Zomwe zingayambitse kukula kwa misika ya inshuwaransi ku India – Wowunika akuwonetsa zinthu 6 zofunika

Yolembedwa ndi Supriya Rathi – Woyang’anira Wamuyaya wa Anand Rathi Insurance Brokers Pvt Ltd.

Malinga ndi kusindikiza kwaposachedwa kwa Swiss Re, kuchuluka kwa inshuwaransi ku India ndi 4.2%. Kuyika izi moyenera, avareji yapadziko lonse lapansi yolowera inshuwaransi ndi 7.3%. M’mayiko otukuka monga UK, ndi 11% ndi USA pa 12%. Pa mlingo uwu, panopa tikutsalira kwambiri ngakhale anzathu akumadera monga Malaysia ndi Thailand.

Kulowa kwamakampani a inshuwaransi ya moyo ku India ndi 3.2%, poyerekeza ndi pafupifupi 3.3%. Kwa magawo osakhudzana ndi moyo, chiwerengerochi ndi chotsika kwambiri pa 1% poyerekeza ndi 4%.

Ntchito yachitukuko ya bungwe

Inshuwaransi ngati gawo lofunikira pakukula kwachuma chachikulu. Cholinga chodziwikiratu cha IRDAI m’makampani osakhala a inshuwaransi ndikuwonjezera kulowa kwa inshuwaransi mpaka 2.5% pofika chaka cha 27 kuchokera pa 1% yomwe ilipo. Kuti izi zitheke, woyang’anira akufuna kukulitsa njira zogawanitsa, kuthandizira kusungitsa zinthu zatsopano komanso kukhazikitsidwa kwaukadaulo pamtengo wamtengo wapatali; Zonsezi zaposachedwa ndi gawo lolandirika ku cholinga cha IRDAI cha inshuwaransi kwa onse pofika 2047.

Kudziwitsa za inshuwaransi ndi maphunziro

Chidziwitso cha inshuwalansi chidakali chochepa kwambiri ku India. Onse okhudzidwa, ma inshuwaransi, owongolera ndi oyimira pakati akuyenera kudziwitsa anthu kudzera m’njira zosiyanasiyana monga kutsatsa kwa digito ndi njira zapa media zachikhalidwe. AMFI, woyang’anira ndalama za mgwirizano, adayendetsa ntchito yopambana: Joint Fund Sahi Ha, yomwe inathandiza kudziwitsa anthu za ndalama zogwirizanitsa ngati chida chosungira. Njira zodziwitsa anthu za inshuwaransi zofananira ziyenera kutsatiridwa ndi okhudzidwa.

Makampani a inshuwalansi apindula ndi zotsatira za mliriwu pa chidziwitso cha zoopsa; Chifukwa chake makampani a inshuwaransi akuyenera kugwiritsa ntchito mwayiwu kuti alowe mozama mumsika waku India.

Kugawa utsogoleri wa inshuwaransi yakumidzi

Kuti muwonjezere kulowa kwa inshuwaransi ku India, ndikofunikira kwambiri kuti madera akumidzi osatetezedwa komanso osauka akumatauni abweretsedwe pansi pa inshuwaransi. Makampani a inshuwaransi adzafunika kupanga zida za inshuwaransi zatsopano, zotsika mtengo zoyenera msikawu. Kuphatikizika kwa malonda a pa intaneti komanso kutumizidwa kwa othandizira kudzera ma CSC, ma positi ofesi akuyenera kufufuzidwa. Pano mgwirizano wa NGO / chikhalidwe cha anthu udzakhalanso njira yabwino yothetsera kulumikizana komaliza kumidzi.

Zopangira zatsopano komanso zopereka zotsika mtengo

IRDAI yakhazikitsa njira ya “kugwiritsa ntchito ndi mafayilo” pazinthu zonse za inshuwaransi kupatula inshuwaransi ya moyo ndi zina za inshuwaransi ya moyo. Opanga ma inshuwaransi amayenera kupanga zida za inshuwaransi zatsopano komanso zatsopano zomwe zimakhala zosavuta komanso zotsika mtengo.

IRDAI ikuyenera kulola kugulitsa kochulukira kwa inshuwaransi papulatifomu ya PoSP zomwe zipangitsa kuti anthu adziwe zambiri komanso kulowa kwa inshuwaransi. Ma inshuwaransi ayenera kupanga malonda a inshuwaransi ang’onoang’ono ndikuwonetsetsa kuti ndondomeko zatsopano komanso zotsika mtengo zikupezeka kwa anthu ambiri. Zitsanzo zabwino zazinthu zotere ndi inshuwaransi yapaintaneti, inshuwaransi yaziweto/zifuyo, inshuwaransi yazachuma, inshuwaransi yoyenda pakhomo, inshuwaransi yapakompyuta ndi zida zam’manja, inshuwaransi ya ndalama zakuchipatala pakati pa ena ambiri. Zogulitsazi zitha kupangidwa mogwirizana ndi zosowa za wogula aliyense payekhapayekha kuti wogula waku India adziwitsidwe pang’onopang’ono lingaliro la inshuwaransi ndikuyamba kuwona zabwino zake.

luso laukadaulo

Bizinesi ya inshuwaransi ku India ikukula mwachangu, ndi kukwera kwakukulu kuchokera kukusintha kwa digito ndi data yayikulu. Pakadali pano, pali zoyambira zopitilira 150 za InsurTech zomwe zikugwira ntchito ku India. Kugwiritsa ntchito ukadaulo pakuchenjeza ndi kubweza ngongole kumathandizira njira ndikuchepetsa TAT, ndikupangitsa kuti ogula azidalira kwambiri. Kuphunzira pamakina kumatha kubweretsa mphamvu zogwirira ntchito ndi njira zodandaulira zamakampani a inshuwaransi, kuchepetsa chinyengo chambiri komanso kukhazikika. Pazaka zingapo zikubwerazi, kugwiritsa ntchito ukadaulo panjira yogulitsa inshuwaransi kudzasintha makampaniwo ndikuthandizira kwambiri pakulowa kwa inshuwaransi.

Mapulani a inshuwaransi ndi boma

Boma la Pradhan Mantri Jeevan Jyoti Bima Yojana, Ayushman Jan Arugya Yojana, Fazil Bima Yojana ndi Pradhan Mantri Suraksha Bima Yojana ndi omwe adathandizira pakukula kwa inshuwaransi mdziko muno. Mapulani ofanana a inshuwaransi a mabanja omwe amapeza ndalama zochepa panyumba zawo ndi magalimoto awo adzapititsa patsogolo kukula.

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