Which is better: Go Digit General Insurance or Star Health and Allied Insurance?

On claim settlement ratio, Star Health edges ahead. Go Digit had a CSR of 85.4% vs Star Health at 91.27% in FY 2023-24.

Go Digit General Insurance vs Star Health and Allied Insurance

On CSR alone: Star Health 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	Star Health
CSR 2023-24	85.40%	91.27%
Founded	2017	2006
HQ	Bengaluru	Chennai
Type	general	health

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

Star Health — Strengths

+Largest standalone health insurer in India
+91.27% claim settlement ratio (2023-24)
+14,000+ network hospitals across India
+Day 1 cover for accidents

Full Go Digit review →Full Star Health review →