Now… Rural India can buy Health Insurance on Mobile!

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Recently, we came across news in an online Publication,

Mobile Enrollment Technology by HDFC ERGO

Bangalore, June 25:
HDFC ERGO General Insurance, a leading private general insurance company, in association with Biocon Foundation, today launched 'Mobile enrolment technology' to enable the rural masses to buy health insurance policies with the help of just a mobile phone making the process paper-less and hassle free.
Over 10,000 policies were sold in the first phase last month in the remote region of Chikballapur village. With the success of the study, HDFC ERGO plans to replicate the same across other rural regions in India, beginning from the South this month.

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Experts from give their opinion:

KS Sankar:

K S Sankar from

Medimanage Health Insurance Experts have already spoken about how reach is not a major concern if insurers/brokers use technology. In this blog, Our Health Insurance Expert, K S Sankar had spoken about how health insurance can reach the masses especially in the rural areas if the health insurance companies can use technology that appeals to them. Exactly 2 months after this blog, the HDFC Ergo has come up with this Mobile Enrollment model, this shows how Medimanage is clearly is accurate in its prediction and analysis.

 In this excerpt from the blog, K S Sankar says, “You find cybercafés even in C- towns. Even villagers are on to mobile phones and are used to ‘bill pay’s. There are more mobile phone users in India than health policy holders.” And thus he says, “Technology, at least in its elementary form, has reached out and just riding this reach would itself increase health insurance reach manifold.”

Sudhir Sarnobat:

Sudhir Sarnobat from

This is an interesting development & the efforts are laudable…

The Rural India remains a largely untapped market for Health Insurance where the penetration is abysmally low, less than 0.3%.

This is due to lack of disposable income (mostly) & lack of awareness.

Many NGOs & Corporate (thru’ their CSR Initiatives) are trying to insure them thru micro-insurance.

HDFC Ergo’s this step (paperless & Cost effective) will improve the health insurance coverage.

The company should also allow such paper-less transactions over the net to improve the health insurance penetration among the educated class as the convenience will be a key feature.  

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