Policy Reforms & Digital Growth Propel India's Insurance Sector in 2025

India's insurance sector experienced a transformative year in 2025, driven by significant policy reforms and a surge in digital adoption. Industry leaders express a bullish outlook for the sector, anticipating sustained growth and enhanced financial inclusion. The integration of technology is revolutionizing operations and customer experience.

• 100% FDI in insurance via 'Sabka Bima Sabki Raksha' Bill in 2025.
• GST exemption on individual life/health premiums improved affordability.
• Digital platforms like Bima Sugam streamline policy issuance and claims.
• AI/ML adoption enhances underwriting, claims processing, and fraud detection.
• India poised as G20's fastest-growing insurance market by 2029.
• Focus shifts to simpler products, faster claims, and deeper customer engagement.

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