IRDAI
Buying health insurance? One overlooked document can tell you what brochures won’t
Irdai-mandated product-wise NL-47 disclosures reveal claim settlement, complaint rates, renewals and more, helping buyers compare health insurance plans beyond brochures and marketing claims.
4 min read6 Jul 2026ICICI Bank, Prudential sign undertaking to defuse conflict-of-interest concerns ahead of Bharti Life deal
The undertaking, signed between the two promoters of ICICI Prudential Life on Saturday, seeks to address potential conflicts of interest arising from Prudential's proposed acquisition of Bharti Life.
2 min read5 Jul 2026IRDAI plans insurance commission overhaul to curb mis‑selling with staggered payouts and stricter transparency rules
IRDAI plans to implement staggered commissions, spreading payouts over the policy term to improve transparency, reduce churn and align distributor incentives with customer needs across India’s insurance market.
2 min read3 Jul 2026Pay only for the kilometres you drive: How PAYD insurance works
If you drive infrequently, a pay-as-you-drive (PAYD) policy could significantly lower your car insurance premium. Here's how it works, who should opt for it, and the risks to watch for.
4 min read3 Jul 2026Big changes ahead? IRDAI to soon unveil insurance distribution reform paper
The regulator is expected to invite stakeholder feedback on proposed reforms to insurance distribution. The framework is likely to focus on persistency, informed customer choice and balanced regulation while keeping policyholder protection at its core.
2 min read28 Jun 2026Mis-sold a product from your bank? RBI's new framework seeks to fix that
The RBI's new framework bars banks from forcing customers into insurance purchases, links employee incentives to product mis-selling, and mandates explicit consent and full refunds for violations.
5 min read25 Jun 2026Policyholder looking for a change in your insurance terms? Choose between migration vs portability—Here's the difference
IRDAI has issued guidelines on Migration and Portability for health insurance, allowing policyholders to transfer benefits between insurers or within the same insurer, ensuring continuity of waiting periods and accrued bonuses under certain conditions.
3 min read17 Jun 2026Mis-selling, not claims, is life insurance’s biggest problem: Aviva CEO Asit Rath
Aviva Life Insurance CEO Asit Rath says tighter regulations are pushing the industry away from commission-led selling toward life-stage advice, data-driven underwriting and long-term customer engagement.
5 min read12 Jun 2026Travel insurance claims denied? Here are the mistakes travellers make most often
Travel insurance covers far more than medical emergencies, but claim success often hinges on disclosures, documentation and meeting strict policy conditions.
7 min read11 Jun 2026Can your health claim be rejected? IRDAI’s 5‑year moratorium rule explained
Five-year health insurance moratorium reduces wrongful claim rejections for genuine non-disclosures while preserving fraud checks, so policyholders must stay transparent and maintain continuous cover for protection.
2 min read29 May 2026Wait for it…
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