Insurance and Financial Risk Management
Open access
Peer reviewed
Abstract
Abstract
This study examines the performance of India’s health insurance industry from 2011–12 to 2023–24, focusing on the relationship between earned premiums and underwriting profit or loss. It aims to determine whether rising premiums indicate improved performance or mask underlying inefficiencies. Using 13 years of annual data, a simple linear regression was conducted with underwriting results as the dependent variable and premiums as the independent variable. Findings reveal a strong negative relationship (R = 0.9306) and a high explanatory power (R² = 0.8660), indicating that 86.6% of variations in underwriting losses are linked to premium changes. Despite premium growth, losses have increased, suggesting inefficiencies in cost control, claims management, or pricing. The negative, statistically significant coefficient (p < 0.001) confirms this trend. However, a high residual error and small sample size warrant caution. Overall, rising premiums alone do not guarantee profitability and may obscure deeper financial weaknesses.
Direct answer
What can I do from this paper page?
Use this page to scan "Assessing the Dynamics and Growth Path of India’s Health Insurance Industry" quickly: start with the summary and abstract, then check the authors, source, topics, and related papers. From here, open Scollr to follow Insurance and Financial Risk Management research, save the paper, or map adjacent work.
Research areas
Follow related topics
Citation
BibTeX
@article{T2026Assessing,
title = {Assessing the Dynamics and Growth Path of India’s Health Insurance Industry},
author = {Srinivasa H. T. and venkidasamy K.},
journal = {MANTHAN Journal of Commerce and Management},
year = {2026},
doi = {10.17492/jpi.manthan.v13i1.1312603},
url = {https://doi.org/10.17492/jpi.manthan.v13i1.1312603}
}FAQ
Using this paper in a discovery workflow
How do I find related work for this paper?
Use the related papers and topic links on this page as starting points. In Scollr, you can also open the paper and build a literature map around its references, citing papers, and related work.
How can I keep up with new Insurance and Financial Risk Management research papers?
Follow Insurance and Financial Risk Management research in Scollr. New papers from the topic flow into a personalized feed, and you can save useful studies to revisit later.
Can I cite this paper from this page?
This page includes a static BibTeX block for Assessing the Dynamics and Growth Path of India’s Health Insurance Industry. Always verify the DOI, source, and publication details against the publisher record before submitting a manuscript.
Follow this research in Scollr
Follow the topics and authors behind this paper, save useful studies, and build a literature map when you are ready to go deeper.
Get the app