Liberty General Insurance
Private general insurer
Insurer claim record (FY24–26 average, NL-37)
97.35%
Over 100% is a reporting artefact of the NL-37 method.
Claims settled by number, NL-37 Ditto method, FY24–FY26.
Complaints per 10,000 claims, FY24–26 average
14.65
FY26: 16.88. Source: NL-45 grievance disclosures.
Below the benchmark of 20 for general insurers.
Incurred claim ratio (FY25)
92.99%
Claims paid out as a share of premium earned. FY23 74.17%, FY24 79.92%. Source: IRDAI annual reports.
Pays out most of what it earns; watch renewals.
Network hospitals
6,000+ hospitals (insurer-stated)
As stated by the insurer.
Flags
- FY26 CSR over 100% is a methodology artefact
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.