{"id":2963,"date":"2023-06-23T17:39:40","date_gmt":"2023-06-23T12:09:40","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=2963"},"modified":"2023-06-23T18:03:51","modified_gmt":"2023-06-23T12:33:51","slug":"irdai-guidelines-group-ulips-and-combi-plans-without-prior-approval","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/irdai-guidelines-group-ulips-and-combi-plans-without-prior-approval\/","title":{"rendered":"IRDAI Allows Insurance Companies to Launch Group Ulips and Combi plans Without Prior Approval"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/irdai-guidelines-group-ulips-and-combi-plans-without-prior-approval\/#Use_and_file_system\" >Use and file system<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/irdai-guidelines-group-ulips-and-combi-plans-without-prior-approval\/#Benefits_of_the_New_Norms\" >Benefits of the New Norms\u00a0<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/irdai-guidelines-group-ulips-and-combi-plans-without-prior-approval\/#Bottom_Line\" >Bottom Line<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p><span style=\"font-weight: 400;\">As per IRDAI guidelines, life insurance companies can now offer individual and group unit-linked life under File and Use system. Life insurance companies have also been allowed to offer combi plans of life and health insurance plans without the need for prior approval from the regulator. This recent update is an expansion of the scope of the file and use procedure by including additional categories of life insurance products.<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-2964 aligncenter\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/06\/Group-ULIPs-and-Combi-Plans-Now-Without-Prior-Approval.png\" alt=\"Group ULIPs and Combi Plans Now Without Prior Approval\" width=\"1920\" height=\"1080\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/06\/Group-ULIPs-and-Combi-Plans-Now-Without-Prior-Approval.png 1920w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/06\/Group-ULIPs-and-Combi-Plans-Now-Without-Prior-Approval-300x169.png 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/06\/Group-ULIPs-and-Combi-Plans-Now-Without-Prior-Approval-1024x576.png 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/06\/Group-ULIPs-and-Combi-Plans-Now-Without-Prior-Approval-150x84.png 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/06\/Group-ULIPs-and-Combi-Plans-Now-Without-Prior-Approval-768x432.png 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/06\/Group-ULIPs-and-Combi-Plans-Now-Without-Prior-Approval-1536x864.png 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Earlier, the file and use rules only covered individual unit-linked insurance plans (<a href=\"https:\/\/www.insurancesamadhan.com\/blog\/faqs-on-unit-linked-insurance-plans-in-india\/\">ULIPs<\/a>) available with approved funds. Group ULIPs and Combi Plans were not included in this process. With this new update, the insurer will get a lot of flexibility as they can now introduce innovative products in the market while ensuring a competitive advantage. The insurance industry is growing quickly in India as more and more people are getting aware and IRDAI is taking proactive steps to support Insurance Industry with speed and flexibility.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It is a great opportunity for the insurance industry that will allow insurers to introduce customized and innovative products and expand the choices for policyholders, addressing the evolving market needs.<\/span><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Use_and_file_system\"><\/span><strong>Use and file system<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Under the use and file system, insurance companies are allowed to promote and sell products without prior approval from the regulator. This supports the insurance industry in launching products at a fast pace.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The scope of the file and use system has been further supplemented by adding two new categories i.e\u00a0<\/span><\/p>\n<p><b>Group Ulips: <\/b><span style=\"font-weight: 400;\">Saving linked products to be offered to a group where saving corpus will be used in market-linked instruments and policyholders would accumulate units with NAV.<\/span><\/p>\n<p><b>Combi Plans: <\/b><span style=\"font-weight: 400;\">Here, term and health insurance can be paired together, giving a comprehensive solution for policyholders.<\/span><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Benefits_of_the_New_Norms\"><\/span><strong>Benefits of the New Norms\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Insurance Companies can offer product solutions as per market dynamics and prospects will have better options.<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Bottom_Line\"><\/span><strong>Bottom Line<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">The Indian insurance market is seeing regular changes and is one of the fastest-growing markets today. The government has big plans for the market; thus, we will keep on seeing new updates in this journey that will increase insurance penetration in the country.<\/span><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><strong>Click here<\/strong><\/a>\u00a0to register your complaint with Insurance Samadhan<\/p>\n<p>You can also<\/p>\n<p>Visit our website:\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/\">insurancesamadhan.com<\/a><\/p>\n<p>Call us on +91 9513631312<\/p>\n<p>WhatsApp:\u00a0<a href=\"https:\/\/api.whatsapp.com\/send?phone=+919910998252&amp;text=Hi\">\u00a09910998252<\/a><\/p>\n<p>Mail us at\u00a0<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\",\n  \"@type\": \"Article\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.insurancesamadhan.com\/blog\/irdai-guidelines-group-ulips-and-combi-plans-without-prior-approval\/\"\n  },\n  \"headline\": \"IRDAI Guidelines: Group ULIPs and Combi Plans Now Without Prior Approval\",\n  \"description\": \"Discover the Latest IRDAI Guidelines: Launch Group ULIPs and Combi Plans Without Prior Approval, Expanding Insurance Choices and Innovations.\",\n  \"image\": {\n    \"@type\": \"ImageObject\",\n    \"url\": \"https:\/\/i0.wp.com\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/06\/Group-ULIPs-and-Combi-Plans-Now-Without-Prior-Approval.png?resize=768%2C432&ssl=1\",\n    \"width\": \"1920\",\n    \"height\": \"1080\"\n  },\n  \"author\": {\n    \"@type\": \"Person\",\n    \"name\": \"Shikhar Vashisht\"\n  },\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Insurance Samadhan\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/insurancesamadhan.com\/images\/logo.svg\",\n      \"width\": \"224\",\n      \"height\": \"47\"\n    }\n  },\n  \"datePublished\": \"2023-06-23\",\n  \"dateModified\": \"2023-06-23\"\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>As per IRDAI guidelines, life insurance companies can now offer individual and group unit-linked life under File and Use system. Life insurance companies have also been allowed to offer combi plans of life and health insurance plans without the need&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/irdai-guidelines-group-ulips-and-combi-plans-without-prior-approval\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":12,"featured_media":2965,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[310],"tags":[],"class_list":["post-2963","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-irdai"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>IRDAI Guidelines: Group ULIPs and Combi Plans Now Without Prior Approval<\/title>\n<meta name=\"description\" content=\"Discover the Latest IRDAI Guidelines: 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