Setup for Data Analysis

States that have handled at least 1,000 cases have been taken into account for displaying a significant conclusion of the analysis.
Claims from health insurance throughout the COVID period have been taken into account.

Time Interval

COVID claims data is a subset of the health claims during each wave.
Reported claims & settled claims assumption – data is maintained on an as-reported basis, at the end of the respective period. For instance, if claims reported during the period would have been settled later, the same are not reported as part of settled claims figures.
There is a possibility that the reported claims(numbers) from phase one may have been settled in any of the phases that followed, which would explain why the settlement claims ratio(numbers) has increased phase by phase.
For certain group and mass health policies, claims may have been booked at central or regional locations. To that extent, the reported claims figures may not exactly represent statewise figures.
Reported claims included items that were not admissible under the existing health insurance coverage and as well deductions were applicable as per policy clauses. A deeper analysis of data post each wave highlights that 85-95% of admissible claim amount was paid by the insurers.