<center><b>Changing the Dynamics of Health Insurance</b></center>
              <center><b>15th June, 2021</b></center>
              <p style='text-align:justify;'>ASSOCHAM organized a Webinar on Changing Dynamics of Health Insurance on June 15th 2021. The 
              welcome address was given by Navneet Doda, Chairman, ASSOCHAM Insurance Sub Council East and 
              General Manager & Director, National Insurance Co. Ltd. where he welcomes all the distinguished speaker 
              and said the pandemic has left its mark on almost all industries and sectors across the spectrum, including 
              health insurance. While the pandemic is still showing no signs of abatement, we are somewhat able to 
              forecast its impact in the health insurance industry in the near and mid-term future with enough cues 
              from the past quarter&apos;s data. The industry has witnessed a massive shift towards digitalisation. Not only 
              has the need for digital distribution strategies become significant, the nature of services has also triggered 
              the need for a reliance on digital processes across the spectrum: whether they are underwriting processes 
              or processes related to issuing policies or filing claims. Considering the disconcerting uncertainty around 
              treatment expenses for Covid-19, the variance in treatment protocols and lack of standardisation of costs 
              and expenses, that are witnessed significantly higher claim costs than those generally associated with 
              infectious illnesses and epidemics and there is no ready answer. The challenge is accuracy in predicting 
              the impact on healthcare expenses and consequently the claims book</p>