Amongst various channels for distribution of health insurance policies, individual agents contributed a major share in total health insurance premium at 35 per cent, according to the IRDA annual report 2020-2021. But in the individual health insurance premium, their share was high at 74 per cent. Direct sales (other than online) is the second major channel for distribution of health insurance business. This channel contributed 27 per cent in total health insurance premium, though their share in government business was 100 per cent. The third important channel for distribution of health insurance business is brokers, who contributed 24 per cent of total health insurance premium. The share of brokers was high at 45 per cent in group health insurance premium. The ‘bancassurance’ channel contributed 9 per cent of total health insurance premium and ‘Online Sale’ channel contributed only 2 per cent in this.