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    <description>IRDA directed insurers to permit entry of older applicants up to a specified upper age, to avoid any contractual exit age that would deny coverage due to age, to communicate any denial in writing with recorded reasons, and to charge premiums to senior citizens that are fair, justified, transparent and disclosed up front. It also required a dedicated grievance channel for senior health-insurance complaints and incorporated these protections into product-approval guidance for general insurers.</description>
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