The Insurance Regulatory and Development Authority of India (IRDAI) has launched an ambitious and visionary agenda ‘Insurance for All by 2047’. The primary goal of this vision is not just to increase insurance coverage but also to create a stable, inclusive and innovation-led insurance ecosystem that not only aims to provide affordable and accessible solutions to every individual and business in India but also enables India to provide financial security to its citizens.

The goal requires concerted action on multiple fronts through cooperation between all parties involved—insurers, regulators and intermediaries. While IRDAI, on its part, has implemented regulatory reforms aimed at broadening market access, diversifying product lines, promoting financial inclusion, and improving ease of doing business, insurance companies can support the vision through various measures to increase reach among underserved segments, improve awareness, and cover poorly covered risks. Insurance companies’ own financial resilience and capacity have a multiplier effect on such measures, and these can be achieved through better use of technology.

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