IRDAI Insurance Consolidated Investment Norms Signal a Structural Shift IRDAI insurance consolidated investment norms are poised for a meaningful transformation, marking one of the most significant regulatory recalibrations in the insurance sector in recent years. Through amendments to the Insurance Act, the investment framework applicable to insurers has been streamlined, consolidated, and made more adaptive to evolving market realities. The reform strengthens regulatory agility while preserving the core principle of policyholder protection. For insurers managing […]

Incurred Claim Ratio of Health Insurance Companies in India Is one of the most practical yet most ignored indicators while choosing a health insurance policy. Most policyholders spend time comparing premiums, room rent limits, waiting periods, and network hospitals. However, when a real medical emergency arises, none of these matter as much as one simple question: Will the insurer actually pay the claim smoothly and fairly? This is where the incurred claim ratio becomes critical. […]