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Regulation

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IRDA to unveil standard Term Policy and covers for MSME and small dwellings soon:Khuntia 

The guidelines regarding the standard products for term plans, dwelling and MSMEs will be rolled out soon by the regulator, said Subhash C Khuntia, chairman  Irdai, while addressing CIIs 22nd Insurance and Pension Summit on Thursday.
The segment regulator is also looking to introduce the risk-based solvency for the insurance companies in next three years. 

The regulator also believes that negative growth seen in the new premiums for insurance industry since March, will improve in the months to come. 

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China’s Anbang Insurance Group to apply to disband, liquidate

After the Anbang take-over, China has tightened regulations on the country’s financial holdings companies to defuse risks accumulated by a group of non-financial firms that it says expanded blindly into the financial sector.

On Sunday, the People’s Bank of China (PBOC) issued related new rules, setting requirements on registered capital, total assets, and assets under management on eligible financial holdings firms.

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IRDAI plans broad basing exclusive Carona covers, moots digital health insurance claim platform:Alamelu

“We are thinking of ways and means, sooner than later we will issue instructions on how standardised Covid-specific health insurance policies can be mainstreamed, renewed, features of porting migration so that Corona Rakshak and Corona Kavach policyholders continue to get a good cover not only for Covid but entire health sector.” said T.L. Alamelu,member (Non-Life),IRDAI on Friday while addressing an ASSOCHAM National e-Summit on Challenges, Opportunities & Way Forward for Health Insurance Under Covid Attack.

She also indicated that  the regulator is currently is working on plans to develop a digital claim settlement mechanism involving all stakeholders – policyholders, insurers, TPAs, hospitals that could be stitched up with National Digital Health Mission.

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RBI in process of constructing digital payment index to assess extent of digitisation: Exec director

“RBI is in the process of…constructing and periodically publishing a composite digital payment index (DPI) to capture the extent of digitisation. The DPI could be the key to accurately measure the deepening and penetration of digital payments across the country,” he said while addressing a webinar organised by the US-India Business Council.

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IRDA allows wide-ranging incentives by insurers to promote wellness and affordable health insurance

 Based on criteria stipulated for wellness and fitness, insurers may endeavor promoting wellness amongst health insurance policyholders by offering host of services:

-Health specific services provided by Network providers or other empanelled hospitals / service providers for the following (in addition to any such benefits already offered):

-Outpatient consultations or treatments

-Pharmaceuticals

-Health check-ups/diagnostics

-Including discounts on all the above.

–  Redeemable vouchers to obtain health supplements.

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IRDA forms panel to examine relaunching of Index-linked products by life insurers

Currently, IRDAI, product regulations do not specifically permit insurers to sell index linked products and life insurers have been requesting the IRDAI to allow them to offer index linked products.

The working group will examine the need for index-linked products in India , availability of various indexes and how it will better serve the needs and interests of customers relative to traditional savings product.

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