Available Products - Policy Holder
In order to ensure that the insurance products offered by the insurers are of value to the policyholder and that their pricing is appropriate and fair between the insurer and the insured, IRDAI insists on the requirements of filing of insurance products under File & Use guidelines before selling any life/general insurance product in the Indian market. As per the File & Use guidelines, the insurer needs to justify the rates, terms and conditions of insurance policy to be offered while filing the product with IRDAI. The insurer is not permitted to offer any product for sale until IRDAI confirms in writing that it has no further queries in respect of that product. Here is the list of products offered by various insurance companies that were given clearance under File & Use procedures by IRDAI.