Aditya Birla Claim Settlement Ratio

Buying Health Insurance without knowing the company’s performance can cause problems during medical emergencies. One such factor to check when buying Health Insurance is its Claim Settlement Ratio (CSR). Why? Because what’s the need for a health insurance plan if your health insurance company cannot settle your claims on time?

Didn't understand? Read along to explore more about the Claim Settlement Ratio and its significance.

What is a Claim Settlement Ratio?

The claim settlement ratio or CSR is the percentage of claims paid by an insurance company. It compares the number of claims filed to the number of claims settled during a financial year.

Health Claim Settlement ratio = (Number of claims settled/Number of claims received) x 100

According to the latest report published by IRDAI in 2025, the claim settlement ratio of Aditya Birla Health Insurance Company is 92.97%.

How is a CSR Beneficial to Policyholders?

Before purchasing any new goods, we investigate their dependability and the brand’s reputation. The same is true when purchasing health insurance. Checking the company’s claim settlement ratio provides insight into its performance in claim settlement.

A higher claim settlement ratio indicates the company's capability to settle claims. Buying a health plan from a company with a good claim settlement ratio helps you and your family during medical emergencies.

Let’s understand this with a simple example:

Mr. Arora bought health insurance, but during his wife’s surgery, his health insurance company delayed the claim settlement process, causing distress among the family members.

With the above example, it is imperative to check the claim settlement ratio of your chosen company. If you have decided to buy health insurance from Aditya Birla, do not forget to check the claim settlement ratio of Aditya Birla Health Insurance and compare it with other top insurers.

Aditya Birla Health Insurance Network Hospital List

Aditya Birla Health Insurance Network Hospitals are present in 32 states nationwide. With a wide network of over 10,051 cashless hospitals, Aditya Birla Life Insurance ensures that you are medically secured, irrespective of the city you reside in.

Types of Aditya Birla Health Insurance Claims

There are two types of health insurance claims you can choose from at your convenience:

• Cashless Claim
• Reimbursement Claim

Let us take a look at both types of claim filing processes:

Cashless Claim

• To avail of the cashless facility, get admitted to any of the network hospitals of Aditya Health Insurance company.
• At the network hospital, show the cashless card of Aditya Birla Capital Health Insurance and valid ID proof like a Passport, PAN Card, Voting card, etc.
• Once identified, the network hospital will send the cashless hospitalization request form to the company.
• The company will review the form. After completing the formalities, the decision will be forwarded to you through SMS and E-mail.
• Once approved, the payment will be made to the network hospital.

For planned hospitalization, submit the form 3 days in advance. For emergency cases, submit it within 48 hours after hospitalization.

Reimbursement Claim

If admitted to a non-network hospital, pay the hospital directly after the treatment is done.

1. To file a claim, submit the documents to Aditya Birla within 15 days of discharge:

The documents required are:

• Claim form (Part A & B)
• Health card
• KYC documents
• Original discharge summary
• Hospital bills
• The invoice with payment receipt
• All consultation papers
• Others

2. After reviewing the documents, Aditya Birla will make the appropriate decision, and if approved, the amount will be reimbursed through NEFT to the registered bank account.

Inform the company within 48 hours (in case of emergency hospitalization) and 3 days before your admission (for planned hospitalization).

How can I track my Aditya Birla Claim Status?

To check the claim status of your Aditya Birla Health Insurance policy, follow these steps:

• Visit the official website of Aditya Birla Health Insurance Company.
• Click on the ‘Claims’ section, select "Check Claim Status" from the drop-down menu, and then click on Track Claims.
• On the next page, fill in your credentials and log in.
• Once done, you can easily see the status of your claim on the page.

Conclusion

Aditya Birla Health Insurance’s claim settlement ratio of 92.97% as of 2025, coupled with its extensive network of over 10,051 cashless hospitals, demonstrates a strong commitment to policyholder support during medical emergencies. Choosing a health insurance provider involves a comprehensive evaluation of coverage, network, and claim settlement efficiency, empowering individuals to make informed decisions for their health and financial well-being.

Don’t leave your family’s health to chance. Visit PolicyX.com today to explore other comprehensive health plans and secure your future.