https://www.coveryou.in/blog/do-the-masters-of-precision-skill-surgeons-require-professional-indemnity/

New rules implemented by IRDAI for health insurance in India, especially for doctors in June 2024

The Indian Insurance Regulatory and Development Authority (IRDAI) has implemented several new rules for health insurance in India, particularly for doctors, in June 2024.

These rules aim to enhance the safety and security of doctors and improve the overall healthcare system. Here are some of the key changes:

Increased Coverage for Pre-Existing Conditions:
IRDAI has increased the coverage for pre-existing conditions, allowing doctors to receive treatment for conditions they have been suffering from for up to 48 months prior to the effective date of the policy

New Benefits for Cancer Care:
IRDAI has introduced new benefits for cancer care, including genetic testing for BRCA1 and BRCA2 genes, mastectomy, oophorectomy, and colectomy surgery.
Increased Limits for Well-Child Benefit:
IRDAI has increased the limits for the well-child benefit, allowing doctors to provide better care for children.

Changes to Moratorium Underwriting:
IRDAI has changed the moratorium underwriting process, allowing doctors to qualify for cover for pre-existing medical conditions after only 2 years of not having treatment.

Portability of Health Insurance Policies:
IRDAI has introduced portability of health insurance policies, allowing doctors to transfer the credit gained for pre-existing conditions and time-bound exclusions from one insurer to another.

Increased Transparency:
IRDAI has increased transparency in health insurance policies, providing doctors with clear information about the coverage and exclusions.

Improved Patient-Doctor Communication:
IRDAI has emphasized the importance of patient-doctor communication, encouraging doctors to maintain open and honest communication with their patients.

Enhanced Security Measures:
IRDAI has implemented enhanced security measures to protect doctors and patients, including the use of secure communication channels and data encryption.

Increased Funding for Healthcare:
IRDAI has increased funding for healthcare, providing more resources for doctors and hospitals to improve healthcare services.

Improved Regulatory Framework:
IRDAI has improved the regulatory framework for health insurance, providing a more robust and effective framework for regulating health insurance companies.

These changes aim to enhance the safety and security of doctors, improve patient-doctor communication, and increase transparency in health insurance policy.