AI Generated Content

This may include content generated using AI tools. Glance teams are making active and commercially reasonable efforts to moderate all AI generated content. Glance moderation processes are improving however our processes are carried out on a best-effort basis and may not be exhaustive in nature. Glance encourage our users to consume the content judiciously and rely on their own research for accuracy of facts. Glance maintains that all AI generated content here is for entertainment purposes only.

Navigating Dissatisfaction: India's Top 10 Health Insurers by Policyholder Complaints

SUMMARY

AI Generated Content
  • Star Health tops FY25 complaints
  • 12,186 grievances lodged against it
  • Understand ratios for policy choice
Read More
Read more
AD

WHAT'S THE STORY?

Facing issues with your health insurance? Learn which companies received the most complaints in FY24-25 and why understanding these numbers matters for your policy choice.

Complaint Landscape Erupts

Recent analyses of insurance ombudsman data for the fiscal year 2024-25 reveal a concerning trend of increasing policyholder dissatisfaction across India's

health insurance sector. Many individuals find themselves at odds with their insurers due to various issues, ranging from misleading sales tactics and inadequate customer support to protracted claim settlements and outright claim rejections. This widespread discontent has led to a substantial number of formal complaints being lodged. The Council of Insurance Ombudsman (CIO) annual report, in conjunction with IRDAI statistics, sheds light on which companies are most frequently the subject of these grievances, providing a critical benchmark for evaluating insurer performance and customer satisfaction levels. Understanding these complaint figures is vital for consumers seeking reliable health coverage.

Star Health Leads Complaints

Star Health and Allied Insurance Co. Ltd. stands out significantly in the realm of policyholder complaints, amassing an overwhelming 12,186 grievances during FY2024-25. This figure encompasses both ongoing complaints from the previous year and those filed anew within the current reporting period. Following a considerable distance, CARE Health garnered 4,423 complaints, while Niva Bupa Health Insurance registered 3,983 complaints. These three stand-alone health insurers dominated the top positions for customer dissatisfaction. Notably, among public sector insurers, only National Insurance Co. Ltd. managed to enter the top five, with 1,890 complaints, underscoring the disproportionate volume of issues faced by the leading private health insurers. The sheer magnitude of complaints against Star Health dwarfs those of its closest competitors, with the sum of complaints against the next four insurers still falling short of Star Health's total.

Complaint Ratios Unveiled

To contextualize the total complaint numbers, it's essential to examine the ratio of complaints relative to the number of policyholders. This metric, calculated by dividing the total complaints by the number of lives covered (in thousands) and multiplying by 100, provides a clearer picture of an insurer's customer service effectiveness per lakh policyholders. Star Health, despite its large policyholder base of 23,780 thousand, recorded a complaint rate of 51 per lakh policyholders. CARE Health, with 25,549 thousand lives covered, had 17 complaints per lakh, and Niva Bupa, covering 21,675 thousand lives, saw 18 complaints per lakh. Other insurers like Aditya Birla Health Insurance (12 per lakh), HDFC Ergo General Insurance (10 per lakh), and The Oriental Insurance (10 per lakh) also feature in the top ten. Interestingly, United India Insurance Co. Ltd., with the largest coverage of 168,779.44 thousand lives, reported the lowest ratio at just 1% (or 1 complaint per lakh policyholders), indicating a strong performance in customer service relative to its vast customer base.

Top Ten Complaint Leaders

The Council of Insurance Ombudsman's annual report for 2024-25, augmented by IRDAI statistics, identifies the top ten health insurers facing the highest number of policyholder complaints. Star Health and Allied Insurance Co. Ltd. leads this list with 12,186 complaints and a ratio of 51 complaints per lakh policyholders, based on 23,780 thousand lives covered. CARE Health Insurance Ltd. follows with 4,423 complaints, a ratio of 17 per lakh, and 25,549 thousand lives covered. NIVA BUPA Health Insurance Co. Ltd. is third with 3,983 complaints, a ratio of 18 per lakh, and 21,675 thousand lives covered. Aditya Birla Health Insurance Company Limited secured the fourth spot with 2,354 complaints, a ratio of 12 per lakh, and 18,962 thousand lives covered. National Insurance Co. Ltd. reported 1,890 complaints, a ratio of 5 per lakh, with 40,731.49 thousand lives covered. The New India Assurance Co. Ltd. received 1,706 complaints, a ratio of 2 per lakh, and covered 80,847.272 thousand lives. HDFC Ergo General Insurance Company Limited had 1,542 complaints, a ratio of 10 per lakh, from 15,654 thousand lives. The Oriental Insurance Co. Ltd. registered 1,456 complaints, a ratio of 10 per lakh, with 14,789.824 thousand lives. ICICI LOMBARD General Insurance Co.Ltd. garnered 974 complaints, a ratio of 2 per lakh, from 40,899 thousand lives. Finally, United India Insurance Co. Ltd. received 876 complaints, achieving the lowest ratio of 1 per lakh, despite covering the most lives at 168,779.44 thousand.

AD
More Stories You Might Enjoy

Juhu Beach Glows At Night: What Is Bioluminescence? Can We Watch It With Naked Eyes? Is It Open For All?

juhu beach in mumbai recently witnessed a rare natural phenomenon: glowing blue waves caused by bioluminescent plankton. this spectacle, rarely seen at the popular tourist spot, sparked debate online, with some doubting its authenticity while others confirmed a smaller scale occurrence. bioluminescence occurs when living organisms produce light through chemical reactions.

AI Generated Content
AD

5 Beach Treasures You Should Leave Behind: Protecting Coastal Ecosystems

leaving beach treasures like shells, sand, coral, and marine life behind is crucial for a healthy environment. these items help form sand, stabilize shorelines, provide shelter for creatures, and contribute to nutrient cycles. removing them disrupts natural processes, leading to erosion and habitat loss, prompting bans and regulations in many countries.

AI Generated Content

Over One-Third Of Indian Adults Have Metabolic Fatty Liver Disease: Lancet Study

a large study reveals nearly 40% of indian adults have metabolic-associated fatty liver disease (masld), a silent condition linked to obesity and diabetes. the findings, based on data from 27 cities, highlight a widespread public health problem with early liver damage prevalent. obesity is a key risk factor, and early detection through screening is crucial to prevent a growing burden on india's healthcare system.

AI Generated Content

Your Guide to Buying the Best Air Cooler in India: Features, Brands, and More

this guide simplifies choosing an air cooler by offering a price list and filters for brand, type, and capacity, helping you find the best fit from top indian brands like symphony, bajaj, and crompton.

AI Generated Content
AD

Delhi To Host 'Bhajan Clubbing' Events Across DU Colleges From Feb 10 To 19

delhi is launching "bhajan clubbing," a youth-focused initiative blending devotional music with modern clubbing. the government plans a devotional music series, vasantotsav 2026, across delhi university colleges, featuring various artists and aiming to connect young people with indian cultural traditions.

AI Generated Content

World Pulses Day 2026: History, significance, and top varieties with highest protein

world pulses day 2026 on february 10th celebrates lentils, chickpeas, beans, and peas as vital for global health, nutrition, and sustainability. these versatile legumes nourish bodies, enrich soil, and support farmers, contributing to food security and eco-friendly diets worldwide.

AI Generated Content

India's Hidden Gems: 5 Unbelievable Destinations You Must See!

discover india's hidden gems: ancient barabar caves in bihar, mystical borra caves in andhra pradesh, mini switzerland khajjiar in himachal pradesh, majestic tawang monastery in arunachal pradesh, and the beautiful chandratal lake. these destinations offer unique historical, geological, and natural wonders for unforgettable journeys.

AI Generated Content
AD

Lucknow Police deploy drones to curb kite flying and 'Chinese Manjha' use

lucknow police are cracking down on dangerous "chinese manjha" kite string with surveillance drones to prevent injuries and enforce bans. raids on shops, intelligence gathering, and community engagement are underway, alongside bridge patrols and drone-led investigations. two arrests were made for carrying sharp manjha. a robotics expert highlights the drones' capabilities for identifying kite flyers and locations.

AI Generated Content

World Pulses Day 2026: Ayurveda Explains Why Pulses Are A Daily Diet Essential

pulses, rich in fiber, protein, and essential nutrients, are vital for heart health, blood sugar control, and digestion. ayurveda recommends consuming them at lunch to balance kapha and pitta doshas, with specific preparation tips for rajma, chana dal, and masoor dal to maximize benefits and avoid digestive issues.

AI Generated Content

Refrigerator Price List India: Find Your Perfect Fridge

choosing a refrigerator involves considering capacity, door style, and energy efficiency, not just price. brands, features like frost-free and dispensers, and finishes also impact the decision for optimal kitchen integration and long-term savings.

AI Generated Content
AD