What is the new health insurance law in India?

The new health insurance law in India focuses on making policies more transparent, ensuring standardised terms, faster claim settlements, and better consumer protection.

What is the new rule of insurance?

The new rule of insurance highlights simplified policy wording, mandatory disclosure of all charges, and more accountability from insurance companies.

What is the rule for health insurance?

The rule for health insurance in India states that every policyholder must disclose accurate medical information, insurers must provide a 15-day free-look period, and IRDAI regulates policy terms to protect consumers.

What is the new health insurance scheme of PM Modi?

The new health insurance scheme of PM Modi is the Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PMJAY), which offers free health coverage up to ₹5 lakh per family per year for eligible beneficiaries.

What is the insurance update 2025?

The insurance update 2025 includes digitisation of claim processes, portability of health insurance across insurers, and wider coverage for preventive healthcare and telemedicine.

Can I buy two health insurances in India?

Yes, you can buy two health insurance policies in India. At the time of claim, you can choose which policy to use first, and if expenses remain, they can be settled by the second policy as per coordination of benefits.

What is the new health insurance scheme of PM Modi?

The new health insurance scheme of PM Modi is the Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PMJAY), which offers free health coverage up to ₹5 lakh per family per year for eligible beneficiaries.

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New Health Insurance Rule | Customer Information Sheet - Digitization, Standardised & Benefits

Alankar Mishra

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Updated: 30-08-2025 at 5:30 PM

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Since January 1, 2024, buying or renewing a health insurance policy has gotten much simpler for Indian consumers. In a landmark policy directive, the Insurance Regulatory and Development Authority of India (IRDAI) has mandated all general and health insurance providers to issue a standardised Customer Information Sheet (CIS) to customers under the New Health Insurance Rules 2025.

In this article, you will get the detailed information about the need and standards of the new health insurance, its benefits, future aspects and much more.

Overview

The New Health Insurance Rules 2025, introduced by IRDAI, mark a landmark reform in simplifying health policies for Indian consumers. With IRDA’s new guidelines for Health Insurance 2025, a standardised Customer Information Sheet (CIS) will ensure transparency, easy comparison, and better consumer protection.

Key Aspect	Details
Purpose of CIS	Eliminate complexity, improve transparency, and prevent disputes by summarising policy features clearly.
Standardisation Need	Earlier CIS formats lacked uniformity; now, under IRDAI's new rules for health insurance, all retail health policies will follow a common format.
Core Elements Covered	Benefits, exclusions, co-payments, sub-limits, claims process, rights & responsibilities of insurer and policyholder.
Delivery Mode	Digitally via IRDAI-regulated repositories; CIS can be accessed anytime through web portals or mobile apps.
Consumer Benefits	Easier comparison of plans, informed decision-making, clarity on claims, increased trust & accountability.
Broader Impact	Boosts e-documentation, curbs mis-selling, and aligns with IRDAI's new guidelines for insurance and digitisation reforms.
Premium Transparency	Ensures clarity under IRDA guidelines for health insurance premium increase, reducing disputes.
Future Scope	With tools like IRDA’s new guidelines for Health Insurance 2024 PDF download, customers can compare, select, and switch policies with confidence.

The Need For Standardised CIS In Health Insurance

Historically, health plans in India have been renowned for complex exclusions and technicalities that keep customers unaware of the complete coverage terms. Varying policy wordings and clauses often led to disputes during claim settlement.

To eliminate information asymmetry between insurers and the insured, IRDAI first introduced the concept of a CIS in 2017 across life, non-life, and standalone health insurance products. However, a lack of standardisation hindered transparency.

IRDA's new guidelines for Health Insurance 2025 aim to develop a uniform CIS format exclusively for retail health policies sold by general and health insurance companies. This will encapsulate all key aspects into a simple, standardised document, highlighting the following:

Key benefits and exclusions
Claims process
Rights and responsibilities

By serving as an acknowledgement document summarising policy features, the CIS will prevent future disputes due to a lack of transparency.

It will also enable easier comparison across health plans while buying or porting policies.

Core Elements Captured Under the CIS

As per IRDAI's new rules for health insurance, the CIS needs to be issued in the policyholder’s preferred language and include the following details:

Product name, UIN number, policy term, sum insured, and cumulative bonus.
Key health insurance benefits are covered, e.g., hospitalisation, pre- and post-care, and AYUSH treatment.
List of permanent exclusions like suicide, cosmetic surgery, alcohol abuse, etc.
Co-payment clauses, sub-limits if applicable.
Claims intimation process, document list, TAT for settlement.
Obligations of the insurer and policyholder.
Contact details for disputes and consumer grievance redressal.
Besides simplifying policy comparisons, the CIS will ensure customers make informed purchasing decisions aligned to their needs.

Digitisation Of CIS Delivery Via Repository

As part of the reforms, the issuance and delivery of CIS will be done digitally by insurance repositories regulated by IRDAI's new guidelines for insurance.

Policy buyers can access and download standardised CIS in real-time through the repository’s web portal or mobile app as insurers integrate with the digital system.

This will automate the storage of CIS documents, giving customers hassle-free access to their policy information at any time, even if they switch insurers in the future.

The move accelerates India’s adoption of e-documentation in the insurance sector.

Benefits Of Standardised CIS Forms

The mandatory standardised CIS forms for health insurance aim to provide the following benefits under the IRDA guidelines for health insurance premium increase:

Aid easy comprehension of covers and exclusions by policyholders
Eliminate a lack of transparency about claim settlements.
Curb the mis-spelling of products, unable to serve needs
Simplify comparisons across health plans.
Increase trust and insurers’ accountability.
By serving as the single point of reference, CIS will give customers greater clarity on policy details and rights as insured citizens.
This furthers the insurance regulator’s consumer protection mandate.

Way Forward

The CIS guidelines help move towards a more transparent and efficient way of working to help the insurers better understand the complete framework of the insurance they are going to undertake.

IRDA's new guidelines for Health Insurance 2024 PDF download provides them with a tool to compare and contrast to choose the best policy and plan available to them. The CIS guideline will further encourage people to seek out insurance policies, as they have been simplified and made more accessible than before.

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