Jump to content
News Ticker
  • NPAs under PM Modi's Mudra scheme jumped 126% in FY19
  • shows RTI
  • RTI query reveals banking frauds of ₹ 2.05 Trillion reported in the last 11 years
  • 509 per cent rise in cases under child labour law: Study
  • The Central Information Commission has allowed disclosure of file notings on the mercy petition of a rape and murder convict, rejecting the government's contention that the records cannot be disclosed as these are privileged documents under Article 74(2) of the Constitution.
  • Electoral bonds worth over ₹5,800 crore were bought by donors to fund political parties between March 1, 2018 and May 10, 2019, a Right to Information reply has said.
  • Don't pay 500/- for answer sheet now- Supreme Court says if Answer sheet is asked under RTI, RTI Fees will be governed

Search the Community

Showing results for tags 'insurance'.



More search options

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


Forums

  • Request for Community Support
  • Connect with Community
  • Learn about RTI
  • Website News & Support
  • Read RTI News & Stories
  • RTI Act Critics's RTI Act Critics Topics
  • Fans of RTI India's Fans of RTI India Topics
  • Insurance Consumer's Insurance Consumer Topics
  • Activists of Transparency and Accountability's Activists of Transparency and Accountability Topics
  • Issues with BWSSB's Issues with BWSSB Topics
  • Law+Order-Bangalore-32's Law+Order-Bangalore-32 Topics
  • Issues With Electricity Board's Issues With Electricity Board Topics
  • RTI Activists's RTI Activists Topics
  • YOGA's YOGA Topics
  • help each other's help each other Topics
  • forest and wild life's forest and wild life Topics
  • Indian Police Officials not following Cr.P.C.'s Indian Police Officials not following Cr.P.C. Topics
  • RTI Activist+Politics's RTI Activist+Politics Topics
  • hostels and lodging places's hostels and lodging places Topics
  • RTI Activists in Rajasthan.'s RTI Activists in Rajasthan. Topics
  • RTI info warriors in Haryana's RTI info warriors in Haryana Topics
  • DisABILITY Rights and RTI's DisABILITY Rights and RTI Topics
  • Govt Servant, Local Bodies or PSU Employees using RTI.'s Govt Servant, Local Bodies or PSU Employees using RTI. Topics
  • Eco club's Eco club Topics
  • Self Employment in Sport's Self Employment in Sport Topics
  • RTI related to land issue's RTI related to land issue Topics
  • Open SourceTechnology support to RTI's Open SourceTechnology support to RTI Topics
  • TRAP group's TRAP group Topics
  • Odisha RTI Activists's Odisha RTI Activists Topics
  • right to information activists's right to information activists Topics
  • Mumbai's Mumbai Topics
  • RTI ACTIVISTS FROM KARNATAKA's RTI ACTIVISTS FROM KARNATAKA Topics
  • Chartered Accountants's Chartered Accountants Topics
  • ngosamachar's ngosamachar Topics
  • Growing INDIA's Growing INDIA Topics
  • we are all friends.'s we are all friends. Topics
  • RTI for Government employees's RTI for Government employees Topics
  • Dhanus - Pending Salaries's Dhanus - Pending Salaries Topics
  • Insurance Surveyor & Loss Assessors's Insurance Surveyor & Loss Assessors Topics
  • Mahamumbai's Mahamumbai Topics
  • FREE LEGAL HELP AND SUGGESTIONS's FREE LEGAL HELP AND SUGGESTIONS Topics
  • M.Sc/MCA and ME/M.Tech's M.Sc/MCA and ME/M.Tech Topics
  • Corruption's Corruption Topics
  • ASSOCIATION FOR HUMAN RIGHTS & ENVIRONMENTAL PROTECTION's ASSOCIATION FOR HUMAN RIGHTS & ENVIRONMENTAL PROTECTION Topics
  • MAHARASHTRA- ADVOCATE/LAWYERS's MAHARASHTRA- ADVOCATE/LAWYERS Topics
  • INDIAN WOMEN- LAWYERS /ADVOCATES's INDIAN WOMEN- LAWYERS /ADVOCATES Topics
  • minority engineering colleges in maharashtra's minority engineering colleges in maharashtra Topics
  • AAKANKSHA's AAKANKSHA Topics
  • RTI AGAINST INDIAN AIR FORCE MALPRACTISE's RTI AGAINST INDIAN AIR FORCE MALPRACTISE Topics
  • RiGhTs's RiGhTs Topics
  • ram's ram Topics
  • JVG DUPED CUST.'s JVG DUPED CUST. Topics
  • anti corrupt police's anti corrupt police Topics
  • Save Girl in Punjab's Save Girl in Punjab Topics
  • Rent Apartment in US's Rent Apartment in US Topics
  • RTI Kerala's RTI Kerala Topics
  • maharashtra's maharashtra Topics
  • Right Way Of India(RTI)'s Right Way Of India(RTI) Topics
  • Whistle- Blowers against corrupt India's Whistle- Blowers against corrupt India Topics
  • Navi Mumbai's Navi Mumbai Topics
  • electricity curruption in up's electricity curruption in up Topics
  • SHARE n STOCKS trading's SHARE n STOCKS trading Topics
  • WEWANTJUSTICE's WEWANTJUSTICE Topics
  • Civil Engineers-CAD's Civil Engineers-CAD Topics
  • Nitin Aggarwal's Nitin Aggarwal Topics
  • MEWAT EDUCATION AWARENESS's MEWAT EDUCATION AWARENESS Topics
  • ex-serviceman activities's ex-serviceman activities Topics
  • SSCC's SSCC Topics
  • Remove Corrupt Bueraucrates's Remove Corrupt Bueraucrates Topics
  • jharkhand RTI activist group's jharkhand RTI activist group Topics
  • Suhail's Suhail Topics
  • govt.servant's govt.servant Topics
  • RTI Uttar pradesh's RTI Uttar pradesh Topics
  • anti-corruption team's anti-corruption team Topics
  • Manaism's Manaism Topics
  • Insurance's Insurance Topics
  • sonitpur datri sewa samity's sonitpur datri sewa samity Topics
  • indian youth manch's indian youth manch Topics
  • HUDA Co- Operative Group Housing Societies's HUDA Co- Operative Group Housing Societies Topics
  • youth's youth Topics
  • aastha's aastha Topics
  • RTI for Citizens's RTI for Citizens Topics
  • ALL PUBLIC INFORMATION OFFICERS OF INDIA's ALL PUBLIC INFORMATION OFFICERS OF INDIA Topics
  • learn always's learn always Topics
  • R.T.I.'s R.T.I. Topics
  • Karnataka Karmika Kalyana Prathishtana's Karnataka Karmika Kalyana Prathishtana Topics
  • Akhil Bhart anti corruption sangathna's Akhil Bhart anti corruption sangathna Topics
  • MBA, business and new entrepreneur.....'s MBA, business and new entrepreneur..... Topics
  • students seeking help's students seeking help Topics
  • UN-DO CORRUPTION's UN-DO CORRUPTION Topics
  • RTI Corporate's RTI Corporate Topics
  • Electrical group's Electrical group Topics
  • V4LRights's V4LRights Topics
  • Pirated software in GOvt oofice and sc hool's Pirated software in GOvt oofice and sc hool Topics
  • Gaming's Gaming Topics
  • WE Born to help's WE Born to help Topics
  • help the elderly citizen's help the elderly citizen Topics
  • NATIONAL ISSUE's NATIONAL ISSUE Topics
  • Ballygunge Government Hogh School Alumni Association's Ballygunge Government Hogh School Alumni Association Topics
  • Corruption free Country's Corruption free Country Topics
  • surajyam's surajyam Topics
  • kanpurvictims's kanpurvictims Topics
  • Railway Group A Services's Railway Group A Services Topics
  • RTI BALLIA's RTI BALLIA Topics
  • Encroachment of public property by private giants's Encroachment of public property by private giants Topics
  • Case Status - Anti Corruption's Case Status - Anti Corruption Topics
  • RTI ACTIVISTS FROM MEERUT's RTI ACTIVISTS FROM MEERUT Topics
  • Aam Aadmi (The Common Man)'s Aam Aadmi (The Common Man) Topics
  • Court Marriage in Punjab's Court Marriage in Punjab Topics
  • ALL's ALL Topics
  • Youth India Social Group (YISG)'s Youth India Social Group (YISG) Topics
  • ye kya fandda h's ye kya fandda h Topics
  • mindset's mindset Topics
  • anti corruption's anti corruption Topics
  • activism's activism Topics
  • common's common Topics
  • state group's state group Topics
  • social help group's social help group Topics
  • landlords of uttar pradesh's landlords of uttar pradesh Topics
  • Concern Citizens Forum for India's Concern Citizens Forum for India Topics
  • edusystem's edusystem Topics
  • Ratna Jyoti's Ratna Jyoti Topics
  • development in indian village's development in indian village Topics
  • technovision's technovision Topics
  • Mighty India's Mighty India Topics
  • Against Corporate Fraud's Against Corporate Fraud Topics
  • Stop crime's Stop crime Topics
  • PUBLIC INTEREST LITIGATION.'s PUBLIC INTEREST LITIGATION. Topics
  • NVS - Navodaya Vidyalaya Samiti's NVS - Navodaya Vidyalaya Samiti Topics
  • Authenticated Public Plateform's Authenticated Public Plateform Topics
  • shalin's shalin Topics
  • terminater's terminater Topics
  • RTI Wind Energy's RTI Wind Energy Topics
  • AMICE (INDIA)'s AMICE (INDIA) Topics
  • HELPING HAND !'s HELPING HAND ! Topics
  • Go..................?'s Go..................? Topics
  • Co-Op Housing Society's Co-Op Housing Society Topics
  • we are equal's we are equal Topics
  • Phoenix Deals's Phoenix Deals Topics
  • AHMEDABAD ACTIVISTS's AHMEDABAD ACTIVISTS Topics
  • Theft Cases in chandigarh's Theft Cases in chandigarh Topics
  • Economically Weaker Section Certificate & Benifits's Economically Weaker Section Certificate & Benifits Topics
  • Solar Systems's Solar Systems Topics
  • Get aware about ur Education and related rights's Get aware about ur Education and related rights Topics
  • Save Mumbai's Save Mumbai Topics
  • Complaints to MCD & Delhi Jal Board's Complaints to MCD & Delhi Jal Board Topics
  • ashayen's ashayen Topics
  • unemployment's unemployment Topics
  • Employee Solution's Employee Solution Topics
  • is kanpur university against sc/st's is kanpur university against sc/st Topics
  • URBAN PLANNER PROFESSIONAL's URBAN PLANNER PROFESSIONAL Topics
  • RTI HELP INDIA's RTI HELP INDIA Topics
  • prayatna's prayatna Topics
  • Parking woes's Parking woes Topics
  • Helping RTI INDIA web development's Helping RTI INDIA web development Topics

Categories

  • Uncategorized
  • Section 18 (1)
  • Section 11
  • For Common Man
  • Section 16
  • Section 2(h)
  • Section 8 (1)(j)
  • Simplified RTI
  • Government Employee and RTI
  • RTI Act 2005
  • Success Stories
  • Exempt Organisation
  • DG IT
  • Section 8 (1) (e)
  • Section 2 (h) (d) (i)
  • Supreme Court Decisions
  • Section 2 (j) (i)
  • Section 2
  • Section 8
  • Section 20
  • Section 19
  • SIC Punjab
  • High Court Decisions
  • Section 9
  • Section 24
  • DoPT
  • RTI Awareness
  • Section 6 (3)
  • Section 6
  • Section 2 (f)
  • Opinion
  • Department of Posts
  • Ministry of Railways
  • Departments
  • Ministry of Home Affairs
  • Ministry of Corporate Affairs
  • Ministry of Law & Justice
  • Government of NCT of Delhi
  • Delhi Police
  • Ministry of Human Resource Development
  • Staff Selection Commission
  • Court Decisions
  • CIC Decisions
  • Activism
  • Section 25
  • University
  • Section 7
  • Ministry of Agriculture
  • Section 3
  • RTI Discussions
  • Section 19 (8) (b)
  • BSNL & MTNL
  • Section (1) (d)
  • Section 8 (1) (d)
  • DIrectorate of Education
  • Govt of NCT of Delhi
  • Cooperative Housing Society
  • RTI for School
  • Member RTI
  • Municipal Corporation
  • Ministry of Defence

Categories

  • RTI Directory
  • Important RTI Decisions
  • Other Important Court Decisions
  • Sample RTI
  • Acts & Circulars

Blogs

There are no results to display.

There are no results to display.

Calendars

There are no results to display.

There are no results to display.


Find results in...

Find results that contain...


Date Created

  • Start

    End


Last Updated

  • Start

    End


Filter by number of...

Found 24 results

  1. shashi bhushan bharti

    motor insurance claim

    i want to know whether we get interest on delayed payment of motor insurance claim which is delayed by almost 8 years.
  2. Hello, Dear Sir/Madam, I lost my two wheeler,now the insurance co. asking me for 100no. call details so just wanted to ask you how can I get the 100no. call details , I already make FIR & got the untraced report also form the court.
  3. Reported by Priya Nair and Ashley Coutinho in Business-standard.com on May 24, 2015 Fine print in govt-promoted insurance schemes | Business Standard News A few days earlier, three government policies - Pradhan Mantri Suraksha Bima Yojana, Pradhan Mantri Jeevan Jyoti Bima Yojana and the Atal Pension Yojana - were launched with much fanfare. These primarily aim at affordableinsurance to the low-income segment. At first glance, these appear attractive, with the low contributions required and that the premiums for both life and accident insurance policies are likely to remain the same for at least three years. And, these are open to all savings bank account holders, not only Jan Dhan account holders. Yet, for all their benefits, each of these schemes do have their share of flaws, some more glaring than others. "Banks will push the schemes to meet their targets but my advise is to buy only if you are not adequately covered," says Manikaran Singal, a Chandigarh-based financial planner. According to Nilesh Parmar, chief operations officer, Edelweiss Tokio Life Insurance, processing of the claims might become a problem for the companies offering these schemes. "Since there is no requirement for medical tests, those with health problems might opt for these, which can make execution difficult for the insurers," he says. He adds the companies are already seeing a significant number of claims from those registered with the Jan Dhan Yojana and, therefore, eligible for a free term cover of Rs 30,000 and accident cover of Rs 1 lakh. Let's take a closer look at the benefits and flaws in these schemes: The Pradhan Mantri Jeevan Jyoti Bima Yojana offers a one-year-term life insurance scheme, renewable annually. It is open for all savings bank account holders aged between 18 and 50 years. The sum assured is Rs 2 lakh, to be paid in case of death for any reason. The annual premium payable is Rs 330, to be debited from the bank account if you enrol before May 31. Late enrolment is possible up to August 31, which may be extended for another three months. Those joining subsequently may be able to do so with payment of full annual premium for a prospective cover, with submission of a self-certificate of good health in a prescribed format. Benefits: Apart from the low premium, one big advantage of the life insurance scheme is no requirement of a medical test and almost nil documentation, since these are linked to your bank account. "In most other plans, there is lot of documentation and medical examination. Here, all you require is a self-declaration. So, it is a positive from the customers' point of view," says Parmar of Edelweiss Tokio. The usual restriction of the sum assured not being paid in case of suicide within one year does not apply. Fine print: By the thumb rule of taking a life cover equal to 10 times one's annual salary, a cover of Rs 2 lakh might only be sufficient for someone earning Rs 2,000 a month. "For the ordinary middle class, it might make sense to purchase an online term insurance plan. If employed, they are probably already covered under group term schemes, which charge a lower premium," says Saji George, co-founder, Policylitmus.com. Term life insurance under the Jeevan Jyoti Bima Yojana is available at Rs 1.445 per Rs 1,000 sum insured. This is almost double the current commercial group policy rates, which vary from Rs 0.75 to Rs 1.25 per Rs 1,000 sum insured. "It appears the ordinary citizen buying life insurance cover under the Yojana is being overcharged," says George. Assuming the same ratio of Rs 330 premium for a sum assured of Rs 2 lakh, the premium for a term plan with sum assured of Rs 1 crore, would work out to Rs 16,500, not very cheap, points out Deepak Yohannan, chief executive officer (CEO), Myinsuranceclub.com. The life cover ends at age 55. This means those wanting to extend their cover might have to buy a new term plan from the market, which can prove very expensive. A term plan for sum assured as low as Rs 2 lakh is not available unless under micro insurance. "You might get a life cover of Rs 2 lakh only through endowment or Ulip (unit-linked insurance) policies, where the premium for a Rs 2 lakh cover will be at least Rs 20,000 per annum," says Singal. Adds Yohannan: "Most deaths happen after 55 years of age. So, if coverage stops at 55, the risky part of the business is removed for the insurance companies. It is almost zero risk for them. The plan might make sense only for those who are 40 years and above." Another disadvantage is that the premiums are subject to change after three years. So, if there are a huge number of adverse claims, the premiums could increase. In a regular term life plan, the premium remains the same through the tenure of the policy. The Pradhan Mantri Suraksha Bima Yojana is a personal accident cover, along with a permanent disability benefit, offered by general insurance companies. It is open to anyone between the age of 18 to 70 years. The premium is Rs 12 per annum. Benefits: Even if an accident does not result in death but causes permanent disability, resulting in irrecoverable loss of use of both eyes or hands or feet, an amount of Rs 2 lakh is paid by the participating insurance company. Says George of Policylitmus: "A premium of Rs 12 per annum for an accident policy that pays Rs 2 lakh and has permanent disability benefits is good value for money. Irrespective of whether one holds any other personal accident policy or not, it makes sense to pay Rs 12 under this scheme." Fine print: The low cover might not attract many from the middle and upper-middle class. Also, the amount of cover is reduced to Rs 1 lakh if the accident causing the permanent disability results in irrecoverable loss of only one eye or one hand or one foot. The Atal Pension Yojana (APY) is a scheme focused on workers in the unorganised sector. The minimum period of contribution by the subscriber would be at least 20 years. Subscribers have the option to make monthly contributions. Those between 18 and 40 years of age are eligible. The scheme offers a guaranteed minimum pension of Rs 1,000, 2,000, 3,000, 4,000 and 5,000 per month, depending on the contribution. APY will replace Swavalamban Yojana (NPS Lite), which did not find many takers. Those registered with the latter will be automatically migrated to APY, with the choice of quitting it. Benefits:"For any age band, the back-dated returns for this scheme come to about eight per cent, both for the accumulation and distribution phase. This is a fairly good commitment from the government, considering the rates are locked in for 50-60 years," says Manoj Nagpal, CEO, Outlook Asia Capital. Government's co-contribution is available for five years, from 2015-16 to 2019-20, for subscribers who join between June 1 and December 31, 2015. This benefit is available only for those not covered by any statutory social security schemes and are not income tax payers. The government will co-contribute 50 per cent of the total contribution or Rs 1,000 per annum, whichever is lower. Fine print: The amounts collected under APY are managed by pension funds appointed by the sector regulator, in line with the investment pattern specified by the government. Unlike the National Pension System (NPS), the subscriber here has no option to choose either the investment pattern or the pension fund. "The scheme is mostly targeted at the unorganised sector and the government is assuming these investors will not be savvy enough to choose between fund managers," said Sandeep Shrikhande, CEO, Kotak Pension Fund. APY has a more rigid structure than NPS when it comes to making an exit. Exit before 60 years of age is not permitted, except in the case of death of beneficiary or terminal disease. In NPS, investors are allowed to withdraw 20 per cent of the pension wealth in a lumpsum before turning 60, so long as the remaining 80 per cent is used to purchase a life annuity from an insurer. It also allows for partial withdrawal of up to 25 per cent of the contribution after 10 years by the subscriber, for higher education, marriage of children, purchase or construction of residential house/flat and treating specified diseases. If you fail to contribute for six months, your account will be frozen; after 12 months, it will be deactivated, and after 24 months, closed. "There could be a lot of inactive accounts since the scheme is targeted at the mass population. It is not clear what will happen to these accounts and whether the money will be paid back to the person or not," says Nagpal. There's also a penalty of between Rs 1 and Rs 10 per month for delay in contributions. HITS & MISSES PRADHAN MANTRI JEEVAN JYOTI BIMA YOJANA Hits Low premium No medical test or check required Minimal documentation Misses Expensive compared to current commercial group policies Coverage stops at 55 Premiums to increase after 3 years PRADHAN MANTRI SURAKSHA BIMA Hits Good value for money at Rs 12/annum Full payout even if person doesn't die Misses Cover too low for middle-class ATAL PENSION YOJANA Hits Attractive returns for the long haul Government co-contribution for five years Misses No option to choose investment pattern or fund manager Exit not possible, except in case of death or terminal disease Account can be frozen or deactivated if payment irregular
  4. As a consumer of liquefied petroleum gas (LPG) or cooking gas, you are protected for accidental death and injury in case the gas cylinder bursts. In their Citizen Charter, both Indian Oil Corp (Indane Gas) and Hindustan Petroleum Corp Ltd (HP Gas) maintain that "All registered LPG consumers are covered under an insurance policy taken by the public sector undertaking (PSU) oil Companies." There, however, is no mention of any amount either for the coverage or the annual premium. In addition, all LPG distributors also have third party liability insurance to cover losses in the event of an LPG accident, the Citizen Charter says.Read more at; LPG Consumers - Moneylife
  5. Insurance sector regulator IRDAI has imposed a penalty of Rs 5 lakh on National Insurance Company Limited for violating certain norms. It said the insurer gave incorrect information to an insured person in their reply to RTI with regard BOI National Swasthya Bima Policy. "This shows a casual approach on the part of the Insurer and a non professional manner of dealing with RTI matters," IRDAI said. Read at: Rs 5 lakh fine on National Insurance Company | Business Standard News
  6. Hello, Is RTI applicable to Insurance Information Bureau ?(https://iib.gov.in) It was established by IRDAI and continuing the funding through grants
  7. kumara3965

    Rti covers hdfc insurance

    Hello, IS HDFC LIFE INSURANCE COMPANY COMING UNDER RTI ACT
  8. Ravi Shankar Agrawal

    consumer case against insurance company

    Hello, Sir, my motor cycle has been stolen and the oriental insurance company denied for the claim and i moved to consumer court in sundargarh Odisha but still waiting for decision.
  9. Hello,y My parents are covered by mediclaim policy of National Insurance Company. In Feb'14 they were admitted to Aryavaidya Sala , Kottakal for treatment. We filed reimbursment claim with the TPA. Today they sent us letter rejecting the claim, saying that Ayurvedic treatment is not covered in policy However in April they have renewed the policy and included Ayurvedic treatment and increased premium also. Please let me know what can be done. regards Sia HS
  10. The dependants have full rights to receive entitlements occurring due to natural death while an employee dies during office hours. The ESIS has not been treating natural deaths like heart attack to have been caused due to stress and strain of employment and therefore such claims have been rejected. The Bombay high court ruled that natural death too is an employment injury under ESIS and entitled for all claims. This ruling regarding employment injury under ESIS is sure to help many who have been denied the due claims from such natural deaths. In the recent ruling given by Bombay High court having far reaching implications, it has decided that under Employees State Insurance Corporation (ESIS) Act, accident that arose in the course of an person's employment, it is to be presumed, in the absence of evidence to the contrary, that the accident has arisen out of that employment and the dependents are entitled to get the benefits. Section 51A of ESIS Act Section 51A which was added by Amendment Act No.44 of 1966 provides thus : "51-A Presumption as to accident arising in course of employment. For the purposes of this Act, an accident arising in the course of an insured person's employment shall be presumed, in the absence of evidence to the contrary, also to have arisen out of that employment." Natural death also an employment injury under ESIS The Bombay High Court has ordered Employees State Insurance Corporation (ESIS) to pay within a month the claim amount to a 40-year-old housewife whose husband died of cardiac arrest in a factory. The order was passed by justices K R Sriram and V M Kanade, on September 5, on a petition filed by the widow of Bharguram Mahadik, who worked as a fitter on a meagre salary of Rs 6,000 with Dhanwantari Engineers Pvt Ltd. Bharguram was registered with ESIS scheme. On March 27 last year, he complained of chest pain and his colleagues took him to a resting area within the factory premises and asked him to rest for a while. As his condition worsened, he was rushed to the Navi Mumbai Municipal Corporation at Vashi. The provisional cause of death in the certificate issued on the same day mentioned that the insured was "brought dead" to the Hospital. The Insured was declared as dead by the Medical Officer of NMMC Hospital and the cause of death was mentioned as "Acute Myocardial Infarction". At the time of death he was about 50 years old. The employer of the insured raised a claim for the dependents under the ESI Act on April 11, 2012 but it was rejected by ESIS on May 14. One of the ground said that the deceased cannot be treated as an employee under the ESIS Act. The ESIS refused to pay the claim, saying that the injury sustained by the employee cannot be treated as an Employment injury under the Act. It further said the insured person had died of natural causes and the death was not related to stress and strain of work. Husband died due to heart attack The entire defence of the respondents is that the petitioner's husband died due to heart attack and it is not an employment injury. The court used the same argument against the ESIS stating that there is no controversy with regard to the death of the petitioner's husband other than the one stated by the petitioner and the medical report relied by both the parties, presumption under Section 51-A of the Act squarely applies to the facts of this case and it has to be held that the death of the petitioner's husband has happened only during the course of the employment and in the factory premises/rest room, by applying Notional Extension Theory. The petitioner is therefore, entitled to get the dependents' benefits. You may be interested in participating on our forum discussions regarding ESIS here.
  11. AnamikaShah

    Insurance claim

    Is it not unfair that if u pay insurance premium for 10 yrs but fail to pay the last installment the whole policy lapse and u loose all the money u have paid so far WHY.
  12. Dear Members, This is regarding the reimbursement amount given by motor insurance companies. Whenever we claim an amount, these companies say, we'll give 50%, 70%, 80% etc and 100% only in few cases of the claim amount. I am just wondering where are these guidelines available which gives a customer an insight that which part of a motor vehicle deserves how much percentage of claim. There is no such booklet which these companies provide along with the insurance bond/ form, so how to get that information. Thanks, Yogesh
  13. imran_khan786

    RTI on National insurance company

    Sir I have worked for NIC as an agent for the year 2010-11, but they haven't paid me my commission amount and whenever i go to the office they give me some reason for the delay and ask me to wait for some time but it has been more than one year. even some of my fellow agents have got there commission can i file an RTI in this matter to know what's going on and why i am not paid my money till date and also who is the person responsible for this delay Also please guide me to whom i need to pay RTI fees, i.e. personally deposit the fees to cashier /accountant in NIC office or through draft/postal order? Also please tell me who should this fees be in favour of?
  14. I am filing an RTI against National insurance company, Faridabad by registered post but i am not clear to whom should the amount of Rs 10/- be favouring, should it be cashier national insurance company or accounts officer national insurance company. Also can i submit my RTI at post office's PIO or not? If yes, then should it be sealed in an envelope or open? will the post office PIO give me acknowledgement or not? Please reply Thanks
  15. I want to submit a application under RTI to The New India Assurance Co. Ltd and for that I searched the site of the company. There the name of the concerned authority, the contact nos and email id is given but no postal address. How can I submit my application?
  16. My company paid premium to Export credit Guarantee corporation to cover loan given by Canara Bank, and paid some claims to canara Bank, we applied to ECGC to know what amount has been settled which is denied saying we are not party to it. I have uploaded application and reply recieved Kindly help Rajesh Jain ECGC RTI decision.PDF ECGC calim RTI MCL.doc
  17. prateekjas

    Regarding IRDA license

    Sir, I am insurance agent and have passed IRDA exam in 2005. I am currently associated with SBI life. But I am getting a job and have to leave SBI life. I want to know if I can change the IA(insurance advisor) code of all my policy holders to some another IA agent as it done in mutual fund via NOC because I have leave the SBI Life and all my policyholders will need a IA to help them in their various transaction If the above is not possible, whether it is possible to convert the license in the name of "Karta" of family
  18. A false hit and run case has been registered against me. The complainant is working with a govt. organization and has shown his income as 50000/- per month in his complaint to get a handsome amount of money from me through the court. I would like to confirm his income from govt. organization. Can I do that under RTI act? If yes, could someone inform me the complete procedure for that?
  19. Hi, In September 2008 I took a MetLife ULIP and gave instructions for Electronic Clearance System (ECS). Only for the first month MetLife debited money from my SB account. However, for the October, November, and December they did not deduct the amount. In January 2009 I reminded they for not activating my ECS request and paid the amount that was due for three months. And the MetLife assured that my ECS will be activated without fail. But from the very next month February 2009 they did not activate and get the money from my account. Since then (February 2009) I have been reminding them through my investor about the pending ECS activation. They did not respond. In July 2009, I escalated this issue to the higher-ups of MetLife. Then I got a response from the MetLife executives. Now, they are asking me to pay the due amount since January 2009, otherwise my policy will get lapsed and I will not get the money whatever I had invested. I opted for the ULIP Systematic Investment Policy (SIP) because I couldn't pay the lump sum amount. My question is, when there is a fault with the insurance company, why should I pay the hefty amount as due now? Can I approach any government authority, like IRDA to take action on MetLife on failing activating ECS request? Please advice.
  20. scorjob

    consumer complaints

    i found a website about complaints regarding consumer problem and found this will be usefull to others i need reply (posting of external links is not allowed)
  21. Hi Friends, I am Uday Prabhu, Industrial Consultant based at Mumbai, having in depth knowledge & practical experiences in handling of below mentioned laws & its remedies including seeking information under RTI Act of 2005. 1] RTI Act of 2005. 2] Consumer Protection Act of 1986. 3] Cooperative Society's Act & Bye laws +Co related acts. 4] Customs Act of 1962 along with various other connected laws including Service Tax, FEMA , COFEPOSA /Foreign Trade Dev Act of 1992 , SEZ Acts etc. 5] Banking & Corporate Laws including IPR etc. 6] Criminal Laws including Negotiable Instrument Acts, Cr PC, IPC etc & other miscellaneous laws. You can call me any time on my Mobile No: xxxxxxxxxx or email me at ; xxx@yyy.zzz. Uday Prabhu. xxxxxxxxxxxxxxx
  22. Many members of this forum have been successful in obtaining information from Pvt Banks and companies through their respective regulatory bodies. The extent of information which can be sought is still vaguely defined. Could learned members such as Sidmis and others please come forth and reveal as to what exact information was sought by them and what was given. I intend for this thread to act as a reference point to see as to what exact details can be sought for from these regulatory bodies.
  23. As reported by Vijay Sabharwal of TNN in timesofindia.indiatimes.com on 12 June 2008: Bank insures farmers without their consent-Chandigarh-Cities-The Times of India Bank insures farmers without their consent KURUKSHETRA: A glaring case of misuse of power by the officers of Kurukshetra Central Cooperative Bank has come to light as under an alleged pact with some companies they got as many as 53,352 farmers jointly insured and debited the premium amounts from their accounts without their knowledge. The officers continued to buy and pay for these policies for four years and took out premium amounts worth about Rs 31.19 lakh from the farmers' accounts by recovering the money as loans. In the year 2003, 1,754 farmers of Markanda cooperative society, Shahbad Markanda, and 738 farmers of Kaithal cooperative society were insured and premium amounts worth Rs 1.39 lakh were debited from their accounts. The farmers thought it was some government-sponsored scheme and did not object to it, which provided encouragement to the officers who introduced their self-styled 'welfare' scheme into various other cooperative societies during the next year. These surprising facts came to light recently when a farmer-cum-social worker Gulab Singh sought information regarding this issue under Right to Information Act from Kurukshetra Central Cooperative Bank managing director. According to the reply, officers of cooperative societies got 25,715 members of 24 farmers' cooperatives insured in the year 2004, for which premium amounts worth Rs 15.05 lakh were debited from farmers' accounts by adding those to the loan taken by them. Similarly, in the year 2005, as many as 17,594 farmers, who were members of 16 cooperative societies, were insured by paying premiums worth Rs 10.24 lakh. In 2006, 7,551 members of Ajrawar, Thaski, Miranji, Rohti, Jakhwala, Ismailabad, Amin and Jyotisar cooperative societies were insured and premiums worth Rs 4.50 lakh were debited from their respective accounts.
  24. I am putting up a case,which is yet to reach fruitful conclusions but should have ramifications for all vehicle owners. A scooter was lost on 06 mar 2006,stolen from owner's premises,and it took more than 18 months to get the claim money,that too with repeated direct intervention of the corporate GM.During this intervening period,a number of demands for compliance by the owner were raised ,namely:- =letter to RTO -letter to police for FIR =lrtter to Insurance company with a copy of FIR =letter to national crime records bureau On comletion of above:- =Get a copy of Final Report from police station for His Highness the surveyer,appointed and paid by the insurance company,and any other witnesses,documents he may require,cooperate with him. =hand over orginal insurance polcy,both set of keys,maintenance records,pollution records to the insurance company. =Get Final Report accepted and released by the Chief Judicial Magistrate,for which one has to hire an advocate and run around in civil courts. =Get a notorised Letter of Subrogation on Rs100/-non judicial stamp paper and pay all sundry expenses beside running around in the court. After above,once again:- =letter to NCRB for updated report. =letter to RTO,Police,NCRB(once again)informing settlement of claim(claim is miles away from settlement) =Transfer of Registration(RC)of vehicle to the insurance company.(of corse all expenses to be met by the owner) The owner refused to run around for transfer of RC,instead couriered Motor Vehicle Act transfer forms 29 and 30 and original RC to the company and a letter and another set of forms29 and 30 to RTO. The insurance company refused to pay the legitimate cheque till RC was transferred in the name of company. Having had enough of arrogance and intended delaying tactics of the United Insurance co,an RTI appliction was handed over to the Div Officer (acknowledgement with his signs obtained)RTI was filed on30 Apr2007,asking for"govt regulations/rules/contractual clauses duly agreed upon by me/IRDA approved actions to be taken by the owners of the vehicle in case of a theft" Expectedly no official reply to RTI application,except dated 03may stating it has been sent to CPIO. Like I said,money has been finally extracted from the co under pressure from the highest in the co.The sufferer in this case was an 83 YEARS OLD RETD. LTCOL. I seek your advice friends,paticularly Dr Pathak.In this case,the question is not only money involved but more importantly of ethics. Should the owner put up application to CIC next,or start case afresh from PIO/CPIO,though I can assure you nothing will happen at PIO/CPIO company level because these people have nothing approved with them and have lived with CHALTA HAI attitude to generate chai pani.
×
×
  • Create New...

Important Information

By using this site, you agree to our Terms of Use & Privacy Policy