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Health Insurers to Launch Long-Term Products - IRDA

Karen Menezes Karen Menezes 12 August 2016

Policyholders can now rejoice as health insurance firms will be providing a wide range of products that one can choose from.

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With the recent turn of events, health insurance companies will be launching health covers for five years and more with absolutely no change in premium for first 3 years.

In fact, the Insurance Regulatory Development Authority of India (IRDAI) has permitted life insurers to launch health plus life combo products. This would be beneficial and convenient for all insurance seekers.

Any customer who buys new health insurance policies can avail the facility of free-look period where he/she can review the terms and conditions of the policy at least 15 days from the date of receipt. As per the Health Insurance Regulations 2016, if the rules and regulations of the policy are not acceptable by the policyholder, it can be returned back to the insurer.

IRDA also wants insurance companies to come up with innovative ways of providing incentives to reward policyholders for continued renewals, a happy claims experience, and prompt disclosure.

Health insurers must also provide portability of health insurance policies. Additionally, the scope of coverage has been expanded and insurers can offer coverage under one or more system covered under AYUSH treatment (only if it has been undergone in a government hospital).

The insurance regulator has allowed insurance companies to launch pilot products (close-ended products with a term of one year.) On the other hand, insurers have been restricted from providing group insurance schemes to groups who are formed with the sole intention of availing itself of insurance.

Karen Menezes
Written by Karen Menezes
An optimist at heart, Karen loves to see the world through a pair of rose-tinted glasses. An award-winning blogger, she loves to dream with her eyes open. Writing is not her passion, it’s an OCD! If at all she isn’t writing, you can find her shopping online or experimenting with DIY recipes. This lass currently works as a Content Writer at Coverfox.