India’s Insurance sector
Enhanced Role of Regulator: The regulator needs to exercise vigilance on three other aspects.
It must ensure that insurance is not denied to lower-income people who make up the bulk of the population and have the most need for protection.
It should insist that insurers facilitate a simple online process for direct buying of insurance products, bypassing intermediaries.
It should ensure that players do not overcharge or add hidden costs.
Demographic factors, coupled with increasing awareness and financial literacy, are likely to catalyse the growth of the sector. An enhanced regulatory regime that focuses on increasing insurance coverage is the need of the hour.

Rural Centric Approach: Insurance companies in India will have to show long-term commitment to the rural sector as well, and will have to design products which are suitable for rural people.
In this context, government insurance schemes such as Pradhan Mantri Jan Arogya Yojana, Pradhan Mantri Fasal Bima Yojana, Pradhan Mantri Suraksha Bima Yojana, and Pradhan Mantri Jeevan Jyoti Bima Yojana are notable steps in right direction.
Need For Awareness Program: There is a need for complementary thrust to spread awareness and improve financial literacy, particularly the concept of insurance, and its importance.
Technological Intervention: Another area that necessitates regulatory scrutiny is that of application of technology in insurance. An example is the emergence of ‘InsurTech’, designed to make the claim process simpler and more comprehensible.

Nascent Non-life Insurance: Life insurance dominates the sector with a huge share of 74.7%, with non-life insurance accounting for the remaining 25.3%.
In the non-life insurance sector, motor, health, and crop insurance segments are driving growth. India’s non-life insurance penetration is below 1%.
In addition, insurance products catering to speciality risks such as catastrophes and cyber security are at a nascent stage of development in the country.
Rural-Urban Divide: Low insurance penetration and density rates prevail in India. However, Rural participation of insurers remains deficient, and life insurers, especially private ones, gravitate towards the urban population.
Capital Starved Insurers: Insurers in India lack sufficient capital, and their financial health, particularly that of the public-sector insurers, is in a precarious state.
Further, investment in the insurance sector got dwindled due to the crisis in banks and NBFCs (non-banking financial companies) sector.

Challenges in India’s Insurance sector
Prevalence of Insurance Gap: The insurance penetration (ratio of total premium to GDP (gross domestic product)) and density (ratio of total premium to population) stood at 3.69% and US$ 73, respectively for FY18 (fiscal year 2017-18), which is low in comparison with global levels.
These low penetration and density rates reveal the uninsured nature of large sections of population in India, and the presence of an insurance gap.
Public Sector Dominated: The insurance sector has transitioned from being an exclusive State monopoly to a competitive market, but public-sector insurers hold a greater share of the insurance market even though they are fewer in number.

Government should bann the YouTube channels who are spreading hate and openly spreading hatred and lies to the people of India trying to unstable India only for money. Government should bring a strict law against it and also a law with imprisonment against people whether living in India or outside who defame the prime minister or his work or spread hatred among the public.

Honourable our beloved Prime Minister sir
My suggestion is
There is a lot of food wastage in our country and the only way to stop it is if agriculture is made a compulsory subject for school students,they will know the beauty of food and strict action should be taken against those who waste food under any circumstances
Thank you sir
My service for our world peace past 45 years from our nation sir
I given below my activities to your Blessings sir
Thank you

Respected Prime Minister Ji,
Please find my letter attached. I have shared my views on the need to strengthen research in key areas such as microbiome studies, molecular ecology, and plant molecular biology. I emphasized the importance of establishing dedicated research centers, enhancing climate resilience studies, recruiting dynamic research leaders, and creating an open data repository for public engagement. These initiatives are crucial to positioning India as a global leader in scientific advancement.
Sincerley,
Chidambareswaren M, PhD

Sir, Poore Bharat Ki taraf se Pyar Bhara Namaskar Sriman Ji.
Sir, Mai Apse Har Ghar ek Job ke bare me bolna chahta hoon karib 10 Salon se mai Har Ghar 1 Job ke bare me aapse niwadan kiya hoon Sir Please iss par Dhyan Dijiye. Sarkar sab ko sarkari Naukari nahi de sakti lekin Har Sanyukt Pariwar se 1 ko to job de hi sakti hai Lekin iske liye bhi kam se kam 6 logon ka hi pariwar hona chahiye . iss yojna se sanyukt pariwar me bhi log rahne ke liye lalayit honge . yah yojna kewal Sayunkt pariwar wale hi bhar sakenge aur jinke yahan koi sarkari job koi na paya ho wahi bharega. Aur Pariwar ke samast Sroto se income 2 lakh se kam ho wahi bharega Age ki koi bond na ho .
Rishabh Agrawal , Jay Jyoti Inter College, Churk, Sonebhdra, U.P.

Pradhanmantri ji ko mera pranam 🙏mera aapse binti h....kuch Bank Wale loan k liye pareshan kar Raha h.loan nahi mil raha h..mai chahta hu ki aap jo pareshan h..Bina garanty wala Jo loan hvo asani se mil jaye...garibo ko uska labh mil sake....or har Road pr saaf safai va ledis or gents toilet bante rahe...taki rah chalte hue... pareshan na ho.....Jo middle class ki family h...unke liye achchi socha Jaye....jai hind jai bharat.

आदरणीय प्रधानमंत्री जी, सादर प्रणाम! कृपया हाकी के जादूगर दादा ध्यानचंद जी के जन्मदिवस 29 अगस्त, जिसे भारत में खेल दिवस के रूप में मनाया जाता है, के अवसर पर ध्यान चंद जी को मरणोपरांत 'भारत रत्न' देने की घोषणा करने की कृपा करें।‌ उल्लेखनीय है कि अब खेलों‌ में सर्वश्रेष्ठ योगदान के लिये ' खेल रत्न पुरस्कार' भी उन्हीं‌ नाम पर दिया जाता है। ऐसे में ध्यानचंद जी को खेलों में उनके अतुलनीय योगदान के लिए भारत रत्न से सम्मानित करने से समूचा खेल जगत धन्य होगा। धन्यवाद।