Neutral impactSector
13% of health insurance customers pay premiums in monthly, quarterly EMIs, shows data: How the model works
Mint 1 hr ago·10 Oct 2026, 9:33 am
A significant portion of health insurance customers are now opting to pay their annual premiums in smaller, regular installments rather than a single lump sum. This trend highlights a shift in consumer behavior, where the flexibility of monthly or quarterly payments is becoming a key factor for many policyholders.
For investors, this development underscores the growing importance of the 'buy now, pay later' (BNPL) and flexible payment models in the financial services sector. It signals a demand for products that reduce the immediate financial burden of large expenses, a trend that could benefit fintech and insurance aggregators that facilitate such payment structures.
Moving forward, the key for companies will be to balance this flexibility with the need for predictable, steady cash flows. Investors should watch for how these firms manage the working capital requirements associated with collecting payments in advance, as well as how this model impacts customer retention and long-term policy value.
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