{"what_this_is":"The machine-readable twin of the BankPulse page for one RBI rulebook. Same points, same dates, same paragraph references as the page a person reads. RBI's own wording is not reproduced here: each point names the RBI paragraph, the character offset into the text BankPulse read and the sha256 of that text, so the claim can be checked against RBI's own document.","schema_version":1,"release_id":"d653cdb0a5","generated_at":"2026-09-15T00:33:59.117975+00:00","id":"md10738","title":"Master Direction - Insurance (Updated as on December 07, 2021)","document_kind":"Master Direction","page":"https://bankpulse.ai/rule/md10738","status":"In force","importance":{"code":"FYI","label":"FOR INFORMATION","weight":"For information","why":"General RBI update: no desk rule matched — read the source if it touches your work","layer":"bankpulse_inference"},"applies_to":{"shown":"All regulated entities","class_code":"ALL","from":"the document's own title","layer":"bankpulse_inference"},"dates":{"prid":"md10738","mode":"four_dates_v1","published":{"label":"Published","value":"Nov 17, 2016","stated":true,"why":"The day RBI put this document out."},"effective":{"label":"Starts to apply","value":"","stated":false,"why":"Not stated separately in this document. Read the rule itself before you assume a start date."},"transition":{"label":"Time to get ready","value":"","stated":false,"why":"Cannot be worked out until the day it starts to apply is known."},"deadline":{"label":"Last date to act","value":"","stated":false,"why":"No date to act by was found in this document. Other dates may sit inside single paragraphs."},"sources":{"published":"doc_date in data/highlights/md10738.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=10738","document_date":"Nov 17, 2016","read_by_bankpulse":"2026-08-21 16:21:58 UTC","text_sha256":"80d295d611a038c900622fd531cb60bf3ee6c8d60eb112a6d12b9985daa13212","word_count":3456,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":33,"points_naming_an_rbi_paragraph":33,"points_stored":33,"actions":0,"amendments":0},"points":[{"n":1,"claim":"md10738-4d1e4d63","page_group":"Must know","stored_section":"WHO IT APPLIES TO","heading":"Covers residents buying insurance abroad","plain_english":"This applies to any Indian resident buying health, general or life insurance from abroad.","rbi_paragraph":"Para 2","rbi_char_offset":4389,"weight":"MUST 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