Research Methodology

By the NewEdgePolicy Editorial Team · Last updated 13 July 2026

We research every topic from primary sources first — IRDAI regulations and circulars, insurer policy wordings, and official government data — before writing a single sentence.

Primary sources before anything else

For each topic we start from the primary source that actually governs it in India: the relevant IRDAI regulation, master circular, or gazette notification; the insurer's own policy wording and prospectus; and official statistics from bodies such as IRDAI, the Ministry of Finance, or the Income Tax Department. Secondary commentary is used only to locate primary sources, never as the basis for a factual claim.

What we do not do

We do not state a rule, number, waiting period, tax limit, or regulatory requirement unless we can point to an official source for it.
We do not present marketing copy from insurers or aggregators as fact.
We do not fabricate statistics, reviews, or regulatory guidance to fill a gap. If reliable information does not exist, we say so.

Scope and limits

NewEdgePolicy is an education publisher, not an insurer, broker, or aggregator. We explain how products and rules work so you can make your own decision. We are transparent about what is settled regulation versus common market practice versus our own reasoning, and we label each accordingly.

Keeping this honest. If any statement here is inaccurate, out of date, or unclear, please tell us. We log corrections with the date they were made. This page is reviewed on our standard editorial cycle.

Related policies

Evidence MethodologyKey claims carry a machine-readable evidence record — the authority behind them, the source, its date, and a confidence level — so you and AI systems can verify them.

Source Selection PolicyWe rank sources by authority. Regulators and primary documents sit at the top; insurer and aggregator marketing sits at the bottom and is never used as proof.

Fact-Checking PolicyBefore a page publishes, its material claims are checked against the primary source and recorded in our evidence layer. Anything we cannot verify does not go in as fact.

How We Evaluate Insurance ProductsWe are transparent about our method: we analyse policy wordings, IRDAI filings, and public data. We do not run proprietary "tests," accept payment for ratings, or claim hands-on trials we have not done.

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