Prioritized Research Areas 1404 (2025-2026)
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Category
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#
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Proposed Research Theme
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Product Design/Redesign
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1
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Development of life insurance schemes with capital payment structures aligned with the projected future value of asset ownership and liabilities
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2
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Design of insurance products tailored to the specific needs of small and medium-sized enterprises (SMEs)
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3
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Determination of the technical premium rates for occupational categories in employer liability insurance
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4
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Assessment of the implications of increasing the maximum provisional technical interest rate on life insurance policies and its subsequent impact on market growth
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Financial and Economic Aspects
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5
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Formulation of strategies to enhance life insurance penetration across different societal strata and geographic regions
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6
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Analysis of the role of supplementary health insurance in financing national healthcare system (expectations of the healthcare system from the supplementary health insurance sector)
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7
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Application of the contemporary methodologies for evaluating the adequacy of technical reserves in non-life insurance sectors, particularly third-party liability and health
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8
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Exploration of the energy insurance market (oil, gas, and petrochemical sectors) to identify underinsurance challenges and promote market expansion.
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9
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Comparative study of the methods for calculating investment returns of insurance institutions based on accounting standards, with recommendations for Iran’s insurance industry
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10
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Development of the financial early warning indicator dashboards for insurance companies through advanced modeling techniques.
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11
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Benchmarking international standards for loss assessment with recommendations for the Iranian insurance industry
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Legal and Regulatory Matters
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12
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Evaluation 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
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13
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Investigation 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
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14
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Examination of the legal complexities associated with cyber insurance policies
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15
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Analysis of the legal impediments affecting the marine and transport insurance sectors
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16
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Identification of barriers to the adoption of claims-based professional liability insurance products within the Iranian insurance market
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17
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Impact assessment of the recent amendments to foreign exchange regulations (e.g., preferential rates for pharmaceuticals and medical equipment) on insurer obligations in health insurance
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Information Technology
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18
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Design of the insurance products addressing emerging technologies such as artificial intelligence and robotics
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19
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Strategic foresight into the evolution of the insurance industry driven by technological advancements
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20
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Predictive analysis and risk assessment related to traffic accident losses
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Risk Assessment and Management
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21
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Development of the risk management frameworks for supplementary health insurance
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22
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Revision of the fire insurance risk classification models based on geographical risk profiling
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23
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Utilization of mechanism design principles to mitigate risk in auto and liability insurance
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24
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Identification and ranking of critical risks in internal auditing, accompanied by the formulation of risk-based auditing guidelines and matrices
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25
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Creation of a unified customer credit scoring system via centralized insurance company data integration
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26
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Comparative study of the international practices in health insurance claim supervision with applicable recommendations for the Iranian market
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27
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Investigation into the innovative approaches for identifying and assessing natural disaster risks in national and regional scales
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Reinsurance
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28
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Implementation of advanced techniques for evaluating the sufficiency of technical reserves in reinsurance institutions
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29
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Review of the contemporary pricing methodologies for non-proportional reinsurance contracts, with strategic recommendations for domestic industry practices
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