Insurance Companies पैसा कैसे कमाती हैं? Explained by CA Rahul Malodia

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Insurance Company Business Model Case Study : How Insurance Really Works in India

Insurance companies promise big numbers. One crore term insurance for just a few hundred rupees per month. One crore health insurance at a price that feels unreal. Many people think this is a scam or a trap. Others believe insurance companies never pay claims. This insurance company business model case study explains the real truth behind these promises and how the insurance system actually works in India.

In this video, we break down insurance into very simple words. You will understand how health insurance, term insurance, and life insurance companies make money while still paying large claims. We explain why premiums look cheap, how risk is calculated, and why platforms like Policybazaar are able to show such low prices for big coverage. This is not a theory. This is how the real insurance industry operates.

This video also explains why best health insurance and best term insurance policy in India are no longer optional. Medical costs are rising fast. Private hospitals are expensive. Government healthcare is limited. Without the right insurance policy, one medical emergency or one accident can destroy years of savings. This is why knowing how to buy health insurance and what is term insurance is critical for every Indian family.

You will also learn why brands like LIC, private insurers, and names like Max Life term insurance review matter when choosing a plan. We talk about co-payments, claim settlement reality, and what to check before buying the best term insurance plans or the best term insurance plan in India 2025.

Here is what you will learn in this insurance case study:

How health insurance and term insurance really work behind the scenes
Why one crore insurance is possible at a low monthly premium
How insurance companies calculate risk and still stay profitable
The truth about insurance claims and claim settlement
Why life insurance and health insurance are essential in India today
How to choose the right insurance policy without getting confused

Watch till the end to understand the real insurance business model and protect your family the smart way.