印度的保险渗透率在25财政年度下降到3.7%;改革的目的是遏制误售和扩大准入。 India's insurance penetration fell to 3.7% in FY25; reforms aim to curb mis-selling and expand access.

尽管保险费上涨,但印度保险部门仍面临停滞,由于销售成本高和保险覆盖面低,25财政年度的渗透率下降到3.7%。 India’s insurance sector faces stagnation despite rising premiums, with penetration dropping to 3.7% in FY25 due to high distribution costs and low coverage. 经济调查报告强调了改革措施, 包括将违规处罚提高到100万卢比, 授予IRDAI权力扣押非法收益, 并扩大对中介机构的监督. The 2025–26 Economic Survey highlights reforms including raising penalties for violations to ₹10 crore, granting IRDAI power to seize wrongful gains, and expanding oversight to intermediaries. 2025年《Sabka Bima Sabki Raksha法》将外国直接投资限制提高到100%,简化了登记手续,降低了再保险门槛,并设立了政策持有人保护基金。 The Sabka Bima Sabki Raksha Act, 2025, lifts FDI limits to 100%, streamlines registration, lowers reinsurance thresholds, and establishes a policyholder protection fund. 这些变化旨在遏制错误销售、提高效率和扩大准入。 These changes aim to curb mis-selling, improve efficiency, and expand access.