{"id":318474,"date":"2024-03-27T10:30:52","date_gmt":"2024-03-27T05:00:52","guid":{"rendered":"https:\/\/www.scconline.com\/blog\/?p=318474"},"modified":"2024-03-30T16:03:41","modified_gmt":"2024-03-30T10:33:41","slug":"irdai-notifies-irdai-insurance-products-regulations-2024-legal-news","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2024\/03\/27\/irdai-notifies-irdai-insurance-products-regulations-2024-legal-news\/","title":{"rendered":"IRDAI (Insurance Products) Regulations, 2024"},"content":{"rendered":"<div style=\"text-align: justify; line-height: 150%;\">\n<p style=\"margin-bottom: 3%;\">On 22-3-2024, the <span style=\"font-weight: bold;\">Insurance Regulatory &amp; Development Authority of India<\/span> (\u2018IRDAI\u2019) notified the <span style=\"font-weight: bold;\">Insurance Regulatory and Development Authority of India (Insurance Products) Regulations, 2024<\/span>. The provisions will come into force on 1-4-2024.<\/p>\n<p style=\"font-weight: bold;\">Key Points:<\/p>\n<ol style=\"list-style-type: decimal;\">\n<li><span style=\"font-weight: bold;\">Applicability:<\/span> insurers who have certificate of registration for business of life insurance\/ general insurance\/ health insurance in India.<\/li>\n<li>The regulations will be reviewed once in 3 years from the date of its publication.<\/li>\n<li>\n<p style=\"font-weight: bold;\">Objectives:<\/p>\n<ul style=\"list-style-type: disc;\">\n<li>To facilitate insurers to respond faster to emerging market needs\/ design innovative products\/ to promote ease of doing business and to improve insurance penetration.<\/li>\n<li>To protect the interest of policyholders by enabling insurers to adopt good governance while designing and pricing the products.<\/li>\n<li>To ensure sound and responsive management practices for effective oversight and adequate due diligence.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p style=\"font-weight: bold;\">Principles to be followed by the insurer in Product design &amp; development cycle of insurance products:<\/p>\n<ul style=\"list-style-type: disc;\">\n<li>evolving risk coverage needs of customer are taken into account while developing new products and revising existing products;<\/li>\n<li>product covers an insurable risk with an underlying risk transfer;<\/li>\n<li>products offered are simple to understand and not complex;<\/li>\n<li>transparency and clarity in wordings, terms, coverage, exclusions and conditions;<\/li>\n<li>policyholder\u2019s interests are protected;<\/li>\n<li>basic principles of insurance are adhered to;<\/li>\n<li>all risks relevant to the products are appropriately considered in the pricing;<\/li>\n<li>premium rates are fair and not excessive, inadequate, unfairly discriminatory and provide value for money;<\/li>\n<li>products are viable and self-sustainable;<\/li>\n<li>market conduct practices are appropriate and fair;<\/li>\n<\/ul>\n<\/li>\n<li>\n<p style=\"font-weight: bold;\">Product management and governance:<\/p>\n<ul style=\"list-style-type: disc;\">\n<li>Every insurer should have <span style=\"font-weight: bold;\">Board approved policies<\/span> covering all areas of product design, underwriting, advertisements and overall management of the insurance products.<\/li>\n<li>Board will constitute a <span style=\"font-weight: bold;\">Product Management Committee<\/span> (\u2018PMC\u2019) which will be responsible for implementation of Board approved policies and ensure:\n<ul style=\"list-style-type: circle;\">\n<li>adherence to principles of design and pricing of insurance products;<\/li>\n<li>appropriateness of the product design for the target market;<\/li>\n<li>regulatory compliance and recommending products for filing under File and use procedure;<\/li>\n<li>products falling under Use and file category are approved;<\/li>\n<li>modification or withdrawal of the product, if required;<\/li>\n<li>overall management of the insurance products.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<li><span style=\"font-weight: bold;\">Review of insurance products:<\/span> Products offered for sale will be reviewed by Appointed Actuary once a year, taking into account:\n<ul style=\"list-style-type: disc;\">\n<li>reasonable expectation of all stakeholders (including policyholders);<\/li>\n<li>financial viability of the products;<\/li>\n<li>emerging risks and experience under the products.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p style=\"font-weight: bold;\">The following Regulations will stand repealed from 1-4-2024:<\/p>\n<ul style=\"list-style-type: disc;\">\n<li>IRDAI (Micro Insurance) Regulations, 2015<\/li>\n<li>IRDAI (Minimum Limits for Annuities and other benefits) Regulations, 2015;<\/li>\n<li>IRDAI (Acquisition of Surrender and Paid up values) Regulations, 2015;<\/li>\n<li>IRDAI (Health Insurance) Regulations, 2016;<\/li>\n<li>IRDAI (Unit Linked Insurance Products) Regulations, 2019;<\/li>\n<li>IRDAI (Non-Linked Insurance Products) Regulations, 2019.<\/li>\n<\/ul>\n<\/li>\n<li><span style=\"font-weight: bold;\">Schedule I<\/span> relates to Specific provisions applicable to life insurance products.<\/li>\n<li><span style=\"font-weight: bold;\">Schedule II<\/span> relates to Specific provisions applicable to general insurance products.<\/li>\n<li><span style=\"font-weight: bold;\">Schedule III<\/span> relates to Specific provisions applicable to health insurance products.<\/li>\n<\/ol>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p style=\"font-style: italic;\">These regulations protect the interest of policyholders by enabling insurers to adopt good governance while designing and pricing the products.<\/p>\n","protected":false},"author":67515,"featured_media":318484,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[4,15],"tags":[66815,66814,66813,42075,66816],"class_list":["post-318474","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legislationupdates","category-rules_regulations","tag-board-approved-policies","tag-insurance-products","tag-insurance-regulatory-and-development-authority-of-india","tag-irdai","tag-product-management-committee"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>IRDAI (Insurance Products) Regulations, 2024 | SCC Times<\/title>\n<meta name=\"description\" content=\"IRDAI notified IRDAI (Insurance Products) Regulations, 2024 to facilitate insurers 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