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IRDAI has made it mandatory for all health insurers to adopt a standard claim form by August 2025. The move aims to simplify the claims process for policyholders.
The Insurance Regulatory and Development Authority of India (IRDAI) has announced a major change that will impact every health insurance user in the country.
Starting August 2025, all health insurers — public and private — will be required to adopt a uniform health insurance claim form. Whether it’s a cashless claim or a reimbursement, customers will now deal with just one standard format across all companies.
Until now, each insurer had their own version of the claim form. Some were lengthy, overly technical, or available only in English. This led to:
With this new mandate, every insurer will use the same form — clear, structured, and easier to understand.
This reform is part of IRDAI’s broader goal under its “Insurance for All by 2047” initiative, aimed at simplifying insurance access and claims across India.
This change could be a game-changer for:
It also lays the groundwork for faster digital claims processing, as structured forms make automation and backend integration much easier.
Health insurance claims often feel more stressful than hospital visits themselves. People worry about which form to use, what documents to attach, and whether they’ve made a mistake.
With this uniform claim form, the guesswork disappears.
Whether you’re filing for a ₹5,000 hospital stay or a ₹5 lakh surgery, the process becomes simpler, faster, and more transparent.
Filing a health insurance claim in India is about to get a lot easier.
Thanks to IRDAI’s bold move, one common, multilingual, user-friendly form will now serve all health insurance customers — reducing confusion and making claims less of a headache.
It’s a small form — but a giant leap toward better healthcare accessibility for every Indian.