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We analysed 12 years of IRDAI data on claims settlement, lapse rates, persistency, and solvency, and dug into 173 consumer court judgments and three years of ombudsman complaints. These are the stories that emerged.
Claim settlement ratio analysis by count and amount, rejection patterns, and COVID-era claims data from IRDAI handbooks.
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Analysis of 173 life insurance consumer court cases, ombudsman complaint data, and dispute resolution patterns.
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Policy lapse ratios, persistency decay curves, and the cost of lapsed coverage across India's life insurance industry.
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Solvency ratio trends, IRDAI penalty reports, grievance trajectories, and distribution channel data for every major life insurer.
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The Gyansurance Trust Index: composite insurer scores across claims, persistency, grievances, and solvency from IRDAI data.
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We calculated complainant win rates for every life insurer using three years of ombudsman data. Bharti AXA alone accounts for 18% of all complaints. The industry-wide win rate dropped from 50.7% to 41.0%. Here is the full scorecard.
Every life insurer in India must maintain a solvency ratio of at least 1.50x. We analysed 44 quarters of IRDAI data (March 2014 to March 2025) to show which insurers have the strongest capital cushions, which are cutting it close, and what the trends mean for your policy.
In FY 2024-25, approximately 86 lakh individual life insurance policies lapsed across India, erasing ₹8.7 lakh crore in coverage. Twelve years of IRDAI data reveals which insurers lose the most policyholders, which have turned their numbers around, and what persistency tells you about mis-selling.
Death claims jumped 84% during COVID, payouts surged 147%. But the real surprise: rejection rates dropped to a 12-year low during the pandemic, then climbed to a 12-year high by FY 2024-25. We tracked 12 years of IRDAI data to map the full impact.
We analysed 173 life insurance cases at the NCDRC. Non-disclosure causes 65.3% of rejections, but policyholders win 57.3% of decided cases. Here’s what the data shows about why claims get denied and how families fight back.
We ranked every life insurer by CSR by amount using IRDAI Handbook 2024-25 data. The gap between count-based and amount-based claim settlement ratios reveals which insurers fight big claims.