Aon plc has released India insights from its inaugural 2025 Insurer Wellbeing Benchmarking Report, flagging rapid digitalisation and expanding coverage in the country’s health insurance sector, even as gaps in awareness, affordability and standardisation persist. The report, based on a survey of six insurers and evaluation of over 600 data points across 10 wellbeing domains, found that 83% of insurers now offer telemedicine services, including GP consultations, chronic disease management, e-prescriptions and medicine delivery. However, only one-third reported outpatient claims savings of 1.1% to 1.5%, indicating limited cost impact so far.
Employee Assistance Programmes (EAPs) are offered by 67% of insurers, with services in English, Hindi and select regional languages, though utilisation ranges widely from 1% to 50%. Mental health support is available with 50% of insurers, but engagement largely remains between 11% and 20%.
Health screenings, offered by half of insurers, show low uptake. Only one insurer reported claims savings exceeding 5.1% through early detection initiatives, while just 33% have structured case and specialist disease management programmes.
Susan Fanning of Aon said insurers must innovate and align with employer priorities, while Ashley D’Silva highlighted reforms such as Ayushman Bharat and regulatory changes as key drivers of transformation.
