<h1>Standardisation of treatment protocols could improve claim consistency and reshape insurer pricing and product design in health insurance.</h1> Galaxy Health Insurance's expansion underscores compliance and operational matters for standalone insurers, including OPD-focused product design, technology-enabled claims settlement, and distribution strategies. Two policy drivers stand out: GST rate cuts have reduced customer costs while insurers absorb part of the impact, affecting pricing and cost allocation; and the proposed standardisation of treatment protocols is identified as a key reform expected to improve claim consistency and cost control, thereby influencing underwriting and product design across the health insurance sector.