<h1>IRDAI Master Circular on Health Insurance Reshapes Employer Group Policies, Portability, and Coverage for Pre-Existing Conditions</h1> Recent directions by the Insurance Regulatory and Development Authority of India consolidate health insurance rules into a master circular, materially impacting employer-provided group health policies. Insurers are directed to provide clearer disclosure of benefits and exclusions, improve claim processing timelines, and issue concise customer information sheets, aiding employees' understanding of coverage limits and waiting periods. The framework strengthens continuity rights, enabling portability of waiting period credits and bonuses when shifting between insurers or from group to individual policies. It also pushes broader inclusion of pre-existing conditions, mental health, chronic illnesses, disabilities, and diverse treatments, prompting employers and HR teams to revisit plan design, communication practices, and supplementary cover options.