Aon plc has released insights from its inaugural 2025 Insurer Wellbeing Benchmarking Report, highlighting rapid digitalisation and expanding coverage in India’s health insurance sector, while flagging gaps in awareness, affordability and standardisation. Based on a survey of six insurers and analysis of over 600 data points across 10 wellbeing domains, the report said 83 percent of insurers now offer telehealth services, including access to general practitioners, chronic disease management and e-prescriptions. However, only one-third reported tangible outpatient claims savings, ranging between 1.1 percent and 1.5 percent.
Employee Assistance Programmes (EAPs) are offered by 67 percent of insurers, though utilisation varies widely from 1 percent to 50 percent. Mental health services are provided by half of the insurers surveyed, with most reporting engagement rates between 11 percent and 20 percent. Health screenings remain underutilised despite half of insurers offering them. Only one insurer reported claims savings exceeding 5.1 percent through early detection initiatives.
Susan Fanning, Head of APAC Wellbeing Solutions at Aon, said India’s market is at a “pivotal moment” amid rising employer expectations. Ashley D’Silva, Head of Health and Wealth Solutions, India, said reforms such as Ayushman Bharat and regulatory changes are accelerating sector transformation, urging insurers to adopt predictive analytics and greater customisation for large employers.