C. . Ragothaman, V. Kavitha, S. Gupta, M. . Kumar, K. Ravinarayana, and Meghana S, “Navigating India’s insurance framework:  Issues and challenges for the Indian insurance industry”, Int. Ins. Law. Rev., vol. 33, no. S4, pp. 294–319, Sep. 2025, doi: 10.64526/iilr.33.S4.17.