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Insurance Premium Predictions by Using Machine Learning

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Insurance Premium Predictions by Using Machine Learning


Sanika Vinod Vaidya



Sanika Vinod Vaidya "Insurance Premium Predictions by Using Machine Learning" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Special Issue | Smart Innovations in Computer Science and Applications, March 2026, pp.613-625, URL: https://www.ijtsrd.com/papers/ijtsrd101646.pdf

The Indian market is growing at a tremendous rate, and at the moment, the Indian market is set to become the fastest-growing market in the world. We are talking about a growth rate of 6.9% between the years 2026 and 2030. This is a huge jump. To be more precise, we are talking about an increase of 8-11% in FY26 in the life insurance segment. This is because of the newfound interest in annuity savings and protection products. The segment that is growing at an enormous rate is health insurance. This is the segment that is looking at a massive CAGR of 20.9% between now and 2030, meaning this will be the segment that will contribute nearly 38% of the total premiums generated in the non-life insurance category. The general segment is looking at a healthy growth rate of 12-14% in FY27. If we look at this, we will understand the enormity of this market because the non-life insurance penetration is at a mere 1%. This is because of a few factors, namely regulations, people having more money in their pockets, and the fact that digitalization has finally made it easy for people to access this.

Machine learning, Predictive modeling, Actuarial science, Data analytics, Claim prediction, Policy pricing, Underwriting, Risk classification, Telematics, Big data, Insurance technology (InsurTech), Deep learning, Gradient boosting, Random forest, Logistic regression, Decision trees, Neural networks, Insurance dataset.


IJTSRD101646
Special Issue | Smart Innovations in Computer Science and Applications, March 2026
613-625
IJTSRD | www.ijtsrd.com | E-ISSN 2456-6470
Copyright © 2019 by author(s) and International Journal of Trend in Scientific Research and Development Journal. This is an Open Access article distributed under the terms of the Creative Commons Attribution License (CC BY 4.0) (http://creativecommons.org/licenses/by/4.0)

International Journal of Trend in Scientific Research and Development - IJTSRD having online ISSN 2456-6470. IJTSRD is a leading Open Access, Peer-Reviewed International Journal which provides rapid publication of your research articles and aims to promote the theory and practice along with knowledge sharing between researchers, developers, engineers, students, and practitioners working in and around the world in many areas like Sciences, Technology, Innovation, Engineering, Agriculture, Management and many more and it is recommended by all Universities, review articles and short communications in all subjects. IJTSRD running an International Journal who are proving quality publication of peer reviewed and refereed international journals from diverse fields that emphasizes new research, development and their applications. IJTSRD provides an online access to exchange your research work, technical notes & surveying results among professionals throughout the world in e-journals. IJTSRD is a fastest growing and dynamic professional organization. The aim of this organization is to provide access not only to world class research resources, but through its professionals aim to bring in a significant transformation in the real of open access journals and online publishing.

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