IRDA has vide its circular dated 11th June, 2020 advised insurance companies to allow telemedicine wherever consultation with a medical practitioner is allowed within the terms of the insurance contract. Allowing telemedicine shall be part of the claims settlement of the insurers and they need not refer to the IRDA for modification. It has been ipso facto allowed without the need for health insurance companies to file a modification of their products.
Telemedicine allowed should of course be within the guidelines dated 25th March, 2020 issued by the Medical Council of India.
IRDA circular can be found https://www.irdai.gov.in/ADMINCMS/cms/frmGuidelines_Layout.aspx?page=PageNo4155