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Kolkata: The year 2025 has witnessed more than 27% rise in insured members which reflects a growing awareness of the utility of insurance in a climate of surging healthcare costs, Care Health Insurance today announced its extensive 2025 Annual Trends Report.
"It is evident from our annual trends report that Indian Health Insurance consumers are proactively seeking comprehensive health coverage and are becoming more tech-savvy. Consumers are prioritizing preventive healthcare and lifestyle care. Through these behavioural shifts, we are guided and ensuring that Care Health Insurance offers solutions that are intuitive. We're committed to investing in technology to make Health Insurance easier to understand, more accessible and adaptable to our customers' evolving needs," said Manish Dodeja, chief operating officer, Care Health Insurance.
The most preferred renewal method of insurance policies is now online, with almost 10% increase of customers paying renewal premiums digitally, mentioned the report. In a similar trend, there is also a rising demand for app-based services. Customers resort to mobile app for variety of services -- for filing claims, renewing policies, accessing hospital networks or scheduling health checks. The company has experienced about 30% of its customers filing claims via the app and over 15% of policy renewals through the mobile app over the last one year.
A change in purchasing habits across age groups was also reported. All the groups have reported an annual increase in the average sum insured. For example, the average sum insured for the 0–17 age group rose by more than 7% between FY25 and FY26 (up to this time). The upshot: Indian families are buying bigger coverage for their children.
This apart, first-time buyers of insurance who are in the age group 18–35 years continue to make up a sizable portion of all policyholders. They constitute more than 30for FY26. Another age group to witness a rise by 14% is senior citizens. Comprehensive health security is becoming more and more popular among consumers, the survey has found. Customers are increasingly resorting to Top-up coverage, OPD benefits, wellness initiatives, teleconsultation, home care, said the report.
