IRDAI OTP Rules for Insurance Apps
IRDAI OTP rules for insurance apps in India: digital onboarding, claims, nominee changes, e-policy issuance, and audit-grade record-keeping requirements.
StartMessaging Team
Engineering
IRDAI’s digital-self-service framework places OTP at the centre of customer authentication for insurance apps. Whether issuing a new policy or processing a claim, OTP gates the change and produces the audit trail.
Overview
- Phone-OTP for digital onboarding.
- Aadhaar-OTP for KYC.
- Fresh OTP for policy modifications.
- OTP-gated claims for low-value claims.
Digital Onboarding
IRDAI permits OTP-based digital onboarding for term, motor and health policies up to specified thresholds. Above threshold, video KYC is required.
Policy Modifications
- Nominee change — fresh OTP, audited.
- Sum-assured change — OTP + cooling-off period.
- Address change — OTP + transactional confirmation SMS.
- Bank account change — OTP + penny-drop verification.
Claims OTP Requirements
- Low-value motor / health — OTP-only intimation.
- High-value — OTP + document upload + video KYC.
- Disbursement — bank-issued OTP + UTR confirmation SMS.
Audit Retention
Minimum 8 years post policy end. Retained per (policyId, event, OTPrequestId, timestamp, status).
FAQ
StartMessaging handles application OTP and confirmation SMS for insurance apps, separate from the UIDAI Aadhaar-OTP path.
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