The May-June 2026 cycle in Indian insurance law has produced three threads running in parallel — the Supreme Court's collateral-source recalibration in Dolly Satish Gandhi alongside the Santhosh anti-double-counting discipline and the Sayona Colors fraud-vitiates-all line; the operational implementation of the Sabka Bima Sabki Raksha (Amendment of Insurance Laws) Act 2025 with 100 per cent FDI and SEBI-style disgorgement powers for the IRDAI, alongside the Bima Sugam commercial launch and the continued delay of the Bima Vistaar composite product; and the IRDAI's substantive regulatory recalibration through the Information and Cyber Security Guidelines 2026, the KMP remuneration amendment tying half of the performance assessment to policyholder-outcome metrics, and the Karnataka HC and Supreme Court interventions on MACT jurisdiction over PA cover and on the personal liability of insurer top brass.