IRDA Exam Syllabus for Insurance Agent: Complete Guide for 2026

IRDAI IC 38 is an obligatory 60-minute online exam of 50 multiple-choice questions (passing marks: 18 out of 50). This 2026 syllabus comprises the basic principles of insurance, life & health insurance, general insurance, claims management, ethics in sales, and rules by IRDAI.

 

The Indian insurance industry is growing at a fast pace due to increased awareness, digitisation, and financial security. Insurance agents act as the important medium connecting the insurer and the policyholder. But in order to get a licence for the same, an individual needs to pass the required IRDAI certification exam, IC 38; hence, knowing the syllabus becomes important.

Whether you're planning on entering this domain in 2026 or just want to know what is different recently, here we will cover the IRDAI IC 38 exam syllabus, its format, and proper preparation.

What is the IRDAI IC 38 Exam?

The IRDAI IC 38 exam is a pre-licensing qualification exam conducted by the Insurance Regulatory and Development Authority of India (IRDAI). It is designed for individuals who wish to become life, general, or health insurance agents in India.

Before appearing for this exam, candidates must undergo a mandatory training programme approved by IRDAI, which usually consists of a 15-hour training programme. Once the training is completed, candidates become eligible to sit for the IC 38 examination. 

Overview of the IRDAI Exam Syllabus for Insurance Agents (2026)

The IRDAI exam covers several areas that an insurance agent is expected to understand, including insurance products, basic principles, regulations and ethical conduct. Candidates are tested on these topics so that they are better prepared to explain policies and interact with customers responsibly.

Below is a comprehensive syllabus of the IRDAI IC 38 examination for 2026:

1. Basics of Insurance

• History and development of insurance in India
• Principles of insurance (Indemnity, Utmost good faith, Contribution, Subrogation, and Proximate Cause)
• Types of insurance: Life, General, and Health

2. Understanding Life Insurance

• Life insurance products and riders
• Term, Whole Life, Endowment, ULIPs, and Annuities
• Policy structure and documentation

3. Health and General Insurance

• Types of health insurance plans
• Key terms: Pre-existing illnesses, waiting period, exclusions
• General insurance: Auto, Home, Travel, Fire, etc.

4. Insurance Regulations and IRDAI Framework

• Role and structure of IRDAI
• Code of conduct for insurance agents
• Anti-Money Laundering (AML) regulations
• Know Your Customer (KYC) guidelines

5. Policy Servicing and Claims

• Policy issuance and servicing lifecycle
• Premium calculation and payment modes
• Claims process, settlement, and documentation
• Role of agents in claim handling and dispute resolution

6. Marketing and Sales

• Prospecting and client needs analysis
• Customer relationship management (CRM)
• Ethical selling practices and mis-selling prevention
• Use of digital tools in sales

7. Financial Planning and Taxation

• Basics of financial planning
• Insurance as a risk management tool
• Tax benefits under various sections (like Section 123, 126, and Schedule II(2) of the Income Tax Act, 2025)

Exam Format and Key Details

The IRDAI IC 38 certification exam is an online test that tests one's basic insurance knowledge.

• Mode: Online
• Duration: 60 minutes
• Number of Questions: 50
• Type: Multiple Choice Questions (MCQs)
• Passing Marks required: 18 out of 50 

The test is conducted in English, Hindi, and several other languages of India so that it can be easily understood by everyone.

How to Prepare for the IRDAI IC 38 Exam?

The IRDAI IC 38 syllabus preparation does not have to be difficult at all. Below is an easy plan to follow:

1. Mandatory Training Completion: Take IRDAI-approved training via a registered insurance company or training institute.
2. Workbook Study: The IRDAI gives a thorough study guide for the syllabus.
3. Mock Tests Attempt: Try out the practice tests using various online platforms.
4. Revision: Be always engaged in revision, especially of the weaker areas, along with definitions, laws, and product specifications.
5. Keep Syllabus Updates: Note any changes made by IRDAI to the syllabus of 2026.

Final Thoughts

The IRDAI exam syllabus for insurance agents is not just a curriculum; it’s a well-thought-out roadmap to becoming a trustworthy advisor. Clearing the IRDAI IC 38 exam is achievable with the proper training and preparation. More importantly, it marks the beginning of a meaningful career, helping individuals secure their futures.

For aspiring agents looking to work with reputed insurers, we at Niva Bupa are a customer-first company offering the perfect environment to grow. With our innovative health insurance offerings and strong market presence, we value well-trained, IRDAI-certified professionals ready to make a real impact. 

Connect with us today for more information!

Frequently Asked Questions

1. What is the IRDAI IC 38 exam?

It is  an exam conducted by Insurance Institute of India (III) is the body that actually administers/conducts IC 38, with IRDAI as the regulator setting the requirement.

2. How many questions are there in the IRDAI IC 38 exam?

50 multiple-choice questions, and at least 18 correct answers are needed to pass, which is 35%.

3. Is the IRDAI exam syllabus the same for life and health insurance agents?

The core stays largely the same, though product-specific sections shift slightly depending on which line of insurance you're pursuing.

4. Can I take the IRDAI exam online?

Yes, the IRDAI IC 38 exam is conducted online at designated centres and in multiple languages.