100% FDI in Insurance: Can It Bridge India’s Protection Gap?

India’s decision to allow 100% Foreign Direct Investment (FDI) in the insurance sector marks an important development for the country's insurance industry. While the reform can attract more foreign capital, advanced technology, innovative products, and stronger underwriting capabilities, a key question remains: will it improve insurance access for millions of underserved Indians?

In an exclusive opinion piece, Gaurav Bansal, Founder and CEO of InvestKraft, shares his perspective on why India's insurance challenge extends beyond capital investment. Distribution, consumer trust, financial awareness, and last-mile accessibility will be essential to closing the country's insurance protection gap.