Mr Siddharth Kansal As InCHES completes its two decades serving the insurance sector. We at care health insurance has also completed 10 year of operations as a standalone health insurance company in India. I am happy to state that since we began our operations in 2012 we have been getting benefited by the knowledge and the narrative solutions that InCHES is providing today in most of our after sales verticals made, we claim adjudication made. We claim audits, Fraud Control, provider management, and in one of the biggest schemes that care has ever handled, that is Ayushman Bharat, we have been benefited by the immense knowledge and the solutions that InCHES Healthcare has today. InCHES healthcare is in itself a big brand in the insurance sector, which is not only acknowledged and respected by the insurance companies, but has also their own space in general insurance Council in IRDAI in various state insurance ombudsman, various state health agencies, World Bank and national health authority. Today, most of the insurance companies are working towards solutions wherein they can expand the insurance coverage. They can do consumer you know, consumer classification. They can do product innovation. They can do provider segmentation. They can do disease segmentation. They can do, you know, device standard treatment protocols. They are able to understand the various fraudulent practice and abuses by various healthcare providers, so on and so forth, where data mining, data science, data engineering and artificial intelligence play a crucial role. I am sure that as InCHES 2.0 inches will help the insurance fraternity to achieve all these objectives through their various innovative solutions by partnering by one of the with one of the best minds and technology companies in the world.

One of the biggest gaps that we see today in life insurance industry in India is the lack of trained professionals, qualified professionals, especially in the underwriting area. So if you if you see, what is the purpose of the underwriting that that we are doing, the purpose of underwriting is to, you know, of course, build a profitable Bucha business for the company, and not only build but also maintain their profitable Bucha business. And for that, there are so many evidence based processes that all of us are adopting, including telemers, including two barrage of medical tests, so on and so forth. But what we have realized, you know, life insurance industry privatization being more than 20 years now, over a period of time, there is a clear lack of no lack of trained underwriting professionals in this industry, for some reason, the talent does not seem to be we don't seem to be attracting good talent. And even after attracting, you know, many maintaining that talent, grooming that talent, seems to be a challenge. It's so refreshing to see that an organization, Dr Asrani and his team, which is health care limited, comes up and starts working in this area. I would not hesitate to say that the commendable work done by Dr Asrani and his team in the area of underwriting, risk management, teams, management, creating professionals for future is something all of us are extremely lucky to have, I think the Indian insurance industry, the risk management practices professionals, are very thankful to this team for thinking in this direction and working in this area. I wish this organization, which is a very good luck for future, and I look forward that in the coming years, with the use of technology and with use of other you know, you know, digital infrastructure, newer tools, inches and Dr Asrani will come up with more and more innovative solutions that will, you know, enhance the efficiency of the underwriting practices and the life insurance very catching in India. Thank you and wish you all the best.