Health Coverage: ACA open enrollment has begun, with benchmark premiums set to rise an average 13% and some shoppers facing fewer plans and less financial help. Singapore saw a 72% jump in people dropping optional private health insurance riders as premiums climbed. Insurer Competition: Fitch sees limited near-term credit risk from AI, but warns retail insurers face more disruption as technology firms target consumers and established distribution models. Cyber Risk: Recent attacks on financial institutions have insurers worried about claims; AU Small Finance Bank has ₹100 crore in cyber cover, but has not yet notified its insurer about a potential data breach. Climate Exposure: Flood-damaged homeowners in Queensland say cover is becoming unaffordable or unavailable, with one insurer declining renewals after flood claims. South Korea’s Gyeonggi climate insurance paid out 4.2 times more for heat-related claims in six months than in the previous full year. Lending Outlook: Weak rural incomes and drought threaten NBFC loan quality, while Nomura’s bear case assumes insurance fee income could halve from FY28. Public Coverage: India’s health scheme for people aged 70 and older now covers 60 million citizens and has authorised 2.35 million hospital admissions.