Shreya Jaiswal Instagram – If you want insurance that actually works when you’re hospitalised, read this
1) Claim Settlement Ratio (CSR) – don’t fall for the headline
CSR is misused all the time. Look at consistency over 5–10 years, not one flashy year. New insurers with 98–99% CSR but tiny claim volumes? That’s marketing. Not proof.
CSR without volume = noise.
2) Ownership & parentage matter
Ask who’s backing the insurer.
• PSU-backed → slower, but more claim-friendly
• Strong Indian groups → capital support in crises
• Weak / stretched parents → aggressive rejections when things get tough
3) Network hospital games
Big hospital list ≠ smooth cashless.
Some insurers:
• Show huge networks
• Delay approvals
• Downgrade rooms mid-treatment
Always check cashless success reviews, not just hospital count.
Policy vs Insurer – get the order right3
👉🏼 Choose a strong insurer
👉🏼 Pick the best policy within it
👉🏼Add riders later
Never reverse this.
Final truth:
Insurance doesn’t fail at purchase. It fails at claim time. And claim time is controlled by the insurer, not the policy PDF.
#healthinsurance #mediclaim #personalfinance #insurance | Posted on 21/Jan/2026 18:52:18
