EY · 25 Sep, 12:06 · Finance briefing

How Indian insurers can move beyond claims to continuous protection | EY - India

EY reports that Indian insurers must evolve from traditional claims processing to offering continuous protection services.

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The briefing

The story
in brief.

What happened, who it affects, and why it landed on our intelligence desk — in plain English, sixty seconds or less.

EY reports that Indian insurers must evolve from traditional claims processing to offering continuous protection services. This strategic shift involves leveraging technology and data analytics to provide proactive risk management rather than reactive compensation. The industry is moving towards a customer-centric model where insurers engage with policyholders throughout the lifecycle, not just during incidents. This transition requires integrating digital tools to monitor risks in real-time, thereby enhancing customer retention and creating new revenue streams beyond standard premiums for the sector.

Employer demand for AI in Insurance skills — indexed growth since 2019
Indicative index of skill mentions in professional job postings for the field this story moves (2019 = 1)

Your move

What this means
for your career.

Every headline redistributes opportunity. Here is who this one rewards — and how to be on the right side of it.

You must pivot your career focus towards proactive risk management and customer engagement strategies. Traditional claims processing skills are losing value, while expertise in predictive analytics and continuous service models is rising sharply. If you work in insurance, finance, or data analytics, you should pay close attention to these emerging trends. A smart professional would upskill in AI applications for insurance and advanced data science to interpret risk patterns. You should also develop strong business management skills to bridge technical insights with strategic decision-making. Prioritise certifications that demonstrate your ability to drive digital transformation and enhance customer lifetime value through continuous protection frameworks.

For this story, the fields that convert it into pay are AI in Insurance, Data Science, Risk Management Strategies and Business And Management — exactly the programmes matched below. The chart shows the indicative salary uplift certified professionals report in each of those fields; every one of them is a click away, from £79, finishing in as few as 20 days.

Indicative salary uplift in the fields matched to this story
Indicative ranges from published continuing-education salary studies, by field — each field is a recommended course below

Matched to this story

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