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Official Curriculum • Verified Syllabus
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SpotEnroll Academy
SpotEnroll Sales and Services Private Limited
Official Course Specification & Vocational Curriculum Guide
Document Ref: SE-SYLLABUS-2026
Published: 14 November 2026
Website: https://spotenroll.in
Payment Portal: razorpay.me/@spotenrollsalesandservicespri
Insurance Specialization

Insurance Career Programs - Official Syllabus & Curriculum Guide

Structured job-oriented training aligned with leading industry standards and screening evaluation

Total Courses Included2

About Insurance Specialization

Life & general underwriting, health claims adjudication, IRDAI guidelines, and policy servicing.

Aligned with 2026 hiring requirements
Live proctored screening assessment
Direct corporate interview referrals
Course #1 • Insurance8 Weeks Cohort

Insurance Operations & Sales Specialist

Master life and general insurance policy lifecycles, IRDAI underwriting regulations, and claims administration.

Total Upfront Fee₹5,898Includes Exam + 18% GST
Lead Mentor:Sunita Deshmukh, Fellow of Insurance Institute of India (FIII)
Assessment Fee:₹999 (One-time)
Certification:Accredited Completion Certificate
Official Payment Link:razorpay.me/@spotenrollsalesandservicespri

Transparent Fee Structure & Taxation

ComponentAmount (INR)Applicability & Notes
1. Base Program Tuition₹3,999Live practical training, LMS access, project reviews, and job interviews
2. Screening Assessment & Capstone Fee₹999Proctored examination, score card, and interview evaluation
3. Statutory GST (18%)₹900Government indirect tax with standard GST invoice issued
Total Payable Upfront₹5,898Paid via verified Razorpay portal after applying for assessment

Curriculum Syllabus (4 Modules)

12 Total Lessons
Module 1: Principles of Insurance & Indian Market Regulatory Framework
3 Lessons

Uberrima Fides (Utmost Good Faith), Insurable Interest, Indemnity, Subrogation, and IRDAI Act 1999 mandates.

  • 1Fundamental Legal Principles Governing Insurance ContractsPreview
    36 min
  • 2IRDAI Regulatory Guidelines on Policyholder Protection
    40 min
  • 3Structure of Life, General & Standalone Health Insurers in India
    32 min
Module 2: Life Insurance Underwriting & Risk Classification
3 Lessons

Proposal form scrutiny, medical & non-medical underwriting, financial underwriting, and loading calculations.

  • 1Scrutinizing Life Proposal Forms & Moral Hazard Identification
    44 min
  • 2Financial Underwriting: Human Life Value (HLV) & 20x Income Benchmarks
    46 min
  • 3Medical Risk Classification, Extra Mortality Ratings & Counter-Offers
    42 min
Module 3: General & Motor Insurance Underwriting
3 Lessons

Motor Vehicles Act 2019 amendments, Own Damage (OD) vs Third Party (TP) pricing, and fire/marine basics.

  • 1Comprehensive Motor Policy Schedules & Insured Declared Value (IDV)
    40 min
  • 2No-Claim Bonus (NCB) Reserving & Transfer Verification
    36 min
  • 3Standard Fire and Special Perils (SFSP) Policy Underwriting
    42 min
Module 4: Policy Servicing, Renewals & Claims Adjudication
3 Lessons

Endorsements, grace periods, revival of lapsed policies, surrender values, and death claim settlements.

  • 1Policy Servicing: Alterations, Assignments, and Nominations (Section 39)
    38 min
  • 2Lapse Management, Revival Schemes & Paid-Up Value Calculations
    40 min
  • 3Claims Settlement Timeline, Section 45 Repudiation Protocols & Capstone Audit
    60 min
Assessment & Certification Roadmap:
Stage 1: Application

Submit profile, academic qualification, and choose examination slot.

Stage 2: Screening Exam

Pay ₹999 exam fee via official Razorpay link and complete test.

Stage 3: Cohort Training

Complete hands-on case studies, live mentor sessions, and capstone project.

Stage 4: Placement Drive

Get verified credentials, resume audit, and interview deployment.

Course #2 • Insurance10 Weeks Cohort

Health Insurance Claims & TPA Operations Specialist

Master cashless hospital approvals, reimbursement auditing, medical fraud investigation, and TPA networks.

Total Upfront Fee₹6,488Includes Exam + 18% GST
Lead Mentor:Dr. K. S. Venkatesh, Senior Claims & Medical Underwriting Specialist
Assessment Fee:₹999 (One-time)
Certification:Accredited Completion Certificate
Official Payment Link:razorpay.me/@spotenrollsalesandservicespri

Transparent Fee Structure & Taxation

ComponentAmount (INR)Applicability & Notes
1. Base Program Tuition₹4,499Live practical training, LMS access, project reviews, and job interviews
2. Screening Assessment & Capstone Fee₹999Proctored examination, score card, and interview evaluation
3. Statutory GST (18%)₹990Government indirect tax with standard GST invoice issued
Total Payable Upfront₹6,488Paid via verified Razorpay portal after applying for assessment

Curriculum Syllabus (4 Modules)

12 Total Lessons
Module 1: Health Insurance Policy Architecture & Wordings
3 Lessons

Indemnity vs fixed benefit policies, room rent capping, disease-specific sub-limits, and co-payment clauses.

  • 1Deconstructing Standard Indian Health Policy Wordings & ExclusionsPreview
    38 min
  • 2Room Rent Proration Mechanics & Proportionate Deductions
    42 min
  • 3Pre-Existing Disease (PED) Waiting Periods & 36-Month Portability Norms
    40 min
Module 2: Cashless Hospitalization & Pre-Authorization Protocols
3 Lessons

TPA workflows, hospital desk pre-auth requests, initial approval calculation, and discharge summary auditing.

  • 1Processing Cashless Pre-Auth Request Formats within 1-Hour TAT
    45 min
  • 2Audit of Emergency vs Planned Admission Eligibility
    36 min
  • 3Interpreting Indoor Case Papers (ICP) and Doctor Progress Notes
    48 min
Module 3: Medical Billing Audit & Fraud Detection
3 Lessons

Identifying billing inflation, unbundled surgical charges, non-medical expenses (List I-IV), and phantom hospitalizations.

  • 1IRDAI Non-Payable Items (List I to IV) Deductions Practice
    44 min
  • 2Detecting Fraudulent Hospitalization & Inflated Pharmacy Invoices
    50 min
  • 3Field Trigger Audits & Hospital Empanelment Compliance Inspection
    42 min
Module 4: Reimbursement Settlement & Final Capstone Project
3 Lessons

Adjudicating post-discharge claims, querying discrepancies with insureds, and final claim approval computation.

  • 1End-to-End Adjudication of a ₹4.5 Lakh Multi-Specialty Surgical Claim
    55 min
  • 2Grievance Redressal, Ombudsman Presentations & Customer Support Scenarios
    45 min
  • 3Capstone Proctored Health Claims Audit Examination
    90 min
Assessment & Certification Roadmap:
Stage 1: Application

Submit profile, academic qualification, and choose examination slot.

Stage 2: Screening Exam

Pay ₹999 exam fee via official Razorpay link and complete test.

Stage 3: Cohort Training

Complete hands-on case studies, live mentor sessions, and capstone project.

Stage 4: Placement Drive

Get verified credentials, resume audit, and interview deployment.

SpotEnroll Sales and Services Private Limited

Incorporated under the Companies Act, India • Educational & Career Assessment Division

Official verified payment portal: https://razorpay.me/@spotenrollsalesandservicespri

Student Support & Admissions Desk:

Email: admissions@spotenroll.in | support@spotenroll.in

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