Health Insurance Business by Sales Channel
Industry-wide totals from IRDAI's published Handbook — not broken down by individual insurer. Standalone health insurance business for the period ending 2025-03-31, by sales channel.
Note: IRDAI changed how it categorizes this business starting FY2017-18 — earlier editions split business into "Individual" and "Group"; from FY2017-18 the Handbook reports "Government," "Group (excluding government)," and "Individual" separately. The table below uses whichever categorization the latest edition reports; the category names come directly from the Handbook rather than being normalized across years.
Policies Issued — 2025-03-31
| Sales Channel | Government Business (Including RSBY & Other Government Sponsored Schemes) | Group Business (Excluding Government Business) | Individual Business | Grand Total |
|---|---|---|---|---|
| Brokers | 0 | 2.03 L | 32.89 L | 34.91 L |
| Corporate Agent - Banks | 0 | 4.32 L | 20.49 L | 24.81 L |
| Corporate Agent - Other than Banks | 0 | 5.97 L | 4.36 L | 10.32 L |
| Direct Sale - Online | 0 | 24,619 | 10.24 L | 10.48 L |
| Direct Sale - Other than Online | 26 | 20,452 | 14.89 L | 15.09 L |
| Individual Agents | 0 | 28,377 | 1.66 Cr | 1.66 Cr |
| Micro-insurance Agents | 0 | 24 | 1 | 25 |
| Web- aggregators | 0 | 28 | 34,569 | 34,597 |
| Insurance Marketing Firms | 0 | 317 | 59,809 | 60,126 |
| Point of Sales | 0 | 14 | 1.84 L | 1.84 L |
| Common Service Centers | 0 | 0 | 14,316 | 14,316 |
| Others | 0 | 0 | 0 | 0 |
| Total | 26 | 13.05 L | 2.52 Cr | 2.65 Cr |
Persons Covered ('000s) — 2025-03-31
| Sales Channel | Government Business (Including RSBY & Other Government Sponsored Schemes) | Group Business (Excluding Government Business) | Individual Business | Grand Total |
|---|---|---|---|---|
| Brokers | 0 | 94,150.18 | 7,584.42 | 1.02 L |
| Corporate Agent - Banks | 0 | 47,999.13 | 4,547.18 | 52,546.31 |
| Corporate Agent - Other than Banks | 0 | 45,775.16 | 763.2 | 46,538.35 |
| Direct Sale - Online | 0 | 9,688.87 | 2,294.86 | 11,983.74 |
| Direct Sale - Other than Online | 2.45 L | 69,650.76 | 3,371.55 | 3.18 L |
| Individual Agents | 0 | 6,460.96 | 40,904.95 | 47,365.9 |
| Micro-insurance Agents | 0 | 310.48 | 0 | 310.48 |
| Web- aggregators | 0 | 2.76 | 75.9 | 78.66 |
| Insurance Marketing Firms | 0 | 1,056.47 | 143.87 | 1,200.33 |
| Point of Sales | 0 | 4.49 | 434.51 | 439 |
| Common Service Centers | 0 | 2.23 | 25.7 | 27.93 |
| Others | 0 | 0 | 0 | 0 |
| Total | 2.45 L | 2.75 L | 60,146.14 | 5.81 L |
Premium (₹ Lakh) — 2025-03-31
| Sales Channel | Government Business (Including RSBY & Other Government Sponsored Schemes) | Group Business (Excluding Government Business) | Individual Business | Grand Total |
|---|---|---|---|---|
| Brokers | 0 | 32.56 L | 5.02 L | 37.58 L |
| Corporate Agent - Banks | 0 | 6.91 L | 2.73 L | 9.64 L |
| Corporate Agent - Other than Banks | 626.22 | 3.58 L | 48,707.13 | 4.07 L |
| Direct Sale - Online | 0 | 16,150.02 | 1.81 L | 1.97 L |
| Direct Sale - Other than Online | 9.45 L | 15.91 L | 2.48 L | 27.84 L |
| Individual Agents | 0 | 2.27 L | 33.65 L | 35.92 L |
| Micro-insurance Agents | 0 | 1,246.43 | 0.02 | 1,246.44 |
| Web- aggregators | 0 | 72.88 | 5,497.31 | 5,570.19 |
| Insurance Marketing Firms | 0 | 2,213.91 | 13,481.26 | 15,695.17 |
| Point of Sales | 0 | 16.99 | 24,130.93 | 24,147.92 |
| Common Service Centers | 0 | 0 | 907.25 | 907.25 |
| Others | 0 | 0 | 0 | 0 |
| Total | 9.46 L | 61.43 L | 46.61 L | 1.18 Cr |
Source: IRDAI Handbook on Indian Insurance Statistics 2024-25, Table 104. Industry-wide totals — not broken down by individual insurer.All industry trends →