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Discount on Motor and Health Insurance to DOP Employees

Discount On Motor And Health Insurance To DOP Employees

Proposal for offering Discount on Motor & Two Wheeler Motor Insurance as well as Health Insurance to DOP Employees – Dated 16.11.2021

No. 5-4/2019-PBI (Part-2)
Government of India
Ministry of Communications
Department of Posts
(PBI Division)

Sansad Marg, Dak Bhawan
New Delhi-110001
Dated 16.11.2021

To

All CPMsG

Subject: Proposal for offering Discount on Motor & Two Wheeler Motor Insurance as well as Health Insurance to DOP Employees – reg.

Madam/Sir

IPPB has proposed offering discount on Motor & Two Wheeler Insurance as well as health insurance to DOP Employee under the 3rd Party General Insurance offering.

2. Employee discount for DOP Employees will be as follows:

BAGIC (Bajaj Allianz General Insurance Co Ltd.)

Private Car InsuranceUp to 80% OD Discount
Two Wheeler Motor InsuranceUp to 60 % OD Discount
Health InsuranceUp to 10% Discount

TAGIC (Tata AIG General Insurance Company Limited)

Private Car Insurance Up to 80% OD Discount
Two Wheeler Motor Insurance Up to 30 % OD Discount
Health Insurance Up to 10% Discount

4. All DOP Employees/officers & GDS can take advantage of these special discounted rated for insuring their vehicles and Health. The said offering will be routed through the respective IPPB Branch Officials, On submitting their ID Card/Employee Code at local level. Initially the process of insurance will be done in offline mode, however soon IPPB shall offer the service in online mode as well. Respective supervisors may also collect the data of the insurable vehicles in their areas with the Registration Number and tentative date/month of insurance renewal so that maximum people can avail the benefits.

5. In view of the above, all HOCs are requested to provide full support on GI Discounting communication among filed teams and also request to put up on all notice boards/other internal forums to popularize the scheme.

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How to Register for Insurance Claim in USPS – Simple Process.

You can file an insurance claim for loss or damage in the event that your insured package isn’t delivered in good condition or isn’t delivered at all.
how to file a insurance claim in usps

How to Register for Insurance Claim in USPS – Step By Step.

When it comes to shipping, there might be times when deliveries do not go as planned. That is why insurance is automatically included from USPS when you ship your important, valuable or irreplaceable items using select USPS services.
If these qualifying shipments are not delivered or are damaged in the process, you will need to file a claim with USPS.
USPS is a separate entity from ShippingEasy.
You will need to create or login to your USPS account. Then, you will file a claim directly with them. Go to USPS.com to get started.
If you have purchased additional insurance via ShippingEasy, you will need to file a claim with our insurance partner, Shipsurance. Learn how to file a claim with Shipsurance.

Requirements To file a claim with United States Postal Services:

Collect these documents:

Attach to the following time frame for filing a  insurance claim:

  • For domestic shipments:
    • Insured Mail (includes Priority Mail) – 15 to 60 days approx.
    • Priority Mail Express – 7 to 60 days approx.
    • APO/FPO/DPO Priority Mail Express – 21 to 180 days approx.
    • APO/FPO/DPO Insured – 45 days to 1 year approx.
    • Damaged or missing contents insurance claims can be filed immediately and must be filed no later than 60 days from the date of mailing.
  • For international shipments, claims must be filed within the following time frames:
    • Priority Mail Express International – 3 to 90 days approx.
    • Priority Mail Express International with Guarantee – 3 to 30 days approx.
    • Priority Mail International – 7 days to 6 months approx.
    • Registered Mail Service – 7 days to 6 months approx.
  • For damage claims, you are required to hold onto the damaged property until the insurance claim has reached a resolution. Failure to do so will result in denial of the claim.

Submit the claim online, by phone, or in-person:

  • File domestic claims online by visiting USPS.com.
  • File an international claim with USPS by calling the International Inquiry Center at 1-800-222-1811 to get started.
  • If you prefer, go directly to your local post office and ask to speak with a supervisor about filing a claim. You may be asked to verify that you are in fact the owner of the business listed as the addressee on your shipments.

For more Clarifications, watch USPS insurance claim‘ video guide to filing a domestic claim:

For more information about USPS claims, please refer to USPS FAQs.
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Does Post Office Provide Car Insurance in India?

So are you thinking about post office car insurance. in this post we will talk about various Insurance schemes of Post offices.

With 1,54,939 branches across the country, Postal Department has presence in the most remote areas of  the country, offering a wide range of products and essential services, providing life cover is part of this mix of services provided by the Department.
Postal Life Insurance (PLI) was introduced on 1st February, 1884 in post office.  It started as a welfare scheme for the benefit of post office employees and was later extended to the employees of the Telegraph Department in 1888.  In 1894, PLI extended insurance cover to female employees of the erstwhile Post & Telegraph Department at a time when no other insurance company covered female lives.  It is the oldest life insurer in this country.
post office car insurance facilty in india
Does Post Office Provide Car Insurance in India?

Over the years, post office insurance called PLI has grown substantially from a few hundred policies in 1884 to more than 46 Lacs policies as on 31.03.2017.  It now covers employees of Central and State Governments, Central and State Public Sector Undertakings, Universities, Government aided Educational Institutions, Nationalized Banks, Local bodies, autonomous bodies, joint ventures having a minimum of 10% Govt./PSU stake, credit cooperative societies etc.  PLI also extends insurance cover to the officers and staff of the Defence services and Paramilitary forces. 
Apart from individual insurance policies, Directorate of Postal Life Insurance also manages a Group Insurance scheme for the Extra Departmental Employees i.e. Gramin Dak Sevaks(EDAGIS-1992 and GDSGIS-2010) of the Department of Posts.
Rural Postal Life Insurance (RPLI) started pursuant to the recommendation of the Official Committee for Reforms in the Insurance Sector (Malhotra Committee).  The Committee had observed in 1993, that only 22% of the  insurable population in this country had been insured and life insurance funds accounted for only 10% of the gross household savings.  The Committee had observed:
“The Committee understands that Rural Branch Postmasters who enjoy a position of trust in the community, have the capacity to canvass life insurance business within their respective areas…….”
The Government accepted this recommendation and permitted Postal Life Insurance to extend its coverage to the rural areas to transact life insurance business with effect from 24.3.1995, mainly because of the vast network of Post Offices in the rural areas and low cost of operations.  The prime objective of the scheme is to provide insurance cover to the rural public in general and  to benefit weaker sections and women workers of rural areas in particular and also to spread insurance awareness among the rural population.
Postal Department has started this task entrusted by the Central Government with great dedication and sincerity and within a short span of time has made a very positive impact on the rural populace.  Rural Postal Life Insurance, is meant for anyone residing in rural areas.  It is a boon for migrant labour and artisans, and the unorganized sector, who move on to urban areas for employment, but continue  to have a rural base.  Labour migrating overseas are also eligible for a policy. RPLI has now more than 146 Lacs  policies as on 31.03.2017.   

Post office has many good policies. and return is also good than LIC.

but here is big Question Does Post Office Provide Car Insurance in India?

the answer of above question is NO as per present policy of post office. but in future if post office can change their policies then they can also provide Post office car insurance.

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डुप्लीकेट बिल से भी किया जा सकता है मेडिक्लेम का दावा, कंज्यूमर कोर्ट ने सुनाया फैसला

आज टेक्नोलॉजी का समय है. इश्योरेंश कंपनियों को हॉस्पिटल से क्लेम के बारे में पूरी जानकारी और बिल हासिल करने चाहिए. इसके लिए बीमा कंपनी का हॉस्पिटल के साथ लिंक होना बहुत जरूरी है.

medical claim on duplicate bill
उपभोक्ता अदालत ने मेडिक्लेम पॉलिसी के लिए डुप्लीकेट बिल को मान्य माना है और इंश्योरेंस कंपनी को ब्याज समेत मेडिक्लेम की राशि चुकाने के आदेश दिए हैं. इसके बाद चर्चा शुरू हुई है क्या इंश्योरेंस क्लेम के लिए ऑरिजनल डॉक्यूमेंट जरूरी हैं या नहीं. लिबर्टी जनरल इंश्योरेंस के सीईओ रूपम अस्थाना के मुताबिक, असल बिल नहीं होने से उपभोक्ता को नुकसान नहीं होना चाहिए और टेकनोलॉजी के मदद से इंश्योरेंस कंपनी को हॉस्पिटल से ही बिल की जांच करनी चाहिए.
किसी भी चीज के बिलों को संभालकर रखना कभी-कभी बड़ा मुश्किल हो जाता है. ऐसे में लोग अक्सर डुप्लीकेट बिलों का सहारा लेते हैं. लेकिन बीमा दावों में बीमा कंपनियां असल बिलों को भी स्वीकार करती हैं. लेकिन ऐसा नहीं है. अगर बीमाधारक डुप्लीकेट बिलों के आधार पर क्लेम का दावा करता है तो बीमा कंपनी को डुप्लीकेट बिल स्वीकार करने होंगे और बीमाधारक के दावे का निस्तारण करना होगा.

कंज्यूमर कोर्ट के इस फैसले पर लिबर्टी जनरल इंश्योरेंस के सीईओ रूपम अस्थाना ने कहा कि डुप्लीकेट बिल के आधार पर कोई भी कंपनी दावे को निरस्त नहीं कर सकती है. कंज्यूमर कोर्ट ने उपभोक्ता के हित में फैसला सुनाया है. उन्होंने बताया कि कई बार ऑरिजनल बिल खो जाते हैं या फिर कट-फट जाते हैं. 

रूपम आस्थाना बताते हैं कि आज टेक्नोलॉजी का समय है. इश्योरेंश कंपनियों को हॉस्पिटल से क्लेम के बारे में पूरी जानकारी और बिल हासिल करने चाहिए. इसके लिए बीमा कंपनी का हॉस्पिटल के साथ लिंक होना बहुत जरूरी है. वैसे आज के समय में ज्यादातर बीमा कंपनियां अधिकांश हॉस्पिटलों से जुड़ी हुई हैं. 
रूपम आस्थना ने बताया कि टेक्नोलॉजी के दौर में बिलों की जरूरत ही नहीं है. सारा काम ऑनलाइन होता है. सिस्टम ऑनलाइन होने से फर्जीवाड़े पर भी रोक लगी है. ई-बिल सिस्टम से फर्जीवाड़े पर तो लगाम लगेगी ही साथ ही, बीमा प्रीमियम की राशि भी कम होगी. 
Source :- Zbiz

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Postal Dept to set up insurance company in 2 years: Manoj Sinha


 
New Delhi: The Department of Posts is working to set up an insurance company after launching of a payments bank and the parcel directorate, Communications Minister Manoj Sinha said. “Departments of Posts is now reincarnating itself. After diversifying its business with parcel directorate and payments bank, the department has decided to set up insurance firm as a special business unit in two years,” Sinha told PTI. “The request for proposal to appoint a consultant for setting up insurance unit will be floated in the coming week,” Sinha said.

Prime Minister Narendra Modi launched India Post Payments Bank (IPPB) on September 1 that aims to take banking to the doorstep of every citizen by arming three lakh postmen and ‘Grameen Dak Sewaks’ with digital aids to deliver financial services. IPPB, which will be available through 650 branches and 3,250 access points immediately, scaled to all 1.55 lakh post offices by December 2018, is like any other bank but with a smaller scale of operations and without involving any credit risk.

The freshly-minted payments bank will accept deposits of up to Rs 1 lakh, offer remittance services, mobile payments/transfers/ purchases and other banking services like ATM/debit cards, net banking and third-party fund transfers. However, it cannot offer loans directly, or issue credit cards. In April, DoP started parcel directorate which can independently take quick decision to push parcel and logistics business instead of following the long route of approval for even small steps like a change in parcel rates, bulk deal, special schemes etc. At present, the postal department offers one of the oldest life insurance schemes for benefit of government and semi-government employees– Postal Life Insurance (PLI), which was introduced in 1884. Rural Postal Life Insurance (RPLI), introduced on March 24, 1995, provides insurance cover to people residing in rural areas, especially weaker sections and women living in rural areas. As on March 31, 2017, there were 46.8 lakh PLI and 146.8 lakh RPLI policies across the country. Sinha early this year also announced the opening of PLI for professionals as well which led to a surge in revenue of PLI by Rs 6 crore in four months. “Entire postal department is transforming now,” Sinha noted. 

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Third party insurance: What all does it include and how to make a claim

Image result for insurance

Indian roads are not safe due to the bad condition of roads and reckless driving. If you go by the facts, the situation only gets scary every year, with more than 4 lakh accidents occurring on Indian roads. Still, about 35 percent of all cars and 70 percent of all two-wheeler vehicles do not have any kind of motor insurance. Majority of people are unaware of the process on how to file a claim in the event of their vehicle getting hit by someone else’s vehicle.

You may get your vehicle repaired through the own damage component of your motor insurance policy or pay for the damage repair from your own pocket. The only loss in repairing it from own damage insurance is that you lose your accumulated no claim bonus (NCB) at the time of policy renewal. Most people do not know is that they can file for claims through third party (TP) insurance of the other vehicle involved in the accident. However, the claim process is a bit complicated. Here are a few things that one should know to before filing a claim through TP insurance:

What does third party insurance mean? A standard motor insurance policy offers two types of major covers: own damage and TP. Own damage offers cover for damage to your vehicle in a road accident and TP insurance covers you against legal liabilities towards a third person, which includes death, injuries, damage to a vehicle or any other property. As it is evident, the first cover applies to any damage done to your vehicle, TP insurance covers you against the damage done by you to a third party.

Out of the above two, TP is the only insurance mandatory under the Motor Vehicles Act. This is why insurance companies sell standalone TP insurance policies as well, besides it being part of a comprehensive policy. The premium for TP insurance premium is fixed as per Insurance Regulatory and Development Association of India (IRDAI) guidelines and it depends only on the engine and cubic size of your vehicle: larger the size, greater will be the premium. The following is the premium table categorised according to the cubic capacity of your vehicle.


In a third party insurance, the first person is you, the second person is the insurance company and the third person, who is secured, is the person who could get hurt in an accident by you while driving your vehicle.

How to file a claim when you are the victim? If a vehicle hits you or your vehicle, you can file a claim for medical expenses for treatment of bodily injuries. In case of death, dependents can file a claim against loss of income. Medical expenses arising in treating the injury/injuries that triggered the death can also be claimed though TP insurance. In case of damage to the property or vehicle, proper reports from an authorised workshop are required. Original bills and inspection reports will also be required to measure your loss. If you arrange for proper proofs, the other person’s insurance company will pay you.

The process you will have to follow to stake claim is a bit lengthy, which begins with the filing of an FIR with the police station nearest to your house stating the accident. After this, you will need a charge sheet of the same. Once you receive the charge sheet, gather all the necessary documents and hire a lawyer. You will need a lawyer because TP insurance claims need to be filled with a special court: Motor Accident Claims Tribunal. The tribunal will hear both parties – claimant and defendant – and examine the evidence. Based on these evidence and hearings, the tribunal decides the quantum of compensation.

However, claiming through TP insurance is a daunting task. It is suggested to file the claim from your own damage cover if you have a comprehensive motor insurance policy. This will save you a lot of time and stress, although, you will have to forego your NCB.

The third route you can take is to ask your insurer to fight the case on your behalf. This process is called subrogation. This way, your insurance company will pay you the amount of claim and fight the case to retrieve the amount through TP insurance of the third person. Moreover, this is up to the insurance company if they wish to subrogate or not.

In an instance where both the parties involved in an accident have a comprehensive motor insurance policy, it is suggested to file the claim through your own insurance policy if the damage caused is only to the vehicle or property. However, in case of demise or bodily injuries, it is best if one claims through TP insurance because the claim amount is usually very high.

When you have caused an accident If you cause the accident, the third person holds the same rights as you and can file for the claim through your TP insurance. For that, the affected third person is required to file a case in Motor Accidents Claim Tribunal against you and your insurance company. Then the tribunal decides the amount of compensation.

However, there are certain caps on the amount of compensation that the insurance company will pay. For property and vehicle damage, the maximum limit is Rs 7.5 lakh, in case the amount of compensation is more than the prescribed limit. Your insurance company will pay Rs 7.5 lakh and you will have to pay the rest from your own pocket. In case of death or injury, there is no limit and the amount of compensation decided by the court has to be honoured by your insurance company.