Insurance regulator IRDAI has imposed a fine of Rs 5 lakh on Bharti AXA General Insurance for violating health insurance guidelines. The company added a condition of proportionate deduction in proportion to room under the head 'incremental charges condition' in cases of group health policies, which was in violation of health insurance guidelines, Irdai said. "Under the said condition, the insurer kept the provision to reduce amount payable for various charges in case the insured opts for higher room rent category. However, it was noted that the said condition is not part of policy wordings filed with the Authority of Group Health Insurance Policy," it said in its order. "Looking at the seriousness of the violation of Irdai (Protection of Policyholders' Interest), the Authority imposes a penalty of Rs 5 lakh," Insurance Regulatory and Development Authority of India (Irdai) said. It further asked the company to ensure no claim is settled based on product features and conditions that is not filed and approved under file-and-use procedure complying with Health Insurance regulations.