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THE INSURANCE TIMES - April 2026

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इस अंक में

In this issue we have covered articles on - Material change clause in health insurance policies: An invisible trap for the policyholders - Dr. Seema Arora; The Legal Salvage - Dr K. Rajagopal Reddy; Reinstatement Value Policy Insurance: The Rationale and the spirit we choose to Ignore - Dr Abhijit K. Chattoraj; Health Insurance Claim Rejections in India: 11% Claims Denied in FY24 - How Can Policyholders Safeguard Themselves?- Shilpa Arora; West Asia War: What It Means for Exporters, Importers and Marine Insurance - Balasundaram R. We have covered news on General Insurance, IRDAI News, LIC News, Health Insurance News, Private Life Insurance News, International News, Do’s and Don’ts, New Product Launches, Case Study, Insurance Caselaws, Legal Briefs, IRDAI Corner, Statistics & Other various News. Besides it covers other interesting features.

Growth in Health Insurance - A Welcome Milestone with Emerging Responsibilities

The Indian health insurance sector has recently crossed a significant milestone, with premium collections surpassing Rs. 1.2 lakh crore.

2 mins

General Insurance News

Public sector banks and insurance companies have urged the government to increase the sum assured under key social security schemes such as PMJJBY and PMSBY.

6 mins

Insurance Regulator Update

The Insurance Regulatory and Development Authority of India (IRDAI) has urged insurers to reduce customer acquisition costs and expenses of management (EOM) to improve profitability and make health insurance more affordable.

3 mins

Health Insurance News

Preventive health intelligence startup Cent has announced its launch with a focus on detecting life-threatening diseases such as cancer and cardiac conditions at an early, asymptomatic stage.

4 mins

Life Insurance News

Life insurers reported an 18 per cent year-on-year growth in new business premium (NBP) to ?35,417 crore in February, led by strong performance from Life Insurance Corporation of India.

4 mins

US launches $20 bn reinsurance plan to secure oil shipments

The US International Development Finance Corporation has announced a $20 billion maritime reinsurance programme to stabilise shipping through the Strait of Hormuz amid escalating tensions involving Donald Trump's administration.

4 mins

Material change clause in health insurance policies: An invisible trap for the policyholders

The health insurance sector is now the major business portfolio of the non-life insurance segment, representing 41.6% of business with the premium of 1.27 lakh crore. The tremendous growth of this sector is accompanied by an increase in customer grievances as well.

10+ mins

The Legal Salvage

Salvage law is governed by the Merchant Shipping Act, 1958, which entitles individuals who voluntarily rescue ships, cargo, or property from maritime peril to a reward. This, ensures fair compensation for successful efforts. Key elements include voluntary service, real danger, and success, with rewards determined based on risks and value.

6 mins

Reinstatement Value Policy Insurance: The Rationale and the spirit we choose to Ignore

I have touched but two notes-yet they ring loud enough to expose how expediency can muffle principle. What ought to have been a disciplined symphony of process dissolved into a discordant improvisation. The surveyor and the insurer, instead of tempering their conduct with a humane cadence within the clear bounds of policy and settled practice, chose a harsher, hurried rhythm.

10+ mins

Navi enters Motor Insurance with a fully digital, zero-commission offering

Navi, one of India's fastest-growing digital financial services destinations, unveiled its Motor Insurance offering, further expanding its insurance portfolio and strengthening its focus on building simple, accessible, and customer-first financial products With this launch, Navi General Insurance aims to simplify the process of buying and managing motor insurance through a fully digital, app-led journey.

1 mins

Health Insurance Claim Rejections in India: 11% Claims Denied in FY24 - How Can Policyholders Safeguard Themselves?

Insurance remains a relationship-driven business in India. Advisors, agents, POSPs, and relationship managers play a vital role in educating customers, understanding their needs, and building long-term trust. Technology's role is to enhance these interactions, not replace them.

4 mins

West Asia War: What It Means for Exporters, Importers and Marine Insurance

When will the war in West Asia end? For now, no one has a definitive answer.

5 mins

Restore, Don't Replace: How Professional Drying is Redefining Water Damage Claims in India

Water damage is fast becoming one of the most significant loss categories for Indian non-life insurers and the trajectory is only worsening.

1 mins

Performance of the General Insurance Industry: Insights from IRDAI Annual Report 2024-25

India's general insurance industry continues to play a critical role in supporting economic stability, risk protection, and financial resilience across sectors.

6 mins

Deductible a handy tool, but choose wisely

The GST rate cut in health and term insurance would have policyholders look forward to the premium renewal date for a change, to examine the cost savings.

2 mins

Do's and Don'ts Before Filing a Claim in Marine Cargo Insurance

Marine cargo insurance plays a critical role in protecting goods during transit against a wide range of risks such as damage, theft, pilferage, and external perils.

2 mins

Infosys Acquires Stratus to Strengthen Insurance Capabilities

Infosys has announced the acquisition of Stratus, a move aimed at enhancing its capabilities in the insurance technology space and expanding its presence in the global insurance services market.

1 mins

New Product Launches

Tata AIA launches Shubh Flexi Pension Plan with lifetime income feature

2 mins

Insurance Caselaws

An insurance company should not request the following documents from the insured in the course of resolving claims: Supreme Court.

6 mins

Legal Briefs

Insurer can't reject claim by delaying cheque presentation

3 mins

Servicing to the policyholders – Special Measure for the current Financial Year 2025-26

4 mins

सभी कहानियाँ पढ़ें THE INSURANCE TIMES

THE INSURANCE TIMES Description:

प्रकाशक: Sashi-Publications-Private-Ltd

वर्ग: Business

भाषा: English

आवृत्ति: Monthly

The Insurance Times, which will be completing glorious 42nd year of successful and regular publication in 2022, is the most authentic information source on insurance in India.

The Insurance Industry under the new regulatory setup is moving forward aggressively.

Every month, the journal covers informative articles and features on both general insurance and life insurance. Besides regular columns for Insurance Regulators, Brokers, Bancassurance, legal, surveyor, agents, students etc; it brings you the latest and updated news of the Indian as well as overseas insurance industry.

Regular features on risk management and safety also keep you abreast of the latest risk management techniques.

We regularly review the policies issued by life and non-life companies including comparisons of various products.

A special emphasis is given on marketing of insurance both life and general. This journal is a must for all persons connected with insurance companies, corporate bodies, brokers, banks, surveyors, agents, consultants, students, educational institutions and professionals.