போராட்டக்களத்தில் பூத்த செம்மலர்

     

        சுதந்திர இந்தியாவில்  நடத்தப்பட்ட 245 தனியார் இன்சூரன்ஸ் கம்பெனிகள்        ( இப்போது இருக்கிற தனியார் இன்சூரன்ஸ் கம்பெனியைப் போல்) மக்களின் சேமிப்பு நிதியை கொள்ளையடிப்பது, பாலிசிதாரர்களுக்கு சரியான முறையில் உரிமங்கள் வழங்காமல் ஏமாற்றுவது போன்ற செயல்களைத் தான் செய்து வந்தன. அன்றைக்கும்  அதை தட்டிக்கேட்கவேண்டிய அரசு கண்டு கொள்ளாமல் தான் இருந்தது. இது போன்று மக்களை ஏமாற்றும் தனியார் முதலாளிகளின் செயல்பாடுகளை  பொறுத்துக்கொள்ள முடியாத அந்த  தனியார் இன்சூரன்ஸ் கம்பெனிகளில் வேலை செய்துவந்த ஊழியர்களெல்லாம் சேர்ந்து 1951 - ஆம் ஆண்டு ஜூலை 1 -ஆம் தேதி அன்று அன்றைய பாம்பே - இன்றைய மும்பையில் தாதர் என்ற பகுதியில்  நடந்த ஜூன் 30 மற்றும் ஜூலை 1 தேதிகளில் நடந்த தொடக்க மாநாட்டில் அகில  இந்திய இன்சூரன்ஸ் ஊழியர் சங்கம் தொடங்கிவைக்கப்பட்டது. 

                   இந்த சங்கம் ஊழியர்களுக்கு ஊதிய உயர்வு கோரியோ, போனஸ் கோரியோ, பதவி உயர்வு கேட்டோ தொடங்கப்பட்டச் சங்கமல்ல. மக்களின் நிதி கொள்ளை போவதை தடுக்க, தனியார்வசம் இருக்கும் இன்சூரன்ஸ் துறையை தேசவுடைமை செய்ய வேண்டும் என்கிற கோரிக்கையோடு தொடங்கப்பட்டச் சங்கம் என்பது பெருமையளிக்கக்கூடிய அம்சமாகும். போராட்டக்களத்தில் பூத்த செம்மலர் தான் அகில இந்திய இன்சூரன்ஸ் ஊழியர் சங்கம் என்றால் அது மிகையாகாது. அதனால் தான் இந்த சங்கம் இன்றைக்கும் இந்தியாவில் உள்ள தொழிற்சங்கங்களுக்கு எல்லாம் வழிகாட்டும் சங்கமாக விளங்குகின்றது.

                  இந்திய இன்சூரன்ஸ் துறை 1956 - ஆம் ஆண்டு  தேசவுடைமை செய்யப்பட்டதற்கு  - பொதுத்துறை எல். ஐ. சி தொடங்கப்பட்டதற்கு  அகில இந்திய இன்சூரன்ஸ் ஊழியர்சங்கம் நடத்திய தொடர் போராட்டமே காரணம். வழக்கம் போல் - மற்ற தொழிற்சங்கங்களைப் போல் ஊழியர் நலன்களில் மட்டும் அக்கறை காட்டாமல், அதையும் தாண்டி கடந்த அறுபது ஆண்டுகளில் ஏகாதிபத்திய எதிர்ப்பு, தேச நலன், மக்கள் சேவை, சமூக மாற்றம், தீண்டாமை ஒழிப்பு, பெண் விடுதலை, பொதுத்துறை எல். ஐ. சி. பாதுகாப்பு  என பல்வேறு போராட்டங்களையும் இயக்கங்களையும் நடத்திவருவது மட்டுமல்லாமல், தன்னுடைய உறுப்பினர்களை  ஒரு சமூக சிந்தனையாளர்களாகவும், தேசபக்தர்களாகவும், முற்போக்கு சிந்தனையாளர்களாகவும் வளர்த்து உருவாக்கி இருக்கிறது என்றால் அது மிகையாகாது. இந்த சங்கத்தில் உறுப்பினர்களாக  இருக்கிறோம்  என்பதே பெருமையளிக்கக்கூடிய விஷயமாகும். 

                இன்று வைரவிழா காணும்  அகில இந்திய இன்சூரன்ஸ் ஊழியர் சங்கத்தை மேலும் பலம் சேர்த்து, மேலே சொன்ன அத்தனைப் போராட்டங்களையும் முன்னெடுத்துச் செல்வோம். செங்கொடியை உயர்த்திப் பிடிப்போம்...

                  அகில இந்திய இன்சூரன்ஸ் ஊழியர் சங்கம் வாழ்க...

July-1 aiiea formation day

The 61^st formation day of AIIEA on July-1 was celebrated in a befitting manner by Insurance Corporation Employees Union, Chennai Division-I.  The call given by aiiea to celebrate the formation day was fully implemented. On July 1^st  when the office started functioning  in the morning  chocolates were distributed to all class of employees in all offices under Chennai division-I. Rose flowers were distributed to all the women employees of the division including class.I officers. The chocolates were distributed to the visitors of the branches, division and zonal office. In the after noon pledge was administered in all the 23 units. At LIC Building, Anna salai, Chennai the pledge was administered by the Divisional General Secretary Com.S.Ramesh Kumar. Com.N.M.Sundaram leader of AIIEA hoisted the AIIEA flag in the middle of thunderous sloganeering. Com.NMS addressed the gathering. More than 350 comrades attended the meeting. He narrated the formation and growth of our beloved organization. He emphasized the need for the younger generation to have a social outlook and asked them to emulate the great leaders of our organization such as Com.Saroj, Com.Sunil and com Manchanda. He lauded the women’s sub-committee of Chennai division-I for the innovative initiative of asking all the women comrades to wear red saree on july-1, which was readily obliged by all women comrades. Com.G.Jayaraman, president of ICEU, Chennai division I presided the meeting. The celebrations enthused all the comrades of the division.

UPA directly responsible for price rise: CPI-M

Condemning the government's refusal to reconsider the decision to increase fuel prices, the Communist Party of India-Marxist (CPI-M) Sunday charged the Congress-led government with being "directlyresponsible" for the rise in food prices.

The CPI-M also slammed the government for not reconsidering the steps being taken to deregulate petrol and diesel prices, saying "the the deregulation of prices are meant to help the private oil companiesand put the people at the mercy of a market-controlled by the multinational oil companies and the domestic corporates".

"By these steps, the Congress-led government isdirectly responsible for the spiralling price rise of food items and essential commodities," the CPI-M politburo said after its two-day meeting here.

Appealing to the people to join the all India shutdown Monday, the party said: "This powerful all India protest action should serve as a warning to the government not to heap burdens on the people and to withdraw theprice hike measures."

Scrap fuel price deregulation, demands CPI-M

The Communist Party of India-Marxist (CPI-M) Monday asked the central government to scrap deregulation in petrol pricing, after public sector oil companies increased prices twice in the past three weeks.

"By deregulating petrol pricing, the government has opened the way for successive hikes in prices," the CPI-M politburo said.

"The public sector oil companies have increased the price of petrol by 70 to 72 paise per litre. This follows an increase of 27 paise per litre in September. The price of petrol has already been increased by Re.1 per litre in the space of three weeks," the politburo said in a statement here.

The CPI-M said the rise in petrol prices will further add to inflation.

"The people who are suffering from continuous food inflation will be more burdened. There is no transparency in the decision making," it added.

Witholding information from insurer may result in claim rejection

 Insurance is a unique product. It is intangible and does not offer any immediate gratification. It is sold on the basis of promises made by insurers for events that may occur in the future and the policy document is a contract between the insurance company and the insured which provide for payment in case certain conditions are fulfilled.

The simplest of these conditions is completion of policy tenure. Other ‘conditions’ depend on a set of information provided by the insured and insurers generally take them on face value during the sale. But wrong information or truth withheld by consumers may make the contract void — making the consumer lose the benefits of that policy. Therefore, a great deal of the onus lies on the policyholder to ensure a hassle free on-time claim settlement. If the policyholder has been honest and true to the insurance company, he/she will get the benefits when needed. Otherwise, whatever may be the case, it’s the policyholder who loses on the benefits.

Therefore, first and foremost it is prudent to buy right and be aware of what one is buying. As a customer, one must be clear about the policy details, its features and benefits before one actually decides to buy the policy. A diligently adhered to check list minimises the risk of claim rejection.

As a customer one should never ever sign on a blank proposal form and leave the filling up to the agent. Such a practice leaves room for incorrect and incomplete information going to the insurance company. Fill the form yourself, if required with the agent’s help. Keep a photo copy of the form after having filled it. Most of the companies provide the scanned copy of proposal form as part of policy pack.

Also make sure you disclose all medical facts in the proposal form, as well as correct occupation and income. Correct date of birth along with valid age-proof is necessary for incorrect date of birth may lead to loss of full or partial claim benefits.

Insurance is the business of covering the probability of an individual getting sick or dying. In insurance lingo this probability is referred to as risk —higher the risk higher the premium. A person with high risk paying low premium by withholding critical information is like traveling with a short journey ticket, which is liable for penalty.

Nevertheless, it is also the duty of the agent to facilitate the policy holder’s family in submission of claim documents, filling up of forms. That is the time when the claimant/nominee need agent’s and insurers help the most. Life insurance above all is a contract of trust where policyholder should facilitate decision making by providing all the relevant information (medical and financial).

Always declare nominations at the proposal stage and keep the company informed at all times regarding any change in nomination as and when it happens. This helps in faster settlement of claims.

Pay premiums through account payee cheques instead of cash and insist for acknowledgment receipt from agents. If you are paying cash, preferably pay it at the life insurer’s office.

On receipt of the policy document, please read all the details and compare it with the proposal form to make sure that all the facts are in order. If not, you may get back to the insurer informing them about the differences. Regulations provide 15 days freelook period from the date of receipt of policy pack.

One should also keep in mind a few do’s and don'ts during the claims stage for speedy and smooth settlement. Submit all the required claim documents together. Details of documents required for claims settlement as well as the claims forms are available with the policy pack, with agent advisor, life insurer’s offices and on almost all life insurers’ websites.

Submit your documents as soon as possible because delay in submission may lead to delay in evaluation.

Above all, pay your premiums on time for a lapsed policy does not provide any claim benefits.

இன்னும் என்னவெல்லாம் முடியுமோ
அத்தனை கொடுமைகளையும்
செய்து முடியுங்கள்---ஆனால்..
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உங்கள் அராஜகம் என்னை
அச்சுறுத்திவிடாது .

நான் ஒரு போதும் சோர்ந்து விழப்போவதில்லை

என் இறுகி மூடிய கைகளுக்குள்
ஒரு விதை ...ஒரு சின்னஞ்சிறு உயிர் வித்து

அதை நான் பத்திரமாகக் காத்து வைத்துள்ளேன் .

அதை எம் மண்ணில் மீண்டும் விதைப்பேன்

அதுவே என் நம்பிக்கை 

Braking point: Motor insurance claims drive losses of PSU insurers

New Delhi: Public sector Oriental Insurance Company expects its balance sheet to show a huge jump in underwriting losses in its forthcoming results, due to an over 200% rise in motor insurance claims. Responding to the crisis-like situation, the insurance regulator is expected to drastically revise the premium for the compulsory segment of motor insurance, also known as third-party cover, this month.

The situation has been brought on as under the Motor Vehicles Act, owners of all commercial and passenger vehicles have to get themselves insured against claims for causing injury or damage to others. Own-damage claims are optional under insurance laws. Because third-party cover is a loss-making portfolio, private sector insurance companies avoid taking on premium for only such cover, but a large percentage of old private and commercial vehicles want only this insurance.Oriental and the other three public sector companies have to compulsorily take on such premium. As a result of the huge concentration of third-party cover in their motor insurance portfolio, the companies are bleeding.

For 2008-09, the incurred claims ratio for Oriental was 237.76% for trucks and others. This means that of every Rs 100 the company earned, it paid out Rs 237 towards the third-party claim.

It has to dip into other portfolios to make good the loss. Obviously, the position is unsustainable.

The ratio was 232% for the entire public sector group, whereas it was 72% for the private sector companies. Once the Insurance Regulatory and Development Authority of India (Irda) revises the premium, there will be a sharp rise in third-party motor insurance premium. If the Irda draft guidelines on motor insurance premium rates for third-party liability cover are accepted, insurance premiums on trucks and buses would go up by 80% and for cars and two-wheelers by 10%. Data from Irda's Insurance Information Bureau show that that losses of both public and private sector insurers on their motor third-party insurance portfolio for commercial vehicles are going up consistently. In fact, Irda chief J Harinarayan said at a recent Ficci conference in the capital that general insurance companies have reported a combined loss of about R3,500 crore in the last fiscal on account of motor insurance claims.

He said that a final decision to increase the rates will be taken any time soon. “The liabilities in third-party have been immense and the rates for motor third party insurance must go up substantially. In view of the new liabilities, there must be nothing less than a 100% increase in rates,” says RK Kaul, chairman and managing director, Oriental Insurance. He adds that the Irda exposure draft that has proposed to increase the rates will ease the situation to some extent, but underlined that it was not enough. The Irda exposure draft is currently in the public domain and the authority will decide on the rates soon. While regulations on premiums in the non-life sector were withdrawn in 2007, third-party motor insurance continues to be regulated under the provisions of the Indian Motor Tariff Act.

The increase in rates has been on the cards for some time because of rising claims arising out of road accidents. Kaul explains that third-party motor insurance claims takes years years to mature, sometimes even eight years. “There is no time limit for filing the case as one can file it even five to six years after the accident, and once the case is filed, then it has its own procedures. In fact, motor third-party has always been bleeding the insurance companies portfolio as rates were always less than what they should have been.” To ensure that third-party motor insurance is not disproportionately loaded only a to certain classes of insurers, Irda constituted a motor pool five years ago to share the losses, which is currently running at a deficit.

Commercial vehicle owners have objected to the proposed steep hike in the third-party motor insurance premium and are advocating out-of-court settlements with accident victims.