Telugu Policy

20/03/2026

ఇన్సూరెన్స్ లో క్లెయిమ్ సెటిల్ మెంట్ రేషియో అంటే ఏమిటి?
What is claims Settlement Ratio? 😳 Must know before buying insurance!
Claim Settlement Ratio – Description
Claim Settlement Ratio (CSR) is a key performance indicator used in the insurance industry to measure the reliability of an insurance company.
It represents the percentage of total claims settled by the insurer out of the total claims received during a specific period (usually one financial year).
📊 In simple words:
It tells you how many claims a company actually pays compared to how many it receives.
📊 Formula
CSR = (Number of Claims Settled / Total Claims Received) × 100
📊 Example
If an insurance company receives 1,000 claims in a year and settles 950 claims,
👉 the Claim Settlement Ratio is 95%
⚠️ Importance
Helps customers evaluate the trustworthiness of an insurer
A higher CSR indicates a better track record of settling claims
A lower CSR may indicate higher chances of claim rejection
💡 Conclusion
Before buying any insurance policy, checking the Claim Settlement Ratio of the company is essential to ensure your claim is more likely to be honored when needed.

17/03/2026

Claim Settlement Ratio (CSR) in Insurance – What It Means? ఇన్సూరెన్స్ లో క్లెయిమ్ సెటిల్మెంట్ రేషియో అంటే ఏమిటి? #
Claim Settlement Ratio (CSR) is an important indicator used to measure the reliability of an insurance company.
It shows the percentage of claims settled by an insurer compared to the total claims received in a year.
For example:
If an insurance company receives 10,000 claims in a year and settles 9,700 claims, then the Claim Settlement Ratio is 97%.
👉 A higher CSR generally indicates that the insurer is more likely to settle claims.
👉 A lower CSR may indicate higher chances of claim rejection.
Before buying life insurance or health insurance, always check the Claim Settlement Ratio of the company.
✔ Helps in choosing a reliable insurer
✔ Shows company claim paying ability
✔ Published every year by IRDAI

14/03/2026

What Are Network Hospitals in Health Insurance?
Network hospitals are hospitals that have a tie-up with an insurance company or Third Party Administrator (TPA).
If a policyholder gets treatment in a network hospital, they can avail cashless treatment, which means the insurance company directly settles the medical bill with the hospital as per the policy terms.
However, if treatment is taken in a non-network hospital, the patient must first pay the hospital bill themselves and later claim reimbursement from the insurance company.
Therefore, choosing a health insurance policy with a large network hospital list is very important for easy and hassle-free treatment.
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13/03/2026

Insurance Act Section 45 Explained | Insurance Claim Rejection Rules in India




terminsurance
Section 45 of the Insurance Act, 1938 is a very important rule for policyholders in India.
According to Section 45, an insurance company cannot question or reject a life insurance policy after 3 years from the date of:
Policy issuance
Policy revival
Policy rider addition
After 3 years, the insurer cannot deny the claim unless they prove fraud.
This rule protects policyholders and their families from unfair claim rejections.
👉 So always give correct information while buying insurance, because fraud can still lead to claim rejection even after 3 years.

12/03/2026

Health Insurance Moratorium Period Explained | Know Your Rights


According to IRDAI rules, if a health insurance policy runs continuously for 5 years, the insurance company cannot reject claims by questioning pre-existing diseases or non-disclosure (except fraud). This rule protects policyholders and ensures long-term security.
Understanding the moratorium period helps you avoid claim rejections and know your rights as a policyholder.

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31/10/2025

20/09/2025

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25/02/2025

20/02/2025

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