Author: Dr. Vineet Kumar Mittal

Insurance as a Social Safeguard Insurance is more than a financial mechanism—it is a social safeguard. It exists to protect individuals, families, and institutions at moments of vulnerability, and to sustain confidence in systems that support economic and social stability. As societies grow more complex, so do the risks they face, placing greater responsibility on the insurance ecosystem to respond with fairness, efficiency, and foresight. An Industry in Transition In recent years, the industry has been navigating a particularly challenging transition. Fraud has evolved from being episodic to systemic, often leveraging technology, scale, and coordination. This has raised fundamental questions…

Every investigation, every claim, and every decision in insurance carries a responsibility that extends beyond processes and paperwork. It touches trust, fairness, and the confidence with which individuals and institutions rely on the system during moments of uncertainty. The stories and perspectives shared in this first issue of DRISTIKON are not meant to be definitive answers. They are reflections—drawn from the field, shaped by experience, and grounded in the belief that the insurance ecosystem grows stronger when learning is shared and perspectives are widened. As this bulletin evolves, future issues will continue to explore case narratives, behavioural insights, governance challenges,…