This document discusses claim settlement ratios in the Indian life insurance industry. It provides the claim settlement ratios for various life insurance companies from 2009-2012, with LIC consistently having the highest ratio above 97%. Private insurers like ICICI Prudential, HDFC Life, SBI Life and Kotak Life also had high claim settlement ratios between 92-96%. The claim settlement ratio indicates the percentage of total claims approved by an insurer out of total received claims.