i.e., Diversified general insurers Vs Standalone health insurers
Which type of insurer will do better?
Someone asked me this question on YouTube.
Typically, both diversified and focused businesses have their merits and de-merits. While I don’t know which type of general insurer will do better, but the odds seem to be stacked up in favor of diversified insurers (see image)
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India 🇮🇳 is a very underpenerated market for general insurance (includes health)
General insurance premium per capita in 🇮🇳 is as low as $22 vs China 🇨🇳 $234 i.e., 10x that of 🇮🇳
I find general insurance fascinating. It may not be the easiest business to understand. I have written an awful lot on how to analyze this business.
Here is the list of my keys LinkedIn posts and videos on General Insurance. Bookmark this post!
Understanding of General Insurance Business Model — as Warren Buffett explains in his shareholder letters
Another simplified explanation of General Insurance Business Model
https://lnkd.in/eA9KVDJS
Detailed video in which I explain general insurance business and apply Warren Buffett’s wisdom to multiple Indian insurers
https://lnkd.in/e5uPYHuz
Indian Health Insurance industry deep dive
https://lnkd.in/erE3byfC
Analysis and Valuation of Standalone Health Insurer Niva Bupa
https://lnkd.in/eeEgbMHt
Analysis and Valuation of Star Health from 2+ years ago
https://lnkd.in/eM_J2A3V
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