The Claim Settlement Ratio (CSR) tells you how many claims an insurance company actually pays out compared to the total number of claims it receives in a year.
A Claim Settlement Ratio (CSR) above 97% indicates that an insurer approves and settles most claims. However, it doesn't guarantee all claims will be approved. Claims can be rejected for simple reasons such as missing documents, dishonest disclosures by the customer, or policy exclusions. For more details, you can refer to common reasons for health insurance claim rejection.
While Aditya Birla Health Insurance claim settlement ratio is impressive, it’s just one part of the picture. Here are some of the other key metrics to look at when evaluating an insurer.
Other Performance Metrics of Aditya Birla Health Insurance
- Average Complaints: Aditya Birla Health Insurance’s complaint numbers are slightly higher than ideal. However, they are improving steadily and showing progress in claim handling and service quality.
- Incurred Claim Ratio (ICR): Aditya Birla Health Insurance’s ICR sits comfortably within the ideal 50–80% range. This indicates a strong balance between meeting customer claim needs and maintaining overall business stability.
- Network Hospitals: With over 12,000 network hospitals, Aditya Birla Health Insurance ensures wide and convenient cashless access to quality healthcare facilities across India.
- Annual Business / Gross Written Premium (GWP): With an average annual business of around ₹3,290 crore, Aditya Birla Health Insurance reflects strong market presence, consistent growth, and customer trust.
Beyond these operational metrics, it’s also important to consider factors like the insurer’s reputation, financial background, customer experiences, and policy wordings to get a complete and informed picture before choosing a health insurance provider.
To help you see how Aditya Birla Health Insurance stacks up against other leading insurers in terms of claim reliability and efficiency, here’s a list of the the top 10 health insurance companies in India, ranked by their average Claim Settlement Ratio over the last three financial years:
Top 10 Health Insurance Providers by Claim Settlement Ratio (CSR) in 2025
Key Insight: As you can see, Aditya Birla Health Insurance has kept a high average CSR of 95.81% over the last three years. While a few insurers like New India Assurance, Digit, and Bajaj Allianz have slightly higher CSRs, ABHI remains among the top performers for claim efficiency and reliability. It remains a dependable choice for customers looking for a hassle-free claim experience.
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Aditya Birla Health Insurance CSR (Ditto’s Take)
Full disclosure, Aditya Birla Health Insurance is one of Ditto’s partner insurers. This is why we know for certain that it offers a reliable claim experience and fair post-sales support.
Although it’s a relatively newer player compared to HDFC ERGO, Niva Bupa, or Care Health, it has quickly built a reputation for being responsive and customer-focused. Sure, the complaint numbers are a bit higher than a few peers, but when it comes to its Claim Settlement Ratio, Aditya Birla clearly outperforms many competitors. Overall, it’s a reliable insurer that has shown steady and consistent progress over time.
Frequently Asked Questions
What is the claim settlement ratio of Aditya Birla Health Insurance?
Aditya Birla Health Insurance has maintained a strong average Claim Settlement Ratio (CSR) of around 96% for FY 2022–25. This means the company settles most of the claims it receives and is reliable and efficient in its claim process.
How does Aditya Birla Health Insurance compare with other insurers in claim settlement?
Aditya Birla consistently performs among the top five health insurers in India based on CSR. Its performance is on par with reputed players like HDFC ERGO and Bajaj Allianz. This shows that it’s both consistent and dependable in settling claims on time.
Is in-house claim settlement faster than using TPAs?
Generally, yes. Aditya Birla’s in-house claims team works directly with its systems and hospital network, which often results in quicker cashless approvals—usually within 2 to 4 hours. However, the actual speed may vary depending on the hospital and the accuracy of submitted documents.
Where can I find the Aditya Birla Health Insurance Claim Settlement Ratio?
You can find the official Claim Settlement Ratio (CSR) for Aditya Birla Health Insurance (ABHI) through credible sources like the IRDAI Annual Report / Handbook and the ABHI Annual Report 2024–25. These reports, mandated by IRDAI, ensure transparency and allow customers to assess ABHI’s claim performance accurately. You can also turn to Ditto, India’s trusted insurance advisory platform, for regularly updated CSR insights and detailed analyses based on verified IRDAI data.
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