Irdai asks health, general insurers to bring standard accident cover from Apr Irdai asks health, general insurers to bring standard accident cover from Apr New Delhi, Feb 26: Insurance regulator Irdai has asked general and health insurance providers to provide standard personal accident cover products to their customers. The Insurance Regulatory and Development Authority of India (Irdai) said the insurance market has a wide variety of personal accident insurance products. Each product has unique features and the insuring public may find it a challenge to choose an appropriate product, Irdai said in its guidelines issued to the insurers for the standard accident cover.