Topic

Trust Index

The Gyansurance Trust Index: composite insurer scores across claims, persistency, grievances, and solvency from IRDAI data.

2 articles

All Articles

Data-Backed GyanTrust Index

LIC or Private Insurer? What 10 Years of Data Actually Shows

Cheat sheet LIC handles 84% of all death claims by count but only 62% by amount. Private insurers handle fewer claims but each one is worth 3.2x more on average. Private insurers now have a higher CSR by count (99.18%) than LIC (98.93%) as of FY 2024-25. This flipped in FY 2023-24 after decades of … Read more

26 March 202612 min read

Data-Backed GyanTrust Index

3 Warning Signs Your Insurer Has a Mis-Selling Problem

Cheat sheet Mis-selling doesn’t leave a receipt. But IRDAI data creates a fingerprint: low persistency + high ombudsman complaints + rising grievances = a pattern you should check before buying. If fewer than 50% of an insurer’s policyholders survive to the 5-year mark, something went wrong at the point of sale. At Bharti AXA, only … Read more

26 March 202612 min read