Business
THE INSURANCE TIMES
How Mental Well-Being Is Shaping the Future of Workplaces
The younger workforce is leading the way. 40% of Gen Zs and Millennials in Deloitte's Gen Z & Millennial Survey feel stressed or anxious at work most of the time. Well-being support is no longer a luxury for Gen Zs and Millennials but a requirement. Flexible work arrangements, counselling access, and stigma-free spaces are now business-as-usual in hiring and retaining young talents.
3 min |
January 2026
THE INSURANCE TIMES
Claims, Complaints, and the Limits of Technology in Indian Insurance
India's insurance sector has made meaningful progress over the past decade. Digital onboarding, video KYC, instant policy issuance, and app-led servicing have significantly reduced friction at the point of sale. Yet one part of the value chain continues to attract disproportionate dissatisfaction claims.
4 min |
January 2026
THE INSURANCE TIMES
Age & Term Insurance
Age & Term Insurance: Large, Larger & Unwind
3 min |
January 2026
THE INSURANCE TIMES
Insurance Reforms and the Reality Check: Beyond the Promise of 100% FDI
The recent amendments to India’s insurance laws, including the decision to permit 100 per cent foreign direct investment (FDI), have been widely described as transformational.
2 min |
January 2026
THE INSURANCE TIMES
International News
Global reinsurance major Munich Re has unveiled its long-term strategic roadmap titled Ambition 2030, outlining a clear focus on sustained profitability, disciplined growth and capital efficiency over the rest of the decade.
4 min |
January 2026
THE INSURANCE TIMES
Sabka Bima Sabki Raksha (Amendment of Insurance Laws) 2025 - Strategic Significance
The recent amendment to India's insurance laws marks one of the most consequential regulatory reforms in the sector since liberalisation. This article examines the key provisions of the amendments, the rationale behind them, and their likely impact on insurers, intermediaries, investors, and consumers.
5 min |
January 2026
THE INSURANCE TIMES
A Place Called Safety
Through our patented insurance innovation, we are manufacturing articles of utility from insured salvage. An 'article of utility' can best be described as any piece of article which we use in our daily lives. They are the articles of regular use. These articles are manufactured from insurance salvage.
9 min |
January 2026
THE INSURANCE TIMES
The POS Model in the Insurance Industry - Expanding Reach through Simplified Distribution
The Point of Sales Person (POSP) model has emerged as a transformative distribution channel in the insurance industry, particularly in markets like India where insurance penetration remains relatively low.
4 min |
January 2026
THE INSURANCE TIMES
New Product Launches
Tata AIA Life Insurance has unveiled its latest product, Shubh Family Protect, a first-of-its-kind term insurance solution designed to cover multiple family members under a single plan.
2 min |
January 2026
THE INSURANCE TIMES
Insurance Technology & Digital Transformation
Artificial intelligence (AI) and machine learning (ML) are at the forefront of insurance digitalization. Al-driven underwriting tools have been adopted by 60% of insurers, enhancing accuracy and efficiency in risk assessment through predictive analytics.
4 min |
January 2026
THE INSURANCE TIMES
IRDAI Corner
Permitting insurers' investments in AT1 bonds and Tier 2 Capital of RBI regulated All India Financial Institutions (AIFIs)
3 min |
January 2026
THE INSURANCE TIMES
Silver Jubilee Tribute
From Bold Beginnings to Enduring Brilliance: Celebrating 25 Years of BIMTECH's Insurance Legacy - Making of a Brand in Management Insurance Education.
5 min |
January 2026
THE INSURANCE TIMES
Centre to roll out cooperative insurance services for rural employment
The Centre will soon introduce Sahkari Insurance Services to strengthen the cooperative sector and expand insurance access across rural India, Union Home and Cooperation Minister Amit Shah said.
4 min |
January 2026
THE INSURANCE TIMES
Legal Briefs
Gujarat HC has held that triple-riding a motorcycle does not inherently constitute negligence in the absence of any evidence, even as it is a violation of traffic norms.
2 min |
January 2026
THE INSURANCE TIMES
Do's and Don'ts While Buying a Top-Up Health Insurance Policy
Top-up and super top-up health insurance plans are designed to supplement an existing health insurance policy by providing additional coverage at a significantly lower cost compared to increasing the base policy sum insured.
2 min |
January 2026
THE INSURANCE TIMES
The Legal and Technical Craft of Drafting a Letter of Subrogation
It ensues that subrogation arises only where the insured has suffered a loss and has the option of recovering the loss from the wrongdoers, other than from the insurer. If the insured recovers the loss from the insurer, then his right to claim from the wrongdoer passes on to the insurer.
10+ min |
January 2026
THE INSURANCE TIMES
Insurance Regulator Update
There is a pressing need to systematically track and trace unclaimed insurance funds, with the regulator engaging multiple networks and databases to reach rightful beneficiaries, said Swaminathan Iyer, Member (Life), Insurance Regulatory and Development Authority of India. Speaking at the CII Financing Summit, Iyer noted that unclaimed funds across financial services are estimated at nearly Rs 1.9 trillion, and proactive recovery efforts would act as a form of \"assurance\" to strengthen public confidence and insurance penetration.
4 min |
January 2026
THE INSURANCE TIMES
General Insurance News
In a major relief to farmers, the Centre has announced that crop losses caused by wild animal attacks and paddy damage due to inundation will be covered under the Pradhan Mantri Fasal Bima Yojana (PMFBY) from the 2026 kharif season.
7 min |
January 2026
THE INSURANCE TIMES
Centre appoints Ramakrishnan Chander as LIC managing director
The central government has appointed Ramakrishnan Chander as managing director of Life Insurance Corporation of India, with effect from December 1. Chander, who was serving as executive director and chief financial officer of LIC, will hold the post until his superannuation on September 30, 2027, according to an exchange filing by the insurer.
6 min |
January 2026
THE INSURANCE TIMES
IRDAI's 'Insurance for All by 2047': The Data, AI, and Workflow Innovations India Must Unlock Now
India’s vision of Insurance for All by 2047” requires modernization across rate regulation, claims governance, and coverage design. This article outlines how data standardization, Al-driven decision frameworks, fraud intelligence, and culturally relevant coverages can transform India’s protection ecosystem into one that is universal, resilient, and future-ready.
3 min |
January 2026
THE INSURANCE TIMES
Pocket-friendly Premiums
Health and term insurance got a major boost with the recent GST rate revision.
3 min |
December 2025
THE INSURANCE TIMES
Group Health and Accident Insurance: SMEs bet on health-related benefits to retain employees
Digital platforms have simplified issuance of the policies, premium collection and claims processing easier. Artificial intelligence enables staff to easily upload their hospital documents. After reviewing the documents, they can easily track an approval, and is returning their dollars owed much faster than without.
4 min |
December 2025
THE INSURANCE TIMES
Insurance Caselaws
In insurance claims, the NCDRC orders LIC to pay Rs. 6 Lakhs plus a bonus, stating that as a PSU, LIC must fulfill its obligations.
5 min |
December 2025
THE INSURANCE TIMES
IRDAI Corner
The Financial Sector Assessment Program (FSAP), a joint program of the International Monetary Fund (IMF) and the World Bank (WB), undertakes a comprehensive and in-depth analysis of a country’s financial sector.
5 min |
December 2025
THE INSURANCE TIMES
Do's and Don'ts While Buying a Whole Life Insurance Policy
Whole life insurance is a long-term financial protection tool that provides lifelong coverage, guaranteed benefits, and in many cases, cash value accumulation.
3 min |
December 2025
THE INSURANCE TIMES
The Circle of Insurance
Key standard safety features are that the Curvv comes standard with six airbags, Anti-lock Braking System (ABS) with Electronic Brakeforce Distribution (EBD), Electronic Stability Control (ESC), and ISOFIX child seat mounts. Five-star rating for a car means it's almost a perfect car.
9 min |
December 2025
THE INSURANCE TIMES
Gender Discrimination in the Insurance Sector in India
The growth of life insurance sector mainly depends on number of policies issued by life insurance companies and role of insurance agents. In case of life insurance sector, number of agents increased from 26.28 lakhs in 31.03.2023 to 28.95 lakhs in 31.03.2024.
5 min |
December 2025
THE INSURANCE TIMES
Policybazaar for Business examines Al's impact on clinical risk and medical accountability in its latest whitepaper
Artificial intelligence is increasingly making its way into healthcare as the next big force.
2 min |
December 2025
THE INSURANCE TIMES
Telematics in Motor Insurance - Driving the Future of InsurTech Innovation
The global motor insurance industry is undergoing a major transformation, driven by digital innovation and evolving customer expectations.
5 min |
December 2025
THE INSURANCE TIMES
Interview with Dr. Prabina Rajib, Director, BIMTECH
Dr. Prabina Rajib, Director at the Birla Institute of Management Technology, is a distinguished academic with a Ph.D. in Finance from IIT Kharagpur.
5 min |