IC-38 Syllabus 2026: Every Chapter, in Order
One Common section everybody studies, then exactly one track. Here is what each one holds.
The IC-38 syllabus is not one identical syllabus for every candidate. The curriculum is organised around a Common section every candidate studies, followed by exactly one product-specific track: Life, General or Health.
The Insurance Institute of India (III) currently provides revised IC-38 study material for Insurance Agents in Life, Non-Life and Health categories, with the Common section shared across all three.
You save ₹200 today
- Full-length mock tests
- Chapter-wise MCQs
- English + Hindi
One payment, no subscription · Valid for 2 months
What to study first
If you're starting from zero, work through this in order rather than jumping straight to product chapters.
- 1
The five Common chapters
They establish the concepts (risk, regulation, customer service, grievance handling) that make every product-specific chapter easier to follow.
- 2
The track your examination requires
Life candidates study the Life chapters, General candidates study the General chapters, Health candidates study the Health chapters, plus the Common section under all three.
- 3
Not all three tracks
Studying every track because they all appear on the III material page adds workload without adding marks. Study the track you're actually being examined on.
Chapter-wise syllabus
Common section
Every candidate- 1Introduction to Insurance
- 2Customer Service
- 3Grievance Redressal Mechanism
- 4Regulatory Aspects of Insurance Agents
- 5Legal Principle of an Insurance Contract
Life Insurance track (adds)
Chapters 6 to 16- 6What Life Insurance Involves
- 7Financial Planning
- 8Life Insurance Products - I
- 9Life Insurance Products - II
- 10Applications of Life Insurance
- 11Pricing and Valuation in Life Insurance
- 12Documentation - Proposal Stage
- 13Documentation - Policy Condition I
- 14Documentation - Policy Condition II
- 15Underwriting
- 16Payments Under a Life Insurance Policy
General Insurance track (adds)
Chapters 6 to 11- 6Principles of Insurance
- 7Documentation
- 8Theory & Practice of Premium Rating
- 9Personal & Retail Insurance
- 10Commercial Insurance
- 11Claims Procedure
Health Insurance track (adds)
Chapters 6 to 10- 6Introduction to Health Insurance
- 7Insurance Documentation
- 8Health Insurance Products
- 9Health Insurance Underwriting
- 10Health Insurance Claims
Common section: concepts worth understanding
- check_circleRisk, peril and loss
- check_circleRisk management and insurance as risk transfer
- check_circleCustomer service through the proposal and claims stages
- check_circleGrievance redressal and agent responsibilities, including the Insurance Ombudsman
- check_circleThe regulatory framework agents operate under, including IRDAI's role, the agent code of conduct and AML/KYC norms
- check_circleUtmost good faith, insurable interest, indemnity, subrogation, proximate cause
- check_circleContract of adhesion
No signup. See the question style before you commit to a track.
Life Insurance track: concepts worth understanding
- check_circleThe purpose of life insurance and needs-based financial planning
- check_circleLife insurance products and how they're applied, including term, endowment, ULIPs and annuities
- check_circlePricing and valuation
- check_circleProposal documentation and policy conditions, including the free-look period and nomination
- check_circleUnderwriting
- check_circlePayments, claims-related processes and surrender value
General Insurance track: concepts worth understanding
- check_circleGeneral insurance principles
- check_circlePolicy documentation
- check_circleUnderwriting and premium rating
- check_circlePersonal, retail and commercial insurance, including motor, fire and marine covers
- check_circleClaims procedure
Health Insurance track: concepts worth understanding
- check_circleHealth insurance fundamentals
- check_circleDocumentation
- check_circleHealth insurance products
- check_circleUnderwriting
- check_circleClaims
On the official material
The Insurance Institute of India states that its IC-38 course material is indicative study material, and that examination questions are not confined to it. Use the official syllabus as your foundation, but prepare for concepts and applications rather than memorising paragraphs.
Next steps
- Study Materialarrow_forward
- Exam Patternarrow_forward
- Preparationarrow_forward
- Life vs General vs Healtharrow_forward
Full 50-question papers across every chapter above, scored instantly.