What to check in a new policy, ideally within the free-look period.
A general checklist does not replace your policy wording or the list your insurer gives you for your claim. Ask the insurer what it needs in your case.
| Document | What it is for | When it may be needed | Differs by insurer? |
|---|---|---|---|
| Names, dates of birth and contact details | Errors can delay claims. | Always | Usually the same |
| Sum insured or sum assured | Matches what you asked for. | Always | Usually the same |
| Proposal form copy | Check that your health and other answers were recorded correctly. | Always | Usually the same |
| Waiting periods, co-payment, deductibles and sub-limits | Decide what a claim actually pays. | Health and other indemnity policies | Yes, can differ |
| Exclusions and definitions | What is not covered and how terms are defined. | Always | Yes, can differ |
| Nominee details | Who receives a life or accident claim. | Life and personal accident policies | Usually the same |
| Insurer's claim and grievance contacts | Whom to call when you need to claim or complain. | Always | Yes, can differ |
Last reviewed on 18 October 2026.
Official resources
- IRDAI policyholder website (opens in a new tab)IRDAI's site for policyholders: consumer education and how to complain.
- IRDAI – Insurance Regulatory and Development Authority of India (opens in a new tab)The insurance regulator: regulations, circulars and the lists of registered insurers and intermediaries.
Addresses checked on 19 October 2026.