ManipalCigna Health Insurance
Standalone health insurer
Insurer claim record (FY24–26 average, NL-37)
92.69%
Claims settled by number, NL-37 Ditto method, FY24–FY26.
Complaints per 10,000 claims, FY24–26 average
32.17
FY26: 45.4. Source: NL-45 grievance disclosures.
Below the benchmark of 40 for standalone health insurers.
Incurred claim ratio (FY25)
74.81%
Claims paid out as a share of premium earned. FY23 64.66%, FY24 63.78%. Source: IRDAI annual reports.
Within the healthy range.
Network hospitals
14,000+ hospitals (insurer-stated)
As stated by the insurer.
Flags
- Complaints rising
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.