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THE INSURANCE TIMES - December 2025

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इस अंक में

In this issue we have covered articles on - Challenges in Implementing AI in the Insurance Industry - Yukti Agarwal; The Circle of Insurance - Dr K. Rajagopal Reddy; The Implications of Drafting the Letter of Subrogation - Dr Abhijit K. Chattoraj; Gender Discrimination in the Insurance Sector in India - Dr. Jaydeb Bera; Group Health and Accident Insurance: SMEs bet on health-related benefits to retain employees - Santosh Sahoo.
Interview with Interview with Dr. Prabina Rajib, Director, BIMTECH.
We have covered news on General Insurance, IRDAI News, LIC News, Health Insurance News, Private Life Insurance News, International News & Other various News.

Besides it covers other interesting features.

General Insurance News

The Finance Ministry has renewed its proposal to merge three state-owned general insurance companies-National Insurance Company, Oriental Insurance Company, and United India Insurance-citing the need for enhanced operational efficiency and financial stability.

4 mins

Insurance Regulator Update

The Indian government is likely to introduce a bill in the upcoming winter session of Parliament to raise the foreign direct investment (FDI) limit in the insurance sector from the current 74% to 100%.

6 mins

Health Insurance News

A new report by the National Centre for Promotion of Employment for Disabled People (NCPEDP) has revealed that over 80% of persons with disabilities (PwDs) in India are excluded from health insurance coverage.

4 mins

Life Insurance News

Indian life insurers have urged the government to raise the tax-free investment limit in long-term infrastructure bonds under Section 80C from Rs. 5 lakh to Rs. 10 lakh, aiming to stimulate demand and deepen the domestic bond market.

7 mins

International News

A groundbreaking platform has been launched in Australia to combat the rising wave of sophisticated insurance fraud within the travel industry.

4 mins

Challenges in Implementing AI in the Insurance Industry

Artificial Intelligence (AI) has rapidly emerged as one of the most influential forces transforming the insurance sector. Its potential spans across underwriting, pricing, fraud detection, claims automation, customer service, sales forecasting, and risk analytics. Insurers worldwide are turning to AI to improve accuracy, speed, efficiency, and customer experience.

5 mins

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 mins

The Implications of Drafting the 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.

8 mins

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 mins

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 mins

Quotes from 29th Fair Conference, Mumbai Media Partner: The Insurance Times

Reflections on the Fair Conference:

10+ mins

India InsurTech Association's 4th Annual Event Spotlights AI as the Future of Indian Insurance Media Partner: The Insurance Times

The India InsurTech Association (IIA) successfully hosted its flagship gathering, the 4th IIA Annual Event, themed AI in Insurance, on October 30, 2025, at the Fairmont in Mumbai.

2 mins

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 mins

Pocket-friendly Premiums

Health and term insurance got a major boost with the recent GST rate revision.

3 mins

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 mins

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 mins

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 mins

Legal Briefs

Sushila Devi was the proprietress of a clothing store named Durga Cloth Store, situated on the highway in Orai, Jalaun District, Uttar Pradesh.

2 mins

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 mins

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 mins

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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.