IRDAI product register · general insurance
Agriculture Insurance Company of India Policy Wordings
IRDAI's non-life product register lists 4 AIC products and 0 add-ons, approved 2016 to 2021. Each is below with its UIN and a link to its policy wording on irdai.gov.in, grouped by line of cover.
The wording is the contract a claim is decided on; the brochure is not. Built from IRDAI's register of non-life insurance products.
Lines: Crop and rural
Crop and rural (4)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Bangla Shasya Bima | IRDAN126RP0001V01201920 | 30 Dec 2019 | Wording |
| Laghu Fasal Kawach (Micro Insurance Product) | IRDAN126MP0001V01202122 | 26 Aug 2021 | Wording |
| Pradhan Mantri Fasal Bima Yojna | IRDAN126P0001V01201617 | 14 Sep 2016 | Wording |
| Sampoorna Ritu Kawach | IRDAN126RP0001V01202122 | 17 May 2021 | Wording |
Names in the register
IRDAI registration number 126. Filed as: Agriculture Insurance Co of India Ltd.
Why the wording matters more than the brochure
A policy is the schedule, the wording and any endorsements, read together. The brochure and the insurer's web page summarise it and say so in their own footers. When a claim is disputed, the surveyor, the insurer and the Ombudsman all read the wording, so it is the document to read before renewal, not after a loss.
Below fifty crore of value at risk, fire cover is IRDAI's standard product and the wording is the same whoever sells it. Above it, and on most liability, engineering and marine covers, the wordings differ and comparing them is the point of using a broker.
Reading a UIN
Every product IRDAI approves carries a Unique Identification Number. For a general insurance product it begins IRDAN, and the three digits that follow are the insurer's IRDAI registration number, which is how this library keeps an insurer's products together through a change of name. The V01, V02 that follow mark the version of the wording. An add-on carries its parent product's UIN with its own /A suffix, or a UIN of its own where it was filed alone.
The UIN is printed on your policy schedule. Match it here and you have the wording your policy was issued on. If your schedule shows a version this library does not list, the insurer has filed a newer one since.
Frequently asked questions
Where can I find AIC policy wordings?
Above: every AIC product in IRDAI's non-life register, with the link to its wording PDF on irdai.gov.in. Match the UIN on your policy schedule.
How many AIC general insurance products are in IRDAI's register?
4 products and 0 add-ons, approved 2016 to 2021.
Which lines of cover does AIC file most?
By number of products in the register: crop and rural 4.
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