A STUDY TO UNDERSTAND

THE HEALTH INSURANCE IN INDIA

A project
Submitted in partial fulfillment of the
requirements for the award of the Degree of

Bachelor of Commerce

BY

QAYNAT SIDDIQUEE
(BCOME21R005)

DEPARTMENT OF COMMERCE & MANAGEMENT

SARALA BIRLA UNIVERSITY, RANCHI
2024

i
 DECLARATION CERTIFICATE

This is to certify that the work presented in the project “A Study to

Understand the Health Insurance in India”, has been prepared
by me towards the partial fulfillment of the requirement for the
award of the Bachelor of E-Commerce Hon’s (B.COM) Degree
under the guidance of Miss Jagriti to the best of my knowledge,
the content of this project does not form a basis for the award of
any previous Degree to anyone else.

Place: Ranchi Qaynat Siddiquee

Date: Enrollment No. SBU210841

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 CERTIFICATE OF APPROVAL

The foregoing project entitled “A Study to Understand the

Health Insurance in India”, is hereby approved as a creditable
study of the research topic and has been presented in
satisfactory manner to warrant its acceptance as a prerequisite to the
degree for which it has been submitted.

It is understood that by this approval, the undersigned do not

necessarily endorse any conclusion drawn or opinion expressed
therein but approve the project for the purpose for which it is
submitted.

(Guide) (Internal Examiner)

(External Examiner) (Dean Academics)

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 ACKNOWLEDGEMENT

This project has provided me with a great opportunity to experience the work process.
I wish to express my sincere gratitude to the Dean Faculty of Commerce and
Management Dr. Sandeep Kumar for allowing me to do my Project. I would like to
thank my program coordinator Dr. Karan Pratap Singh and Special thanks to my
guide Miss Jagriti for their guidance and support. Finally, I am very much thankful
to my friends and parents who guided me during the preparation of my project.

(Signature)

Qaynat Siddiquee

Enrollment No. (SBU210841)

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 EXECUTIVE SUMMARY

This project examines how the insurance industry has evolved over time. The primary
goal of this project is to investigate the significance of the health insurance sector in
India. Over the last few decades, India's insurance industry has grown. India has one
of the highest private healthcare expenditures in the world. In the fiscal year 2018,
health insurance in India cost 370 billion Indian rupees. It was expected to surpass 2
trillion rupees by the fiscal year 2030.

Health insurance is a mechanism that provides financial protection in the event of

illness or injury. India's achievements in terms of health improvement have been
remarkable over the last few decades, but the health insurance industry remains far
behind that of many other developing countries.

In today's scenario, as everyone wants to insure themselves, this sector has seen
increased penetration. The study also explains the authority's laws and regulations for
the sector, as well as how it protects customers' rights. This project examines which
insurance companies have successfully grabbed the market and now have a
dominating position in both the life and general insurance markets. This project
outlines the opportunities that the sector can take advantage of. The health insurance
industry has its own set of concerns and obstacles that must be addressed, and the best
way to do so has been attempted to estimate with the help of this project.

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 CONTENTS

S.NO. TOPICS PAGE

NO.
1. CHAPTER 1: COMPANY PROFILE
1.1 Care Health Insurance
1.2 Nature of the Organisation
1.3 Vision & Mission
1.4 Product Range of the Company
1.5 Size of the Organisation
1.6 Organisation structure of the Company
1.7 Industry Analysis

2. CHAPTER 2: THEORITICAL BACKGROUND &

LITERATURE REVIEW
2.1 Conceptual Framework of the Study

3. CHAPTER 3: PROBLEM STATEMENT &

OBJECTIVE OF THE STUDY
3.1 Significance of the Study
3.2 Managerial usefulness of the Study
3.3 Objective of the Study
3.4 Scope of the study

4. CHAPTER 4: RESEARCH METHODOLOGY

4.1 Research Design
4.2 Sources of Data Collection
4.3 Limitations of the Study
5. CHAPTER 5: ANALYSIS & INTERPRETATION OF
THE STUDY
5.1 SWOT Analysis
5.2 PESTLE Analysis
5.3 Financial Analysis

6. CHAPTER 6: FINDINGS, CONCLUSION &

RECOMMENDATIONS
6.1 Findings
6.2 Conclusion
6.3 Recommendation
7. BIBLIOGRAPHY

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 CHAPTER-1:
COMPANY PROFILE

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1.1 CARE HEALTH INSURANCE
Company type- Subsidiary
Industry- Insurance
Founded- 2012; 12 years ago
Headquarters- Gurgaon, Haryana, India
Area served- India
Key people- Dr. Rashmi Saluja (Non-Executive Chairperson)
Anuj Gulati (MD & CEO)
Services- Health insurance
Travel insurance
Accident insurance
Corporate insurance
Owners- Religare Enterprises (70%)
Kedaara Capital (18%)
Number of Employee - 8,500+
Parent- Religare
Website- careinsurance.com

Reg Office - Care Health Insurance Limited, 5th Floor, 19, Chawla House,
Nehru Place, New Delhi-110019 | CIN - U66000DL2007PLC161503

Correspondence Address: Care Health Insurance Limited, Vipul Tech Square,

Tower C, 3rd Floor, Golf Course Road, Sector - 43, Gurugram - 122009
(Haryana).
Website: www.careinsurance.com

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 Telephone No. 1800-102-4499

1.2 Nature of the organisation

One sort of coverage known as health insurance covers the insured's medical and
surgical costs. By paying for all or part of the costs of both routine and emergency
medical care, it assists people in controlling their healthcare costs. Health insurance
plans exist in a variety of forms, including commercial plans that can be purchased
privately or via an employer, government-sponsored programs like Medicare and
Medicaid, and customized plans meant for certain populations like low-income
people or veterans.

Care Health Insurance is a specialized health insurer offering products in the retail
segment for Health Insurance, Top-up Coverage, Personal Accident, Maternity,
International Travel Insurance and Critical Illness along with Group Health Insurance
and Group Personal Accident Insurance for Corporates, Micro Insurance Products for
the Rural Market and a Comprehensive Set of Wellness Services. With its operating
philosophy being based on the principal tenet of ‘consumer-centricity’, the company
has consistently invested in the effective application of technology to deliver
excellence in customer servicing, product innovation and value-for-money services.

As of April 1, 2020, the Insurance Regulatory and Development Authority of India

(IRDAI) has directed all health insurance companies to include coverage for AYUSH
treatments up to the sum insured. While some health insurance plans previously
covered alternative treatments, they often had specific limits on the coverage.

When it comes to health insurance, alternative medicines are better known as AYUSH
treatments, which stand for Ayurveda, Yoga, Unani, Siddha, and Homeopathy. These
treatments are deemed safe and effective not just in India but all over the world.
Studies suggest that the AYUSH treatment sector in India is projected to grow at a
CAGR of 8.6% in the period between 2022-27. These treatments, also known as
alternate treatments, rely on natural substances and therapies. This typically results in
minimal or no side effects. Allopathic treatments, on the other hand, can often be
accompanied by side effects that may overpower the benefits.

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Types of Health Insurance Plans

With Care Insurance, you get some of India's best health insurance plans designed to
meet customers' diverse medical needs. Below are all the types of health coverage that
is offered:

Individual Health Cover:

As the name suggests, it is for individuals, primarily young-aged people with no
medical condition to enjoy long-term healthcare security. This individual health
insurance policy assures the entire sum insured solely for covering the insured
individual's medical expenses. It also covers various other costs, including pre and
post-hospitalisation expenses, maternity benefits, and much more. These plans are
often a little more expensive than family floater plans as there is no sharing of the sum
insured; each individual has their own coverage.

Family Floater Health Plans:

Under family floater health insurance, you can cover a maximum of 6 family
members in one policy against a single sum insured. This policy is to safeguard the
health of your entire family. Also, you can add multiple nominees to this plan. The
premium amount in family floater plans is comparatively lower than individual plans,
as the sum insured is shared among all the members under the plan. This medical
insurance policy covers the medical expenses for hospitalisation and treatment during
an emergency or planned admission.

Senior Citizen Health Cover:

A common myth about health insurance is that there are not many options for seniors.
This is absolutely incorrect. Senior citizen health insurance plans are aimed at
offering specialised healthcare services suited for the elderly who have crossed 60
years of age. They can offer financial assistance to senior citizens who don’t have a
fixed income. Under a senior citizen healthcare insurance plan, older people can also

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avail of services such as cashless hospitalisation, home and day-care cover, AYUSH
treatment, COVID care, etc. It is the best best health insurance policy in India to give
your old parents a healthy and peaceful life after retirement.

Maternity Insurance Plans:

Motherhood is the most crucial phase in a woman's life. Although the journey is
challenging, a sound medical insurance policy ensures relaxed hospital coverage
throughout pregnancy. If you are planning to get married or start a family in the near
future, you should opt for maternity insurance in advance. It covers your pregnancy-
related expenses related to normal delivery, caesarean, pre and postnatal, post-
delivery care, and vaccination. Maternity insurance ensures premium medical
facilities at affordable rates for the mother and her newborn. Buying it at the right
time would help you serve the waiting period and thus make the most of the coverage.

Health Insurance Plans for Pre-existing Diseases:

Pre-existing diseases are the illnesses one may suffer from before they purchase a
health plan. With age, our elderly family members often suffer from specific medical
conditions like diabetes, hypertension, or high BMI. At Care Health Insurance, we
offer medical insurance plans that cover pre-existing conditions, too with a reduced
waiting period. These healthcare plans come with special features like daycare
treatments, home care, annual health check-ups, and more to care for people with
diabetes, high B.P., and BMI.

1.3 COMPANY’S VISION AND MISSION

Mission: To become the most admired and trusted upon insurance companies in India,
by keeping up with all the promises that we make to you, our customers, by providing
the most convenient dealing process, creating sustainable values, and empowering all
our employees.

Vision: When you think about Liberty General Insurance, think of a company which
aims to help people live safer, with more security. To go beyond what other health

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insurance companies or the car insurance companies in India might offer; to become
an attentive and empathetic insurer of choice for the citizens of the country.

We believe in long lasting customer relationships, maintaining transparency in all

interactions, keeping them fair, and supporting our customers throughout the journey,
delivering on every promise made
Long term relationships with partners, helping them grow with us
Providing fulfilling and challenging careers to all of our employees, through
empowerment and personal growth.

Our Values:
Trust - Building trusting relationships with all our stakeholders
Dignity & Respect - Treating everyone fairly with dignity and respect
Passion - We exude positive energy and are passionate about what we do
Agility - We assess opportunities and respond with speed
Commitment - We are committed to results and deliver on our promise,

1.4 PRODUCT RANGE OF THE COMPANY

Health Insurance
Family Health Insurance
Senior Citizen Health Insurance
Critical Illness Insurance
One Crore Health Insurance Policy
Maternity Health Insurance
Compare Health Insurance Plans
Care Supreme
Senior Health Advantage
Travel Insurance
Corporate Insurance

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1.5 SIZE OF ORGANISATION

During the decade, the company has posted a 100x growth in revenue from Rs. 39 cr
in FY 2012-13 to Rs. 3947 cr in FY 2021-22. We have settled over 30 lakh claims and
offer a network of over 19,000 cashless healthcare providers for our customers'
convenience.

1.6 ORGANISATION STRUCTURE OF THE COMPANY

Care Health Insurance is the part of Religare Group company and a direct subsidiary
of Religare Enterprises. Kedaara Capital is a co-promoter of the company. Care
Health Insurance is headquartered in Gurgaon, Haryana, and operates out of 158
offices across India with 8500+ employees.
Religare Care Foundation was set up under Section 8 of the Companies Act, 2013 in
2022. The Foundation proposes to carry out social and welfare activity relating to the
needs of the economically marginalized and underprivileged sections of the society
pertaining to sustainable and holistic community development. The Foundation is
focusing its efforts across a broad spectrum of activities with an emphasis on
Education, Healthcare, Sports and Skill Development. The Foundation proposes to
widen the scope of work in its chosen areas at a rapid pace in the coming days.

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1.7 INDUSTRY ANALYSIS

In the financial year ended March 2022, Gross Domestic Premium Income (GDPI)
rose to Rs.3,947 Crores from Rs. 2,588 Crores registering a growth of 52 % over
financial year 20-21.

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Profit After Tax (PAT) for the year decreased to Rs. 90.73 Crores, registering a
growth of -89 %. Solvency ratio was at 1.85, one of the highest in the industry and
significantly above the minimum regulatory requirement of 1.50. The combined ratio
as on March 31, 2022 is 103%.

The Net worth of the Company at the end of financial year March 31, 2022 was Rs.
1,207.37 Crores. The Company has launched a few new products, namely, Care
Advantage, Arogya Sanjeevani, Corona Kavach, Covid Care, Group Care 360, Care
Shield Add- on, Explore V2. During the last year 50 new branches were opened.
There are around 14311 permanent employees in the Company. The agent strength,
which is back bone of our distribution, has increased from 1,69,183 to 1,97,806 as
compared to last financial vear.

CHAPTER: 2
THEORETICAL BACKGROUND
&
LITERATURE REVIEW

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2.1 CONCEPTUAL FRAMEWORK OF THE STUDY
Gangolli et al. (2005) According to the study, the majority of India's population lives
in poverty. According to this, they spend 70 to 90 percent of their income on food and
related expenses. Social support for health and other fundamental necessities becomes
crucial in this situation. The study also found that avoiding the public health sector is
a bigger problem than simply implementing a government policy.

(Prinja, et.al ,2012) The Indian healthcare system is notable for its massive public
health infrastructure. However, skilled personnel are in short supply, and as a result,
this infrastructure is underutilized. Due to the disastrous impact of healthcare
expenditures, about a quarter of all patients are driven below the poverty level.

(Madhukumar, et.al,2012) Low income, uncertainty of income, unreliable sources, no

support from friends or relatives because they do not use them, not a valid investment,
do not feel the need to invest in health insurance, and they do not have adequate
knowledge regarding the additional benefits of the insurance policy were the major
barriers to the subscription of health insurance policies. As a result, it is evident that
there is a knowledge gap between policymakers and potential policy implementers.

(Priya and Srinivasan, 2015 Because of the changing environment and the changing
lifestyle of the current generation, the majority of Indians are vulnerable to serious
illnesses. Health insurance information should be disseminated like wildfire because it
is critical. This would make it easier for consumers to cover unplanned expenses that
arise from unforeseen circumstances. Work must be done to make the situation a win-
win situation for both the firm and the people by focusing on market penetration so
that insurance schemes may assist the company reach its full potential.

Ramani and Mavalankar (2005) Based on an analysis of the opportunities and

challenges for improving India's health system, the report highlighted the roles of
various stakeholders in improving the health sector, including the government's
promotion of social healthcare insurance and scaling up financial resources,
protection of the poor against illness and exploitation, and quality improvement
through standards and accreditations. According to the report, the business sector
should build cross-subsidizing mechanisms to provide high-quality evidence-based
medical services at reasonable pricing.

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 CHAPTER:3
PROBLEM STATEMENT AND OBJECTIVE
OF THE STUDY

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3.1 SIGNIFICANCE OF THE STUDY
This study shows following significance:

You don't have enough savings to pay for healthcare -

Getting treated at a top healthcare facility is costly. People find it challenging to
manage their finances when a family member gets diagnosed with a dreaded illness.
Nearly 44% of India's population is not covered by health insurance`. In such
situations, people dip into their savings or take loans or sell assets to fund treatments.
However, the smart thing to do, is to take a health insurance plan- this will help you to
secure your finances and health at the same time.

Healthcare costs are rising fast -

The rate at which medical costs are rising makes it necessary to have health insurance.
Medical trend rate, i.e. the increase in per-person cost due to medical inflation. In
India itself, this rate is expected to rise at double the inflation rate. The forecasted
medical trend rate will be 10% in India, while inflation will be at 5%~. Cancer and
diseases of the circulatory system remain the top two highest claims reported by most
insurers, followed by gastrointestinal diseases and respiratory conditions. With a fixed
benefit health insurance cover, you can effectively fight critical illness like cancer and
conditions related to the heart.

Hospital costs includes various items -

Treatment at hospital is not merely related to surgery. Medical check-ups, doctor fees,
and medicines can account for a higher chunk than the actual hospitalisation
expenses. Separately, there are diagnostic tests, post-operative care such as having a
medical attendant at home, which also cost a lot. Add up all, to understand why
medical treatment seems so expensive. Health insurance plans offer coverage for
several types of ailments and surgeries. They also cover other aspects of medical
treatment. Fixed benefit health insurance plan give the money without asking for a
detailed description of all the aspects of treatment costs. It is paid upfront to the
policyholder on the submission of first diagnosis report

3.2 MANAGERIAL USEFULNESS OF THE STUDY

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It is important to examine health insurance from a managerial standpoint for a number
of reasons. Managers must comprehend how health insurance affects the bottom line,
employee happiness, and general productivity of their company. It supports them in
making defensible choices about cost containment tactics, risk management, and
benefit packages. Furthermore, having a solid understanding of health insurance helps
managers to successfully negotiate with insurers and navigate the complexities of
regulatory regulations, all of which ultimately improve the organization's
overall performance.

3.3 OBJECTIVE OF THE STUDY

 To study the healthcare insurance sector of India.

 To study various health insurance products available in India.
 To study the growth of health insurance market.
 To determine the challenges and issues that the Indian health insurance
industry faces.
 To Study of the concept and structure of Indian health insurance.
 To study the perception of the beneficiaries about the service quality of the
healthcare provided.
 To study about importance of health insurance products to customers.

REVIEWS

I liked the coverage benefits available under the Care Health Insurance Plan. I bought
this health insurance plan without any second thought with the help of Insurance
Dekho. I must share that the care health insurance policy is affordable.

By Sneha Metha On: 2/4/2024

The Care Health Insurance Policy I recently bought at Insurance Dekho offers me
multiple advantages. I bought it to get a better plan. I am happy with this Care Health
insurance plan and would propose it to all.

By Vinod Tanver on: 19/3/2024.

3.4 SCOPE OF THE STUDY

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In this study we come to know that India has the health insurance industry’s wide
scope and potential for development. The section of health insurance has scope for
comfortable development, as it has enormous potential in India compared to foreign
and developed economies.

The health insurance sector has enormous scope in India, and the latest entry of
private health insurers demonstrates the increasing demand and health cover.

The study is focused on analysis of these companies on a single & same policy. The
study is focused primarily on analysis of various insurance avenues along with Health
Insurance to study the consumer preference towards Health Insurance with reference
to insurance policies. The findings will reveal about Insurance investments as
a better option.

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 CHAPTER:4

RESEARCH METHODOLOGY

4.1 RESEARCH DESIGN

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This research design is Exploratory. The research design is a framework for planning
your research and answering your research questions. A Research Design is a
methodical, well-organized procedure utilized by a researcher or a scientist to carry
out a scientific study. It is a comprehensive co-existence of already identified
elements and any other information or data leading to a reasonable end result. The
research design must follow a pre-planned, well-thought-out methodology, in
agreement with the pre-selected research type, to produce an error-free, authentic
conclusion.

4.2 SOURCES OF DATA COLLECTION

Data Collection

The systematic collection, documentation, and analysis of data regarding issues

pertaining to the marketing of goods and services is known as marketing research.

Marketing research has shown to be a vital instrument for fulfilling all marketing
management requirements. Thus, the scientific process of obtaining and evaluating
marketing data in order to satisfy marketing management requirements is known as
marketing research. However, observation collection needs to be methodical.

The systematic conduct of research requires:

• Orderliness, in which the measurements are accurate.

•Impartiality in analysis and interpretation.

Data collection methods

Secondary Research

External secondary data has been generated to obtain volume of sales regarding
beverage markets, fruit drinks, each of the brands and the positioning of
each of the brands.

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4.4 LIMITATIONS OF THE STDUY

 Free, continuous and reliable information wasn’t always available.

 Lack of adequate information was a hindrance to arrive at a proper conclusion.
 The preference of consumers regarding various company policies may vary by
their own analysis and observations from time to time.
 It was difficult to find the financial data.

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 CHAPTER 5: ANALYSIS &
INTERPRETATION OF THE STUDY

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5.1 Swot Analysis

Strengths could include:

 A New And/ Or Innovative Service
 Capabilities Or Cost Advantages
 Cultural Connections
 Extraordinary Reputation
 Other Aspects That Add Value
 Special Expertise And/ Or Experience
 Superior Location or Geographic Advantage
 Unique Values That Drive Your Organization

Weaknesses might include:

 absence of marketing plan
 damaged reputation
 gaps in capabilities or service areas
 lagging in technology
 management or staff problems
 own known vulnerability
 poor location or geographic barriers
 undifferentiated service lines.

Opportunities might include:

 a market vacated by a competitor
 availability of new technology
 changes in population profile or need
 Competitor vulnerabilities
 lack of dominant competition
 new market segments that offer improved profit
 new vertical, horizontal, or niche markets.


Threats could include:

 a competitor has an innovative product or service
 a new competitor(s) in your home market
 adverse changes in reimbursement or regulations
 changing insurance plans and/or contracts for major area employers
 competitors have superior access to channels of distribution
 economic shifts
 loss of key staff or associates

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  new or increased competition
 seasonality
 shifts in market demand or referral sources.

5.2 PESTLE Analysis

Performing a PESTLE analysis for a health insurance company like Care Health
Insurance involves examining Political, Economic, Social, Technological, Legal, and
Environmental factors that could impact its operations:

1. Political: Regulations and government policies regarding healthcare funding,

insurance mandates, and healthcare reform can significantly influence the company's
operations.

2. Economic: Economic factors like inflation, unemployment rates, and GDP growth
can affect consumer spending on healthcare and insurance premiums.

3. Social: Demographic trends, public health concerns, and societal attitudes towards
healthcare and insurance can impact the demand for Care Health Insurance's services.

4. Technological: Advancements in medical technology, data analytics, and

telemedicine can affect how Care Health Insurance delivers services and interacts
with customers.

5. Legal: Compliance with healthcare regulations, litigation risks, and changes in

healthcare laws can impact the company's operations and profitability.

6. Environmental: Environmental factors such as pandemics, natural disasters, and

climate change can affect healthcare infrastructure and the demand for
insurance services.

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5.3 FINANCIAL ANALYSIS

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The above two figure shows the financial data of Care Health Insurance Company as
per 31st March 2023.
The first figure refers to the profit and loss account of last two years which include
operating profit, income from investment, other income, provision, other expenses,
etc.
It shows the last two years profit margin which is 2,829,523(in crore) in the year
2022 and 6,47,363.

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 CHAPTER – 6:
FINDINGS, CONCLUSION
&
RECOMMENDATION

6.1 FINDINGS

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Customer Satisfaction: Through surveys and feedback, it was found that a
significant majority of customers expressed satisfaction with the coverage provided
by Care Health Insurance.
Claim Processing Efficiency: Analysis of claim processing times revealed that Care
Health Insurance demonstrated prompt and efficient processing, leading to high
customer satisfaction and retention.
Network Coverage: Care Health Insurance's network of healthcare providers was
found to be extensive, providing policyholders with access to quality healthcare
facilities across a wide geographic area.
Product Flexibility: Care Health Insurance offers a range of insurance products
tailored to the diverse needs of its customers, providing options for individuals,
families, and corporate entities.
Technology Integration: The integration of technology in various aspects of service
delivery, such as online policy management and mobile app features, was noted as a
strength, enhancing customer experience and convenience.
Customer Support: Care Health Insurance demonstrated a commitment to excellent
customer support, with timely assistance provided through various channels,
including phone, email, and online chat.

6.2 Conclusion:

Based on the findings, it can be concluded that Care Health Insurance is a reputable
provider offering comprehensive coverage, efficient claim processing, extensive
network coverage, flexible product options, and excellent customer support. These
strengths position Care Health Insurance as a preferred choice for individuals and
organizations seeking reliable health insurance solutions. Continued focus on
customer satisfaction, innovation, and technological advancement will further
enhance its competitive edge in the insurance market.

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6.3 RECOMMENDATION
 Comprehensive Coverage: Care Health Insurance offers comprehensive coverage
for various medical expenses, including hospitalization, surgeries, diagnostic tests,
and pre and post-hospitalization expenses.
 Network of Hospitals: Care Health Insurance has a wide network of hospitals and
healthcare providers, ensuring that policyholders have access to quality healthcare
facilities across the country.
 Cashless Treatment: One of the key benefits of Care Health Insurance is its cashless
treatment facility, which allows policyholders to avail medical treatment without
having to pay upfront at network hospitals.
 Customizable Plans: Care Health Insurance offers a range of insurance plans that
can be customized to suit individual needs and budgets. This flexibility ensures that
policyholders can choose a plan that best meets their requirements.
 Quick Claim Settlement: Care Health Insurance is known for its efficient and
hassle-free claim settlement process, ensuring that policyholders receive timely
reimbursement for their medical expenses.

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BIBLIOGRAPHY

 www.carehealth.com
 www.moneycontrol.com
 www.economictimes.com
 www.wikipedia.com

Books & Magazines:

Life & Health Insurance
By Kenneth Black Jr., Harlod D. Skipper Jr.

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