New Delhi, June 7 -- Nearly one in every 12 health insurance claims was repudiated in FY25. Now, the Insurance Regulatory and Development Authority of India (IRDAI) wants insurers to explain those decisions more clearly.

Under the regulator's latest reforms, insurers are expected to provide detailed reasons for claim rejections and cite the specific policy clauses on which those decisions are based. The move comes as claim-related grievances continue to rise despite improvements in claim-processing timelines.

According to IRDAI's Annual Report 2024-25, insurers processed 3.26 crore health insurance claims and paid out Rs.94,248 crore during the year. However, around 8% of claims were repudiated, meaning nearly one in every 12 policyhold...