J P SHAH,
202 Velamani
Residency,
9A Vrindavan
Park Soc,
VADODARA
GUJARAT 390008
Cell:
9924106490
___________________________________________________________________
SENIOR
CITIZEN WITH FATAL LIVER DISEASE DATE: 15-08-2019
To,
Chairman,
Executive Council of Insurers, By email
3rd Floor, Jeevan Seva Annexe,
S. V. Road, Santacruz [west] Mumbai 400054
Dear Sir,
PENDENCY OF COMPLAINTS AT INSURANCE OMBUDSMAN [IO],AHMEDABAD
& SUGGESTIONS
Greeting on INDEPENDENCE DAY.
I understand
per your RTI reply dated 22-07-2019 that nearly 2600 complaints are pending
with Insurance Ombudsman Ahmedabad [IOA for brevity] due to vacancy of post of
IOA since 21-07-2014, though there is visiting IO for few days in a month/fortnight.
2. Reckoning
that IOA decides 5-7 complaints per day on an average and works for 20 days a
month [excluding Sundays/Saturdays/Holidays/Leave etc], it will take nearly two
years to clear the backlog. In addition there will be equal number of new
complaints in these two years. Thus pendency will continue to be around 2500
equal to 2 year period against mandated 90 days as per IO rules.
3. Many of
complainants may be senior citizens and this killing pendency is putting them
in financial and mental tension at the fag end of their lives. Some will
unfortunately not get decision/award during their life time. Thus the very
purpose of IO scheme of speedy and cost-effective disposal of complaints
against insurance companies is mercilessly butchered, more so for senior
citizen insureds in Gujarat. Most complaints will get time barred for complaints
under CPA 1986/2019 [if decision is not satisfactory] putting further loss to
insureds for no fault on their part and undue gain to insurance companies.
4. Such
pendency also undermines Central and State Govt’s Insurance Covers to masses
under welfare measures initiated by Hon’ble Prime Minister.
5. This
being pitiable condition of IOA, while I am sure ECOI and IRDAI are capable to resolve
it in the interest of insureds, I humbly suggest that even after posting
permanent IOA latest by Aug 2019-end, the visiting IO should continue for few
days in a week/fortnight at Ahmedabad till pendency is reduced to 180 days if
not mandated 90 days as per IO Rules.
6.
Alternatively, I suggest that complaints of senior citizens should be
separately listed for priority hearing and disposal by IOA and 1 or 2 days in a
week/fortnight should be exclusively reserved for hearing and disposal of
complaints of insureds who are senior citizens at the time of filing. The life
time of senior citizens is fast running out.
7. Please
take suitable action urgently specially for AIO.
8. To make
IO Scheme more user friendly and effective, I also suggest:
a] appeal
mechanism like Banking Ombudsman,
b] on line
filing of complaints and video or audio hearing on mobile like CIC/some SICs [Digital
initiative of Central Govt and ease of living]. CPA will fully go online
shortly as per new CPA 2019 BILL.
c] Provision
of Internal Ombudsman [as prevailing in banks under RBI directives] for all
Insurance Companies. This is successful in Banking Sector.
d] Circuit
benches at various places other than State capitals.
e] President
or Chairman of two leading NGOs working in consumer protection be included in
Council of ECOI, as there is no representation of insureds at present in the
Council.
I hope you
will respect principle of “Ease of Living” as pronounced in today’s
independence speech by hon’ble Prime Minister. This was also quoted by hon’ble
Finance Minister in her budget speech of 2019.
Thanking
you,
Yours
faithfully,
J P SHAH
Copies by
email to:
1. Insurance Regulatory and Development Authority of
India
Gachibowli, Hyderabad – 500032
e-mail: irda@irda.gov.in
–with a
request to kindly intervene in the interest of insureds, specially senior
citizens
2. Secretary, Dept of Consumer Affairs, Ministry of
Consumer Affairs, food and public distribution, GoI, New Delhi Email: secy-ca@nic.in
--Consumers of Insurance Cos are adversely affected.
3. Secretary,
Dept of Financial Services, Ministry of Finance, GoI, New Delhi Email: secy-fs@nic.in -Please expedite solution.
4. Secretary, Dept of Social Justice and Empowerment,
Ministry of Social Justice and empowerment, GOI, New Delhi email: secywel@nic.in Please intervene
as senior citizens are affected
adversely
5. Consumer Education and Research Centre, Thaltej,
Ahmedabad-380054