{"id":338836,"date":"2025-01-11T12:00:24","date_gmt":"2025-01-11T06:30:24","guid":{"rendered":"https:\/\/www.scconline.com\/blog\/?p=338836"},"modified":"2025-01-11T09:20:10","modified_gmt":"2025-01-11T03:50:10","slug":"insurance-regulatory-and-development-authority-of-india-regulatory-sandbox-regulations","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2025\/01\/11\/insurance-regulatory-and-development-authority-of-india-regulatory-sandbox-regulations\/","title":{"rendered":"IRDAI notifies Regulatory Sandbox Regulations, 2025 repealing the 2019 regulations"},"content":{"rendered":"<div style=\"text-align: justify; line-height: 150%;\">\n<p style=\"margin-bottom: 3%;\">On 1-1-2025, the <span style=\"font-weight: bold;\">Insurance Regulatory and Development Authority of India<\/span> notified the <span style=\"font-weight: bold;\">Insurance Regulatory and Development Authority of India (Regulatory Sandbox) Regulations, 2025<\/span> to increase efficiency and ease of doing business in the insurance sector. The provisions came into force on 3-1-2025.<\/p>\n<p style=\"margin-bottom: 3%;\">The regulations <span style=\"font-weight: bold;\">repeal<\/span> <a href=\"https:\/\/www.scconline.com\/DocumentLink.aspx?q=JTXT-9000801395\" target=\"_blank\">Insurance Regulatory and Development Authority of India (&#8216;IRDAI&#8217;) (Regulatory Sandbox) Regulations, 2019<\/a>.<\/p>\n<h3>Key Points:<\/h3>\n<ol style=\"list-style-type: decimal;\">\n<li>\n<p style=\"font-weight: bold;\">Objectives:<\/p>\n<ul style=\"list-style-type: disc;\">\n<li>\n<p>Facilitate innovation in the insurance sector;<\/p>\n<\/li>\n<li>\n<p>Ensure orderly development of insurance sector;<\/p>\n<\/li>\n<li>\n<p>Protect interest of policyholders;<\/p>\n<\/li>\n<li>\n<p>Facilitate creation of regulatory sandbox environment;<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li>\n<p style=\"font-weight: bold;\">Application for grant of permission for promoting innovation in insurance in India:<\/p>\n<ul style=\"list-style-type: disc;\">\n<li>\n<p>Anyone who desires to promote\/ implement innovation in insurance will have to make an application to the Competent Authority electronically.<\/p>\n<\/li>\n<li>\n<p>A non- refundable fee has to be paid along with the application.<\/p>\n<\/li>\n<li>\n<p>Eligible criteria will be laid down by the Competent Authority.<\/p>\n<\/li>\n<li>\n<p>Competent Authority will also lay down the parameter for the experimentation stage of regulatory sandbox, liabilities and responsibilities of the applicant who is granted permission.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li>\n<p style=\"font-weight: bold;\">The permission granted by the Competent Authority will be valid for an experiment period if the following eligibility criteria is met by the applicant and the application:<\/p>\n<ul style=\"list-style-type: disc;\">\n<li>\n<p>promotes innovation beneficial to insurance sector in India;<\/p>\n<\/li>\n<li>\n<p>is in the interest of the policyholders;<\/p>\n<\/li>\n<li>\n<p>is conducive for the orderly growth of the industry;<\/p>\n<\/li>\n<li>\n<p>will promote increase in insurance penetration in the country;<\/p>\n<\/li>\n<li>\n<p>bring in efficiency in insurance business;<\/p>\n<\/li>\n<li>\n<p>promotes ease of doing insurance business.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li>\n<p style=\"font-weight: bold;\">Revocation of permission:<\/p>\n<ul style=\"list-style-type: disc;\">\n<li>\n<p>If the activities carried out does not fulfill the eligibility criteria;<\/p>\n<\/li>\n<li>\n<p>If the activities are in violation of:<\/p>\n<ul style=\"list-style-type: circle;\">\n<li>\n<p><a href=\"https:\/\/www.scconline.com\/DocumentLink.aspx?q=JTXT-0002817005\" target=\"_blank\">Insurance Act, 1938<\/a><\/p>\n<\/li>\n<li>\n<p>IRDAI Act, 1999<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p style=\"font-style: italic;\">No relaxations will be granted in respect of compliance with <a href=\"https:\/\/www.scconline.com\/DocumentLink.aspx?q=JTXT-0002817005\" target=\"_blank\">Insurance Act, 1938<\/a> and IRDAI Act, 1999.<\/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":[66813,42075,30844,38153],"class_list":["post-338836","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legislationupdates","category-rules_regulations","tag-insurance-regulatory-and-development-authority-of-india","tag-irdai","tag-regulations","tag-regulatory-sandbox"],"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 (Regulatory Sandbox) Regulations, 2025 | SCC Times<\/title>\n<meta name=\"description\" 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