Navi General Insurance
Private general insurer
Insurer claim record (FY24–26 average, NL-37)
79.82%
Claims settled by number, NL-37 Ditto method, FY24–FY26.
Complaints per 10,000 claims, FY24–26 average
220.47
FY26: 42.56. Source: NL-45 grievance disclosures.
Above the benchmark of 20 for general insurers.
Incurred claim ratio (FY25)
101.89%
Claims paid out as a share of premium earned. FY23 59.28%, FY24 59.4%. Source: IRDAI annual reports.
Pays out more than it earns; premium-hike risk.
Network hospitals
12,000+ hospitals (insurer-stated)
As stated by the insurer.
Flags
- Extreme complaint history
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.