Disclosure of information norm
What it means, and what it does to a claim.
The clause stating that the policy is void, and premiums forfeited, if information was misrepresented, mis-described or withheld.
Why it matters
This is the legal teeth behind the proposal form. It is not aimed at honest mistakes about detail, but it does mean a deliberately omitted condition can void the entire contract rather than just that one claim. It is the reason to over-disclose rather than under-disclose.
The legal definition
Disclosure of information norm means the policy shall be void and all premium paid hereon shall be forfeited to the Company in the event of misrepresentation, mis-description or non-disclosure of any material fact.
Quoted verbatim from an IRDAI-filed policy wording. Definitions are standardised across insurers, but the limits attached to them are not — always read your own policy schedule.
Related terms
- Material Facts — Anything an insurer would want to know when deciding whether to cover you and on what terms — your medical history, habits, occupation and existing policies.
- Notification of Claim — Telling the insurer or their TPA that a claim is coming, through any of the channels the policy recognises.
- Pre-existing disease (PED) — Any condition you were diagnosed with, or got medical advice or treatment for, in the years before the policy started.
Disclaimer: Figures shown here are compiled from IRDAI annual reports and public grievance disclosures, and from insurer public disclosures and policy wordings. Claim settlement ratios and complaint volumes are three-year averages for FY 2024–26. Premiums are indicative illustrations for the stated profile, not quotes — your actual premium depends on your age, health, city, habits and underwriting. Scores are Myinsurancebro's own assessment. Always read the official policy document and speak to an advisor before buying. Myinsurancebro is an IRDAI-licensed insurance advisor — we do not manufacture or underwrite any insurance product.