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"HINTS"
IRDAI has launched an Integrated Grievance Management System (IGMS) which acts as a central repository of insurance grievance data and as a tool for monitoring grievance redress in the industry. Consumer disputes redressal agencies are established in each district and state and at national level. As far as insurance business is concerned, the majority of consumer disputes fall in categories such as delay in settlement of claims, non-settlement of claims, repudiation of claims, quantum of loss and policy terms, conditions etc. The Ombudsman, by mutual agreement of the insured and the insurer can act as a mediator and counsellor within the terms of reference. If the dispute is not settled by intermediation, the Ombudsman will pass award to the insured which he thinks is fair, and is not more than what is necessary to cover the loss of the insure
A Life Insurance policy is a promise which an Insurer makes to the client who takes out a policy and the promise is to pay a certain amount as per the policy conditions and its status on the happening of an event causing a loss on account of the client’s death before the maturity of the policy or at the time of survivance of the policy term.
The main purpose of the Regulations is to protect the interests of the policyholder. The Insurance Act, 1938 and Insurance Regulatory and Development Authority Act 1999 form the basic framework of insurance regulation. The insurance Act, 1938 has provisions for monitoring and controlling operations of the insurance companies. Regulation and development of insurance business is the main objective of the IRDA Act 1999 and this was achieved in the establishment of the Authority in 2000.
An insurance policy is a contract entered into between two parties, viz., the company, called the insurer, and the policy holder, called the insured and fulfils the requirements enshrined in the Indian Contract Act, 1872. Insurance involves a contractual agreement in which the insurer agrees to provide financial protection against specified risks for a price or consideration known as the premium. A contract is an agreement between parties, enforceable at law
A critical point of concern with respect to life insurance policies has been the issue of giving a competitive rate of return which is comparable to that of other assets in the financial marketplace. Some of the trends that led to the upswing in non-traditional life products include unbundling, investment linkage and transparency
In ordinary language, the term premium denotes the price that is paid by an insured for purchasing an insurance policy. The process of setting the premium for life insurance policies involves consideration of mortality, interests, expense management and reserves.
Prospectus is a formal legal document used by insurance companies that provides details about the product. The application document used for making the proposal is commonly known as the “proposal form?. Matters of health, habits and occupation, income and family details need to be mentioned by the agent in the agent’s report. Details pertaining to physical features like height, weight, blood pressure, cardiac status etc. are recorded and mentioned by the doctor in his/ her report called the medical examiner’s report.