The "worst" insurance company is often determined by the volume and nature of customer complaints regarding claim settlement ratios, transparency, and the ease of the grievance process. In recent reports, companies like Star Health have been highlighted for receiving an exceptionally high number of complaints relative to their customer base. A company's standing in this regard is often measured by the number of complaints per lakh of policyholders recorded by an Ombudsman. Lower claim settlement ratios—specifically those falling below 90%—and a high percentage of unresolved grievances are the primary indicators consumers and analysts use to categorize an insurer as "worst" or highly dissatisfactory.