HDFC ERGO General Insurance
Private general insurer
Insurer claim record (FY24–26 average, NL-37)
97.61%
Claims settled by number, NL-37 Ditto method, FY24–FY26.
Complaints per 10,000 claims, FY24–26 average
8.87
FY26: 4.99. Source: NL-45 grievance disclosures.
Below the benchmark of 20 for general insurers.
Incurred claim ratio (FY25)
84.85%
Claims paid out as a share of premium earned. FY23 79.04%, FY24 80.98%. Source: IRDAI annual reports.
Within the healthy range.
Network hospitals
16,000+ hospitals (insurer-stated)
As stated by the insurer.
Flags
- Top-tier CSR and complaints
Source: Ditto Data Lab compilation of IRDAI NL-37, NL-45 and annual reports, 7 September 2026. CSR by number of claims, NL-37 Ditto method.