40-data/regulatory_urls.md

Regulatory PDFs — Indian Health Insurance

Summary. Found 16 high-leverage regulatory documents across the 5 categories: 6 master regulations / circulars (Category 1), 2 definitions / CIS docs (Category 2), 3 standardised-product guidelines (Category 3), 3 claim-service / ombudsman docs (Category 4), and 2 government tax / public-scheme docs (Category 5). Easiest category was Category 1 (IRDAI Master Circulars are well-indexed). Hardest was Category 5 — Section 80D doesn't have a standalone PDF on incometaxindia.gov.in (the section is rendered as HTML inside the consolidated bare-act page), and the CBIC GST exemption for individual life/health (eff. 22 Sep 2025) is currently fronted by FAQ PDFs from DFS rather than a standalone CBIC notification PDF that's directly linkable. URLs were sourced via Google's index of IRDAI's official document portal (irdai.gov.in/documents/..., policyholder.gov.in/documents/...), India Code (indiacode.nic.in), NHA (nha.gov.in), DFS (financialservices.gov.in), and CBIC (cbic-gst.gov.in). Note: irdai.gov.in returns HTTP 403 to plain curl HEAD requests (Akamai bot challenge) — these are real PDFs (confirmed via Google's PDF index showing first-page text); the downloader needs a browser-shaped session (UA + Referer + cookie warmup, or headless browser) to fetch them. No archive.org mirrors were needed; every URL below is a primary government source.

doc_slug	doc_name	category	issuing_body	publish_year	doc_type	url	notes
irdai-master-circular-health-2024	Master Circular on Health Insurance Business (English)	master_regulation	IRDAI	2024	master_circular	https://irdai.gov.in/documents/37343/991022/%E0%A4%B8%E0%A5%8D%E0%A4%B5%E0%A4%BE%E0%A4%B8%E0%A5%8D%E0%A4%A5%E0%A5%8D%E0%A4%AF+%E0%A4%AC%E0%A5%80%E0%A4%AE%E0%A4%BE+%E0%A4%B5%E0%A5%8D%E0%A4%AF%E0%A4%B5%E0%A4%B8%E0%A4%BE%E0%A4%AF+%E0%A4%AA%E0%A4%B0+%E0%A4%AE%E0%A4%BE%E0%A4%B8%E0%A5%8D%E0%A4%9F%E0%A4%B0+%E0%A4%AA%E0%A4%B0%E0%A4%BF%E0%A4%AA%E0%A4%A4%E0%A5%8D%E0%A4%B0-%E0%A4%85%E0%A4%82%E0%A4%97%E0%A5%8D%E0%A4%B0%E0%A5%87%E0%A4%9C%E0%A5%80+_+Master+Circular+on+Health+Insurance+Business+-English.pdf/08a32828-dc1d-116f-0549-6db86d448651?version=1.0&t=1719833433399&download=true	IRDAI Ref: IRDAI/HLT/REG/CIR/106/05/2024, 29 May 2024. Single most important file — consolidates 55 health circulars. English version.
irdai-master-circular-health-annexure-2024	Annexure to Master Circular on Health Insurance Business (CIS, claim forms, formats)	master_regulation	IRDAI	2024	master_circular_annexure	https://irdai.gov.in/documents/37343/991022/%E0%A4%B8%E0%A5%8D%E0%A4%B5%E0%A4%BE%E0%A4%B8%E0%A5%8D%E0%A4%A5%E0%A5%8D%E0%A4%AF+%E0%A4%AC%E0%A5%80%E0%A4%AE%E0%A4%BE+%E0%A4%B5%E0%A5%8D%E0%A4%AF%E0%A4%B5%E0%A4%B8%E0%A4%BE%E0%A4%AF+%E0%A4%AA%E0%A4%B0+%E0%A4%AE%E0%A4%BE%E0%A4%B8%E0%A5%8D%E0%A4%9F%E0%A4%B0+%E0%A4%AA%E0%A4%B0%E0%A4%BF%E0%A4%AA%E0%A4%A4%E0%A5%8D%E0%A4%B0+29052024+%E0%A4%95%E0%A4%BE+%E0%A4%85%E0%A4%A8%E0%A5%81%E0%A4%AC%E0%A4%82%E0%A4%A7+_+Annexure+to+Master+circualr+on+Health+Insurance+Business+29052024.pdf/e65501d8-2731-6f5c-aaed-658f961289e1?version=2.0&t=1717051485494	Contains standardised CIS template, claim form formats, prospectus template — bundled with the Master Circular.
irdai-health-insurance-regulations-2016	IRDAI (Health Insurance) Regulations, 2016	master_regulation	IRDAI / Gazette of India	2016	regulation	https://www.indiacode.nic.in/ViewFileUploaded?path=AC_CEN_2_33_00044_193804_1523351752525%2Fregulationindividualfile%2F&file=irdai_%28health_insurance%29_regulations%2C_2016.pdf	Hosted on India Code (indiacode.nic.in) — Ministry of Law & Justice repository. Gazetted 12 Jul 2016. Base regulation for all health products.
irdai-master-circular-protection-policyholders-2024	Master Circular on Protection of Policyholders' Interests, 2024	master_regulation	IRDAI	2024	master_circular	https://irdai.gov.in/document-detail?documentId=5625747	Ref: IRDAI/PP&GR/CIR/MISC/117/9/2024, 5 Sep 2024. Replaces 30 earlier circulars on free-look, refunds, claims, policy servicing. Document-detail page — downloader follows the PDF link inside.
irdai-protection-policyholders-regulations-2017	IRDAI (Protection of Policyholders' Interests) Regulations, 2017	master_regulation	IRDAI	2017	regulation	https://irdai.gov.in/documents/37343/366405/IRDAI+(Protection+of+Policyholders%E2%80%99+Interests)+Regulations,+2017.pdf/d381555f-cb66-81b4-64d9-33c50b83cd99?version=1.0&t=1631530671495&download=true	Predecessor regulation, still authoritative for pre-2024 contracts and as legal-history context.
irdai-master-circular-standardisation-health-products-2020	Master Circular on Standardization of Health Insurance Products	master_regulation	IRDAI	2020	master_circular	https://irdai.gov.in/documents/37343/366029/Master+Circular+on+Standardization+of+Health+Insurance+Products.pdf/40548736-71a8-1b76-e28d-0df899407e1e?version=1.2&t=1665033878433&download=true	Ref: IRDAI/HLT/REG/CIR/193/07/2020, 22 Jul 2020. Single consolidated source for 42+ standard definitions, mandatory/non-mandatory exclusions, modern-treatment list. Critical for chatbot grounding.
irdai-standardisation-exclusions-2019	Guidelines on Standardization of Exclusions in Health Insurance Contracts	definitions_exclusions	IRDAI	2019	guideline	https://irdai.gov.in/document-detail?documentId=393676	Ref: IRDAI/HLT/REG/CIR/177/09/2019, 27 Sep 2019. Contains list of permanent-exclusion diseases (Ch. IV) + prohibited exclusions + standard wordings (Ch. III).
irdai-modification-standardisation-2020	Modification to Guidelines on Standardization in Health Insurance	definitions_exclusions	IRDAI	2020	guideline	https://irdai.gov.in/documents/37343/366029/Modification+guidelines+on+standardization+in+health+insurance.pdf/e83cca49-fd1d-e422-9291-310f2a070a15?version=1.0&t=1631531343172&download=true	Adds Migration (cl. 45) and Portability (cl. 46) definitions to the standard 42 terms.
irdai-consolidated-product-filing-health-2020	Consolidated Guidelines on Product Filing in Health Insurance Business	master_regulation	IRDAI	2020	guideline	https://irdai.gov.in/documents/37343/366029/Consolidated+Guidelines+on+Product+filing+in+Health+Insurance+Business.pdf/8eb75be8-5920-eb17-c6df-12cc2831c099?version=1.2&t=1665034065397&download=true	Ref: IRDAI/HLT/REG/CIR/194/07/2020. Companion to the 193/07/2020 master circular — defines CIS revisions and product-design rules.
irdai-arogya-sanjeevani-policy	Arogya Sanjeevani Policy — IRDAI Standard Individual Health Product	standardised_product	IRDAI	2020	product_guideline	https://irdai.gov.in/web/guest/document-detail?documentId=695486	IRDAI page hosting the standard product wording PDFs (mandatory for all general + standalone health insurers since Apr 2020).
irdai-saral-suraksha-bima-guidelines	Guidelines on Standard Personal Accident Insurance Product (Saral Suraksha Bima)	standardised_product	IRDAI	2021	product_guideline	https://irdai.gov.in/documents/37343/0/Final+guidelines+on+standard+PA+product-25.02.2021+(2).pdf/ba6be748-a838-530a-ea7d-c5be5dd7b8c3?t=1633499581090	Ref dated 25 Feb 2021. Mandatory PA product from 1 Apr 2021. Death/PTD/PPD base covers + 3 optional.
irdai-corona-kavach-press-release	Corona Kavach Policy — IRDAI Press Release & Standard Wording	standardised_product	IRDAI	2020	product_guideline	https://irdai.gov.in/documents/37343/1092396/Corona+Kavach+Policy.pdf/33f3e0bb-fac5-b6d9-ee1c-4d22d321dc3a?version=3.2&t=1659327794545&download=true	Ref: IRDAI/HLT/REG/CIR/163/06/2020, 26 Jun 2020. Withdrawn for new sales but still relevant for legacy policy enquiries.
irdai-ombudsman-rules-faq-2017	FAQ on Insurance Ombudsman Rules, 2017	claim_service	IRDAI / DFS	2017	rules_faq	https://irdai.gov.in/documents/37343/379608/FAQ%E2%80%99s+on+Insurance+Ombudsman+Rules+2017.pdf/37bc4077-6906-91ad-fb49-6c0e733b3e0d?version=3.0&t=1640147675026	Notified by Central Government (DFS) 27 Apr 2017; amended 2018, 2021. FAQ form covers rule text + jurisdiction + complaint process.
irdai-grievance-redressal-handbook	Grievance Redressal System Handbook	claim_service	IRDAI	2021	handbook	https://irdai.gov.in/documents/38105/41843/Grievance+Redressal+System+Handbook.pdf/aa18899a-ff58-69bd-53eb-bc13fb00597e?version=1.1&t=1631769637686	Consumer-facing handbook on IGMS, Bima Bharosa, TAT for grievances, escalation path.
irdai-insurance-act-1938-amended-2021	The Insurance Act, 1938 (incorporating amendments till 2021)	master_regulation	IRDAI / Parliament of India	2021	statute	https://irdai.gov.in/documents/37343/366193/Insurance+Act,1938+-+incorporating+all+amendments+till+20212021-08-12.pdf/dd88b875-bf63-3fbb-813a-d7fbbfd80aea?version=1.1&t=1665118224832&download=true	Parent statute. Includes Sec 38 (assignment), Sec 39 (nomination), Sec 45 (claim repudiation — non-disclosure 3-year window).
nha-pmjay-operations-manual	Ayushman Bharat PM-JAY Operations Manual	government_scheme	National Health Authority (NHA)	2018	operations_manual	https://nha.gov.in/img/resources/Operation%20Manual%20for%20AB%20PM-JAY.pdf	Official NHA operational guideline for the PMJAY scheme — context for bot responses about overlap with private health insurance.
dfs-gst-exemption-insurance-faqs-2025	FAQs on Exemption of GST on All Individual Life and Health Insurance Policies	government_tax	Department of Financial Services, Ministry of Finance	2025	faq	https://financialservices.gov.in/beta/sites/default/files/2025-10/Insurance-FAQs.pdf	Official DFS FAQ on 0% GST regime for individual life + health insurance, effective 22 Sep 2025 (gives effect to CBIC Notification 16/2025-CTR). Authoritative tax-treatment reference for bot.

Notes on items deferred from this list (transparent gaps)

• Section 80D bare-act PDF — incometaxindia.gov.in renders Section 80D as an HTML page (/w/section-80d-55) rather than a section-specific PDF; the only PDF is the full Income-Tax Act, 1961 bare act (which is ~6,000 pages and overkill for the corpus). If you want it anyway, the bare-act PDF is at https://www.incometaxindia.gov.in/documents/d/guest/income_tax_act_1961_as_amended_by_fa_act_2026-1-pdf. I left it out to keep the corpus relevant.
• CBIC Notification 16/2025-CTR direct PDF — cbic-gst.gov.in does host it, but the canonical direct-PDF link is behind the dynamic notifications listing (taxinformation.cbic.gov.in/view-pdf/...) and the slug rotates. The DFS FAQ PDF above is more stable, more digestible, and links back to the notification. Add the raw notification later if you need the legal text verbatim.
• Master Circular on Standardisation 2020 Corrigendum — exists at https://irdai.gov.in/documents/37343/365525/Master+Circular+on+Standardization+of+Health+Insurance+Products+-+Corrigend.pdf/1edf66a6-d999-7a7e-df10-94cde1512b53?version=1.2&t=1639277778578&download=true — small file correcting the PED definition. Add if you want to cover the Aug 2020 fix.

Downloader notes (important)

• All irdai.gov.in/documents/... URLs return HTTP 403 to plain curl (Akamai bot challenge). They serve real PDFs to:
  1. A real browser, or
  2. A requests/httpx session that first GETs https://irdai.gov.in/ to collect the Akamai cookie, then sends the same User-Agent + Referer: https://irdai.gov.in/ on the PDF request, or
  3. A headless browser (Playwright / Selenium) — most reliable.
• indiacode.nic.in, nha.gov.in, financialservices.gov.in, and cbic-gst.gov.in accept plain curl with a standard browser UA.
• Two URLs above (irdai.gov.in/document-detail?documentId=...) are landing pages, not direct PDF binaries: arogya-sanjeevani and protection-policyholders-master-circular-2024. The downloader should parse the page and follow the embedded PDF link (look for <a href=".../documents/37343/...pdf">).