Prioritized Research Areas

Prioritized Research Areas 1404 (2025-2026)

Product Design/Redesign

1Development of life insurance schemes with capital payment structures aligned with the projected future value of asset ownership and liabilities
2Design of insurance products tailored to the specific needs of small and medium-sized enterprises (SMEs)
3Determination of the technical premium rates for occupational categories in employer liability insurance
4Assessment of the implications of increasing the maximum provisional technical interest rate on life insurance policies and its subsequent impact on market growth

5Formulation of strategies to enhance life insurance penetration across different societal strata and geographic regions
6Analysis of the role of supplementary health insurance in financing national healthcare system (expectations of the healthcare system from the supplementary health insurance sector)
7Application of the contemporary methodologies for evaluating the adequacy of technical reserves in non-life insurance sectors, particularly third-party liability and health
8Exploration of the energy insurance market (oil, gas, and petrochemical sectors) to identify underinsurance challenges and promote market expansion.
9Comparative study of the methods for calculating investment returns of insurance institutions based on accounting standards, with recommendations for Iran’s insurance industry
10Development of the financial early warning indicator dashboards for insurance companies through advanced modeling techniques.
11Benchmarking international standards for loss assessment with recommendations for the Iranian insurance industry

12Evaluation of the effectiveness of Supreme Insurance Council Regulations 1/94 and 2/94 on the performance metrics and loss ratios of supplementary health insurance contracts
13Investigation into the operational and legal challenges of implementing peer-to-peer insurance models within the context of Iranian insurance legislation and Supreme Insurance Council Regulation No. 105
14Examination of the legal complexities associated with cyber insurance policies
15Analysis of the legal impediments affecting the marine and transport insurance sectors
16Identification of barriers to the adoption of claims-based professional liability insurance products within the Iranian insurance market
17Impact assessment of the recent amendments to foreign exchange regulations (e.g., preferential rates for pharmaceuticals and medical equipment) on insurer obligations in health insurance

18Design of the insurance products addressing emerging technologies such as artificial intelligence and robotics
19Strategic foresight into the evolution of the insurance industry driven by technological advancements
20Predictive analysis and risk assessment related to traffic accident losses

21Development of the risk management frameworks for supplementary health insurance
22Revision of the fire insurance risk classification models based on geographical risk profiling
23Utilization of mechanism design principles to mitigate risk in auto and liability insurance
24Identification and ranking of critical risks in internal auditing, accompanied by the formulation of risk-based auditing guidelines and matrices
25Creation of a unified customer credit scoring system via centralized insurance company data integration
26Comparative study of the international practices in health insurance claim supervision with applicable recommendations for the Iranian market
27Investigation into the innovative approaches for identifying and assessing natural disaster risks in national and regional scales

28Implementation of advanced techniques for evaluating the sufficiency of technical reserves in reinsurance institutions
29Review of the contemporary pricing methodologies for non-proportional reinsurance contracts, with strategic recommendations for domestic industry practices