Regulatory warning - Deep dive Insurance Fraud Monitoring Framework Guidelines 2025 (Oct 10 2025, CAalley PDF) is IRDAI first board-level fraud rulebook: central fraud database at IIB, cyber as distinct category, Fraud Monitoring Unit (FMU) at insurer and Fraud Monitoring Committee (FMC) at board, board-approved anti-fraud policy, and reporting of intermediary fraud and agent rental accounts.
Method
Primary: IFMF Guidelines 2025 PDF + IRDAI Be Alert! + the Jamnagar digital-arrest case + the SIT orders + the No Insurance No Fuel pilot.
What Changes on Ground
For insurers: report fraud by category to IIB in common taxonomy; cyber now separate; FMU independent from sales/underwriting; board FMC reviews. For agents: rental accounts become FMU-reportable - Jamnagar Rs58L flow is textbook case. For you: seller must be tagged (Corporate Agent amendment, effective Jan 1 2027) and now also fraud-checked at IIB.
Why This Hub Now Has Labels
This guide explains why frauds.html uses Regulatory warning vs Court finding vs Confirmed case vs Reported allegation vs Safety advisory - IFMF category split is why rejected claim (1 in 12) is not fraud FIR until FMU categorises.