Bima Sugam is not a migration project. The teams who treated UPI that way are still paying for it.

Bima Sugam is the biggest digital shift Indian insurance has ever seen. If you haven't heard of it - think UPI, but for insurance. One platform where anyone can compare, buy, manage, and claim any policy from any insurer in the country. No paperwork. No jumping between websites. And because it cuts out the middlemen sitting between insurers and customers, the promise is lower premiums and faster claims for everyone. IRDAI is driving it. Every insurer has to integrate. Non-compliance is not an option. When UPI launched, every bank said they were ready. The go-live date told a different story. I have watched this pattern play out enough times to know it is not random. Every time India rolls out infrastructure that changes how digital products reach people, three types of teams show up. Same three. Every time. The teams that captured the market They figured it out early. Not because they had more budget or more people. Because they understood what the change meant for their business befor