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	# 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">`).

	# 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">`).