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EXCLUSIVE
BIMA SUGAM TO BE GAME CHANGER FOR INSURANCE SECTOR, SAYS IRDAI CHAIRMAN PANDA
Insurance Regulatory and Development Authority of India (IRDAI) chairman
Debasish Panda in an interview with PTI said Bima Sugam should be a UPI moment
for the insurance industry.
* PTI
* October 31, 2022, 07:53 IST
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Insurance regulator IRDAI is working on Bima Sugam, which will act as a game
changer in the insurance sector by providing a one-stop platform for multiple
services including the sale of policy, renewal, and settlement of claims.
This tech-led portal will help in expanding insurance penetration in the country
by ensuring a hassle-free experience for customers across the country.
Insurance Regulatory and Development Authority of India (IRDAI) chairman
Debasish Panda in an interview with PTI said Bima Sugam should be a UPI moment
for the insurance industry.
Unified Payments Interface (UPI) has revolutionised digital payment in the
country as common people have started using it for making even small payments.
The success of UPI in a short span of time has caught global attention and many
countries are trying to replicate it. Launched in 2016, Payment through UPI has
crossed a milestone of Rs 11 lakh crore in September this year.
"Bima Sugam will be a one-stop shop for buying and selling insurance, for policy
servicing, and also for claim settlement. Insurance companies can onboard the
platform. It's going to be plug and play with API (Application programming
interface) interface," Panda said.
He further said all the insurance intermediaries including individual agents,
web aggregators will have access to this portal.
And as far as the policyholder is concerned, he said, he or she will be able to
buy the product through assisted mode, or directly. "So maybe many people may
prefer the assisted mode and can take the help of one of the intermediaries," he
added.
This platform will provide the policyholder and prospective customer various
options for a product, company of their choice and method of payment.
"So it's like a shopping mall. So you go and shop there. And as far as the KYC
is concerned, the moment you enter the portal, type your Aadhaar number, the
data will auto populate. The KYC will be done through your Aadhaar number which
will be masked for security reasons," he said.
Underwriting of policy would be done through a few easy steps and in a couple of
minutes through the portal, he said.
To ensure easy liability servicing, he said, "we are trying to mandate that all
the policies should go to insurance repositories who will store details on a
permanent basis. It will help in settlement of claims in a paperless manner on
the basis of policy number."
The portal, he added, "will promote ease of living and expand the reach of
insurance...this is going to be a game changer. It will be a huge facilitator
and I think with this platform you will not need to go anywhere physically."
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INSURANCE
* 5 hrs ago
FAIRFAX EYES MORE STAKE IN INSURER DIGIT’S PARENT CO
* 5 hrs ago
IRDAI IN TALKS WITH GOVT FOR RELAXATION OF RS 100-CRORE ENTRY CAPITAL FOR
INSURERS: DEBASISH PANDA
* 2 days ago
MAX LIFE AND DITTO JOIN HANDS TO DISTRIBUTE ONLINE LIFE INSURANCE
* 3 days ago
SECURENOW TIES UP WITH TRUCKNETIC TO PROVIDE IN-TRANSIT INSURANCE COVER
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EDITOR'S PICK
* 4 hrs ago
TECHNOLOGY AND TALENT: TWO CHALLENGES FOR INDIAN BANKS
* 4 hrs ago
NARCL’S FIRST BID: WILL IT HELP CLEAN BANK’S BALANCE SHEETS?
* 3 hrs ago
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* 1 day ago
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* 1 day ago
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CRORES, SURGE OF 74% YOY
BFSI VIDEOS
* BANK-FINTECH RELATIONSHIP A POSITIVE-SUM GAME: CASHE CTO & CBO
The new guidelines pertaining to digital lending, introduced by the RBI are
definitely a welcome move in terms of how the industry should adhere to a
framework while handling customer’s data, said Yashoraj Tyagi, CTO and CBO,
CASHe while speaking at the 4th Edition of ETBFSI CXO Conclave. There has
been a massive shift in the last 5 years in the way customers handle digital
credit. Invariably, this has led to a shift in the way organisations access
data. "Ultimately, as the guidelines dictate, customers should be the centre
of how they choose to give access to data," he said. Additionally, Tyagi
spoke on how BNPL as a financial product, has worked in the Indian economy.
“It has worked so far because India has shifted from a tabooed-economy to one
which is driven by a healthy combination of savings and credit. However, the
possibility of BNPL rising exponentially is doubtful.” Lastly, Tyagi
acknowledged how the Bank-Fintech relationship is a positive-sum game. Both
entities come with their own strengths and key values to the table. So, when
such collaboration happen, both parties tend to benefit.
* 14 days ago
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* 19 days ago
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* 20 days ago
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ATTACKS
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EXCLUSIVE
FAIRFAX EYES MORE STAKE IN INSURER DIGIT’S PARENT CO
In its filing, Fairfax said that the majority ownership of Digit would enable
Fairfax to report a gain of approximately $375 million.
* Mayur Shetty
* TNN
Click Here to Read This Story
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MUMBAI: Canadian billionaire Prem Watsa’s Fairfax Financial Holding has in its
results filing said that it is “exploring all avenues under applicable law” to
achieve majority ownership in the parent company of Go Digit General Insurance.
Fairfax filing follows the insurance regulator rejecting a proposal to convert
compulsory convertible preferred shares held by FAL Corporation (part of Fairfax
group) in Go Digit Infoworks into equity shares.
Fairfax currently owns 45. 3% of the holding company Go Digit Infoworks, which
has 83% stake in the insurer.
Digit Insurance had mentioned the Irdai’s stance on the conversion of CCPS
(compulsorily convertible preference shares) in its IPO offer document.
According to the draft red herring prospectus (DRHP), Irdai had rejected the
conversion of CCPS into shares because it would result in Go Digit Infoworks
(the holding company of Digit Insurance) becoming a subsidiary of the Fairfax
group, which is not allowed by regulations.
In its filing, Fairfax said that the majority ownership of Digit would enable
Fairfax to report a gain of approximately $375 million.
In August, Go Digit filed its draft DRHP for an IPO looking to raise around Rs
1,250 crore through a combination of fresh equity shares and an offer for sale
of 11 crore shares. In September, Sebi said it kept the IPO abeyance without
giving any reasons. Rules allow foreign insurers to hold up to 74% of an
insurance company. However, there are guidelines which prevent a step-down
subsidiary holding company from becoming a promoter.
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EXCLUSIVE
IRDAI IN TALKS WITH GOVT FOR RELAXATION OF RS 100-CRORE ENTRY CAPITAL FOR
INSURERS: DEBASISH PANDA
"Like in the banking system, we have microfinance institutions, regional banks,
and small finance banks. So, we have all categories of banks then there are
non-banking financial companies. In the insurance sector also, we should have
different size players to come into the market so that they can operate in
smaller geographies," IRDAI Chairman Debasish Panda told PTI in an interview.
* PTI
Click Here to Read This Story
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The Insurance Regulatory and Development Authority of India (IRDAI) has
suggested the government to ease the minimum capital requirement of Rs 100 crore
and permit the regulator to fix the amount depending upon business plans of the
prospective company.
Doing away with the minimum capital requirement of Rs 100 crore would allow
entry of small, specialised and niche players, which would help in increased
insurance penetration and density in the country.
"Like in the banking system, we have microfinance institutions, regional banks,
and small finance banks. So, we have all categories of banks then there are
non-banking financial companies. In the insurance sector also, we should have
different size players to come into the market so that they can operate in
smaller geographies," IRDAI Chairman Debasish Panda told PTI in an interview.
Entry of smaller and specialised players would help in increasing insurance
penetration and density, he said.
"So, in this context we are suggesting to the government to kindly look at the
existing provisions and see whether you could remove the Rs 100 crore cap
minimum requirement. The regulator can frame the regulations based on the size
of the company that they (promoters) are going to set up. For the micro
insurance company it may be X amount, regional companies operating in a bigger
larger geography could be Y amount," he said.
Going forward, he said, the relaxation in capital requirement would help in
creating specialised or a mono line for segments like motor and properties.
"Why not create that kind of framework in our statute which allows not alone
micro, small, regional companies etc but also those catering to niche products,"
he added.
Panda also said IRDAI is working on Bima Sugam, which will act as a game changer
in the insurance sector by providing a one-stop platform for multiple services
including sale of policy, renewal and settlement of claims.
This tech-led portal will help in expanding insurance penetration in the country
by ensuring hassle-free experience to customers across the country.
Bima Sugam should be a UPI moment for the insurance industry, he said.
Unified Payments Interface (UPI) has revolutionised digital payment in the
country as common people have started using it for making even small payments.
The success of UPI in a short span of time has caught global attention and many
countries are trying to replicate it. Launched in 2016, payment through UPI has
crossed a milestone of Rs 11 lakh crore in September this year.
"Bima Sugam will be a one-stop shop for buying and selling insurance, for policy
servicing and also for claim settlement. Insurance companies can on board the
platform. It's going to be plug and play with API (Application programming
interface) interface," Panda said.
He further said all the insurance intermediaries, including individual agents
and web aggregators, will have access to this portal.
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insurers
entry capital
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EXCLUSIVE
MAX LIFE AND DITTO JOIN HANDS TO DISTRIBUTE ONLINE LIFE INSURANCE
This partnership will bring synergy as Max and Ditto tie up to tap on customers
and enhance the technological distribution model.
* ETBFSI
Click Here to Read This Story
*
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Max Life Insurance has announced a life insurance product distribution tie-up
with Tacterial Consulting Private Limited (Ditto).
The corporate agent partnership aims to leverage Ditto’s diversified insurance
advisory platform to offer Max Life’s plans to online customers.
In the initial phase, Ditto will sell multiple variations of Max Life’s
protection plan providing comprehensive coverage against Death, Disease &
Disability along with applicable riders facilitated via a seamless digital
distribution mode.
“Consumers’ buying behaviour has taken a turn towards technology during the
pandemic. By partnering with Ditto, we look forward to expanding our online
presence and being able to provide new-age consumers with a comprehensive
selection of our online offerings, which are flexible and tailor-made for
millennials," said V Viswanand, Deputy Managing Director, Max Life.
It is a synergy of sorts as Max Life will be able to enhance its customer
experience by leveraging Ditto’s insurance advisory capabilities and
technological prowess to enhance life insurance penetration in the country.
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EXCLUSIVE
SECURENOW TIES UP WITH TRUCKNETIC TO PROVIDE IN-TRANSIT INSURANCE COVER
New Delhi, Nov 3 (PTI) Tech-enabled insurance broker SecureNow has tied up with
online transport company Trucknetic to provide in-transit insurance cover,
especially to MSMEs.
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New Delhi, Nov 3 (PTI) Tech-enabled insurance broker SecureNow has tied up with
online transport company Trucknetic to provide in-transit insurance cover,
especially to MSMEs. SecureNow will provide embedded transit insurance products
for the MSMEs booking trucks on the Trucknetic platform for transporting their
goods and commodities from one place to another.
"Bundling of transit insurance will solve the problem of insuring the goods and
commodities transmitted by the MSMEs. It will help them in recovering losses on
account of damage of goods during transit," Arham Partap Jain, Founder and CEO
of Trucknetic, said in a statement on Thursday.
India has over 60 million MSMEs and many of them do not have the expertise to
buy high quality transit insurance.
"With the partnership, we are looking to expand the market further by bringing
transit insurance to the MSMEs, who did not have access to these policies
before. We believe that it will increase the insurance penetration in the
country and increase the industry growth rate," Abhishek Bondia, Co-Founder of
SecureNow, said.
After successfully integrating on the inland transit insurance, he said, "we
would look at addressing other needs of MSMEs".
This could include health and accidental cover to the truck owners and
drivers.This section of the society has very high risk exposure, and marginal
risk cover. So, we have lots of grounds to cover, he added. PTI NKD
PTI NKD RAM
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EXCLUSIVE
HIRING SLOWS OWING TO FESTIVITIES IN OCT'22, INSURANCE LEADS AGAIN: REPORT
According to Naukri JobSpeak index for October 2022, the Insurance sector in
India continued to witness phenomenal growth due to an increase in demand for
professionals across experience bands, followed by BFSI, Oil, Travel &
Hospitality etc.
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The job market in India was marked with Diwali festivities and long weekends in
October 2022 hence the hiring activity remained flat vs last year's same period,
according to Naukri JobSpeak index.
The report however shows an upward trajectory when compared with last year’s
festive window in November 2021.
While hiring across key industries remains stable, Insurance continued to rule,
the report added.
"The Insurance sector in India continued to witness phenomenal growth due to an
increase in demand for professionals across experience bands. The sector
registered a significant year on year growth (+93%) compared to October 2021,"
it said.
Sector wise performance
Other sectors that continued to show upward hiring trends are BFSI (+40%), Oil
(+34%), Travel & Hospitality (+24%), Real estate (+20%), and Auto (+19%).
Hiring in the Indian IT sector slowed down by 18 per cent in the month of
October compared to last year. Other sectors that recorded a notable decline in
hiring sentiments include Telecom (-19%) and Health Care (-13%).
The temporary deceleration in hiring activity was expected given the festive
season, said Pawan Goyal, Chief Business Officer, Naukri.com.
Kolkata leads hiring charts
While Kolkata (+15%) and Mumbai (+8%) continued to grow in hiring activity in
the said month, Delhi stayed flat with respect to hiring activity vs October
last year.
With IT sector showing a decline, the metros of Bangalore (-16%), Hyderabad
(-12%), and Pune (-11%) showed a decline in hiring activity.
Amongst non-metros, most key cities exhibited growth in hiring activity, as
Jaipur (+8%), Kochi (+5%), Vadodara (+4%), and Coimbatore (+3%) all saw an
uptick in demand for white collared professionals, the report added.
Surge in hiring for leadership roles
According to the JobSpeak Index, while demand across experience professionals
stayed neutral in the month of October 2022, senior professionals with over 13
years of experience saw an uptick in demand growing by (+6%) over last year.
At the same time, demand for freshers stayed flat while the demand for mid-level
professionals (4-12 years) declined by -4%, it added.
Unemployment rate rises
Data from the Centre for Monitoring Indian Economy (CMIE), however, paints a
less flowery picture showing that the country's unemployment rate in October
2022 increased to 7.8 percent from 6.4 percent in the previous month.
However, the jobless rate in urban areas saw a marginal drop from 7.7 percent to
7.2 percent but a drastic jump from 5.8 percent to 8.04 percent in rural India
pointing to reduced labour participation, as per CMIE data.
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EXCLUSIVE
MENTAL ILLNESS MANDATORY COVERAGE FROM NOV 1: IMPACT ON NEW & OLD HEALTH
INSURANCE PLANS
The diseases like dementia and Alzheimer’s were not covered by basic
comprehensive health policies earlier. However things will change now. Moreover,
insurers can no longer simply reject new policy applications of people with
mental illness. While new policyholders can expect these changes to benefit
them, know how it will impact the existing policyholders and new born babies.
* Naveen Kumar
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Most of the basic health insurance policies do not provide cover to you or your
insured family members in case of a mental illness. “In old policies, treatment
for any mental illness, irrespective of being pre-existing or diagnosed after
the policy purchase, was not payable. A person with a mental illness was denied
the policy at the underwriting stage,” says Satish Gidugu, CEO and Whole Time
Director at Medi Assist, a health insurance TPA.
However, that will change from November 1. The Insurance Regulatory and
Development Authority of India (IRDAI) has made it mandatory for all health
insurance companies to cover mental illnesses also. “In newer policies, claims
cannot be denied and policies coming for underwriting also have to assess the
policy and accept or reject basis the board approved guidelines,” says Gidugu.
Not many policyholders are aware how this coverage will work. So let us
understand how the new rule will impact you.
The impact of mandatory coverage of mental illness
The number of people suffering from mental illness is significant. WHO has
reported that 1 in every 3 Indians has depression. "As people are becoming more
educated, there is rising awareness about mental health. With 33% of India's
population in depression, the human count leads to approx 50 crores. This is
just a fraction of the population that can be helped with mental illness
assistance," Purvi Manghi, Product Associate, Riskcovry a digital insurance
company.
New rules will make sure that health insurance polices cover a significant
number of patients who were so far out of ambit of health insurance coverage.
“This mandatory coverage means that the insurers will have to consider mental
illnesses the same way as physical illnesses, both in the old and new policies.
That means the insured will be covered for hospitalisation expenses towards
treatments of mental illnesses, too,” says Siddharth Singhal, Business
Head-Health Insurance, Policybazaar.com
The kind of diseases being covered
The new rules will bring mental illness at par with physical illness. “This call
for holistic protection of a person’s well-being via insurance- be it physical
or mental- is important, as post-pandemic, there is an increased focus on mental
health issues. Insurers are expected to expand their coverage to focus on mental
health issues,” says Manghi.
The diseases like dementia and Alzheimer’s were not covered by basic
comprehensive health policies earlier. Not anymore. “All mental illnesses such
as dementia, depression and bipolar disorder shall be covered unless some
specific exclusions are mentioned in the policy,” says Singhal.
“Depression, anxiety, and stress are common in Indian culture. India’s
population is increasingly feeling the strain of its growing mental health
problems and in some cases, it has become a matter of national security. The
recent move by IRDAI is a great step towards recognizing that mental health is
an epidemic and how critical it is for policies to cover therapy, not just limit
it to hospitalization,” says Saurabh Arora, Co-founder-CTO and Head of
Healthcare, Plum.
Old policies will also have this feature
Insurers can no longer simply reject new policy applications of people with
mental illness. While new policyholders can expect these changes to benefit
them, what about existing policyholders? “Customers already suffering from such
illnesses can get a policy now. And if someone develops these illnesses after
the policy purchase, the claim will be admissible in such conditions also,” says
Singhal.
The new guidelines implementation may come with caveats too, since it’s
important to understand that inclusion of mental illness doesn’t mean an insurer
is liable to insure persons with pre-existing mental conditions. "It simply
means that if the insurer does decide to cover a policyholder in the future
after the waiting period window, it cannot deny a claim. Similarly, if an
individual is diagnosed with a mental illness subsequent to buying a health
insurance policy, the insurer cannot reject the claim," says Manghi.
Will a newborn baby with a mental illness condition be covered?
When it comes to coverage of mental illness in children, it will depend on the
kind of illness and its timing. “This is a grey area as most of the mental
illnesses in this category are related to mental retardation, and according to
the Mental Health Act, they are not part of the mandatory coverage. Hence, most
companies deny policy or claims related to it,” says Gidugu.
However, all mental illnesses that are mandatorily covered by the rules will be
applicable for a newborn baby also. “The newborn baby, once added to the policy,
will be covered for any mental illness-related condition. Few policies cover the
newborn from day 1, while others provide cover after 90 days of birth,” says
Singhal.
Will OPD cost of mental illness be covered?
Most health insurance coverage works only when 24 hours of hospitalisation is
needed. These policies will cover any mental illness where such hospitalisation
is needed.
However, there are many new insurance policies that offer OPD coverage. What
happens here in case of a mental illness diagnosis? “If the customer has
purchased an OPD cover, then the costs towards doctor consultations, diagnostic
tests, etc, shall also be provided by the insurer,” says Singhal.
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EXCLUSIVE
GLOBAL INSURTECH FIRM COVER GENIUS RAISES $70M IN SERIES D FUNDING
The raise will assist in the insurtech’s rapid business growth and expansion of
its global insurance distribution platform, XCover, the company said in a press
note
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There is an effort on the part of the regulator and insurance companies to find
ways to do so, and there are various global models to follow. The best way to
promote an affordable, relevant and meaningful OPD product is through a health
savings account, where you put aside a pool of money towards discretionary OPD
expenditure. As an insurance company, we can offer the benefit of volume
contracting, cashless experience, large network, capture the health data and
analyse the risk data. So there is an opportunity here and we will have to do
this because OPD is not a pure risk product. There are ongoing discussions and
regulatory change is required for this, but I’m hopeful that the product will be
out. Cover Genius, the global insurtech for embedded insurance, announced that
it has raised $70m USD in Series D funding. The round was led by Dawn Capital,
with participation from new investors, New York-based Atlas Merchant Capital,
and existing investors including GSquared and King River Capital.
The raise will assist in the insurtech’s rapid business growth and expansion of
its global insurance distribution platform, XCover, the company said in a press
note.
The oversubscribed round represents a significant valuation uplift from Cover
Genius’ Series C in 2021.
Since then, the company has experienced a year of immense growth, reaching $1.1m
in daily Gross Written Premium (GWP), nearly tripling its year-over-year
revenue, and doubling its partnership base.
“We’ve always been strategic about our approach to fundraising, and closing our
highest-ever funding round in a challenging environment for raising capital
reinforces the strength of our embedded business model,” said Angus McDonald,
CEO and co-founder of Cover Genius.
The firm has also deepened its global capabilities by investing in India-based
insurtech, ensuredIT.
“Customers are dissatisfied with traditional insurers who went missing during
the pandemic and consistently deliver low post-claim Net Promoter Scores (NPS)
scores. Our tech-forward solution focuses on a seamless and transparent customer
journey and, in contrast to traditional insurers, delivers a post-claim NPS of
+65‡,” he added.
Embedded insurance is a rapidly growing segment of the market, and Cover Genius
has built a leading platform that is globally enabled, multi-line and
end-to-end, said Dan Chaplin, Principal at Dawn Capital.
"We’re excited to support Cover Genius as it continues to reshape the insurance
industry and enable easy protection for consumers and businesses," he added.
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EXCLUSIVE
MENTAL ILLNESS MANDATORY COVERAGE FROM NOV 1: IMPACT ON NEW & OLD HEALTH
INSURANCE PLANS
The diseases like dementia and Alzheimer’s were not covered by basic
comprehensive health policies earlier. However things will change now. Moreover,
insurers can no longer simply reject new policy applications of people with
mental illness. While new policyholders can expect these changes to benefit
them, know how it will impact the existing policyholders and new born babies.
* Naveen Kumar
* ET Online
Click Here to Read This Story
*
*
*
*
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Most of the basic health insurance policies do not provide cover to you or your
insured family members in case of a mental illness. “In old policies, treatment
for any mental illness, irrespective of being pre-existing or diagnosed after
the policy purchase, was not payable. A person with a mental illness was denied
the policy at the underwriting stage,” says Satish Gidugu, CEO and Whole Time
Director at Medi Assist, a health insurance TPA.
However, that will change from November 1. The Insurance Regulatory and
Development Authority of India (IRDAI) has made it mandatory for all health
insurance companies to cover mental illnesses also. “In newer policies, claims
cannot be denied and policies coming for underwriting also have to assess the
policy and accept or reject basis the board approved guidelines,” says Gidugu.
Not many policyholders are aware how this coverage will work. So let us
understand how the new rule will impact you.
The impact of mandatory coverage of mental illness
The number of people suffering from mental illness is significant. WHO has
reported that 1 in every 3 Indians has depression. "As people are becoming more
educated, there is rising awareness about mental health. With 33% of India's
population in depression, the human count leads to approx 50 crores. This is
just a fraction of the population that can be helped with mental illness
assistance," Purvi Manghi, Product Associate, Riskcovry a digital insurance
company.
New rules will make sure that health insurance polices cover a significant
number of patients who were so far out of ambit of health insurance coverage.
“This mandatory coverage means that the insurers will have to consider mental
illnesses the same way as physical illnesses, both in the old and new policies.
That means the insured will be covered for hospitalisation expenses towards
treatments of mental illnesses, too,” says Siddharth Singhal, Business
Head-Health Insurance, Policybazaar.com
The kind of diseases being covered
The new rules will bring mental illness at par with physical illness. “This call
for holistic protection of a person’s well-being via insurance- be it physical
or mental- is important, as post-pandemic, there is an increased focus on mental
health issues. Insurers are expected to expand their coverage to focus on mental
health issues,” says Manghi.
The diseases like dementia and Alzheimer’s were not covered by basic
comprehensive health policies earlier. Not anymore. “All mental illnesses such
as dementia, depression and bipolar disorder shall be covered unless some
specific exclusions are mentioned in the policy,” says Singhal.
“Depression, anxiety, and stress are common in Indian culture. India’s
population is increasingly feeling the strain of its growing mental health
problems and in some cases, it has become a matter of national security. The
recent move by IRDAI is a great step towards recognizing that mental health is
an epidemic and how critical it is for policies to cover therapy, not just limit
it to hospitalization,” says Saurabh Arora, Co-founder-CTO and Head of
Healthcare, Plum.
Old policies will also have this feature
Insurers can no longer simply reject new policy applications of people with
mental illness. While new policyholders can expect these changes to benefit
them, what about existing policyholders? “Customers already suffering from such
illnesses can get a policy now. And if someone develops these illnesses after
the policy purchase, the claim will be admissible in such conditions also,” says
Singhal.
The new guidelines implementation may come with caveats too, since it’s
important to understand that inclusion of mental illness doesn’t mean an insurer
is liable to insure persons with pre-existing mental conditions. "It simply
means that if the insurer does decide to cover a policyholder in the future
after the waiting period window, it cannot deny a claim. Similarly, if an
individual is diagnosed with a mental illness subsequent to buying a health
insurance policy, the insurer cannot reject the claim," says Manghi.
Will a newborn baby with a mental illness condition be covered?
When it comes to coverage of mental illness in children, it will depend on the
kind of illness and its timing. “This is a grey area as most of the mental
illnesses in this category are related to mental retardation, and according to
the Mental Health Act, they are not part of the mandatory coverage. Hence, most
companies deny policy or claims related to it,” says Gidugu.
However, all mental illnesses that are mandatorily covered by the rules will be
applicable for a newborn baby also. “The newborn baby, once added to the policy,
will be covered for any mental illness-related condition. Few policies cover the
newborn from day 1, while others provide cover after 90 days of birth,” says
Singhal.
Will OPD cost of mental illness be covered?
Most health insurance coverage works only when 24 hours of hospitalisation is
needed. These policies will cover any mental illness where such hospitalisation
is needed.
However, there are many new insurance policies that offer OPD coverage. What
happens here in case of a mental illness diagnosis? “If the customer has
purchased an OPD cover, then the costs towards doctor consultations, diagnostic
tests, etc, shall also be provided by the insurer,” says Singhal.
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EXCLUSIVE
LIC INCREASES STAKE IN CAPRI GLOBAL TO 9%, BUYING 2% MORE AT RS 257 CRORE
The insurance provider's shareholding in Capri Global has increased from
1,24,00,000 to 1,59,51,171 equity shares, raising its stake from 7.052% to
9.072% of the paid up capital of the company, LIC said in a regulatory filing on
Monday.
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Insurance giant Life Insurance Corporation of India (LIC) is spending over Rs
250 crore in Capri Global to increase its stake in the company by 2%.
The insurance provider's shareholding in Capri Global has increased from
1,24,00,000 to 1,59,51,171 equity shares, raising its stake from 7.052% to
9.072% of the paid up capital of the company, LIC said in a regulatory filing on
Monday.
These shares in Capri Global were acquired by LIC between June 10, 2022 to
October 28, 2022 at an average cost of Rs 724.74 apiece on the open market,
costing a total of Rs 257.37 crore.
Capri Global caters to different segments like MSME, construction, finance,
affordable housing and indirect retail lending segments, operating with a market
capitalisation of Rs 13,014 crore.
The scrip of LIC closed at Rs 604 on BSE, up 1.86%. Capri Global settled 1.05%
higher at Rs 750.50.
With inputs from PTI
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EXCLUSIVE
IRDAI PANEL TO LOOK AT HEALTH INSURANCE SERVICING VIA PROPOSED NEW E-PORTAL:
COMMON CLAIM PLATFORM?
IRDAI constitutes a 15-member health insurance consultative committee that will
help to achieve the goal of universalisation of health insurance in the country.
The committee has been constituted for a period of two years, the regulator
mentioned.
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The Insurance Regulatory and Development Authority of India (IRDAI) has formed a
committee to suggest a universal standard health insurance product and also how
health insurance servicing can be done via the proposed e-platform. As per
earlier media reports, IRDAI has been working on setting up a common insurance
servicing platform which would include settlement of claims. The 15-member
health insurance consultative committee will help to achieve the goal of
universalisation of health insurance in the country, the regulator said in an
order dated October 21, 2022.
The health insurance consultative committee will suggest ways to increase the
penetration of health insurance in the country including identifying issues and
challenges in the value chain and how to overcome them. They will also identify
challenges in carrying out the health insurance business smoothly and make
recommendations to facilitate ease of doing business.
IRDAI has asked the committee to make recommendations regarding product designs
including a universal standard product that is basic and simple. The committee
will also make recommendations regarding standardisation of procedures among
providers including for capture, collation, and analysis of data.
"The panel will make recommendations to put in place systems for servicing
health insurance that can plug into the e-platform envisaged by IRDAI," the
regulator said.
It will also identify concerns relating to policyholder servicing as well as
awareness and make recommendations to address them.
The committee will also recommend any other matter which would help in the
growth of insurance penetration and deepen health insurance inclusion, the
regulator said.
The committee has been constituted for a period of two years, the regulator
mentioned. The committee will be led by Rakesh Joshi, a member of IRDAI. It will
also have representatives from the healthcare and insurance industries including
third-party administrators (TPA). From the healthcare industry, Devi Prasad
Shetty, chairman of Narayana Health; Naresh Trehan, chairman and managing
director (MD) of Medanta Heart Institute; Alexander Thomas, national president
of Association of Healthcare Providers India; Arati Verma, senior vice president
of Max Healthcare, and Ajay Nair will be part of this consultative committee.
From the insurance industry, Neerja Kapur, chairman, and MD of New India
Assurance; Bhargav Dasgupta, MD, and CEO of ICICI Lombard General Insurance,
Mayank Bathwal, CEO of Aditya Birla Health Insurance, and Vibha Padalkar, MD and
CEO of HDFC Life, will be part of the committee. The committee will also have
representatives from the third-party administrators (TPA) — Nayan Shah, CEO, of
Paramount Health Services & Insurance TPA, and Vikram Chhatwal, CEO, Medi-Assist
Insurance as members.
"It is necessary for every family in the country to have a health insurance
cover. The various elements in the health insurance value chain are required to
be visited periodically in order to provide an enabling environment to achieve
the goal of universalisation of health insurance in the country," the regulator
said.
Bima Vahak and Bima Vistaar
The regulator has also set up a 24-member committee to develop and suggest an
affordable and comprehensive cover for the rural population. The committee will
develop and suggest the constitution and operation of a preferably,
women-centric distribution channel to focus on reaching untapped/rural areas —
Bima Vahak. It will also develop and suggest an affordable, accessible, and
comprehensive cover for
the rural population, on a benefit based or parametric structure — Bima Vistaar.
The committee will also explore and recommend how to bring about synergies in
the working and operations of Bima Vahak, Bima Vistaar, and the digital platform
- Bima Sugam. IRDAI has also asked the committee to recommend the regulatory
framerwork for Bima Vahak and Bima Vistaar.
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