Ep – 52
4 Sep 2025
In this latest episode of Simple Hai!, Vivek Law sits down with Anup Rau, CEO of Generali India Insurance, who brings nearly three decades of experience in the insurance sector.
The conversation begins by exploring why Indians continue to delay buying health insurance, despite readily purchasing car insurance. Rau explains how procrastination, optimism bias, and over-reliance on employer-provided group covers leave many dangerously exposed. He argues that health insurance is not just another financial product but a way of safeguarding the most important asset—yourself.
Rau also draws fascinating comparisons between the Indian and international insurance markets. While global customers value long-term relationships and service quality, Indian corporates often chase the lowest price, creating transactional relationships that undermine trust and sustainability. He stresses the need for profitability-driven models rather than growth-at-any-cost strategies.
The discussion then turns to what must be done to improve insurance penetration in India, especially in rural areas. Through Generali’s partnership with Central Bank, Rau highlights how brick-and-mortar trust, combined with affordability and reach, can bring millions of rural customers under insurance coverage.
Beyond business, Rau shares personal philosophies on leadership, resilience, and authenticity. From selling salt in his early career to leading a global insurance brand in India, his journey offers lessons in hard work, humility, and the importance of chasing knowledge before wealth.
This episode is not only a deep dive into insurance but also a reflection on life, leadership, and the values that drive success. Watch now! #insurance #healthinsurance #investing #insurancetips
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