POLICYBZR — earnings call

The transcript as filed. Every paragraph is addressable: its link names the page and the position it sits at in the call.

Prepared remarks

Sachin Salgaonkar

Thanks Mohit.

Hi, management.

Congrats once again, a great set of numbers.

I have 3 questions.

Let me go one by one.

First question, Yashish, clearly it’s a very strong, insurance premium growth once again, and thank you for helping us understand from where the growth is coming.

But when I look at the industry, particularly health and term, they are not growing as fast, and you guys on that high base continue to show anywhere between a 53% to 59% of growth for health and term.

Where is this growth coming from?

Is it mainly coming from Tier 2, Tier 3 cities, or it's still the urban areas which are contributing to most of the growth?

And is there a slightly different set of users versus, let's say, what most manufacturers are looking at it, and hence your growth looks so better as compared to them?