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