印度舉辦峰會以提升保險覆蓋率
India Hosts Summit to Boost Insurance Coverage
印度正致力於透過「2047年全民保險」計畫來徹底改造其金融版圖。
India is on a mission to transform its financial landscape through the "Insurance for All by 2047" initiative.
這項宏偉的計畫旨在確保每位公民與企業，都能在國家獨立一百週年時享有壽險、健康險與產險。
This ambitious project aims to ensure every citizen and business has access to life, health, and property insurance by the 100th anniversary of the country's independence.
目前保險滲透率約為GDP的3.7%，成長空間巨大。
Currently, with insurance penetration at about 3.7% of GDP, there is massive room for growth.
為縮小此差距，政府已實施多項重大改革，包括開放100%外資持股，並取消壽險與健康險的商品服務稅（GST），以提升保單的親民度。
To bridge this gap, the government has introduced significant reforms, including allowing 100% foreign investment and removing the GST on life and health premiums to make policies more affordable.
這項轉型計畫的核心為「保險三位一體」（Bima Trinity），一套由Bima Sugam、Bima Vahak與Bima Vistaar組成的數位框架，旨在簡化投保與理賠流程。
A major part of this transformation is the "Bima Trinity," a digital framework consisting of Bima Sugam, Bima Vahak, and Bima Vistaar, designed to simplify buying and claiming insurance.
產業高峰會透過匯集專家，探討人工智慧如何優化核保，以及如何觸及服務不足的偏鄉地區，在其中扮演了關鍵角色。
Industry summits play a vital role by bringing together experts to discuss how artificial intelligence can improve underwriting and how to reach underserved rural areas.
儘管建立消費者信任與簡化產品等挑戰依然存在，印度正從被動的風險保障，轉向建立長期的財務韌性。
While challenges like building consumer trust and simplifying products remain, India is shifting from reactive risk coverage to building long-term financial resilience.
透過聚焦創新與最後一哩路的連結，該國正邁向創建一個完全投保的社會。
By focusing on innovation and last-mile connectivity, the country is well on its way to creating a fully insured society.
