IRDAI – Constitution of Insurance Advisory Committee – Sub-committee on Health Insurance

The Insurance Regulatory and Development Authority of India (“ IRDAI/ Authority” ) has issued a Press Release dated April 7, 2026 (“ Press Release ”), regarding the constitution of the Insurance Advisory Committee – Sub Committee on Health Insurance.

The key highlights of the Press Release are as follows:

• The sub-committee has been constituted as part of IRDAI’s initiatives to improve policyholder experience and enhance penetration of health insurance and will review the current landscape of private health insurance in India including coverage, penetration, claims experience, product design, grievance redressal and consumer experience.
• The sub-committee is constituted to recommend on regulatory, policy and operational measures to promote innovation, wider coverage, better risk pooling and improved financial protection through health insurance, with emphasis on strengthening trust and overall consumer experience.
• The sub-committee will examine the role of healthcare provider networks, hospital tariffs, fraud control and digital systems in improving value for policyholders and reducing administrative inefficiencies.
• The sub-committee will further review the interaction between private health insurance and public health insurance/assurance schemes, including opportunities for complementarity, portability and convergence, wherever appropriate.
• The sub-committee will additionally review and incorporate recommendations emerging from working groups constituted by the Confederation of Indian Industry (“ CII ”). Such recommendations include, inter alia, a joint code of conduct for insurers and healthcare providers, methodology for commercial engagements and provider classification, adoption and scaling up of the National Health Claims Exchange (” NHCX “), analytical studies on claims trends and medical inflation, and development of a framework for a basic health insurance product.

The sub-committee will additionally review and incorporate recommendations emerging from working groups constituted by the Confederation of Indian Industry (“ CII ”). Such recommendations include, inter alia, a joint code of conduct for insurers and healthcare providers, methodology for commercial engagements and provider classification, adoption and scaling up of the National Health Claims Exchange (” NHCX “), analytical studies on claims trends and medical inflation, and development of a framework for a basic health insurance product.

A copy of the Press Release has been attached herewith for your ready reference.

Source category: IRDAI

Attachments

• Constitution of Insurance Advisory Committee – Sub-committee on Health Insurance