HDFC Ergo has high CSR, It has numerous cases of claim rejection

HDFC Ergo has high CSR,
It has numerous cases of claim rejection

Star Health has a low CSR,
It has numerous cases of claim acceptance


The claims settlement ratio is not the correct objective metric to evaluate the insurer, it's a One of the tool only.

We have to Check the
Quality of policy,
Claims experience,
The ability of the insurer to evaluate ur queries is some key parameter one should see while evaluating an insurer 
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