The average health insurer in India spends roughly Rs.3,200 to acquire a customer who pays Rs.8,000 a year in premium. That's a 40% acquisition cost ratio — on a product with thin margins, high claim payouts, and a customer who might lapse after year one if nobody reminds them why they bought the policy in the first place. And most insurance marketing teams are still running the same playbook: fear-based TV ads, generic Google campaigns targeting "best health insurance," and