Which is better: Go Digit General Insurance or ICICI Prudential Life Insurance?

On claim settlement ratio, ICICI Pru Life edges ahead. Go Digit had a CSR of 85.4% vs ICICI Pru Life at 97.9% in FY 2023-24.

Go Digit General Insurance vs ICICI Prudential Life Insurance

On CSR alone: ICICI Pru Life leads with a higher claim settlement ratio in FY 2023-24. But CSR is one data point — also compare plans, premiums, and network before deciding.

Metric	Go Digit	ICICI Pru Life
CSR 2023-24	85.40%	97.90%
Founded	2017	2001
HQ	Bengaluru	Mumbai
Type	general	life

Go Digit — Strengths

+Simple, jargon-free policy documents
+Fully digital claim filing via app or website
+Competitive premiums — especially for young buyers
+Strong motor insurance reputation transfers to health
+Listed company (BSE/NSE) — high transparency

ICICI Pru Life — Strengths

+97.90% claim settlement ratio (2023-24)
+iProtect Smart is one of the most-bought term plans online
+Same-day policy issuance for healthy profiles

Full Go Digit review →Full ICICI Pru Life review →