Public Sector
38,924
Total Grievances
Avg 28 per 10K policies • 5 insurers
Private Sector
98,437
Total Grievances
Avg 18 per 10K policies • 21 insurers
Standalone Health Insurers
46,151
Total Grievances
Avg 22 per 10K policies • 7 insurers
Key Insights
Total Grievances Soared 42%
Combined grievances across all sectors reached 1,83,512 in FY25 — a 42% jump from FY24.
Public Sector Worst Hit
Public sector insurers saw a 56% YoY rise in complaints, with pendency rates averaging 20%.
Standalone Health 33% Rise
Standalone health insurers reported 46,151 grievances — Star Health alone accounts for 44% of these.
Best Performers: Life Insurers
Life insurers have the lowest complaint ratios — LIC at just 0.6 per 10,000 policies.
Niva Bupa Fastest Rising
Niva Bupa complaints surged 50% YoY — the highest among standalone health insurers.
Acko: High CSR, Rising Complaints
Acko has the highest CSR at 99.98%, yet complaints rose 55% — indicating rapid policy growth.
Company-wise Complaint Data
| Insurer | Grievances | /10K | Pendency | CSR |
|---|---|---|---|---|
Niva Bupa | 7,970+50% | 14.5 | 18% | 86.8% |
Aditya Birla Health | 5,329+37% | 12.7 | 14% | 88.1% |
Care Health | 10,281+49% | 12.5 | 15% | 89.2% |
Star Health | 20,527+22% | 11.1 | 12% | 87.5% |
ManipalCigna | 3,120+28% | 11.1 | 10% | 90.5% |
National Insurance | 9,800+62% | 8.9 | 22% | 91.79% |
Oriental Insurance | 8,200+58% | 8.6 | 20% | 90.5% |
United India Insurance | 7,200+50% | 8.2 | 19% | 92.1% |
Digit Insurance | 5,800+48% | 7.4 | 11% | 96.3% |
Zuno (ERGO) | 3,100+25% | 6.9 | 8% | 98.13% |
New India Assurance | 12,500+55% | 6.9 | 18% | 93.2% |
Acko General | 6,200+55% | 6.5 | 6% | 99.98% |
SBI General | 5,400+32% | 6.4 | 9% | 97.51% |
Reliance General | 8,100+40% | 6.2 | 12% | 99.32% |
Tata AIG | 8,900+42% | 5.6 | 10% | 94.14% |
ICICI Lombard | 15,200+35% | 4.9 | 8% | 96.7% |
HDFC ERGO | 12,800+30% | 4.6 | 7% | 98.85% |
Bajaj Allianz | 11,500+38% | 4.6 | 9% | 95.2% |
Max Life | 5,200+33% | 2 | 5% | 99.08% |
HDFC Life | 9,800+38% | 1.9 | 4% | 99.37% |
ICICI Prudential Life | 6,800+30% | 1.9 | 4% | 98.2% |
SBI Life | 7,600+35% | 1.8 | 3% | 98.5% |
LIC of India | 14,200+45% | 0.6 | 5% | 98.52% |
Paliwal Secure se Pro Tip
Always check an insurer's complaint ratio before buying. Insurers with <10 complaints per 10,000 policies generally have smoother claims processing.
Hum Kaise Calculate Karte Hain
Complaints per 10,000 Policies
Total grievances ÷ Policies in Force × 10,000. Yeh insurer size ke liye normalize karta hai.
Complaints per ₹1 Crore Premium
Total grievances ÷ Gross Premium Collected (₹ Cr). Premium volume ke relative complaint intensity dikhata hai.
Pendency Rate
31 March 2025 tak unresolved complaints ka percentage. Higher pendency = slower resolution.
Source: IRDAI Annual Report 2024-25. Figures for grievances reported on Bima Bharosa portal. Pendency includes complaints unresolved as of March 31, 2025. Premium and policy figures are approximate based on IRDAI market share data.