{"id":4616,"date":"2020-10-09T09:02:33","date_gmt":"2020-10-09T09:02:33","guid":{"rendered":"https:\/\/signdesk.com\/in\/?p=4616"},"modified":"2025-09-17T07:07:35","modified_gmt":"2025-09-17T12:37:35","slug":"irdai-allows-electronic-health-policies","status":"publish","type":"post","link":"https:\/\/melento.ai\/en-in\/blog\/irdai-allows-electronic-health-policies","title":{"rendered":"IRDAI Allows Electronic Health Policies &#038; OTP-based Consent For Proposal Forms"},"content":{"rendered":"<h2><span style=\"color: #008000;\"><strong><a style=\"color: #008000;\" href=\"https:\/\/melento.ai\/en-in\/blog\/irdai-officially-announces-vbip\">VBIP<\/a> &amp; the trend of digitization<\/strong><\/span><\/h2>\n<p><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans'; color: #333300;\">Following landmark guidelines regarding <strong><a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/rbi-permits-use-of-video-kyc-authentication\">video KYC<\/a><\/strong> from RBI, regulatory bodies in several sectors have followed suit and envisaged <strong><a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/irdai-officially-announces-vbip\">video-based onboarding<\/a><\/strong> and KYC verification methods for businesses in their respective sectors. <\/span><\/p>\n<p><span style=\"color: #333300;\"><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\">SEBI has instituted <\/span><a href=\"https:\/\/melento.ai\/en-in\/blog\/sebi-notification-now-allows-paperless-investor-onboarding\"><span style=\"font-size: 16px; font-family: 'open sans';\"><strong>Video In-Person Verification<\/strong><\/span><\/a><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"> (VIPV) for investor onboarding and IRDAI has followed through with a <\/span><a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/what-does-irdai-vbip-mean-for-insurers\"><span style=\"font-size: 16px; font-family: 'open sans';\"><strong>Video-based Identification Process<\/strong><\/span><\/a><\/span><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"> (VBIP) for all general, life, and standalone health insurers, and <\/span><strong><a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/irdai-allows-ekyc-for-insurance-companies\"><span style=\"font-size: 16px; font-family: 'open sans';\">eKYC<\/span><\/a><\/strong><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"> for select insurance companies.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans'; color: #333300;\">In the most recent push for total digitization, <strong><a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/why-you-should-be-onboarding-customers-with-video-kyc\">IRDAI<\/a><\/strong> has issued a circular permitting all general and health insurers to issue electronic health policies and allow customers to consent to proposal forms using digital OTP-based methods.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans'; color: #333300;\">IRDAI has also stated that insurers will be allowed to use these digitized methods to issue policies and obtain signatures until 31\/3\/2021, indicating that this is something of a trial run intended to gauge the effects of digitization on the <a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/digitise-insurance-documentation\">insurance sector<\/a>.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans'; color: #333300;\">So what are the steps that insurers must follow to issue electronic policies?<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4627 aligncenter\" src=\"https:\/\/melento.ai\/en-in\/blog\/wp-content\/uploads\/2020\/10\/IRDAI-Allows-Electronic-Health-Policies-OTP-based-Consent-For-Proposal-Forms-01-1-1-1-1.jpg\" alt=\"IRDAI-VBIP\" width=\"1000\" height=\"454\" \/><\/p>\n<h2><span style=\"color: #008000;\"><strong>Rules for issuing electronic health <a style=\"color: #008000;\" href=\"https:\/\/melento.ai\/en-in\/digitise-insurance-documentation\">insurance<\/a> policies<\/strong><\/span><\/h2>\n<p><span style=\"color: #333300;\"><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\">According to its <\/span><a style=\"color: #333300;\" href=\"https:\/\/www.irdai.gov.in\/ADMINCMS\/cms\/whatsNew_Layout.aspx?page=PageNo4240&amp;flag=1\"><span style=\"font-size: 16px; font-family: 'open sans';\"><strong>circular<\/strong><\/span><\/a><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\">, IRDAI has codified the regulations concerning electronic policies as follows.\u00a0<\/span><\/span><\/p>\n<ul>\n<li style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"><span style=\"font-weight: 400; color: #333300;\">Insurers must first obtain consent from the policyholder to send policy documents and proposal forms using digital methods<\/span><\/li>\n<li style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans'; color: #333300;\">Once consent has been obtained, a digital version of the policy documents and a copy of the proposal form will be sent to the policy holder&#8217;s registered email ID or mobile number<\/span><\/li>\n<li style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans'; color: #333300;\">The policyholder will simultaneously be informed via SMS that the policy documents and proposal form have been sent digitally\u00a0<\/span><\/li>\n<li style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans'; color: #333300;\">Insurers must institute a mechanism to confirm that the documents have been successfully delivered to the policyholder and also obtain due confirmation from the policyholder<\/span><\/li>\n<li style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans'; color: #333300;\">A record of the mechanism used to deliver the policy documents electronically must be maintained and preserved<\/span><\/li>\n<li style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans'; color: #333300;\">The policy documents sent digitally must contain all the schedules, terms and conditions, and benefits that constitute the physical version of the same document\u00a0<\/span><\/li>\n<li style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans'; color: #333300;\">Along with these documents, the policyholders must also be informed that the printing and delivery of physical versions of the <a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/digitise-insurance-documentation\">digital documents<\/a> will be delayed due to operational difficulties in the wake of the COVID-19 pandemic<\/span><\/li>\n<li style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans'; color: #333300;\">The electronic policy document shall be seen as equivalent to and as valid as the same document&#8217;s physical version. Physical copies of the policy documents shall be made available to the policyholder wherever necessary<\/span><\/li>\n<li style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans'; color: #333300;\">If policy documents or proposal forms cannot be sent electronically, they shall be made available physically to the policyholder<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans'; color: #333300;\">In addition to these regulations,<a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/how-irdai-now-allows-end-to-end-digital-insurance-policy-dispensation\"><strong> IRDAI<\/strong><\/a> has also instituted new regulations that dispense with wet signatures for proposal forms and allow policyholders to provide consent using digital OTP-based methods.<\/span><\/p>\n<h2><span style=\"color: #008000;\"><strong>OTP-based consent for proposal forms<\/strong><\/span><\/h2>\n<p><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"><a href=\"https:\/\/melento.ai\/en-in\/blog\/how-irdai-now-allows-end-to-end-digital-insurance-policy-dispensation\"><span style=\"color: #333300;\"><strong>IRDAI<\/strong><\/span><\/a><span style=\"color: #333300;\"><strong>,<\/strong> in the same circular, has allowed insurers to obtain OTP-based consent on proposal forms from customers. This method is subject to the following regulations.\u00a0<\/span><\/span><\/p>\n<ul>\n<li style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans'; color: #333300;\">The completed proposal form is to be sent to the prospective customer digitally to his or her registered email ID or mobile number in the form of a link<\/span><\/li>\n<li style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans'; color: #333300;\">If the customer wishes to consent to the proposal form, he or she will be allowed to do so using a confirmation link, or through an OTP that&#8217;s duly validated<\/span><\/li>\n<li style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans'; color: #333300;\">The insurers must maintain verifiable and legally valid evidence that consent has been obtained for the proposal form\u00a0<\/span><\/li>\n<li style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans'; color: #333300;\">Insurers shall be responsible for authenticating the customer&#8217;s email ID or mobile number through de-duplication of data or other such means<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #333300;\"><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\">These regulations appear to indicate that customers can provide consent to insurance proposal forms through OTP-based <a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/esign-faqs\">Aadhaar eSign<\/a> or <a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/aadhaar-digital-signature\">digital signatures<\/a>, as these are both<\/span><strong><a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/esign-validity-esign-legally-valid-india-2\"><span style=\"font-size: 16px; font-family: 'open sans';\"> legally valid and verifiable evidence<\/span><\/a><\/strong><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"> for consent according to the <a style=\"color: #333300;\" href=\"https:\/\/www.meity.gov.in\/content\/information-technology-act-2000\">IT Act (2000)<\/a>.<\/span><\/span><\/p>\n<h2><span style=\"color: #008000;\"><strong>What does this mean for <a style=\"color: #008000;\" href=\"https:\/\/melento.ai\/en-in\/digitise-insurance-documentation\">insurers<\/a> and policyholders?\u00a0<\/strong><\/span><\/h2>\n<p><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans'; color: #333300;\">IRDAI states at the beginning of its circular that the provisions for electronic health policies and OTP-based consent are a response to insurers collectively requesting to be exempt from issuing physical forms and documents.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans'; color: #333300;\">This request comes in the wake of the COVID-19 pandemic, and thus hints at the benefits that insurers expect from the digitization of insurance documents.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans'; color: #333300;\">The benefits that both insurance providers and policyholders can expect from this circular are as follows.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"><span style=\"color: #333300;\"><b>Reduced documentation costs<\/b><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans'; color: #333300;\">Digitizing documents has allowed other sectors, such as the financial sector, to reduce costs by up to 90%. Insurers can expect the same benefits by digitizing policy documents.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"><span style=\"color: #333300;\"><b>Faster issuance of policies\u00a0<\/b><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans'; color: #333300;\">Digitized policies can be sent faster than physical copies of the same, allowing insurers to send out more policies and customers to receive policies faster. Digitizing documents and signatures has allowed banks to increase efficiency by 20%, and insurers can look forward to similar advantages.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"><span style=\"color: #333300;\"><b>Remote document delivery\u00a0<\/b><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans'; color: #333300;\">Documents can be delivered electronically, removing the need for physical interactions and ensuring the safety of both insurance representatives and customers. This is especially prescient given the ongoing COVID-19 pandemic.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"><span style=\"color: #333300;\"><b>Faster proposal acceptance\u00a0<\/b><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans'; color: #333300;\">By envisaging an electronic OTP-based form of consent, IRDAI has allowed customers to accept proposal forms faster, using just a device with an internet connection. Documents don&#8217;t need to be physically transported back and forth from insurers to the customer, and customers can accept proposals from the comfort of their homes. This also goes a long way in ensuring the safety of all stakeholders involved.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"><span style=\"color: #333300;\"><b>Better safety standards\u00a0<\/b><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans'; color: #333300;\">Both digital documents and electronic consent ensure the safety of everyone involved. Remote and digital documentation is the need of the hour, as <a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/what-does-irdai-vbip-mean-for-insurers\">IRDAI<\/a> hints to in its circular, and will encourage more people to obtain insurance. Additionally, the most vulnerable people who are in dire need of insurance policies can obtain policy documents and consent to proposal forms without having to step outside.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"><span style=\"color: #333300;\"><b>More policies for more people\u00a0<\/b><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans'; color: #333300;\"><a style=\"color: #333300;\" href=\"https:\/\/signdesk.com\/\">Digital documents<\/a> allow insurers to increase their reach and penetrate more markets since the availability of physical means of document transport is no longer a factor with electronic documentation. This will allow more people to access insurance policies and allow insurers to sell more policies.<\/span><\/p>\n<h2><span style=\"color: #008000;\"><strong>Trusted and award-winning <a style=\"color: #008000;\" href=\"https:\/\/signdesk.com\/\">digital documentation<\/a><\/strong><\/span><\/h2>\n<p><span style=\"color: #333300;\"><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\">Suppose you&#8217;re an insurer looking to digitize your documents and provide your customers with the much-needed facility to receive and consent to these <a style=\"color: #333300;\" href=\"https:\/\/signdesk.com\/\">electronic documents<\/a>. In that case, you can&#8217;t do better than <\/span><a style=\"color: #333300;\" href=\"https:\/\/signdesk.com\/\"><span style=\"font-size: 16px; font-family: 'open sans';\"><strong>Melento (Formerly SignDesk)<\/strong><\/span><\/a><span style=\"font-size: 16px; font-family: 'open sans';\">!<\/span><\/span><\/p>\n<p><span style=\"color: #333300;\"><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\">We&#8217;re an <\/span><a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/awards\"><span style=\"font-size: 16px; font-family: 'open sans';\"><strong>award-winning<\/strong><\/span><\/a><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"> provider of digitized documentation solutions trusted by 350+ clients, including 50+ major banks and several other businesses.\u00a0<\/span><\/span><\/p>\n<p><span style=\"color: #333300;\"><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\">Our <\/span><a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/esign-workflow\"><span style=\"font-size: 16px; font-family: 'open sans';\"><strong>electronic signature product<\/strong><\/span><\/a><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans';\"> supports both<a style=\"color: #333300;\" href=\"https:\/\/melento.ai\/en-in\/blog\/esign-faqs\"> Aadhaar eSign<\/a> and digital signatures, is secured using industry-grade cryptographic algorithms, and provides document templates to automate document creation!\u00a0<\/span><\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans'; color: #333300;\">Our solutions allow insurers to create electronic policy documents quickly, send them remotely to customers, obtain consent, and leave a virtual paper trail to maintain records of all transactions.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 16px; font-family: 'open sans'; color: #333300;\">Are you ready to experience the benefits of entirely <a style=\"color: #333300;\" href=\"https:\/\/signdesk.com\/\">digital documents<\/a>? Book a demo with us now to get started!<\/span><\/p>\n<div align=\"center\"><a href=\"#name\"><button class=\"wpcf7-form-control wpcf7-submit envor-btn envor-btn-primary envor-btn-normal\" type=\"button\"><strong>Book a Free Demo<\/strong><\/button><\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>VBIP &amp; the trend of digitization Following landmark guidelines regarding video KYC from RBI, regulatory bodies in several sectors have followed suit and envisaged video-based onboarding and KYC verification methods for businesses in their respective sectors. SEBI has instituted Video In-Person Verification (VIPV) for investor onboarding and IRDAI has followed through with a Video-based Identification [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":6021,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page_templates\/blog-new-3.php","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[22],"tags":[52,564,567,642,647,648,824,861,981,1241,2320,2368,2373,2376,2400],"class_list":["post-4616","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-video-kyc","tag-aadhaar-esign","tag-digital-documentation","tag-digital-documents","tag-digitalkyc","tag-digitization","tag-digitization-of-insurance-documents","tag-ekyc","tag-electronic-signature-product","tag-esign","tag-health-insurance-onboarding","tag-vbip","tag-video-based-identification-process","tag-video-kyc","tag-video-kyc-for-insurance","tag-video-based-onboarding"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.1.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>IRDAI Allows Electronic Health Policies &amp; OTP-based Consent Forms<\/title>\n<meta name=\"description\" content=\"IRDAI has allowed insurers to issue electronic policies &amp; obtain remote consent for proposals. 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