Lok Sabha Question No. 396 (UNSTARRED), answered on 2019-06-24
Subject: Unfair Business Practice by Insurance Companies
Ministry: FINANCE
Asked by: Rahul Ramesh Shewale, Bhartruhari Mahtab

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA UNSTARRED QUESTION NO. 396

TO BE ANSWERED ON MONDAY, JUNE 24, 2019/ASHADHA 3, 1941 (SAKA)

## UNFAIR BUSINESS PRACTICES OF INSURANCE COMPANIES

396. SHRI RAHUL RAMESH SHEWALE: SHRI BHARTRUHARI MAHTAB:

Will the Minister of FINANCE be pleased to state:-

(a) whether the Government has taken note of increasing complaints against the public and private sector general insurance companies under the category of Unfair Business Practice at the  point  of  sale  during  each  of  the  last  three  years  and  the  current  year,  if  so,  the  details thereof, insurance company-wise;

- (b)  the  action  taken  on  such  complaints  by  the  Government  Insurance  Regulatory  and Development  Authority  (IRDA)  along  with  the  number  of  erring  officials  of  the  said companies  found  guilty  in  such  complaints  and  action  taken  against  them  during  the  said period;
- (c)  whether  the  Government/IRDA  has  laid  down  guidelines  to  curb  such  unfair  business practice at the point of sale, if so, the details thereof including the mechanism put in place to monitor implementation of such guidelines in the country; and

(d) the other corrective steps taken by the Government in this direction?

## ANSWER

## THE FINANCE MINISTER (SMT NIRMALA SITHARAMAN)

(a) to (d): The Insurance Regulatory and Development Authority of India(IRDAI) has put in place  Integrated  Grievance  Management  System  (IGMS),  which  captures  the  complaints registered against all insurers. A statement showing the number of complaints received and attended to in the said system against both public and private general insurers during the last 3 years and the current year is given in Annexure.

IRDAI tracks the action of various insurers on such complaints and monitors resolution as per laid down time frame. The Authority has prescribed a time limit of 15 days for insurers to provide their final resolution to complaints.

IRDAI has notified IRDAI (Protection of Policyholders' Interests) Regulations, 2017. Vide Regulation 5(1)(iv) of the said Regulations, the IRDAI has mandated all insurers to have in place a board approved policy which shall contain steps to be taken to prevent mis-selling and  unfair  business  practices  at  point  of  sale  and  service.  Further,  vide  Regulation  6, prescribed specific point of sale provisions to be complied with by all insurers, agents and intermediaries.  In  case  any  insurer,  agent,  intermediary  violates  the  above  provision  the IRDAI can initiate action against them.

IRDA  (Advertisement  and  Disclosure)  Regulations,  2000  and  other  guidelines  relating  to advertisements  are  aimed  at  ensuring  that  any  communication  (including  those  on  the internet) which directly or indirectly result in eventual sale or solicitation of policy should not be unfair or misleading.

IRDAI has also notified various other regulations namely IRDAI (Appointment of Insurance Agents)  Regulations,2016,  IRDAI(  Registration  of  Corporate  Agents)  Regulations,2015, IRDAI  (  Insurance  Brokers  )  Regulations,  2018  prescribing  code  of  conduct  for  agents, corporate  agents  and  brokers  so  that  they  do  not  resort  to  mis  selling  and  unfair  business practices at point of sale.

********

| Annexure referred to in reply to Lok Sabha Un-Starred Question No. 396 for 24.06.2019 Complaints received against all general insurers during last 3 years and current year   | Annexure referred to in reply to Lok Sabha Un-Starred Question No. 396 for 24.06.2019 Complaints received against all general insurers during last 3 years and current year   | Annexure referred to in reply to Lok Sabha Un-Starred Question No. 396 for 24.06.2019 Complaints received against all general insurers during last 3 years and current year   | Annexure referred to in reply to Lok Sabha Un-Starred Question No. 396 for 24.06.2019 Complaints received against all general insurers during last 3 years and current year   | Annexure referred to in reply to Lok Sabha Un-Starred Question No. 396 for 24.06.2019 Complaints received against all general insurers during last 3 years and current year   | Annexure referred to in reply to Lok Sabha Un-Starred Question No. 396 for 24.06.2019 Complaints received against all general insurers during last 3 years and current year   | Annexure referred to in reply to Lok Sabha Un-Starred Question No. 396 for 24.06.2019 Complaints received against all general insurers during last 3 years and current year   | Annexure referred to in reply to Lok Sabha Un-Starred Question No. 396 for 24.06.2019 Complaints received against all general insurers during last 3 years and current year   | Annexure referred to in reply to Lok Sabha Un-Starred Question No. 396 for 24.06.2019 Complaints received against all general insurers during last 3 years and current year   | Annexure referred to in reply to Lok Sabha Un-Starred Question No. 396 for 24.06.2019 Complaints received against all general insurers during last 3 years and current year   | Annexure referred to in reply to Lok Sabha Un-Starred Question No. 396 for 24.06.2019 Complaints received against all general insurers during last 3 years and current year   | Annexure referred to in reply to Lok Sabha Un-Starred Question No. 396 for 24.06.2019 Complaints received against all general insurers during last 3 years and current year   | Annexure referred to in reply to Lok Sabha Un-Starred Question No. 396 for 24.06.2019 Complaints received against all general insurers during last 3 years and current year   | Annexure referred to in reply to Lok Sabha Un-Starred Question No. 396 for 24.06.2019 Complaints received against all general insurers during last 3 years and current year   | Annexure referred to in reply to Lok Sabha Un-Starred Question No. 396 for 24.06.2019 Complaints received against all general insurers during last 3 years and current year   | Annexure referred to in reply to Lok Sabha Un-Starred Question No. 396 for 24.06.2019 Complaints received against all general insurers during last 3 years and current year   | Annexure referred to in reply to Lok Sabha Un-Starred Question No. 396 for 24.06.2019 Complaints received against all general insurers during last 3 years and current year   | Annexure referred to in reply to Lok Sabha Un-Starred Question No. 396 for 24.06.2019 Complaints received against all general insurers during last 3 years and current year   | Annexure referred to in reply to Lok Sabha Un-Starred Question No. 396 for 24.06.2019 Complaints received against all general insurers during last 3 years and current year   | Annexure referred to in reply to Lok Sabha Un-Starred Question No. 396 for 24.06.2019 Complaints received against all general insurers during last 3 years and current year   |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                                                                                                                               | Name of the Insurer                                                                                                                                                           | 2016-17                                                                                                                                                                       | 2016-17                                                                                                                                                                       | 2016-17                                                                                                                                                                       | 2016-17                                                                                                                                                                       | 2017-18                                                                                                                                                                       | 2017-18                                                                                                                                                                       | 2017-18                                                                                                                                                                       | 2017-18                                                                                                                                                                       |                                                                                                                                                                               |                                                                                                                                                                               |                                                                                                                                                                               |                                                                                                                                                                               | 2018-19                                                                                                                                                                       | 2018-19                                                                                                                                                                       | 2018-19                                                                                                                                                                       | 2018-19                                                                                                                                                                       | 2018-19                                                                                                                                                                       | 2018-19                                                                                                                                                                       |
| S.No                                                                                                                                                                          | Name of the Insurer                                                                                                                                                           | Opening Balance                                                                                                                                                               | Reported during the year                                                                                                                                                      | Attended to during the year                                                                                                                                                   | Pending at end of the year                                                                                                                                                    | Opening Balance                                                                                                                                                               | Reported during the year                                                                                                                                                      | Attended to during the year                                                                                                                                                   | Pending at the end of the year                                                                                                                                                | Opening Balance                                                                                                                                                               | Reported during the year                                                                                                                                                      | Attended to during the year                                                                                                                                                   | Pending at the end of the year                                                                                                                                                | Opening Balance                                                                                                                                                               | Reported during the year                                                                                                                                                      | to the year                                                                                                                                                                   | Attended during                                                                                                                                                               | Pending the end                                                                                                                                                               | at of                                                                                                                                                                         |
| 1                                                                                                                                                                             | Agriculture Insurance*                                                                                                                                                        | -                                                                                                                                                                             | -                                                                                                                                                                             | -                                                                                                                                                                             | -                                                                                                                                                                             | -                                                                                                                                                                             | -                                                                                                                                                                             | -                                                                                                                                                                             | -                                                                                                                                                                             | 0                                                                                                                                                                             | 12                                                                                                                                                                            | 12                                                                                                                                                                            | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 4                                                                                                                                                                             | 2                                                                                                                                                                             | 2                                                                                                                                                                             | 2                                                                                                                                                                             | 2                                                                                                                                                                             |
| 2                                                                                                                                                                             | ECGC of India                                                                                                                                                                 | 55                                                                                                                                                                            | 8                                                                                                                                                                             | 11                                                                                                                                                                            | 52                                                                                                                                                                            | 52                                                                                                                                                                            | 9                                                                                                                                                                             | 8                                                                                                                                                                             | 53                                                                                                                                                                            | 53                                                                                                                                                                            | 15                                                                                                                                                                            | 68                                                                                                                                                                            | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             |
| 3                                                                                                                                                                             | National Insurance                                                                                                                                                            | 180                                                                                                                                                                           | 4680                                                                                                                                                                          | 4671                                                                                                                                                                          | 189                                                                                                                                                                           | 189                                                                                                                                                                           | 5571                                                                                                                                                                          | 5591                                                                                                                                                                          | 169                                                                                                                                                                           | 169                                                                                                                                                                           | 4739                                                                                                                                                                          | 4891                                                                                                                                                                          | 17                                                                                                                                                                            | 17                                                                                                                                                                            | 856                                                                                                                                                                           | 708                                                                                                                                                                           | 165                                                                                                                                                                           | 165                                                                                                                                                                           | 165                                                                                                                                                                           |
| 4                                                                                                                                                                             | The New India Assurance                                                                                                                                                       | 139                                                                                                                                                                           | 4208                                                                                                                                                                          | 4312                                                                                                                                                                          | 35                                                                                                                                                                            | 35                                                                                                                                                                            | 4820                                                                                                                                                                          | 4852                                                                                                                                                                          | 3                                                                                                                                                                             | 3                                                                                                                                                                             | 5164                                                                                                                                                                          | 5137                                                                                                                                                                          | 30                                                                                                                                                                            | 30                                                                                                                                                                            | 1020                                                                                                                                                                          | 703                                                                                                                                                                           | 347                                                                                                                                                                           | 347                                                                                                                                                                           | 347                                                                                                                                                                           |
| 5                                                                                                                                                                             | The Oriental Insurance                                                                                                                                                        | 129                                                                                                                                                                           | 2673                                                                                                                                                                          | 2672                                                                                                                                                                          | 130                                                                                                                                                                           | 130                                                                                                                                                                           | 2743                                                                                                                                                                          | 2121                                                                                                                                                                          | 752                                                                                                                                                                           | 752                                                                                                                                                                           | 2634                                                                                                                                                                          | 3359                                                                                                                                                                          | 27                                                                                                                                                                            | 27                                                                                                                                                                            | 538                                                                                                                                                                           | 357                                                                                                                                                                           | 208                                                                                                                                                                           | 208                                                                                                                                                                           | 208                                                                                                                                                                           |
| 6                                                                                                                                                                             | United India Insurance                                                                                                                                                        | 22                                                                                                                                                                            | 7484                                                                                                                                                                          | 7394                                                                                                                                                                          | 112                                                                                                                                                                           | 112                                                                                                                                                                           | 9425                                                                                                                                                                          | 9212                                                                                                                                                                          | 325                                                                                                                                                                           | 325                                                                                                                                                                           | 8404                                                                                                                                                                          | 8464                                                                                                                                                                          | 265                                                                                                                                                                           | 265                                                                                                                                                                           | 1600                                                                                                                                                                          | 860                                                                                                                                                                           | 1005                                                                                                                                                                          | 1005                                                                                                                                                                          | 1005                                                                                                                                                                          |
|                                                                                                                                                                               | (i) Total - PSU insurers                                                                                                                                                      | 525                                                                                                                                                                           | 19053                                                                                                                                                                         | 19060                                                                                                                                                                         | 518                                                                                                                                                                           | 518                                                                                                                                                                           | 22568                                                                                                                                                                         | 21784                                                                                                                                                                         | 1302                                                                                                                                                                          | 1302                                                                                                                                                                          | 20968                                                                                                                                                                         | 21931                                                                                                                                                                         | 339                                                                                                                                                                           | 339                                                                                                                                                                           | 4018                                                                                                                                                                          | 2630                                                                                                                                                                          | 1727                                                                                                                                                                          | 1727                                                                                                                                                                          | 1727                                                                                                                                                                          |
| 1 Acko General                                                                                                                                                                | 1 Acko General                                                                                                                                                                | 1 Acko General                                                                                                                                                                | 1 Acko General                                                                                                                                                                | 1 Acko General                                                                                                                                                                | 1 Acko General                                                                                                                                                                | 1 Acko General                                                                                                                                                                | 1 Acko General                                                                                                                                                                | 1 Acko General                                                                                                                                                                | 1 Acko General                                                                                                                                                                | 0                                                                                                                                                                             | 11                                                                                                                                                                            | 11                                                                                                                                                                            | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 186                                                                                                                                                                           | 173                                                                                                                                                                           | 13                                                                                                                                                                            | 13                                                                                                                                                                            | 13                                                                                                                                                                            |
| 2                                                                                                                                                                             | Aditya Birla Health                                                                                                                                                           | 0                                                                                                                                                                             | 5                                                                                                                                                                             | 4                                                                                                                                                                             | 1                                                                                                                                                                             | 1                                                                                                                                                                             | 251                                                                                                                                                                           | 145                                                                                                                                                                           | 107                                                                                                                                                                           | 107                                                                                                                                                                           | 595                                                                                                                                                                           | 702                                                                                                                                                                           | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 147                                                                                                                                                                           | 140                                                                                                                                                                           | 7                                                                                                                                                                             | 7                                                                                                                                                                             | 7                                                                                                                                                                             |
| 3                                                                                                                                                                             | Apollo MUNICH Health                                                                                                                                                          | 4                                                                                                                                                                             | 1097                                                                                                                                                                          | 1081                                                                                                                                                                          | 20                                                                                                                                                                            | 20                                                                                                                                                                            | 929                                                                                                                                                                           | 918                                                                                                                                                                           | 31                                                                                                                                                                            | 31                                                                                                                                                                            | 1211                                                                                                                                                                          | 1230                                                                                                                                                                          | 12                                                                                                                                                                            | 12                                                                                                                                                                            | 313                                                                                                                                                                           | 288                                                                                                                                                                           | 37                                                                                                                                                                            | 37                                                                                                                                                                            | 37                                                                                                                                                                            |
| 4                                                                                                                                                                             | Bajaj Allianz General                                                                                                                                                         | 49                                                                                                                                                                            | 917                                                                                                                                                                           | 959                                                                                                                                                                           | 7                                                                                                                                                                             | 7                                                                                                                                                                             | 914                                                                                                                                                                           | 919                                                                                                                                                                           | 2                                                                                                                                                                             | 2                                                                                                                                                                             | 1052                                                                                                                                                                          | 1052                                                                                                                                                                          | 2                                                                                                                                                                             | 2                                                                                                                                                                             | 221                                                                                                                                                                           | 211                                                                                                                                                                           | 12                                                                                                                                                                            | 12                                                                                                                                                                            | 12                                                                                                                                                                            |
| 5                                                                                                                                                                             | Bharati Axa General                                                                                                                                                           | 37                                                                                                                                                                            | 3579                                                                                                                                                                          | 3609                                                                                                                                                                          | 7                                                                                                                                                                             | 7                                                                                                                                                                             | 1943                                                                                                                                                                          | 1944                                                                                                                                                                          | 6                                                                                                                                                                             | 6                                                                                                                                                                             | 1350                                                                                                                                                                          | 1352                                                                                                                                                                          | 4                                                                                                                                                                             | 4                                                                                                                                                                             | 165                                                                                                                                                                           | 155                                                                                                                                                                           | 14                                                                                                                                                                            | 14                                                                                                                                                                            | 14                                                                                                                                                                            |
| 6                                                                                                                                                                             | Cholamandalam MS General                                                                                                                                                      | 10                                                                                                                                                                            | 1670                                                                                                                                                                          | 1677                                                                                                                                                                          | 3                                                                                                                                                                             | 3                                                                                                                                                                             | 439                                                                                                                                                                           | 440                                                                                                                                                                           | 2                                                                                                                                                                             | 2                                                                                                                                                                             | 233                                                                                                                                                                           | 235                                                                                                                                                                           | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 35                                                                                                                                                                            | 35                                                                                                                                                                            | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             |
| 7                                                                                                                                                                             | CignaTTK Health                                                                                                                                                               | 6                                                                                                                                                                             | 1020                                                                                                                                                                          | 1018                                                                                                                                                                          | 8                                                                                                                                                                             | 8                                                                                                                                                                             | 702                                                                                                                                                                           | 707                                                                                                                                                                           | 3                                                                                                                                                                             | 3                                                                                                                                                                             | 709                                                                                                                                                                           | 709                                                                                                                                                                           | 3                                                                                                                                                                             | 3                                                                                                                                                                             | 136                                                                                                                                                                           | 126                                                                                                                                                                           | 13                                                                                                                                                                            | 13                                                                                                                                                                            | 13                                                                                                                                                                            |
| 8 DHFL General                                                                                                                                                                | 8 DHFL General                                                                                                                                                                | 8 DHFL General                                                                                                                                                                | 8 DHFL General                                                                                                                                                                | 8 DHFL General                                                                                                                                                                | 8 DHFL General                                                                                                                                                                | 8 DHFL General                                                                                                                                                                | 8 DHFL General                                                                                                                                                                | 8 DHFL General                                                                                                                                                                | 8 DHFL General                                                                                                                                                                | 0                                                                                                                                                                             | 12                                                                                                                                                                            | 12                                                                                                                                                                            | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 5                                                                                                                                                                             | 5                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             |
| 9 Edelweiss General                                                                                                                                                           | 9 Edelweiss General                                                                                                                                                           | 9 Edelweiss General                                                                                                                                                           | 9 Edelweiss General                                                                                                                                                           | 9 Edelweiss General                                                                                                                                                           | 9 Edelweiss General                                                                                                                                                           | 9 Edelweiss General                                                                                                                                                           | 9 Edelweiss General                                                                                                                                                           | 9 Edelweiss General                                                                                                                                                           | 9 Edelweiss General                                                                                                                                                           | 0                                                                                                                                                                             | 3                                                                                                                                                                             | 3                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             |
| 10                                                                                                                                                                            | Future Generali India                                                                                                                                                         | 1                                                                                                                                                                             | 2075                                                                                                                                                                          | 2073                                                                                                                                                                          | 3                                                                                                                                                                             | 3                                                                                                                                                                             | 1113                                                                                                                                                                          | 1113                                                                                                                                                                          | 3                                                                                                                                                                             | 3                                                                                                                                                                             | 602                                                                                                                                                                           | 605                                                                                                                                                                           | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 91                                                                                                                                                                            | 84                                                                                                                                                                            | 7                                                                                                                                                                             | 7                                                                                                                                                                             | 7                                                                                                                                                                             |
| 11 Go Digit General                                                                                                                                                           | 11 Go Digit General                                                                                                                                                           | 11 Go Digit General                                                                                                                                                           | 11 Go Digit General                                                                                                                                                           | 11 Go Digit General                                                                                                                                                           | 11 Go Digit General                                                                                                                                                           | 11 Go Digit General                                                                                                                                                           | 11 Go Digit General                                                                                                                                                           | 11 Go Digit General                                                                                                                                                           | 11 Go Digit General                                                                                                                                                           | 0                                                                                                                                                                             | 117                                                                                                                                                                           | 117                                                                                                                                                                           | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 9                                                                                                                                                                             | 8                                                                                                                                                                             | 1                                                                                                                                                                             | 1                                                                                                                                                                             | 1                                                                                                                                                                             |
| 12                                                                                                                                                                            | HDFC ERGO General                                                                                                                                                             | 16                                                                                                                                                                            | 2900                                                                                                                                                                          | 2916                                                                                                                                                                          | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 1037                                                                                                                                                                          | 1037                                                                                                                                                                          | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 1070                                                                                                                                                                          | 1070                                                                                                                                                                          | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 193                                                                                                                                                                           | 190                                                                                                                                                                           | 3                                                                                                                                                                             | 3                                                                                                                                                                             | 3                                                                                                                                                                             |
| 13                                                                                                                                                                            | ICICI Lombard General                                                                                                                                                         | 90                                                                                                                                                                            | 3587                                                                                                                                                                          | 3589                                                                                                                                                                          | 88                                                                                                                                                                            | 88                                                                                                                                                                            | 3037                                                                                                                                                                          | 3091                                                                                                                                                                          | 34                                                                                                                                                                            | 34                                                                                                                                                                            | 2929                                                                                                                                                                          | 2889                                                                                                                                                                          | 74                                                                                                                                                                            | 74                                                                                                                                                                            | 555                                                                                                                                                                           | 507                                                                                                                                                                           | 122                                                                                                                                                                           | 122                                                                                                                                                                           | 122                                                                                                                                                                           |
| 14                                                                                                                                                                            | IFFCO Tokio General                                                                                                                                                           | 1                                                                                                                                                                             | 1781                                                                                                                                                                          | 1781                                                                                                                                                                          | 1                                                                                                                                                                             | 1                                                                                                                                                                             | 1044                                                                                                                                                                          | 1029                                                                                                                                                                          | 16                                                                                                                                                                            | 16                                                                                                                                                                            | 707                                                                                                                                                                           | 722                                                                                                                                                                           | 1                                                                                                                                                                             | 1                                                                                                                                                                             | 117                                                                                                                                                                           | 89                                                                                                                                                                            | 29                                                                                                                                                                            | 29                                                                                                                                                                            | 29                                                                                                                                                                            |
| 15                                                                                                                                                                            | Kotak General                                                                                                                                                                 | 0                                                                                                                                                                             | 25                                                                                                                                                                            | 23                                                                                                                                                                            | 2                                                                                                                                                                             | 2                                                                                                                                                                             | 63                                                                                                                                                                            | 65                                                                                                                                                                            | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 71                                                                                                                                                                            | 69                                                                                                                                                                            | 2                                                                                                                                                                             | 2                                                                                                                                                                             | 12                                                                                                                                                                            | 11                                                                                                                                                                            | 3                                                                                                                                                                             | 3                                                                                                                                                                             | 3                                                                                                                                                                             |
| 16                                                                                                                                                                            | L&T General                                                                                                                                                                   | 0                                                                                                                                                                             | 409                                                                                                                                                                           | 409                                                                                                                                                                           | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 137                                                                                                                                                                           | 137                                                                                                                                                                           | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 5                                                                                                                                                                             | 5                                                                                                                                                                             | 0                                                                                                                                                                             | 0 1                                                                                                                                                                           |                                                                                                                                                                               |                                                                                                                                                                               | 1                                                                                                                                                                             | 1                                                                                                                                                                             | 0                                                                                                                                                                             |
| 17                                                                                                                                                                            | Liberty Videocon Genral                                                                                                                                                       | 3                                                                                                                                                                             | 315                                                                                                                                                                           | 315                                                                                                                                                                           | 3                                                                                                                                                                             | 3                                                                                                                                                                             | 257                                                                                                                                                                           | 260                                                                                                                                                                           | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 291                                                                                                                                                                           | 291                                                                                                                                                                           | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 61                                                                                                                                                                            | 58                                                                                                                                                                            | 3                                                                                                                                                                             | 3                                                                                                                                                                             | 3                                                                                                                                                                             |
| 18                                                                                                                                                                            | Magma HDI General                                                                                                                                                             | 0                                                                                                                                                                             | 113                                                                                                                                                                           | 96                                                                                                                                                                            | 17                                                                                                                                                                            | 17                                                                                                                                                                            | 94                                                                                                                                                                            | 62                                                                                                                                                                            | 49                                                                                                                                                                            | 49                                                                                                                                                                            | 80                                                                                                                                                                            | 129                                                                                                                                                                           | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 12                                                                                                                                                                            | 5                                                                                                                                                                             | 7                                                                                                                                                                             | 7                                                                                                                                                                             | 7                                                                                                                                                                             |
| 19                                                                                                                                                                            | Max Bupa Health                                                                                                                                                               | 0                                                                                                                                                                             | 802                                                                                                                                                                           | 802                                                                                                                                                                           | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 772                                                                                                                                                                           | 772                                                                                                                                                                           | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 892                                                                                                                                                                           | 892                                                                                                                                                                           | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 210                                                                                                                                                                           | 210                                                                                                                                                                           | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             |
| 20                                                                                                                                                                            | Raheja QBE                                                                                                                                                                    | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 1                                                                                                                                                                             | 0                                                                                                                                                                             | 1                                                                                                                                                                             | 1                                                                                                                                                                             | 1                                                                                                                                                                             | 2                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             |
| 21                                                                                                                                                                            | Reliance General                                                                                                                                                              | 46                                                                                                                                                                            | 1287                                                                                                                                                                          | 1324                                                                                                                                                                          | 9                                                                                                                                                                             | 9                                                                                                                                                                             | 454                                                                                                                                                                           | 456                                                                                                                                                                           | 7                                                                                                                                                                             | 7                                                                                                                                                                             | 600                                                                                                                                                                           | 607                                                                                                                                                                           | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 114                                                                                                                                                                           | 105                                                                                                                                                                           | 9                                                                                                                                                                             | 9                                                                                                                                                                             | 9                                                                                                                                                                             |
| 22 Reliance Health                                                                                                                                                            | 22 Reliance Health                                                                                                                                                            | 22 Reliance Health                                                                                                                                                            | 22 Reliance Health                                                                                                                                                            | 22 Reliance Health                                                                                                                                                            | 22 Reliance Health                                                                                                                                                            | 22 Reliance Health                                                                                                                                                            | 22 Reliance Health                                                                                                                                                            | 22 Reliance Health                                                                                                                                                            | 22 Reliance Health                                                                                                                                                            | 0                                                                                                                                                                             | 6                                                                                                                                                                             | 6                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 0                                                                                                                                                                             |
| 23                                                                                                                                                                            | Religare Health                                                                                                                                                               | 6                                                                                                                                                                             | 895                                                                                                                                                                           | 901                                                                                                                                                                           | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 573                                                                                                                                                                           | 569                                                                                                                                                                           | 4                                                                                                                                                                             | 4                                                                                                                                                                             | 644                                                                                                                                                                           | 645                                                                                                                                                                           | 3                                                                                                                                                                             | 3                                                                                                                                                                             | 163                                                                                                                                                                           | 150                                                                                                                                                                           | 16                                                                                                                                                                            | 16                                                                                                                                                                            | 16                                                                                                                                                                            |
| 24                                                                                                                                                                            | Royal Sundaram Alliance                                                                                                                                                       | 22                                                                                                                                                                            | 808                                                                                                                                                                           | 824                                                                                                                                                                           | 6                                                                                                                                                                             | 6                                                                                                                                                                             | 778                                                                                                                                                                           | 782                                                                                                                                                                           | 2                                                                                                                                                                             | 2                                                                                                                                                                             | 538                                                                                                                                                                           | 530                                                                                                                                                                           | 10                                                                                                                                                                            | 10                                                                                                                                                                            | 73                                                                                                                                                                            | 78                                                                                                                                                                            | 5                                                                                                                                                                             | 5                                                                                                                                                                             | 5                                                                                                                                                                             |
| 25                                                                                                                                                                            | SBI General                                                                                                                                                                   | 61                                                                                                                                                                            | 1117                                                                                                                                                                          | 1123                                                                                                                                                                          | 55                                                                                                                                                                            | 55                                                                                                                                                                            | 671                                                                                                                                                                           | 697                                                                                                                                                                           | 29                                                                                                                                                                            | 29                                                                                                                                                                            | 471                                                                                                                                                                           | 489                                                                                                                                                                           | 11                                                                                                                                                                            | 11                                                                                                                                                                            | 107                                                                                                                                                                           | 102                                                                                                                                                                           | 16                                                                                                                                                                            | 16                                                                                                                                                                            | 16                                                                                                                                                                            |
| 26                                                                                                                                                                            | Shriram General                                                                                                                                                               | 0                                                                                                                                                                             | 214                                                                                                                                                                           | 214                                                                                                                                                                           | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 218                                                                                                                                                                           | 218                                                                                                                                                                           | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 231                                                                                                                                                                           | 231                                                                                                                                                                           | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 69                                                                                                                                                                            | 68                                                                                                                                                                            | 1                                                                                                                                                                             | 1                                                                                                                                                                             | 1                                                                                                                                                                             |
| 27                                                                                                                                                                            | Star Health and Allied                                                                                                                                                        | 93                                                                                                                                                                            | 6434                                                                                                                                                                          | 6490                                                                                                                                                                          | 37                                                                                                                                                                            | 37                                                                                                                                                                            | 4496                                                                                                                                                                          | 4486                                                                                                                                                                          | 47                                                                                                                                                                            | 47                                                                                                                                                                            |                                                                                                                                                                               |                                                                                                                                                                               | 135                                                                                                                                                                           | 1100                                                                                                                                                                          |                                                                                                                                                                               | 1040                                                                                                                                                                          | 195                                                                                                                                                                           | 195                                                                                                                                                                           | 195                                                                                                                                                                           |
|                                                                                                                                                                               |                                                                                                                                                                               | 1                                                                                                                                                                             | 1473                                                                                                                                                                          |                                                                                                                                                                               |                                                                                                                                                                               |                                                                                                                                                                               |                                                                                                                                                                               |                                                                                                                                                                               |                                                                                                                                                                               |                                                                                                                                                                               | 5685                                                                                                                                                                          | 5597                                                                                                                                                                          |                                                                                                                                                                               | 135                                                                                                                                                                           |                                                                                                                                                                               |                                                                                                                                                                               |                                                                                                                                                                               |                                                                                                                                                                               |                                                                                                                                                                               |
| 28                                                                                                                                                                            | Tata- AIG General                                                                                                                                                             |                                                                                                                                                                               |                                                                                                                                                                               | 1473                                                                                                                                                                          | 1                                                                                                                                                                             | 1                                                                                                                                                                             | 1050                                                                                                                                                                          | 1050                                                                                                                                                                          | 1                                                                                                                                                                             | 1                                                                                                                                                                             | 1231                                                                                                                                                                          | 1228                                                                                                                                                                          | 4                                                                                                                                                                             |                                                                                                                                                                               | 4                                                                                                                                                                             | 229                                                                                                                                                                           | 226                                                                                                                                                                           | 7                                                                                                                                                                             | 7                                                                                                                                                                             |
| 29 (ii)                                                                                                                                                                       | Universal Sompo General Total Private Insurers                                                                                                                                | 0 446                                                                                                                                                                         | 528                                                                                                                                                                           | 528                                                                                                                                                                           | 0                                                                                                                                                                             | 0                                                                                                                                                                             | 454 21427                                                                                                                                                                     | 454 21351                                                                                                                                                                     | 0 344                                                                                                                                                                         | 0                                                                                                                                                                             | 446                                                                                                                                                                           | 446 21876                                                                                                                                                                     | 0 261                                                                                                                                                                         | 0 261 600                                                                                                                                                                     | 70 4394                                                                                                                                                                       | 521                                                                                                                                                                           | 521                                                                                                                                                                           | 521                                                                                                                                                                           | 521                                                                                                                                                                           |
|                                                                                                                                                                               | Grand Total [ (i)+(ii)]                                                                                                                                                       | 971                                                                                                                                                                           | 33051 52104                                                                                                                                                                   | 33229 52289                                                                                                                                                                   | 268 786                                                                                                                                                                       | 268 786                                                                                                                                                                       | 43995                                                                                                                                                                         | 43135                                                                                                                                                                         | 1646                                                                                                                                                                          | 344 1646                                                                                                                                                                      | 21793 42761                                                                                                                                                                   | 43807                                                                                                                                                                         | 600                                                                                                                                                                           |                                                                                                                                                                               | 8412                                                                                                                                                                          |                                                                                                                                                                               | 6764                                                                                                                                                                          |                                                                                                                                                                               | 2248                                                                                                                                                                          |