Kshitiz Sharma, Thomason Rajan Kolath, M. G. Sharma
{"title":"团体医疗保险:一种健康保险产品","authors":"Kshitiz Sharma, Thomason Rajan Kolath, M. G. Sharma","doi":"10.2139/SSRN.2796432","DOIUrl":null,"url":null,"abstract":"India's life insurance sector is the biggest in the world with about 360 million policies and the total market size of insurance projects is projected to touch US$ 350-400 billion by 2020 from US$ 60 billion in 2015. Even with such a huge opportunity in the marketplace, insurance companies have been able to penetrate the non-life insurance sector in India only in the range of 0.5-0.8 per cent. The authors have attempted to study this anomaly and have focused their attention on two aspects- the distribution of health insurance products and the purchase of products using the example of a typical customer. The article starts by addressing at length the various types of health insurance policies in the Indian market including the customer-centric innovations as well as the multiple distribution channels. In the second part, the authors use a case study to elaborate on the decision journey of a 30-year old man named Rex and discusses in detail the multiple challenges that affect health insurance purchases from a customer perspective.","PeriodicalId":253597,"journal":{"name":"SIRN: Individual Health Insurance (Sub-Topic)","volume":"13 1","pages":"0"},"PeriodicalIF":0.0000,"publicationDate":"2016-06-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Group Mediclaim: A Product for Health Insurance\",\"authors\":\"Kshitiz Sharma, Thomason Rajan Kolath, M. G. Sharma\",\"doi\":\"10.2139/SSRN.2796432\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"India's life insurance sector is the biggest in the world with about 360 million policies and the total market size of insurance projects is projected to touch US$ 350-400 billion by 2020 from US$ 60 billion in 2015. Even with such a huge opportunity in the marketplace, insurance companies have been able to penetrate the non-life insurance sector in India only in the range of 0.5-0.8 per cent. The authors have attempted to study this anomaly and have focused their attention on two aspects- the distribution of health insurance products and the purchase of products using the example of a typical customer. The article starts by addressing at length the various types of health insurance policies in the Indian market including the customer-centric innovations as well as the multiple distribution channels. In the second part, the authors use a case study to elaborate on the decision journey of a 30-year old man named Rex and discusses in detail the multiple challenges that affect health insurance purchases from a customer perspective.\",\"PeriodicalId\":253597,\"journal\":{\"name\":\"SIRN: Individual Health Insurance (Sub-Topic)\",\"volume\":\"13 1\",\"pages\":\"0\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2016-06-16\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"SIRN: Individual Health Insurance (Sub-Topic)\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.2139/SSRN.2796432\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"SIRN: Individual Health Insurance (Sub-Topic)","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.2139/SSRN.2796432","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
India's life insurance sector is the biggest in the world with about 360 million policies and the total market size of insurance projects is projected to touch US$ 350-400 billion by 2020 from US$ 60 billion in 2015. Even with such a huge opportunity in the marketplace, insurance companies have been able to penetrate the non-life insurance sector in India only in the range of 0.5-0.8 per cent. The authors have attempted to study this anomaly and have focused their attention on two aspects- the distribution of health insurance products and the purchase of products using the example of a typical customer. The article starts by addressing at length the various types of health insurance policies in the Indian market including the customer-centric innovations as well as the multiple distribution channels. In the second part, the authors use a case study to elaborate on the decision journey of a 30-year old man named Rex and discusses in detail the multiple challenges that affect health insurance purchases from a customer perspective.
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