Parmar, Manojkumar. “Insurance Grievances As a Governance Challenge: Evaluating IRDAI’s Ethical Responsibility in the Indian Insurance Market”. RESEARCH HUB International Multidisciplinary Research Journal , vol. 13, no. 3, Mar. 2026, pp. 159-68, https://doi.org/10.53573/rhimrj.2026.v13n03.020.