In 2025, India's health insurance market saw significant shifts towards outpatient (OPD) coverage, wellness-linked pricing, and AI-driven underwriting. Rising medical inflation and lifestyle diseases prompted consumers to seek predictable, year-round healthcare costs. OPD benefits experienced strong adoption, with plans forming 15% of new retail policies, particularly among those managing chronic conditions. Insurers anticipate a future focus on cashflow protection and enhanced coverage for severe illnesses.