IRDAI to minimise exclusions in health insurance policy


IRDAIInsurance Regulatory and Development Authority (IRDAI) started the procedure to minimise the number of diseases which are not covered under the health insurance policies.


With the increase in the number of companies providing health insurance, there is an increase in the number of product offerings.

So there has to be a uniform approach while incorporating the exclusions as part of product design as well as for the wording of the exclusions, said an order.

A 10-member committee has already been formed for the purpose and it will submit its report in eight weeks. The panel is headed by utive Director (Health), IRDAI, Suresh Mathur.


The committee will also study “wordings/language of the exclusions and standardise the wordings” in an understandable language.

“Rationalise the exclusions that disallow coverage with respect to new modalities of treatments and technologically advanced medical treatments. Identify the type of exclusions which shall not be allowed,” said the terms of reference (ToR) of the panel.

The committee will also look into the scope for allowing individual specific and/or ailment/disease specific permanent exclusions at the time of underwriting so that the policyholders are not denied health insurance claims unrelated to the exclusions.




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