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Insurance in India



Insurance is system by which the losses suffered by a few are incurred by many, exposed to similar risks. Insurance is a protection against financial loss arising on the happening of an unexpected event. Insurance policy helps in not only lessening risks but also provides a financial security against unfavorable financial conditions. The Insurance sector in India has gone through a number of phases and changes, particularly in the recent years when the Govt. of India in 1999 opened up the insurance sector by allowing private companies to solicit insurance.

Insurance policies cover the risk of life as well as other assets and valuables such as home, automobiles, jewelry etc. There are basically two types of insurances in India, i.e. Life Insurance Policies and General Insurance Policies.
 
Insurance in India  
Life Insurance Policies :
 
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