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October 8, 2026

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1513 articles

AllAI & InsurtechClaims & Loss PreventionGlobal & Cross-Border InsuranceIndustry Risk ProfilesInsurance for Startups & New EconomyInsurance ProductsMarket & TrendsOperations & Best PracticesRegulation & ComplianceRisk Management StrategiesUnderwriting & Risk

Insurance for Startups & New Economy - August 4, 2026 - 10 min read

Uber Challenges the Karnataka Gig Welfare Fee: Provisioning an Escrowed Levy While the Insurance Obligation Stays Live

Uber has challenged the constitutional validity of Karnataka's gig workers welfare law, and the High Court has extended the arrangement under which aggregators deposit the welfare fee into the Court Registry rather than the Welfare Board. The cash still leaves the platform, the benefit does not yet reach the worker, and nothing about the litigation suspends the aggregator's own insurance obligations.

By Sarvada Editorial Team

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Risk Management Strategies - August 2, 2026 - 9 min read

25% of Employees, 46% of Hospitalisation Claims: Turning Screening Participation Into a Group Mediclaim Loss-Ratio Lever

The third CII and MediBuddy report finds that employees who skip annual health checks hospitalise at roughly three times the rate of those who screen, and the quarter of the workforce that avoids screening drives nearly half of inpatient claims. This post sets out how to convert that finding into a screening-participation clause, a renewal credit an insurer will actually honour, and a follow-through programme that respects DPDP boundaries.

By Tarun Kumar Singh

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Regulation & Compliance - August 2, 2026 - 11 min read

Perpetual Registration, an Annual Fee and 31 January 2027: The Notified Intermediaries Amendment Compliance Clock

IRDAI notified the Insurance Intermediaries (Amendment) Regulations, 2026 on 31 July, making broker, corporate agent, IMF and web aggregator registrations perpetual against an annual fee. Two dates now run the clock: fresh-certificate applications by 31 January 2027, and salesperson tagging on every proposal and policy from 1 January 2027.

By Tarun Kumar Singh

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Global & Cross-Border Insurance - July 31, 2026 - 10 min read

The Joint War Committee Moved the Red Sea Line North: Jeddah, Yanbu and Indian Cargo War Cover

JWC Circular JWLA-034 of 29 July 2026 pushed the Red Sea notification line north, putting Jeddah and Yanbu inside the additional-premium zone and lifting hull war rates from 0.25% to 1% of vessel value within a day. What the listed-area mechanic means for Indian exporters shipping to Saudi Red Sea ports, and the open-cover clauses that decide who pays.

By Sarvada Editorial Team

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Insurance Products - July 30, 2026 - 10 min read

Group Cancer Cover Above a Rs 3 to 5 Lakh GMC Base: What Drop-Down Oncology Cover Buys That a Super Top-Up Does Not

Howden India has built a group cancer cover for employer plans, sitting above GMC bases that typically run Rs 3 to 5 lakh per employee. The structure pays after exhaustion, drops down where the base excludes a treatment, and includes pre-existing disease. Here is how it compares with the three alternatives an employer already has.

By Sarvada Editorial Team

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Regulation & Compliance - July 29, 2026 - 11 min read

IRDAI's Penalty Procedure Regulations: The 21-Day Show-Cause Clock and the File You Build Before the Notice

IRDAI approved the Manner and Procedure for Imposing Penalties Regulations, 2026 at its 137th Authority Meeting, codifying what a show-cause notice must contain and giving noticees a minimum 21 days to reply. Why a broking firm cannot assemble that reply from a standing start, and the readiness pack to build before the notice arrives.

By Tarun Kumar Singh

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Operations & Best Practices - July 26, 2026 - 10 min read

CKYC 2.0 and the Single Customer ID: What Changes in Broker Onboarding, Re-KYC and Record Retention

India's central KYC registry moves to CKYC 2.0 in August 2026, with a single customer identifier reusable across banks, insurers and mutual funds. This post walks the broker onboarding workflow end to end: where the identifier replaces document collection, where it does not, and the SOP edits to make before the rollout.

By Tarun Kumar Singh

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Claims & Loss Prevention - July 25, 2026 - 8 min read

Seven Days or an Ex Parte Award: IRDAI's July 2026 Ombudsman Circular and How Commercial Complainants Should Use It

IRDAI's 23 July 2026 circular gives insurers 7 days to file their self-contained note with an ombudsman and directs offices to decide on the record if they miss. For proprietor-held and micro-enterprise commercial policies inside the Rs 50 lakh limit, insurer silence just became a liability for the insurer, not the complainant.

By Sarvada Editorial Team

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Operations & Best Practices - July 24, 2026 - 11 min read

Professional Indemnity for Insurance Brokers: The Cover Your Own Firm Is Required to Hold

A broking firm arranges liability cover for everyone else and often holds its own professional indemnity at the bare regulatory minimum. That minimum is three times last year's remuneration, and it is a licence condition, not a risk assessment. What the policy covers, how claims against brokers actually arise, and why the statutory floor is dangerously low for a firm placing large risks.

By Tarun Kumar Singh

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Regulation & Compliance - July 24, 2026 - 11 min read

Claim Turnaround Entitlements Under IRDAI's Policyholder Protection Regulations: What Commercial Buyers Can Demand

A commercial claim does not sit at the insurer's convenience. IRDAI's policyholder-protection framework fixes turnaround times for surveyor appointment, survey reporting, and settlement, and makes interest on delay an entitlement rather than a favour. The checklist a risk manager can quote back to an insurer.

By Tarun Kumar Singh

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