Insurance Regulatory and Development Authority of India

Ref: IRDAI/HLT/REG/CIR/194/07/2020

22nd July, 2020

All Insurers (excluding specialized insurers) and TPAs, wherever applicable

Sub: Consolidated Guidelines on Product filing in Health Insurance Business

 1. Objective:

1.1 The extant IRDAI (Health Insurance) Regulations 2016 were notified on 18th July, 2016 superseding IRDA (Health Insurance) Regulations 2013.

1.2 The Guidelines on Product Filing in Health Insurance Business were issued on 29th July, 2016.

1.3 Subsequently modification Guidelines have been issued from time to time amending aforementioned Guidelines. Further, some new Guidelines/Circulars have been issued under the provisions of the Insurance Act, 1938 and IRDAI (Health Insurance) Regulations 2016.

1.4 In consolidation of all the Guidelines/Circulars issued up to 31st March, 2020 and in force as on date, this Consolidated Guidelines on Product filing in Health Insurance Business is issued.

2. Applicability:

2. 1 These Consolidated Guidelines are applicable to all insurers (excluding specialized insurers) and the TPAs wherever applicable unless otherwise specified thereunder.

3. Legal and other provisions:

3.1 These Consolidated Guidelines are issued under the provisions of Section 34(1) of the Insurance Act, 1938, Regulation 2(i)(o), 2(i)(g), 17(iv) and Clause 16 of Schedule I of IRDAI (Health Insurance) Regulations 2016.

4. Repeal and Savings:

4.1 These Consolidated Guidelines supersede the following Guidelines/Circulars:



Circular Reference Description
1. IRDA/HLT/REG/CIR/150/07/2016 dated 29.07.2016 Guidelines on Product Filing in Health Insurance Business
2. IRDA/HLT/REG/CIR/005/01/2017 dated 10.01.2017 Clarifications  in   respect   of   the  provisions of

IRDAI (Health Insurance) Regulations 2016 and Guidelines on Product Filing in Health Insurance

3. IRDA/HLT/REG/ClR/064/03/2017 dated 24.03.2017 Modification in premium rates due to revised Commission/Remuneration Structure and introduction of Reward System
4. IRDA/HLT/MISC/CIR/128/08/2018 dated 16.08.2018 The Mental Healthcare Act, 2017
5. IRDA/HLT/MISC/CIR/169/10/2018 dated 08.10.2018 The  Human Immunodeficiency   Virus and Acquired  Immune Deficiency Syndrome (Prevention and control) Act 2017
6. IRDA/HLT/CIR/MISC/151/09/2019 dated 20.09.2019 Guidelines on Filing of Minor Modifications in the approved Individual Insurance Products offered by General and Stand Alone Health Insurers on  Certification Basis.
7. IRDAI/HLT/CIR/MISC/174/09/2019 dated 27.09.2019 Circular on Travel Insurance Products and operational matters
8. IRDAI/HLT/REG/CIR/175/09/2019 dated 27.09.2019 Modification Guidelines on Product Filing in Health Insurance Business &


9. IRDAI/HLT/REG/CIR/003/01/2020 dated 01.01.2020 Guidelines on Migration and Portability of health insurance policies

5. Effective date :

These Consolidated Guidelines shall come into force with immediate effect.

DVS Ramesh 
General Manager (Health)

Download Full Text of Consolidated Guidelines on Product filing in Health Insurance Business

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