– Surge in individual health policy uptake – Group insurance demand rising among corporates – Chronic lifestyle diseases driving long-term growth
Top Health Insurance Focused Stocks
– Star Health & Allied – India’s leading standalone health insurer – Niva Bupa (if listed) – Fast-growing player in urban India ICICI Lombard – Strong health portfolio within general insurance
Why These Stocks Are Booming
– Rising hospitalization costs drive demand – Premiums growing faster than claims – Focus on tiered products & OPD coverage
Key Risks in Health Insurance
– High claims during health crises or pandemics – Delay in IRDAI approvals for new products – Margin pressure from high settlement ratios
Investment Insights
– Focus on 2–3 year horizon – Buy low, wait for re-rating