This article discusses some of the challenges present in embedding Enterprise Risk Management issues like corporate governance, independence of CRO, challenges in implementing three lines of defense model, lack of risk knowledge in the first line of defense, lack of risk qualification in the...

This article critically analyses the development of health insurance in India where on the one hand, 61% of India's population is covered by government health insurance schemes; however, in the premium term, their contribution is only 11%. Further, public sector general insurance companies are...

This paper gives the first cut-rate of Indian incidence of critical illness of cardiovascular,Strokes and Cancer diseases. This paper also compares the critical illness rates currentlyused in India, CIBT 93 with the rates calculated in this paper. The paper concludes that CIBT93 should be...