Provide response in vernacular language, crop insurers told

IRDAI stresses need for awareness programmes on scheme guidelines, claim settlement process

Published - March 22, 2019 12:51 am IST - HYDERABAD

The Insurance Regulatory and Development Authority of India (IRDAI) wants general insurers dealing in crop insurance to ensure that their call centres/toll free numbers provide callers the option of accessing information in the official language of the respective State too.

Besides offering responses in State’s official language, in addition to in Hindi and English, the companies also need to ensure that their websites provide crop insurance related details in the vernacular language for the benefit of farmers. A circular from the regulator stressed on this and several other measures to be initiated by the general insurers in the backdrop of “various complaints/ suggestions in respect of crop insurance claims” that it had been receiving.

While underscoring the need for awareness programme towards educating farmers on scheme guidelines, claim settlement process and grievance redressal process, the IRDAI also advised the insurance company to put in place a robust system to register all requests of individual loss assessment. “Where a request for individual loss assessment is rejected, a written rejection letter mentioning the reason should be sent to insured. For all other cases, loss assessment survey should be done as per prescribed guidelines,” Chief General Manager (Non-Life) Yegnapriya Bharath said in the circular.

The insurance companies, the IRDAI advisory said, must ensure proper representation in crop insurance meetings called for by relevant stakeholders. Senior-level officials having the required decision making power should be deputed for such meetings, the circular said. The regulator is also for the companies to designate an authorised person for each allocated cluster. “This designated person should be senior-level permanent employee of the company having sufficient decision making powers for smooth implementation,” the communication said.

Other aspects the regulator wanted the companies to undertake include facilitating bank branches, intermediaries and agents to upload details of insured farmers and beneficiaries with all requisite details on national crop insurance portal in time.

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