Claim Settlement Ratio vs. Amount Settlement Ratio
A 99% Claim Settlement Ratio (CSR) looks amazing on a billboard, but it is often a vanity metric. To know if an insurer will actually pay your massive ₹2 Crore claim, you must look at the Amount Settlement Ratio (ASR).
- The Volume Trick: How insurers pad their stats by settling thousands of tiny claims while rejecting the life-changing big ones.
- The Sanity Metric: Why ASR reveals the true integrity and “big-ticket” reliability of an insurance company.
- The 3-Year Shield: Understanding Section 45—the point where an insurer legally cannot reject your claim for any reason.
Watch this video to uncover the “Sanity Metrics” you must check before trusting an insurer with your family’s future.