1Introduction
TruCover Wellness invites IRDAI-licensed individual insurance agents to join its growing agent network. Agents partnering with TruCover gain access to a powerful platform that eliminates the single biggest source of agent-client relationship breakdown: claims failure.
Our model is simple: TruCover handles the complexity of claims management 24/7, so agents can focus on what they do best — building client relationships and growing their book of business.
2Agent Eligibility
To register as a TruCover network agent, you must:
- Hold a valid IRDAI individual agent licence (Life, General, or Health)
- Be in good standing with no current disciplinary action by IRDAI
- Complete TruCover's onboarding orientation (conducted virtually — approximately 2 hours)
- Execute the TruCover Agent Network Agreement
- Submit KYC documents: PAN card, Aadhaar, IRDAI licence copy, bank account details
3What TruCover Provides to Agents
3.1 Product Access
- Access to group health insurance products from multiple IRDAI-registered insurers through TruCover's distribution infrastructure
- Bundled wellness platform subscription (TruCover Wellness) to differentiate your pitch to corporate clients
- Competitive premium quotes and comparison tools
3.2 Claims Support — The Core Differentiator
This is what makes TruCover different. When your client has a claim, TruCover steps in:
- 24/7 claims helpline accessible to your corporate clients and their employees
- Dedicated claims support team to guide document collection, submission, and follow-up
- Real-time claim tracking for agents — you are always in the loop
- Direct liaison with insurer and TPA on behalf of your client
- Your reputation is protected — clients call TruCover, not you, at 2am
3.3 Digital Tools
- Agent dashboard: client portfolio, policy renewal tracker, commission statements
- Digital proposal generation — professional, branded proposals for corporate clients
- WhatsApp-integrated communication templates
- Training resources and product knowledge library
4Commission Structure
Commission is paid in accordance with IRDAI (Payment of Commission) Regulations, 2016. Specific commission rates by product and insurer are detailed in your Agent Network Agreement and updated periodically.
| Revenue Type | Source | Payment Cycle |
|---|
| First-year commission | Policy premium (insurer-regulated) | Within 30 days of policy issuance |
| Renewal commission | Renewed premium (insurer-regulated) | Within 30 days of renewal |
| Wellness referral bonus | Corporate wellness subscription | Quarterly |
| Team override (if recruiting sub-agents) | Sub-agent commission share | Monthly |
5Agent Code of Conduct
All TruCover network agents must:
- Represent TruCover products accurately and not misrepresent coverage, exclusions, or premiums
- Disclose commission earnings when asked by a prospective policyholder
- Not solicit or sell products outside the scope of their IRDAI licence category
- Maintain client data confidentiality in accordance with the TruCover Privacy Policy
- Promptly report any client grievance related to claims or policy service to TruCover
- Renew IRDAI licence in a timely manner and notify TruCover immediately upon renewal
- Not engage in multi-level marketing schemes or pyramid structures in agent recruitment
6Agent Grievance & Dispute Resolution
If you have a dispute related to commission payments, client allocation, or platform access:
- Raise the issue in writing to bd@trucover365.com with supporting documentation
- TruCover will acknowledge within 3 business days and aim to resolve within 15 business days
- Unresolved disputes are escalated to binding arbitration under the Arbitration & Conciliation Act, 1996, with seat at Hyderabad
7Termination of Agent Registration
TruCover may terminate an agent's registration in the following circumstances:
- Revocation or lapse of IRDAI agent licence
- Breach of Agent Code of Conduct or Agent Network Agreement
- Fraudulent activity related to claims, policy documentation, or client data
- Inactivity (no transactions) for 18 consecutive months
Agents may voluntarily exit with 30 days' written notice. Commission on in-force policies placed before termination will continue for the policy duration per applicable IRDAI regulations.