This paper attempts to examine- the digitalization and significant transformation in claim management of health insurance companies in India. The paper delves into the model shift lead about by digitalization and transformation in the domain of Health Insurance claims settlement pre and post Covid. The research explores the integration of advanced technologies, particularly online based platform for claim processes including - artificial intelligence, machine learning, internet of things, block chain and different data analytical efficiency and overall effectiveness in processing of health insurance claims. This study aims to provide a comprehensive understanding of the impact of digital transformation on health insurance claims settlement ratio by taking note through trends of insurance premium in general and health insurance companies, segment and sector wise. A study explores the significance of digitalization by taking recent trends of selected five companies CSR of selected period from 2017-18 to 2021-22.