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The Indian insurance industry is now able to provide more personalized and customizable policies to customers through digital platforms. These policies allow customers to choose the level of coverage they require, add or exclude specific features, and pay premiums based on their unique needs. Additionally, insurers in India are now offering riders or add-ons to tailor the policies to an individual’s unique needs, such as critical illness coverage, maternity benefits, personal accident coverage, usage-based coverage, job loss insurance, and cyber insurance.
