India stands at a historic crossroads. As one of the world’s fastest-growing economies, the nation is witnessing a financial evolution unlike any other. However, beneath the growth lies a sobering reality: the "protection gap." This chasm—the distance between the insurance coverage people need and what they actually possess—remains a systemic challenge. As we move through 2026, millions of Indians remain without life insurance. While health coverage is expanding, a significan

The Indian health insurance sector is currently grappling with a dual crisis: a sharp rise in mis-selling complaints and a systemic failure in underwriting due diligence. While the industry saw record premium collections of ₹1.27 lakh crore in FY25, this growth has been accompanied by a significant surge in consumer dissatisfaction during the claim settlement process. Data from the Insurance Regulatory and Development Authority of India (IRDAI) reveals that grievances categ