In February 2013 IRDA passed comprehensive Regulations governing Health Business in India which as far as customer is concerned, include (a) Renewal of Policies (b) Free look period (c) Cost of pre-insurance health checkup (d) Cumulative bonus € Option to migrate (f) Disclosures and declaration (g) Standard definitions and nomenclature (h) Standard excluded items (i) Provisions relating to senior citizens (j) Upper limit and maximum cover (k) Settlement/rejection of claims (l) Administration of health policies (m) Payment of claim and (n) Portability of cover etc.