Despite being one of the world’s fastest-growing economies, insurance penetration in India remains low, leaving ample scope to expand coverage and strengthen financial inclusion. The Government’s vision of “Insurance for All by 2047” underpins these reforms.

The Big Problem: Insurance Buying Still Feels Complicated. Despite the digital revolution in India, buying insurance remains a confusing and lengthy experience for most people, especially in Tier 3 cities, or, in other words, in low-income areas. The industry has evolved, but the customer experience still does not.

Even today, there are millions of policyholders in India struggling to keep track of their insurance documents. Physical policies often get misplaced, updating nominee details becomes tedious, and servicing requests often involve long waits and paperwork. When multiple life and health insurance policies are involved, the situation becomes even more overwhelming, leading to confusion, missed renewals, and delays in claims.

Did you know - one unexpected event could undo years of your hard work? Yes, that’s exactly what happens when life throws a curveball and you are not financially prepared. Dear readers, buying insurance is not just about filling out a form or paying off premiums. It is about protecting your and your family's future, and everything you have earned with effort and sacrifice. However, too often, many people treat it like another routine task to tick off a list.

Have you ever needed to check your insurance details in a hurry - maybe before a hospital visit or while renewing your car policy - but could not find the papers when you needed them most? It happens to almost everyone. In today’s digital age, convenience is no longer a frill; it is something we all expect. From shopping and banking to booking flights and ordering food, nearly every service is now available online. So is insurance!

After Delhi’s average AQI shot up to 425+, signalling a sharp deterioration in air quality, the Commission for Air Quality Management (CAQM) directed the Delhi Government to enforce Stage III restrictions under the Graded Response Action Plan (GRAP) across the NCR region. The move introduces wide-ranging curbs on construction, vehicular movement, and industrial operations.