International News	06
	The latest trends and developments in the global insurance and financial sectors
	Premium Facts	13
	Premium Facts
	Health Care	15
	Health Check: The concluding part of the article tracks the emergence of health tourism in India and other parts of Asia (Part – VIII)
	Perspective	17
	Mid-life Blues : Regulatory interventions, a volatile and declining stock market resulting in dipping value of ULIPs and massive exit of agents are setting the clock back for the Indian life insurers, says NC Sharma (Part II)
	Risk Management	19
	Risky Reputation: Reputation equity is a significant asset for many companies and, as such, requires priority attention and active management, finds out AON-Oxford Metrica study
	Cover Story	21
	Hybrid Model : Though the size of the TP Pool in terms of its capacity, premium flow and cash outgo would reduce considerably G V Rao
	Inteviews : R.K.Kaul ,OI; Bhargav Dasgupta,ICICI Lombard GI; Amarnath A, Bharti Axa GI; Ritesh Kumar, HDFC GI; K.G. Krishnamoorthy Rao Future Generali II; G Srinivasan, UIA
	Road Tragedies: Despite concrete laws and penalty levied on breaking road rules, India suffers from the highest number of deaths in the world
	Reinsurance	42
	Redesigning Life: As the market shrinks, Robert A Hafner & Simon Ashworth examine how life reinsurers look to new products for growth
	India News	44
	The latest events and developments in the Indian insurance market
	CEO Speak	54
	Ash Bathia, Chief Underwriting Officer, Property, Casualty & Motor Division, QBE Europe.