India's group health insurance market is shifting from traditional, standardized policies to flexible, points-based benefit structures that cater to the needs of a younger workforce. This model allows employees to tailor their insurance coverage by allocating points to various options, including dental, vision, and even pet insurance. According to Pavanjit Singh Dhingra, joint managing director of Prudent Insurance Brokers, this approach enhances personal choice and engagement, with 60–70% of employees actively participating in the decision-making process. The group health insurance segment experienced a growth of 10.36%, reaching ₹61,435 crore during the fiscal year 2024-25, and now constitutes nearly half of the total health insurance premiums in India. However, customized benefit pools currently represent only 5% of premiums, as implementing this model requires robust data analytics and technology. There is also a growing demand for mental health services and niche products like pet insurance, particularly in urban centers, where approximately 3–4% of corporates are beginning to offer pet insurance as part of their group policies.