Introduction
The Reading Comprehension (RC) section of the IRDAI Assistant Manager Descriptive English Paper can be your secret weapon to scoring high. Unlike essay or precis writing, RC answers are based on a given passage, making it less subjective and more straightforward.
The IRDAI 2024 exam had an RC passage on Data Analytics in Insurance, with 5 descriptive questions. This shows that IRDAI focuses on sector-relevant and current topics—especially related to insurance, finance, digital transformation, and governance.
In this post, Bank Whizz lists the most expected RC themes for IRDAI 2025, explains the type of questions asked, and gives smart preparation tips to help you crack this section with ease.
RC Section: What to Expect in IRDAI Assistant Manager 2025
| Component | Details |
|---|---|
| Number of Passages | 1 |
| Number of Questions | 5 descriptive questions |
| Expected Length | 350–500 words |
| Marks Allotted | 25–30 |
| Answer Length | 3–5 lines per answer |
Nature of Questions
RC questions in IRDAI are usually:
- Fact-based: Direct questions from the passage
- Inference-based: Requires reading between the lines
- Vocabulary-based: Ask for synonyms/meanings (occasionally)
- Opinion-based: What does the author suggest/recommend?
Pro Tip: Stick to 3–5 line answers using your own words, not copy-pasted text.
Most Expected RC Topics for IRDAI Assistant Manager 2025
These themes are based on past papers, IRDAI’s regulatory focus, current affairs, and recent policy initiatives.
1. Insurance Sector Developments
- Health Insurance Penetration in India
- Role of Microinsurance in Financial Inclusion
- Insurance for All by 2047
- PMFBY (Crop Insurance) and its Challenges
- Ayushman Bharat and Universal Health Coverage
Why Expected:
IRDAI being the insurance regulator, sectoral topics are highly probable.
2. Digital Transformation in BFSI
- Use of Artificial Intelligence in Insurance
- Role of Big Data in Claim Management
- Blockchain Technology in Insurance
- Cybersecurity in the Financial Sector
- Digital Payment Ecosystem in India
Why Expected:
Tech-led innovation is reshaping insurance. IRDAI promotes InsurTech and sandboxes.
3. Regulatory Reforms & Governance
- Role of IRDAI in Policyholder Protection
- SEBI, RBI, and IRDAI Collaboration for Financial Stability
- Grievance Redressal Mechanism in Insurance
- Data Protection Laws and Impact on Insurance Sector
Why Expected:
Good governance and regulatory efficiency are major IRDAI goals.
4. Financial Literacy & Inclusion
- Need for Financial Literacy in Rural India
- Women and Insurance Awareness
- Role of Agents in Expanding Insurance Access
- Challenges in Life Insurance Adoption Among Youth
Why Expected:
IRDAI’s development role includes educating the masses and expanding reach.
5. ESG & Sustainable Finance
- Green Insurance and Climate Risk Coverage
- ESG (Environmental, Social, Governance) in Indian Financial Sector
- Sustainability Disclosures in Insurance Companies
- Carbon Neutral Goals and Role of Insurers
Why Expected:
Sustainability and climate risk are increasingly part of regulatory discussion.
6. General Policy & Economy
- Budget 2024 Highlights Related to Insurance Sector
- India’s Economic Growth and Social Safety Nets
- Public-Private Partnerships in Healthcare and Insurance
- Impact of Demographic Changes on Insurance Demand
Why Expected:
Such topics blend general awareness with relevance to insurance.
How to Prepare for RC Section Effectively
1. Read Newspapers & Reports Regularly
- Focus on The Hindu, Indian Express, Business Line editorials
- Go through IRDAI annual reports, FAQs, circulars
- Read RBI and SEBI bulletins occasionally for cross-sector awareness
2. Practice with RC Sets Weekly
- Use previous year IRDAI, SEBI, NABARD, and RBI papers
- Write answers in 3–5 lines only
- Simulate exam conditions with a timer (12 minutes per RC set)
3. Learn to Paraphrase
- Avoid copying phrases directly from the passage
- Use synonyms and restructure sentences
- Keep tone formal and objective
4. Don’t Skip the Passage Headline (if any)
- Sometimes the title or heading gives away the central idea
- Helps in framing intro-style answers in inference-based questions
5. Use Keywords from Questions in Your Answers
Example:
Q. What are the benefits of AI in insurance as discussed in the passage?
A. The passage highlights that AI improves claim settlement efficiency, enhances fraud detection, and helps personalize customer experiences in the insurance sector.
Common Mistakes to Avoid in RC Section
| Mistake | Why It’s Costly |
|---|---|
| Copying exact sentences from the passage | Examiner may deduct marks for lack of originality |
| Writing too short or too long answers | Ideal is 3–5 lines, neither less nor more |
| Ignoring inference-based questions | These often carry more marks |
| Skimming without understanding | Leads to irrelevant or inaccurate answers |
Sample RC Practice Passage Snapshot
The Indian insurance industry has witnessed a surge in technology adoption. InsurTech startups are using AI, data analytics, and mobile apps to make processes more customer-centric. IRDAI has introduced sandbox regulations to test innovations in a controlled environment. However, the challenges of digital exclusion and cybersecurity risks remain. For these technologies to succeed, consumer education and regulatory safeguards are essential.
Sample Question:
Q. What is the role of IRDAI in fostering innovation in insurance?
A. IRDAI has introduced sandbox regulations that allow insurers to test technological innovations under regulatory oversight, ensuring a balance between growth and consumer safety.
Practice Plan for RC Mastery (7-Day Cycle)
| Day | Task |
|---|---|
| Day 1 | Read and summarize 2 editorials |
| Day 2 | Attempt 1 full RC from a previous paper |
| Day 3 | Write 5 RC answers within 12 minutes |
| Day 4 | Practice paraphrasing exercise |
| Day 5 | Read IRDAI FAQ or Annual Report (2 pages) |
| Day 6 | Simulate full descriptive test (60 mins) |
| Day 7 | Review weak answers and rewrite better versions |
Conclusion
The RC section in IRDAI Assistant Manager 2025 Descriptive Paper is one of the most scoring and predictable parts—if you know what to expect and how to manage your time.
Stick to insurance-sector awareness, practice summarizing passages, and improve your answer structuring skills. With Bank Whizz’s IRDAI mock tests, topic-based RC sets, and expert answer reviews, you’ll master this section with confidence.