Insurance is that financial product that you wished you had bought when bad times come in the form of an untimely death, a medical emergency, an accident or a theft. India is moving slowly from a country that simply saves more to absorb the risk to one where modern financial products are used to mitigate the risk of future events. This shift shows up in the numbers of the life and general insurance industries in India that together see an annual premium flow of more than a huge ₹6 trillion.
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