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Frequent low-intensity earthquakes are prompting people living in the National Capital Region (NCR) to look for home insurance, according to a survey. According to a report by the National Disaster Management Authority, 59% of India is vulnerable to moderate-to-major earthquakes.

More than 11,000 home owners were surveyed to gain an understanding of people’s attitude towards home insurance. Five out of 10 respondents in Delhi said that earthquakes have made them anxious enough to think about buying home insurance while 35% of the respondents in NCR have home insurance.

Survey findings show however that home insurance is not the first insurance product on most people’s “To Buy” list as 73% of the respondents across India and 57% in Delhi-NCR said that they have so far not considered buying home insurance.

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An active monsoon season prompted more than $20bn in flood-related damage in parts of China, Japan, India and Bangladesh during the month alone. Much of the physical damage to property, infrastructure and agriculture was anticipated to be uninsured – only reinforcing the importance of finding ways to help lower the protection gap across the region.

Furthermore, persistent seasonal rainfall worsened the flood situation across China’s Yangtze River Basin during the month, with the death toll since 1 June rising to at least 175, as extensive flooding affected the hardest-hit provinces of Anhui, Hubei and Chongqing municipality.

The Ministry of Emergency Management (MEM) noted that nearly 500,000 homes had been damaged or destroyed and 5.2m ha of cropland affected. Direct seasonal economic losses were estimated at CNY150bn ($22bn), of which nearly $16bn occurred in July. Most of the losses were anticipated to be uninsured.

Other natural hazard events that occurred in Asia Pacific in July include:

• Record-breaking rainfall triggered widespread flash flooding and landslides across southern Japan from 3-10 July, killing at least 82 people and injuring 114 others. Flood damage was most severe on Kyushu Island as dozens of prefectures reported varying levels of physical damage impacts to homes, businesses, infrastructure and agriculture. The event prompted a nearly $4bn recovery effort by the federal government.
• Record-breaking rains, described as a 1-in-500-year event by the Meteorological Service of New Zealand, triggered flash flooding and landslides in northern and western New Zealand on 17-18 July. Thousands of homes and a vast area of agricultural land in Northland were inundated. Local authorities of New Zealand expected a multi-million-dollar level of direct damage and economic loss.

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Based on early data from insurers, 43% of the buyers of the standard short duration COVID-19 policy sold by all general and health insurers in India are in the age group of 20-30 years.The policy offers a policy period from three-and-a-half months to nine-and-a-half months.

There are several factors that could explain the popularity of Corona cover.

People seem to be expecting the pandemic to go on for a while more, as suggested by the greater demand for policies ranging from six-and-a-half months to nine-and-a-half months – the upper limit of the available policy period.

The pricing of the policy, which is deemed affordable by most young urban working people, and the ease of buying it online, are other factors contributing to its popularity.

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The Indian government has decided to inject $2.3 bn into three state owned general insurers. National Insurance, Oriental Insurance and United India Insurance. The insurers’ capital has been significantly depleted by several loss-making underwriting years. After the capital injection, the insurers are expected to renew focus on risk management and profitability. They are expected to enhance their risk-based pricing and underwriting discipline to ensure organic capital growth and attract foreign reinsurance coverage.

The government’s goal of listing the companies on the stock market will become feasible only after this. The Cabinet also halted a planned merger of these insurers.

Additionally, given these state-owned insurers’ dominant position in India and ability to undercut other companies’ pricing, improved pricing discipline will benefit the wider market’s underwriting performance.

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Health insurance companies will not be allowed to contest claims once the premiums on a policy has been paid for a continuous period of eight years, the IRDAI states in new guidelines on indemnity based health insurance. This period of eight years is called the moratorium period. The policies would however be subject to all limits, sub limits, co-payments, and deductibles as per the policy contract. The IRDAI said the objective of the guidelines is to the policies and ensure uniformity across the industry.

The guidelines also state, “If any claim made by the insured person, is in any respect fraudulent, or if any false statement, or declaration is made or used in support thereof, or if any fraudulent means or devices are used by the insured person or anyone acting on his/her behalf to obtain any benefit under this policy, all benefits under this policy and the premium paid shall be forfeited.

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The Indian government is likely to reassess the need to establish a natural catastrophe insurance pool due to mounting economic losses from a series of such events in India over the past three years. Deliberations on a Nat CAT pool have been ongoing for almost five years now. However, due to a lack of consensus on the structure of the pool, it has not yet been set up.

“After Cyclone Amphan, consensus is emerging that there should be cover for dwellings and physical belongings during a natural catastrophe. Traditional insurance products may not be suitable to cover events of such a large scale,” said an official.

Cyclone Amphan caused widespread damage in East India and Bangladesh in May. It was the strongest tropical cyclone to strike the Ganges Delta since 2007, causing economic losses estimated at over $13bn. Insured losses could hit INR4bn ($53m), as per initial estimates. In the last five years, losses due to catastrophes have led to insured losses of almost INR270bn ($3.6bn).

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A working group formed by the insurance regulator IRDAI has proposed several changes to improve the credit insurance market and meet the requirements of various stakeholders involved in trade related transactions.

It has recommended an increase in the indemnity from the existing 85% of the trade receivables from each buyer to 90%, which is in line with global standards. For micro and small enterprises (MSEs) specifically, it proposes a 95% cover for losses.

The committee has also recommended modifications to certain trade credit insurance definitions for improved clarity and understanding, while also suggesting the inclusion of new options in the insurance policy, like a single-buyer risk cover only for MSEs.

The working group has also recommended the establishment of a Buyer Default Database with Insurance Information Bureau as a measure to keep a check on defaulters and improve risk mitigation. At the same time, it suggests that the Reserve Bank of India recognize credit insurance products as risk mitigation tools for banks so as to make them eligible for capital relief.

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