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Reference is invited to the provisions of Chapter III of Consolidated Guidelines on product filing in  Health Insurance Business (Ref No: IRDAI/HLT/REG/CIR/194/07/2020 dated 22nd July, 2020 (the guidelines) specifying the file and use and use and File Procedure in respect of various categories of individual products or Add-ons or Riders of Health Insurance Business. In partial Modification of these guidelines the following norms are specified.