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Industry finds hope in the recommendations!
It looks like happy days are here again for the reinsurance fraternity in India, as the Reinsurance Expert Committee (REC) has recommended that after GIC Re, insurers should be allowed to obtain the best terms simultaneously from Indian reinsurers, foreign reinsurance branches, Lloyds India and cross-border reinsurers that satisfy eligibility criteria.
Source : AIR | 01 Jan 2018
Life industry on a roll
The life insurance industry in India, consisting of 24 companies, has seen robust growth in 2017, backed by new business models, better products, customer centric technological initiatives along with a growing trend of personal savings in India. The industry is poised for higher growth in the second half of the current financial year and private insurers are expected to lead the charge. We speak to Mr Amitabh Chaudhry, MD & CEO, HDFC Life, on some of the issues the market is grappling with and what the future holds for the industry.
Source : AIR | 01 Jan 2018
General Insurance Company of the Year - 21st Asia Insurance Industry Awards 2017: Apollo Munich Health - This Award inspires us to reach new milestones
Awards are great! They are a mark of recognition given in honour of an achievement! Awards enhance a company’s brand reputation, instil confidence in customers about the quality and professionalism, and help employees take pride in their work.
Source : AIR | 01 Jan 2018
Cyber gap still prevalent in India
Mr Saurabh Verma of Reliance Industries Limited says cyber is one of the top 3 concerns for him, while lamenting that there are not many insurers are offering cyber protection.
Source : AIR | 01 Jan 2018
RM Vishakha: Balancing gender imbalance
Gender and diversity is an intricate and nuanced matter for business and HR leaders to be mindful about. Specifically, in the context of the Indian insurance landscape, the key themes centre on creation of organic considerations for women across versatile job profiles, inclusion of the differently-abled, and monitoring synergies across generations.
Source : AIR | 01 Jan 2018
GIC Re: Underwriting its future
2017 was an eventful year for GIC Re. In an interview with Asia Insurance Review, Mrs Alice G Vaidyan, Chairman-cum-Managing Director, GIC Re, assesses their achievements during the year and their plans for the years ahead.
Source : AIR | 01 Jan 2018
From India to the world
J B Boda is India’s oldest reinsurance broker, having started operations in 1943, and has today established itself as a major player around the world. The company’s Chairman, Mr Atul Dhirajlal Boda, speaks on the journey so far and the future goals for the company.
Source : AIR | 01 Jan 2018
Indian non-life insurance industry: Performance and potential
The Indian insurance industry has been on a roll for the last 17 years. It is now on a threshold to make the big jump into the super league. Mr R Chandrasekaran of General Insurance Council of India outlines what the non-life insurance industry has achieved over the years and what remains to be tapped.
Source : AIR | 01 Jan 2018
Which will win, cybercrime or cyber insurance?
Rapid digitalisation and growth of online culture in India has also brought in sophisticated cybercrime. Asia Insurance Review speaks to Mr Sasikumar Adidamu, Chief Technical Officer, Bajaj Allianz General Insurance, to understand how insurers can play an important role in developing a comprehensive cybersecurity framework, including cyber insurance, to tackle cybercrime.
Source : AIR | 01 Jan 2018
Digital transformation in Indian insurance
Can the online model be a panacea for tapping the untapped insurance potential and eliminating insurance distribution bottlenecks in India? We speak to two new-age insurers to understand more about the digitalisation of the Indian insurance landscape.
Source : AIR | 01 Jan 2018
Indian flood: Risk and opportunity
India is one of the most flood-exposed nations on the planet, and the hazard is increasing year on year. Along with a rise in severity, the frequency of flood events has jumped significantly over the last decade. Mr Vikas Wadhera of RMS discusses this Nat CAT risk in India.
Source : AIR | 01 Jan 2018
India's competitive critical illness sector - It's a Service Game
Ms Kalpana Sampat of Swiss Reinsurance Company Ltd, India Branch, looks at the under-penetrated critical illness insurance sector and says insurers need to offer new and more services to win consumers and manage the burden of chronic illness in India.
Source : AIR | 01 Jan 2018
India: 2nd state-owned general insurer gets regulatory nod for IPO
The IRDAI has given its in-principle approval to the government-owned National Insurance Company to list its shares, as the insurer has strengthened its balance sheet and improved solvency margins.
Source : AIR | 01 Jan 2018
Understanding Insurance of Health
Source : AIR | 01 Jan 2018
General insurance - in their own words
Bridging the protection gap, underwriting risks at the right price and making insurance simpler and empathetic is what the Indian general insurance industry is looking forward to in 2019. Asia Insurance Review spoke to some Indian general insurance CEOs about their agenda for 2019.
Source : AIR | 01 Jan 2019
Motor insurance in India in 2018
The biggest beneficiary of the current revamp of the Indian motor insurance segment should be the customer - who should get better customised and more cost-effective products.
Source : AIR | 01 Jan 2019
Foreign reinsurers' branches - steady as she goes
We speak to the heads of some of India’s foreign reinsurers’ branches to see how their first full year of operations panned out.
Source : AIR | 01 Jan 2019
Is Indian healthcare healthy?
The Indian healthcare system is a study of contrasts. With its strengths and weaknesses, it rolls on to provide adequate healthcare for 1.3bn Indians.
Source : AIR | 01 Jan 2019
Moving into a high growth phase
The 24 life players in the Indian market have witnessed considerable growth in the past year and today the industry forms a significant part of the capital market in India.
Source : AIR | 01 Jan 2019
A market ripe for InsurTech pickings
InsurTech is making rapid progress and fuelling massive investments into start-ups that are now changing market dynamics.
Source : AIR | 01 Jan 2019
Indian Insurers: IPOs and beyond
With as many as six (re)insurers lined up with IPOs amounting to around US$7.8 billion, the journey ahead for the Indian insurance industry will be quite exciting.
Source : AIR | 01 Oct 2017
Millennials: Get them on board
The insurance industry does not figure on any list of preferred employers. We speak to different stakeholders on how to win talent, especially the millennials, over.
Source : AIR | 01 Oct 2017
View from India: Mental health insurance
The Insurance Regulatory and Development Authority of India’s recent circular to insurers to include mental illnesses in health insurance policies is just the beginning. Challenges abound as India prepares to provide access to mental healthcare to 15% of its population who need active interventions for one or more mental health issues.
Source : AIR | 01 Oct 2018
The worst flood in a century
In August, Kerala was devastated by floods of biblical proportions, caused by torrential rains over a three-week period resulting in close to 500 deaths and economic losses amounting to $5bn. We look at the factors behind this unprecedented natural calamity and how the insurance industry can deal with such events in the future.
Source : AIR | 01 Oct 2018
Nat CAT- The 'calm' before the year-end storm
While the conversation this time last year was about hurricanes Harvey and Irma, Asia at this time is reeling from losses far closer to home. As we go to print, Mother Nature is wreaking havoc across multiple countries - with typhoon Jebi, super typhoon Mangkhut and Kerala grapples with its worst floods in a century. We take stock of the Nat CAT—prior to the upcoming deluge.
Source : AIR | 01 Oct 2018
Indian Insurance: Promote prevention
To tackle the rising threat of natural ‘urban’ catastrophes and ensure that the gains made by the fast developing Indian insurance industry are not wasted, it needs to promote a culture of loss prevention.
Source : AIR | 01 Nov 2017
India: Health insurance plan for poor families seen as falling short
The government-run Rashtriya Swasthya Bima Yojana (RSBY), launched in 2008, is seen to have failed in its mission to protect poor households from financial risks due to health spending.
Source : AIR | 01 Nov 2017
India: Mr Atul Boda inducted into FAIR Hall of Fame
Mr Atul Dhirajlal Boda, Chairman, J B Boda Group of Companies was the recipient of the FAIR Hall of Fame Award at the 25th FAIR Conference held in Bahrain in October 2017. Mr Boda has more than 30 years of experience in the insurance and reinsurance industry around the world.
Source : AIR | 01 Nov 2017
Digital transformation: A journey to stay relevant
This interesting take depicting a conversation between DXC Technology and its client, Mr Anshul Srivastav, CIO, Union Insurance Company P. S. C., highlights the role of cloud, digital transformation and its benefits.
Source : AIR | 01 Nov 2017
114 students conferred PGDM by National Insurance Academy
114 students of 2014-16 and 2015-17 batches of PGDM programme (Post Graduate Diploma Programme in Management) of National Insurance Academy (NIA), received their diplomas at the convocation held at the NIA campus in Pune on 16 September this year.
Source : AIR | 01 Nov 2017
Reinsurance at new crossroads
Foreign reinsurers’ branches in India feel that the existing order of preference giving GIC Re the first right of refusal does not afford them a level playing field.
Source : AIR | 01 Nov 2018
Spreading its wings
Asia Insurance Review spoke with GIC Re general manager Devesh Srivastava to understand the reinsurer’s plans to expand its global footprint, especially in Europe.
Source : AIR | 01 Nov 2018
State-owned Russian reinsurer sets sights on Asia
The Russian National Reinsurance Company (RNRC) was established by Russia’s Central Bank in August 2016 but only started operations in January 2017. However, it has already gained CIRC’s approval to operate in China in the specialty market, and has been granted a licence in Egypt. We caught up with Vice-President of Business Development Igor Karpovich at the SIRC 2017 to learn more about the reinsurer’s hunger for new business in the region.
Source : AIR | 01 Dec 2017
Echo Re targeting more Asian business
Dr Peter F Hugger is the man at the helm of Echo Re since February 2012. Having spent a considerable part of his 30-year professional life in Asia, with some of the top names in the reinsurance business, he is now ready to chart a new course for Echo Re in Asia, where the company already has a big presence and where he believes lies the opportunity for international players like his. He speaks to Asia Insurance Review on his new plans and strategy for the region, and the future ahead for his company.
Source : AIR | 01 Dec 2017
Samsung Re: Expanding beyond group business
Samsung Re has been keeping a low profile since its inception in 2011 but of late, the reinsurer has adopted a new strategy to expand its operations beyond its group business and into newer territories across Asia. We speak to Mr Tae Y Choi, CEO, Samsung Re at the SIRC, to find out the plans and strategies ahead for the company.
Source : AIR | 01 Dec 2017
India: More players eyeing entry into insurance mart
Source : AIR | 01 Dec 2017
India: Some insurers go public, others need more time
Source : AIR | 01 Dec 2017
Insurers and InsurTechs - A symbiotic partnership
Asia Insurance Review speaks to four leading Indian InsurTech companies to find out how they define their role in the Indian insurance ecosystem.
Source : AIR | 01 Dec 2017
Is Indian insurance protectionist?
As India awaits the release of new draft reinsurance regulations by IRDAI, we speak to Indian reinsurance veteran Mr R Raghavan.
Source : AIR | 01 Dec 2018
View from India - Health insurance policies will be more customer friendly
Indian health insurance companies can look forward to some ‘healthy’ times.
Source : AIR | 01 Dec 2018
Institute of Risk Management expands footprint to Asia
The London-headquartered Institute of Risk Management has appointed its first “ambassadors” in India, as it seeks to expand its international footprint into Asia. It comes on the back of the organisation’s inaugural visit to China last month.
Source : AIR | 01 Feb 2018
India: Unified financial regulator mooted for international financial service centre
The government is looking into creating a unified financial regulator for India’s only international financial service centre, Gujarat International Finance Tec (GIFT) City, after individual regulators indicated that they have no objection to the idea, according to GIFT Managing Director Ajay Pandey.
Source : AIR | 01 Feb 2018
View from India - Advertising campaigns and insurance awareness
Indian insurance, with a history stretching back 200 years, is like a jigsaw puzzle. But some parts of the puzzle are missing.
Source : AIR | 01 Feb 2019
Satellite data offers new hope for flood-stricken farmers in India
Dr Giriraj Amarnath and Dr Alok Sikka of International Water Management Institute (IWMI), explain how satellite images and flood modelling tools can help farmers in India.
Source : AIR | 01 Mar 2018
Rajesh Sud: 17 going on 18!
Mr Rajesh Sud, Executive Vice Chairman & MD of Max Life Insurance Company, is among the rare breed of CEOs to have survived in the top management space for over 17 years in one of India’s leading life insurance companies. He has seen the development of the life industry from close quarters since its liberalisation in 2000 and gives us his perspective of the industry.
Source : AIR | 01 Mar 2018
Asia: InsurTech investments surging strong
InsurTech funding in 2017 rose 36% from the year before to reach US$2.3 billion, according to the latest data published by Willis Towers Watson.
Source : AIR | 01 Mar 2018
India: Insurance mart could expand by 230% to US$280 bln in 3 years
India’s Vice President M Venkaiah Naidu has said that the domestic insurance industry is expected to grow to US$280 billion by 2020 from $84.72 billion in 2017 as the country is poised for higher economic growth.
Source : AIR | 01 Mar 2018
Cybercrimes make healthcare sick
Modern healthcare industry is highly evolved. However, with petabytes of sensitive and vital data, it has become vulnerable to cyber-crime prowlers. Employees have emerged as the weakest link in the chain. Continuous training and reskilling of human resource, at all levels can thwart at least 95% of cyber-attacks.
Source : AIR | 01 Mar 2018
New reinsurers are the flavour of the season!
Market participants in India have now transcended from finding the ideal reinsurance partner globally to having them in India itself! It is indeed ‘The New World of Reinsurance in India’.
Source : AIR | 01 Mar 2018
Insurers have a role in road safety
If a jumbo jet with 400 passengers crashes, it makes breaking news. 400 deaths on Indian roads every day however, go unnoticed. Two insurance companies are doing their bit to improve road safety, a much neglected public health issue which is largely preventable.
Source : AIR | 01 Mar 2018
IFoA on UN sustainability goals
Asia Insurance Review speaks to Ms Marjorie Ngwenya, President of Institute and Faculty of Actuaries, UK, as she shares her views on IFoA’s new initiatives, her vision for the future of the profession, pricing and affordability of insurance, India and emerging risks.
Source : AIR | 01 Mar 2018
Look out for these what-if scenarios - WEF's 10 potential future shocks
The growing complexity and interconnectedness of our global systems can lead to feedback loops, threshold effects and cascading disruptions. Sudden and dramatic breakdowns – future shocks – become more likely, according to the Global Risks Report 2018 published by the World Economic Forum.
Source : AIR | 01 Mar 2018
India's budget conundrum - Insuring 500 million
The world’s largest government funded healthcare programme which is expected to benefit 500 million beneficiaries was announced by the Indian Finance Minister Arun Jaitley in his Budget proposal presented in February for the 2018-19 fiscal year (FY2019). We look at the challenges before the government in getting this programme off the ground and running.
Source : AIR | 01 Mar 2018
J B Boda: Building relationships for 75 years
The J B Boda Group pioneered reinsurance broking in India and is celebrating its 75th Anniversary this year. We speak to Mr Atul Dhirajlal Boda, Chairman of the Group on the journey so far and the road ahead.
Source : AIR | 01 Mar 2018
Lloyd's: Seeking sustainable pricing for all
On the sidelines of the 11th India Rendezvous 2018 in Mumbai, Ms Inga Beale, CEO of Lloyd’s of London, shared with us her thoughts on the global (re)insurance markets, especially in emerging Asia, and their focus on achieving a sustainable pricing for all.
Source : AIR | 01 Mar 2018
Not disruption, but continuous evolution
With a record 700 delegates from 38 countries, hectic networking, engrossing discussions and effective bilateral meetings, the 12th India Rendezvous, Reinsurance: Disrupted, in Mumbai from 22 to 24 January set important milestones.
Source : AIR | 01 Mar 2019
Indian reinsurance regulations 2018
The Insurance Regulatory and Development Authority of India released revised reinsurance regulations. Apprehension and misinterpretation still exist, however.
Source : AIR | 01 Mar 2019
India: Insurers ask for premium increase to cover govt accident plan
Insurance companies, mainly government-run insurers, are losing money on the Prime Minister’s accident insurance scheme, Pradhan Mantri Suraksha Bima Yojana (PMSBY), with losses of 80-100%.
Source : AIR | 01 Apr 2018
India's actuarial pioneers
K A Pandit Consultants & Actuaries is India’s oldest actuarial firm and it is celebrating its 75th Anniversary this year. The firm is today a major player in the Indian market where it operates in the life insurance, non-life insurance and employee benefits space, and is also a member of Abelica Global, a global consortium of actuaries. We speak to Mr Dharmendra K Pandit, partner, on the journey so far and the role of actuaries in today’s highly automated industry.
Source : AIR | 01 Apr 2018
Bajaj Allianz General: Human touch is still important despite digitisation
As India progresses economically and the country’s insurance penetration rises, what does the Indian customer expect from their insurers? Can technology and digitalisation be a “cure-all” solution for customers’ expectations? How to fulfil all these expectations and still be profitable? Mr Tapan Singhel, Managing Director & CEO, Bajaj Allianz General Insurance Company, shares his views on these crucial issues with Asia Insurance Review.
Source : AIR | 01 Apr 2018
Indian Insurance Brokers: Future is promising, only if!
The Indian insurance broking business has been a substantial contributor to the growth of the country’s insurance industry. With artificial intelligence, digitalisation and web-aggregators likely to pose a tough competition to the brokers, the new IRDAI (Insurance Brokers) Regulations 2018 does attempt to create a level playing field.
Source : AIR | 01 Apr 2018
The health of health insurance is improving
The latest IRDAI annual report addresses the wide gap that exists between group and individual categories.
Source : AIR | 01 Apr 2019
Bancassurance blockbuster partnership
Bancassurance is one of the main distribution channels for insurers in South Asian markets. We speak to some major players to get their perspective on the state of the market and the future for bancassurance.
Source : AIR | 01 May 2018
India: Complaints mount at 'headless' Insurance Ombudsman offices
About 6,000-7,000 complaints have piled up at all 17 Insurance Ombudsman offices in India because the post of Ombudsman has been vacant in these offices for months.
Source : AIR | 01 May 2018
Indian insurance: Going on 18
View from India. As Indian general insurance turns 18 and acquires the adulthood tag, a look at what it achieved in 2017-18 and what it looks forward to.
Source : AIR | 01 May 2018
Banc-ing on life growth
Bancassurance attracts some of the biggest insurers and banks with its allure of a strategic win-win, faster growth and scale economies – we look at the state of bancassurance in some Asian markets.
Source : AIR | 01 May 2018
Demographic advantage - a boon or bane?
Can India utilise its ‘being young’ advantage to achieve a sustainable and healthy growth in the decades ahead?
Source : AIR | 01 May 2019
India: Govt urged to resolve uncertainty over regulation of pension products
The Pension Fund Regulatory and Development Authority (PFRDA) is seeking clarification from the government on several questions related to the regulation of pension products. The move is seen as an attempt to bring all pension products under the purview of a single regulator.
Source : AIR | 01 Jun 2017
Swiss Re India: Think big, get innovative and go digital
Indian insurers want numbers! Both literally and figuratively! Expectations of the Indian customer are ever-evolving. She wants simple, one-click innovative customised solutions. Insurers can offer these, the digitalisation way. We speak with Ms Kalpana Sampat, CEO, Swiss Re India branch, and Mr Jonathan Anchen, Senior Vice President, Swiss Re Institute, to elicit their views on how to exploit the vast potential that the Indian insurance market has to offer but is untapped as yet.
Source : AIR | 01 Jun 2017
"Disciplined softening"
Mr Jong-Gyu Won of Korean Re gives an overview of the April 2017 renewals in Japan, North America and India, highlighting the pressures on prices as reinsurance capacity remains affordable.
Source : AIR | 01 Jun 2017
A simpler world of insurance
Asia Insurance Review speaks with Digit Insurance appointed actuary Adarsh Agarwal on its mission to create a new experience for neo consumers – a simpler world of insurance.
Source : AIR | 01 Jun 2018
India: Call for better crop data to attract reinsurers
Source : AIR | 01 Jun 2018
India holds great potential for travel insurers
India offers great potential for travel insurers. As India emerges as a net exporter of tourists, the business of insuring them is set to grow substantially and this could be a significant growth business.
Source : AIR | 01 Jun 2018
A new paradigm in CAT Modelling for Indian crops
JBA Risk Management’s Iain Willis explains how modellers can overcome the challenge of developing probabilistic solutions for Indian crops.
Source : AIR | 01 Jun 2018
Has the time come for Indian CAT bonds?
Excellent management of cyclone Fani by the eastern Indian state of Odisha, has become a text-book example of how to manage natural catastrophes although the government is now faced with the task of post-disaster reconstruction.
Source : AIR | 01 Jun 2019
Insurance investments - Ethics or profits?
Profit is usually the sole purpose of investment. However, should investment instead be ethical and socially responsible? Should insurance companies, especially public sector companies, keep away from investing in tobacco companies, even at the cost of substantial profits?
Source : AIR | 01 Jul 2017
India: GIC Re achieves record growth of 82% in FYE17
GIC Re, India’s national reinsurer, is on a growth trajectory, having achieved an impressive growth of 82.2% during the fiscal year ended 31 March 2017 (FYE17).
Source : AIR | 01 Jul 2017
India: At least 6 insurance IPOs by early next year
India will see at least six (re)insurance companies in both the private and public sectors float their shares on the stock exchange this year or next.
Source : AIR | 01 Jul 2017
View from India: Prevention is better than cure
Any step by the Indian insurance industry to support government efforts to reduce the carnage on Indian roads due to mounting road accidents would only add to their profitability.
Source : AIR | 01 Jul 2018
India: Underinsured offers huge growth potential to life insurers
The growth opportunity in India’s life sector lies in catering to the underinsured, says global financial services company Jefferies in a report on life insurance.
Source : AIR | 01 Jul 2018
Asia Pacific: Regional giants to drive global life market
The giant emerging markets of China and India will drive global life premium growth in the coming years, forecasts Swiss Re Institute in its sigma report titled “World insurance in 2016: the China growth engine steams ahead”.
Source : AIR | 01 Aug 2017
India: Regulator takes big step to protect policyholders
The IRDAI has effected a new regulation, which is seen as a big move towards protecting policyholders’ interests.
Source : AIR | 01 Aug 2017
Home insurance: Indians are not at home with it!
In India, many are still ignoring issues pertaining to safety and security of their homes. Could the new Real Estate Regulatory Authority Act (RERA Act) be a game-changer?
Source : AIR | 01 Aug 2017
CSR gives insurers a community connect
Insurers around Asia now see CSR as an opportunity to build bridges with communities which not only creates goodwill for their business but also helps them make a meaningful contribution to society.
Source : AIR | 01 Aug 2018
View from India: Hotspots will be hot to handle
Eight hundred million people in South Asia are at risk since the areas in which they live are projected to become ‘moderate’ to ‘severe’ hotspots by 2050 according to a World Bank study ‘South Asia’s Hotspots’. Six hundred million of these live in India.
Source : AIR | 01 Aug 2018
India: Future Generali delivers policies via WhatsApp
Future Generali India Insurance (FGII) said that it has begun to deliver insurance policies via WhatsApp, becoming the first general insurer in India to adopt this channel.
Source : AIR | 01 Aug 2018
India: RI market to grow at CAGR of 11-14% for next 5 years
Reinsurance premiums in India are projected to increase at 11-14% CAGR over the next five fiscal years to hit INR700 billion (US$11 billion) by 31 March 2022, says state-owned GIC Re in its draft red-herring prospectus.
Source : AIR | 01 Sep 2017
Loss of Indian science was a gain for the Indian insurance industry
Asia Insurance Review
caught up with Mr Tapan Singhel, MD & CEO, Bajaj Allianz General Insurance Company, who was recognised as a LinkedIn Power Profile for the third consecutive year – a hat trick! In this exclusive, the insurance stalwart shares his thoughts on a variety of issues including digitalisation and building good corporate culture.
Source : AIR | 01 Sep 2017
Asian Insurers: Greater Expectations!
Reinsurers play an increasingly important role in most insurance markets in Asia and each year the expectations grow. So this year, in our coverage to kick start the renewal season with Monte Carlo, we polled a team of “seven wise” insurers around the region from big and small markets to gauge their expectations. Reinsurers have big shoes to fill. The market awaits.
Source : AIR | 01 Sep 2017
Reinsurance gets a push
We bring you a quick round-up of the experience of some of the foreign reinsurers with approved branch offices in India in the 1 April renewals this year, and highlight their vision for the market.
Source : AIR | 01 Sep 2017
View from India: To be simpler and to cover more
Health insurance policies in India are set to become simpler with minimal exclusions. Also, with greater use of technology by insurers, policyholders can look forward to better services.
Source : AIR | 01 Sep 2018
India: Picture-based loss assessment need of hour for crop insurance
The way forward to making crop insurance more of a success in India may lie in advanced methods such as picture-based loss assessment accurately to determine beneficiaries International Food Policy Research Institute (IFPRI) economist Dr Berber Kramer has said.
Source : AIR | 01 Sep 2018
Nepal Re: Readying for the long haul
Nepal Re CEO Chirayu Bhandari provides a perspective on the challenges and strategies before the company.
Source : AIR | 01 Sep 2018
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