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Indian State Owned Insurers Get Fund Injection

July 18, 2020

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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