Aniket Nigam

Disclaimer. Aniket Nigam is not an IRDAI-licensed broker or insurance agent. The material on ClaimRatio is informational only and is not insurance advice. Verify any figure against the original IRDAI report before acting on it, and speak to a licensed advisor for product recommendations.

Who I am

I am Aniket Nigam, the independent developer who built and maintains ClaimRatio. My background is in software, not insurance sales. I started this site because every practical question I had about a policy, claim ratio, grievance count, solvency margin, product launches, was already answered inside the IRDAI annual report. The data was public. Only the lead form on a comparison site was standing between me and the number I wanted.

What I cover

On ClaimRatio I write about Indian insurance regulation, IRDAI disclosures, and claim settlement analysis. Specific topics include how the Claims Payment Ratio is reported in the IRDAI annual report, how to read the solvency margin table, how grievance resolution numbers are disclosed, and how to compare two life or health insurers using the publicly available figures. I do not write product recommendations, and I do not rank insurers outside the order set by IRDAI disclosed data.

Editorial standards

Every claim-ratio figure on the site links to its source year. Every data update is dated. When an insurer changes name after a merger or de-registration, the old and new entries are cross-referenced so historical tables remain readable. Corrections are welcome, and prior values are kept in the changelog rather than silently overwritten.

Contact

For data corrections, missing insurers, press questions, or research collaboration, email hello@claimratio.com. Technical details about the data pipeline are on the methodology page.