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Live data sourced from the Klaro product catalogue. Claim Settlement Ratio is from the IRDAI Annual Report.
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FAQ — IRDAI mandates
- Free-look period?
- 15 days from policy receipt for refund, less stamp duty + medical costs (IRDAI § 4 Health Reg 2016).
- Grace period for renewal?
- 15–30 days for monthly / quarterly / semi-annual / annual mode. No claim payable during grace if premium unpaid.
- How is the Claim Settlement Ratio computed?
- CSR = claims settled (count) ÷ claims reported (count) for the financial year, sourced from IRDAI Annual Report.
- What is the difference between CSR and Incurred Claim Ratio?
- CSR is volume-based (number of claims); ICR is value-based (claim amount paid ÷ premium earned). Both matter — CSR for ease of settlement, ICR for whether premiums are priced sustainably.
- Can I port my policy?
- Yes — under IRDAI portability rules, health insurance can be ported between insurers at renewal preserving accrued waiting periods.
All plan data is verified against the insurer's product master and the IRDAI UIN registry. CSR figures are refreshed on the first business day of each month from the IRDAI Annual Report.