Insurance penetration remained unchanged in 2025, at about half of global average

Indian insurance penetration stays at 3.7 percent, lagging behind the global average. Life insurance penetration saw a slight dip, while non-life insurance remained steady. Insurance density, however, increased to 97 dollars per person. Experts predict a period of adjustment for the sector due to new regulations. Life insurance premiums are expected to grow moderately before a stronger recovery.