When buying a health insurance policy, always check for the Claim Settlement Ratio (CSR) of the company that will give you an idea of how the insurance provider is doing in terms of settling claims successfully for its consumers. CSR is a unit of measurement regulated by the Insurance Regulatory and Development Authority of India (IRDAI) that is used to rate health insurance companies based on how many claims they settled in a calendar year compared to the total amount of claims filed. This is to assess the company's standing in the industry, so the higher the ratio, the more likely they are to settle your health insurance claims.