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ve bank staff push products that often lapse within a few years the result trust erodes coverage remains inadequate and the underinsurance crisis continues unchecked the irdai has seen this coming as part of its insurance for all by 2047 vision it s advocating for open architecture allowing banks to partner with multiple insurers critics worry this will create confusion but choice isn t the issue clarity is what india needs is a smarter bancassurance model one that uses data to recommend the right coverage equips bank staff to act like advisors not sellers integrates with platforms like bima sugam for seamless access and servicing the current model is like giving someone a medicine kit without a diagnosis insurance isn t a product it s a promise and promises require trust guidance and follow through if bancassurance wants to be part of the solution it must move from policy pushing to protection planning otherwise it risks becoming irrelevant and worse part of the problem it was meant to solve underinsurancecrisis bancassurance insuranceforall irdaireforms financialinclusion digitalinsurance customercentricity indiainsurance bimasugam more no more previous content no more next content 915 93 comments like comment share copy linkedin facebook x kevin pho m d kevin pho m d is an influencer physician kevinmd com the podcast by kevinmd 284 634 followers 2w report this post an insurer publishes a directory of mental health clinicians a member calls down it half the numbers are wrong most of the rest do not take the plan and the ones who do have nothing open for months nobody at the insurer ever denies anything that is what makes it durable there is no denial to appeal because nothing was denied so the failure never reaches the machinery built to catch denials attorney steve cohen has brought seven class actions over this his firm has run about 45 secret shopper studies against insurers directories of psychiatrists psychologists and therapists the average error rate is 85 percent the best directory they tested was wrong 55 percent of the time the case furthest along covers 1 2 million people who work for a state or its municipalities has survived a motion to dismiss and is now in discovery if you buy coverage for employees or own network adequacy at a plan this is your problem before it is a litigation problem four things from the conversation worth keeping 1 directory accuracy and reimbursement rates are separable problems and only one of them is expensive paying clinicians enough to join a network is genuinely hard publishing a list that is true is not 2 the authority already exists federal and state rules require insurers to validate these directories every 30 to 60 days what is missing is anyone checking that it happened 3 most policies already contain an out of network exception requiring the insurer to cover an outside clinician when no in network one is available almost no member knows it is in there which means your population is absorbing costs your plan documents say it should not 4 network inadequacy does not land evenly the members on the cheapest plans the ones with no out of network benefit are the ones who end up with no care at all rather than an expensive workaround his ask in the litigation is narrower than people expect he is not asking a court to set what insurers pay he is asking for an accurate list which the firm requests as injunctive relief before it requests any damages don t make it harder for patients who need care to find that care if you have a small even inadequate directory be honest about it search the podcast by kevinmd wherever you listen to podcasts what is one check you could add this quarter to verify that the mental health directory your members are handed is accurate before they start calling it healthcareleadership mentalhealth employeebenefits healthpolicy thepodcastbykevinmd more no more previous content no more next content 118 40 comments like comment share copy linkedin facebook x vasu gupta l d leader e leaning instructional design lms mf pms aif bonds unlisted insurance coach nism va xxi a certified liii centricity wealthtech views are personal 3 747 followers 8mo report this post cutting insurance commissions sounds logical it may turn out dangerously simplistic india wants insurance for all by 2047 the current response is to look at lowering distributor commissions to reduce premiums but here s the uncomfortable question i keep coming back to what happens to distribution when you squeeze incentives in a phygital business yes premiums remain high even after gst on life and health insurance was cut from 18 to zero yes acquisition costs are elevated driven by front loaded distributor payouts and yes the rbi has flagged high distribution costs are slowing insurance penetration commission growth in non life insurance has outpaced operating costs private life insurers saw sharp commission escalation post 2022 23 all of that is valid but insurance is still not a click and buy product it is sold explained nudged and serviced especially for first time buyers msmes rural and semi urban customers long term life and health covers this is where the contrarian risk lies if commissions are capped or deferred without rethinking the entire distribution model agents may shift focus to easier products advisory quality may drop misselling risk could actually increase penetration in non metro india could slow further lower premiums on paper mean nothing if the product never reaches the customer remember msmes contribute 30 to gdp and 44 to exports yet face a 30 trillion credit gap insurance affordability matters but insurance availability matters just as much the real problem isn t commissions alone it s how value is rewarded in distribution if incentives reward short term sales over long term coverage volume over suitability acquisition over persistence then capping commissions treats the symptom not the disease india doesn t just need cheaper insurance it needs sustainable advisory economics otherwise in fixing costs we may quietly break the last mile engine that actually sells insurance will lowering commissions improve penetration or push insurance further away from the people more no more previous content no more next content 174 39 comments like comment share copy linkedin facebook x florian graillot investor astorya vc insurance emerging risks seed europe 37 038 followers 1y report this post is this the beginning of the end for traditional insurance models to me the following post published on linkedin recently is very insightful for three reasons 1 first the post highlights that insurers need to explore additional distribution channels on top of what already exists brick mortar shops agents or brokers and it lists online channels as a priority this is the first time i read it so clearly from an incumbent and it obviously makes sense to me as customers are increasingly relying on digital services spending more time on their smartphone and ecommerce is surging in that background there is no specific reason insurance could be the only industry worldwide to remain solely offline 2 then the post highlights the opportunity to rely on startups to deliver such a roadmap in that specific case the corporate relied on two complementary initiatives acquisitions and minority investments whatever the means this proves there is value in insurtech startups after years of startups raising crazy amounts claiming they would replace incumbents followed by several years of hearing incumbents claiming insurtech doesn t work it seems we ve landed in a more balanced position where it s a matter a price not a question of value added yes insurtech startups when done right could benefit the insurance value chain 3 last but not least this post supporting the case for digitizing part of the insurance industry and the opportunity for historical players to leverage external solutions i e startups was written by an incumbent this is not a startup pitching its vision nor a vc building its investment thesis this is one of the major players in its market the health insurance space in france reading such a strong push for embracing digital solutions and paving the road to buying partnering with insurtech startups makes a lot of sense to me as we ve been investing in tech startups revamping the insurance industry for years and beyond this seems to me as a wake up moment for the industry and i expect more to come in the near future as the insurtech market matures and clear winners or top players are emerging from the crowd insurance insurtech venturecapital more no more previous content no more next content 65 17 comments like comment share copy linkedin facebook x sandip goenka sandip goenka is an influencer c level financial services leader strategic finance capital management m a transactions risk regulatory oversight digital insurance platforms former md ceo acko life ex cfo exide life insurance 14 183 followers 9mo report this post most insurance companies don t have a product problem they have a 𝐬𝐢𝐠𝐧𝐚𝐥 𝐩𝐫𝐨𝐛𝐥𝐞𝐦 trouble shows up early for customers and late for leadership mckinsey s 2025 analysis shows that only a small fraction of insurers capture meaningful value from ai and the reason isn t model quality it s because 𝐝𝐚𝐭𝐚 𝐬𝐢𝐭𝐬 𝐢𝐧 𝐬𝐢𝐥𝐨𝐬 across underwriting claims support and policy servicing another study highlights that predictive analytics when actually integrated can reduce loss ratios speed up claims and improve risk accuracy but most insurers never reach that stage because their systems can t surface early patterns so what happens a spike in confusion calls customers misusing features renewal expectations not matching policy reality claim friction rising quietly for weeks by the time these signals hit dashboards the damage is already in motion lower nps rising churn operational load regulatory exposure this is why insurance needs an 𝐈𝐂𝐔 𝐈𝐧𝐬𝐢𝐠𝐡𝐭 𝐂𝐨𝐫𝐫𝐞𝐜𝐭𝐢𝐨𝐧 𝐔𝐧𝐢𝐭 a team that 1 connects disparate data into a single queryable layer 2 builds early warning models for churn fraud sentiment and claims delay 3 flags mismatches between expectation and experience in real time 4 routes insights directly into underwriting ops and customer teams when insights arrive early transformation doesn t arrive late and in insurance 𝐭𝐡𝐞 𝐞𝐚𝐫𝐥𝐢𝐞𝐬𝐭 𝐬𝐢𝐠𝐧𝐚𝐥 𝐢𝐬 𝐭𝐡𝐞 𝐮𝐥𝐭𝐢𝐦𝐚𝐭𝐞 𝐬𝐭𝐫𝐚𝐭𝐞𝐠𝐲 𝐭𝐨 𝐰𝐢𝐧 insuranceindustry dataanalytics customerexperience predictiveanalytics more no more previous content no more next content 153 27 comments like comment share copy linkedin facebook x sandeep dadia non executive officer lockton india author speaker ceo of the year 33 231 followers 1y report this post heat air quality insurance costs an indian reality we must confront reflecting on a recent article i read around on how global heatwaves air pollution extreme weather are no longer distant threats they re having real measurable impacts on homes health and financial risk as an insurance broker i believe it s our duty to understand these changes and help india stay resilient here s what our sector should be really be thinking about what s changing and why it matters 1 rising temperatures and worsening air quality are more than environmental issues they lead to greater health risks respiratory cardiovascular increased mortality and greater stress on medical systems 2 homes in many indian cities are more exposed ageing infrastructure poor insulation or ventilation and limited cooling systems magnify heat stress 3 as insurers factoring in more frequent claims for heat damage pollution related losses and weather disasters premiums go up that may make cover harder to access for many what the insurance industry must do 1 embed climate health risk into underwriting we need granular data mapping risk zones for heat pollution flood etc and using that to price fairly homes in hot spots may need additional risk mitigation built into policies 2 design products that pay for prevention develop solutions that reward preventive measures from cool roofing and air filtration to safer construction practices where it is best to avoid the use of hazardous materials like asbestos parametric trigger based covers can also play a role activating when thresholds such as heat index or aqi are breached 3 educate and partner with clients many customers are unaware of how indoor heat or local air quality can damage property health and finances brokers must become educators helping people assess risk explore mitigation reduce exposure 4 collaborate with regulators local governments building codes city planning heat mitigation infrastructure pollution control these are public goods that reduce risk for everyone working together can help reduce insurance risk keep costs manageable and make adaptation scalable why this is a leadership opportunity india is uniquely placed we have diverse climates rapid urbanisation and growing awareness by acting now build trust clients will value brokers who anticipate change offer stable forward looking solutions drive innovation those who develop climate resilient products will lead not lag as regulation and customer expectations evolve the realities of climate change are here and so are opportunities to protect to innovate to lead insurance isn t just about recovering losses it s about building resilience and enabling safer healthier lives climaterisk indiaresilience healthandclimate riskmanagement https lnkd in dyrvezd3 more heat air quality insurance costs how climate change is affecting our homes and our health theconversation com 76 3 comments like comment share copy linkedin facebook x michele mattei michele mattei is an influencer fintech expert manager investor advisor 70 995 followers 8mo report this post withcoverage raises 42m series b to rebuild insurance brokerage with ai withcoverage has raised a 42 million series b round to modernize the 500 billion insurance brokerage market by replacing commission driven brokers with an ai enabled risk management platform the round was led by sequoia capital and khosla ventures with participation from roelof botha keith rabois 8vc joe lonsdale jake medwell crystal venture partners and jonathan crystal founded by max brenner alongside co founder jd ross withcoverage positions itself as the first ai enabled risk management team for businesses the platform runs competitive insurance bidding across dozens of carriers uses ai and human experts to analyze policies for hidden coverage gaps and manages execution end to end reducing cost and complexity for customers in the past 18 months more than 700 fast growing companies including gopuff eight sleep and blank street have switched to withcoverage the company reports that customers can identify potential six figure annual savings through its insurance analysis the article on fintech global in the first comment more no more previous content no more next content 85 9 comments like comment share copy linkedin facebook x amir kabir founder managing partner overlook ventu...