Life insurance: The resurging giant

ign="center">special insurance products that highlight the need of
Insurance in recent times has turned out to be quiteprotection against flu and in the mean time also
a life saver for people who have invested in it.provides monetary assistance in the wake of any
However, speaking of the state of Indian insuranceunfortunate contraction of the disease. The idea is
segment, funds are continuing to flow in, thanks todefinitely result-oriented since the epidemic is very
the pre-existing unit-linked insurance plans. Themuch in picture even now and if it is this approach
practice has fetched big returns to life insurancethat can actually help them in cashing on to the
players plainly because of the fact that investors aresituation. If the initiative proves successful then the
anticipating better returns on account of the so-calledwhole health insurance industry can expect a
resurgence of Indian economy.non-sponsored bail-out package.
With life insurance schemes going great guns, theAlready IDBI Fortis Life insurance has drawn the first
possible nemesis of slowdown is nowhere to found.blood by announcing that the company will be paying
However, the industry experts still believe that it willout policy claim of the insured's nominee if the
take sometime for market to actually recover fromformer dies of Swine flu. Thus, the race is quite
the damage that it has incurred in the past fiscal.apparent. Moreover, with rainy season coming late to
Already Life Insurance Council of India (which is theIndian cities, chances of this pandemic spreading into
industrial body of 22 life insurance companies) haseach corner of the country has increased drastically.
declared of a better year in the waiting, as theThis is the reason why government has asked public
insurance business for life has already amassed Rs.hospitals to be ready with state-of-art medical
12698 crores as renewal premium for Ulips for thetreatment and equipments. Also the fee factor has
quarterly period of April-June of this financial year.also been made nominal by them. However, with
The figures undoubtedly, are encouraging sinceprivate hospitals too being asked to join the league,
premium collection which is a primary source ofhealth insurance business can certainly some good
revenue for insurance industry hasn't been that good.days ahead.
If that was about insurance for life, health insuranceThus, it is quite evident that insurance sector is finally
market too has seen a surge in its overall business.seeing some green shoots which overall symbolises
The so-called surge can be credited to the showingharmony in the business scene. Moreover, with such
up of Swine flu. Yes, the pandemic has certainly gotreports cropping up, is manifestation of the fact that
the stationary business of players, moving. Withthe beneficiary party is not only the players but also
Swine flu cases being still reported, many of thethe end-users.
insurance players are deeply brainstorming to launch