In 2025, India's insurance sector saw major shifts with the Sabka Bima Sabki Raksha (Amendment of Insurance Laws) Bill, 2025 enabling 100% FDI, fostering competition, alongside tech booms in Artificial Intelligence/Machine Learning (AI/ML) for underwriting & claims, a surge in digital policy issuance, new products like usage-based & embedded insurance, and a significant push for enhanced regulatory governance and financial inclusion, driving massive capital inflow and market growth.