Insurers set to move away from one-size-fits all models

Indian insurers are shifting to risk-based capital and new profit recognition rules from April 2026. This means capital needs will align with actual risks, and revenue will be recognized as services are provided. Expect more disciplined underwriting and pricing across life, general, and health insurance sectors as a result.

Dec 27, 2025 1

Insurers set to move away from one-size-fits all models
Indian insurers are shifting to risk-based capital and new profit recognition rules from April 2026. This means capital needs will align with actual risks, and revenue will be recognized as services are provided. Expect more disciplined underwriting and pricing across life, general, and health insurance sectors as a result.
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