Diabetes claims data by ICICI Lombard (Individuals & Corporates)
14 NOV 2018 PUNE : The World Diabetes Day draws attention to issues of paramount importance and the growing concerns about the escalating health threat posed by diabetes. ICICI Lombard has been consistently developing communication in its attempt to get consumers to stay fit and healthy.
At ICICI Lombard General Insurance, the focus is to track the trends witnessed through the claims filling by customers who are diagnosed with diabetes.
ICICI Lombard GIC Ltd, the largest private non-life insurance company, has analyzed its internal claims data and underlines the trends in relation to various parameters such as:
Ø Relationship
Ø Gender
Ø Age
Ø Zone
Ø City
The following data is as on Oct 31, 2018.
Relationship wise claims analysis:
- According to the data, the number of claims filed under the Self and other category in the year 2017-18 and 2018-19 is constant as there is no considerable change
- Under the ‘Children’ category, the claims filed in 2018-19 are the lowest in the last three years
| Relationship | Number of Claims | ||
| 2016-17 | 2017-18 | 2018-19 | |
| Self | 33% | 39% | 39% |
| Spouse | 11% | 15% | 13% |
| Children | 3% | 3% | 2% |
| Parents+ In Law | 52% | 42% | 45% |
| Others | 1% | 1% | 0% |
| Total | 100% | 100% | 100% |
Gender wise claims analysis:
- Post a minor dip last year, claims made by female policyholders, are again witnessing a slim upward trend
- Compared to the female claims, the number is considerably higher for males, however, there is a marginal dip in the year 2018-19 as to the previous year
| Gender | Number of Claims | ||
| 2016-17 | 2017-18 | 2018-19 | |
| Female | 41% | 39% | 41% |
| Male | 59% | 61% | 59% |
| Total | 100% | 100% | 100% |
Age band wise claim analysis:
- Claims under the age band of 36-55 years continues to see an uptick
- Claims are relatively higher in the age band of 56- 75 years, however there is a constant decline in the past two years
| Age Wise | Number of Claims | ||
| 2016-17 | 2017-18 | 2018-19 | |
| 0-18 Yrs | 2% | 2% | 2% |
| 19-35 Yrs | 6% | 8% | 7% |
| 36-55 Yrs | 32% | 38% | 42% |
| 56-75 Yrs | 55% | 47% | 44% |
| < 75 Yrs | 5% | 5% | 5% |
| Total | 100% | 100% | 100% |
Zone-wise trend
- The East zone had the lowest claims data, followed by the North zone
- Claims in the west zone were the highest in the year 2016-17, however there has been a considerable decline in the claims filed in 2017-18 and 2018-19
- For the past three years, claims filed in the South zone have been rising , however, the claims has slightly plummeted in the year 2018-19
| Region wise | Number of Claims | ||
| 2016-17 | 2017-18 | 2018-19 | |
| East | 8% | 9% | 9% |
| North | 19% | 22% | 22% |
| South | 28% | 38% | 36% |
| West | 45% | 32% | 34% |
| Total | 100% | 100% | 100% |
Metro City Wise claim analysis:
- NCR has the highest number of claims followed by Mumbai
- Mumbai on one hand is seeing a constant dip for the past three years, whereas, NCR for the past two years has witnessed a plateau point
- Bangalore is the only city in the list that is witnessing a constant upward trend in terms of diabetes claims filed
- The percentage share of the non-metros for the claims data pertaining to diabetes have been constantly in single digits except for Kolkata which is the only metro city that ranks one of the lowest in the hierarchy
| Metro Cities | Number of Claims | ||
| 2016-17 | 2017-18 | 2018-19 | |
| Mumbai | 21% | 15% | 12% |
| NCR | 11% | 14% | 14% |
| Chennai | 9% | 10% | 9% |
| Bangalore | 5% | 7% | 8% |
| Hyderabad | 4% | 6% | 5% |
| Pune | 4% | 3% | 4% |
| Kolkata | 4% | 4% | 3% |
| Ahmedabad | 3% | 2% | 2% |
| Others | 39% | 39% | 43% |
| Total | 100% | 100% | 100% |
