Climate Risk and Sustainability in the Insurance Sector
Climate change has emerged as one of the most profound systemic risks facing the global economy, and the insurance sector stands at the forefront of this challenge. As an industry…
Navigating Low Interest Rates in Nepal – When Rates Fall, Strategies Must Rise
Context Setting Nepal’s interest rate cycle has shifted rapidly in recent years—from peaks of 8–10% during liquidity stress to nearly 4–5% today amid excess liquidity. While lower rates support borrowing…
The Next Decade of Indian Health Insurance: Why Interoperability Matters More Than Innovation
Summary: After two decades in risk management, claims investigations, and insurance operations, I have learned that technology alone does not solve trust deficits. The next chapter of Indian InsurTech will…
Underwriting Prudence and Classification Compliance: Shared Responsibilities in Marine Insurance
Introduction In marine insurance, compliance with express warranties and full disclosure of critical incidents is important – failing to do so terminates the insurance cover automatically. Mere knowledge on the…
DOs and DON’Ts Before Buying a Liability Insurance Policy
Key Points and Policy Conditions Every Business Should Check Liability insurance protects a business against its legal liability arising from bodily injury, property damage, financial loss, or negligence towards third…
Dark Patterns in the Insurance Industry: Challenges, Consumer Protection and the Road Ahead
Executive Summary Digital transformation has revolutionised the insurance industry by making products more accessible, simplifying policy issuance, and enabling faster customer onboarding. Online insurance aggregators, insurer websites, mobile applications, digital…
New Product Launches for July 2026
ICICI Prudential Life launches guaranteed market-linked plan ICICI Prudential Life Insurance has launched ICICI Pru Signature Secure, the Indian life insurance industry's first Unit Linked Insurance Plan (ULIP) to include…
Legal Briefs for July 2026
Top court introduces compensation for homemaker deaths The Supreme Court recognised "loss of domestic care" as a separate head of compensation in motor accident cases involving the death of a…
IRDAI Corner for July 2026
IRDAI Issues Consultation Paper on the proposed regulations pertaining to Rs. 800 Crore Policyholders’ Education and Protection Fund (PEPF) 23 June, 2026 The Insurance Regulatory and Development Authority of India…
Insurance Caselaws for July 2026
An insurance company cannot refrain from accepting a defense that does not constitute the reason for rejecting the claim : Supreme Court Case Title: JSK Industries Pvt Ltd vs Oriental…