<h1>Legal risks for fintech health-insurance marketplaces: advertising accuracy, IRDAI marketing/disclosure compliance, data privacy, agent licensing, consumer misrepresentation liability</h1> A fintech marketplace promotes transparent, tech-driven health insurance distribution, touting rapid cashless claims, insurer partnerships above an 80% claim-settlement metric, wellness incentives, and AI plan suggestions. Legally relevant issues include potential regulatory scrutiny for advertising and accuracy of performance claims, compliance with insurance regulator (IRDAI) marketing and disclosure rules, data-privacy and consent obligations for health data used in rewards/AI, licensing and conduct duties of point-of-sale agents, and possible consumer-protection exposure if promised benefits or metrics are misleading. Forward-looking growth targets and aggregated metrics should be substantiated to avoid liability for misrepresentation.