From Spam Calls to Trusted Advice: How Advisory-First Platforms Are Changing the Way Indians Buy Health and Term Insurance
Medical inflation in India is rising by around 12.9% annually, making health insurance increasingly critical for households. Yet, insurance penetration remains under 3.7% of GDP, with life insurance at 2.7% and non-life insurance at 1%. This points to a serious protection gap. Many Indians need health and term insurance, but the way these products are sold often leaves buyers confused, pressured, or underinformed. As a result, buyers often choose the cheapest policy instead of the right one, only to discover co-pays, room rent limits, or waiting period exclusions during a claim. The Problem No One Talks About: Spam Calls Researching insurance
