uid

When I opposed Aadhaar in 2010 , I was called a BJP stooge. In 2016 I am still opposing Aadhaar for the same reasons and I am told I am a Congress die hard. No one wants to see why I oppose Aadhaar as it is too difficult. Plus Aadhaar is FREE so why not get one ? Ram Krishnaswamy

First they ignore you, then they laugh at you, then they fight you, then you win. -Mahatma Gandhi

In matters of conscience, the law of the majority has no place. Mahatma Gandhi

“The invasion of privacy is of no consequence because privacy is not a fundamental right and has no meaning under Article 21. The right to privacy is not a guaranteed under the constitution, because privacy is not a fundamental right.” Article 21 of the Indian constitution refers to the right to life and liberty -Attorney General Mukul Rohatgi

“There is merit in the complaints. You are unwittingly allowing snooping, harassment and commercial exploitation. The information about an individual obtained by the UIDAI while issuing an Aadhaar card shall not be used for any other purpose, save as above, except as may be directed by a court for the purpose of criminal investigation.” -A three judge bench headed by Justice J Chelameswar said in an interim order.

Legal scholar Usha Ramanathan describes UID as an inverse of sunshine laws like the Right to Information. While the RTI makes the state transparent to the citizen, the UID does the inverse: it makes the citizen transparent to the state, she says.

Good idea gone bad
I have written earlier that UID/Aadhaar was a poorly designed, unreliable and expensive solution to the really good idea of providing national identification for over a billion Indians. My petition contends that UID in its current form violates the right to privacy of a citizen, guaranteed under Article 21 of the Constitution. This is because sensitive biometric and demographic information of citizens are with enrolment agencies, registrars and sub-registrars who have no legal liability for any misuse of this data. This petition has opened up the larger discussion on privacy rights for Indians. The current Article 21 interpretation by the Supreme Court was done decades ago, before the advent of internet and today’s technology and all the new privacy challenges that have arisen as a consequence.
Rajeev Chandrasekhar, MP Rajya Sabha

“What is Aadhaar? There is enormous confusion. That Aadhaar will identify people who are entitled for subsidy. No. Aadhaar doesn’t determine who is eligible and who isn’t,” Jairam Ramesh

But Aadhaar has been mythologised during the previous government by its creators into some technology super force that will transform governance in a miraculous manner. I even read an article recently that compared Aadhaar to some revolution and quoted a 1930s historian, Will Durant. Rajeev Chandrasekhar, Rajya Sabha MP

“I know you will say that it is not mandatory. But, it is compulsorily mandatorily voluntary,” Jairam Ramesh, Rajya Saba April 2017.

August 24, 2017: The nine-judge Constitution Bench rules that right to privacy is “intrinsic to life and liberty” and is inherently protected under the various fundamental freedoms enshrined under Part III of the Indian Constitution

"Never doubt that a small group of thoughtful, committed citizens can change the World; indeed it's the only thing that ever has"

“Arguing that you don’t care about the right to privacy because you have nothing to hide is no different than saying you don’t care about free speech because you have nothing to say.” - Edward Snowden

Special

Here is what the Parliament Standing Committee on Finance, which examined the draft N I A Bill said.

1. There is no feasibility study of the project]

2. The project was approved in haste

3. The system has far-reaching consequences for national security

4. The project is directionless with no clarity of purpose

5. It is built on unreliable and untested technology

6. The exercise becomes futile in case the project does not continue beyond the present number of 200 million enrolments

7. There is lack of coordination and difference of views between various departments and ministries of government on the project

Quotes

What was said before the elections:

NPR & UID aiding Aliens – Narendra Modi

"I don't agree to Nandan Nilekeni and his madcap (UID) scheme which he is trying to promote," Senior BJP Leader Yashwant Sinha, Sept 2012

"All we have to show for the hundreds of thousands of crore spent on Aadhar is a Congress ticket for Nilekani" Yashwant Sinha.(27/02/2014)

TV Mohandas Pai, former chief financial officer and head of human resources, tweeted: "selling his soul for power; made his money in the company wedded to meritocracy." Money Life Article

Nilekani’s reporting structure is unprecedented in history; he reports directly to the Prime Minister, thus bypassing all checks and balances in government - Home Minister Chidambaram

To refer to Aadhaar as an anti corruption tool despite overwhelming evidence to the contrary is mystifying. That it is now officially a Rs.50,000 Crores solution searching for an explanation is also without any doubt. -- Statement by Rajeev Chandrasekhar, MP & Member, Standing Committee on Finance

Finance minister P Chidambaram’s statement, in an exit interview to this newspaper, that Aadhaar needs to be re-thought completely is probably the last nail in its coffin. :-) Financial Express

The Rural Development Ministry headed by Jairam Ramesh created a road Block and refused to make Aadhaar mandatory for making wage payment to people enrolled under the world’s largest social security scheme NRGA unless all residents are covered.


Wednesday, November 4, 2015

9021 - How point-of-sales person will help curb misselling of insurance - Financial Express

The PoS can sell comprehensive motor insurance, third-party liability, personal accident cover, travel insurance policy, home insurance policy and any other policy specifically approved by Irdai

By: FE Bureau | November 3, 2015 11:44 AM


To facilitate the growth of non-life and health insurance business in the country, the Insurance Regulatory and Development Authority of India (Irdai) has introduced a new type of distribution model called Point-of-Sales Person.
It will be an individual who possesses the minimum qualifications and has undergone training and passed the examination as specified in the guidelines.

There are a number of people involved in undertaking simple and routine activities like solicitation and marketing of insurance policies. For example, a bulk of products in motor insurance, travel insurance and personal accident insurance require very little underwriting. These are largely pre-underwritten products where information is provided by the prospect and the policy is generated by the system. The intervention required for such a product is minimal and the training and examination for such persons could be of a lesser degree.

The guidelines suggest that there will be two types of persons who will solicit and market insurance policies. For one, an insurance agent, or specified persons of corporate agent or broker-trained persons for soliciting and marketing insurance policies or insurance sales persons of insurance marketing companies. The second will be Point-of-Sales Person (PoS) who can solicit and market only certain pre-underwritten products approved by the authority.

The PoS can sell comprehensive motor insurance, third-party liability, personal accident cover, travel insurance policy, home insurance policy and any other policy specifically approved by Irdai. Every policy sold through PoS will be separately identified and pre-fixed by the name PoS. The insurer will have to file the product with the regulator under the file-use guidelines for information.

Every PoS will be identified by the Aadhaar Card Number or his PAN Card. The persons soliciting and marketing such pre-underwritten products approved by the authority as PoS will have to be at least a matriculate. He will be sponsored to National Institute of Electronics and Information Technology (NIELIT) by the insurance company or the insurance intermediary with whom he will work for undergoing online training specified for PoS. The fees for the online training and examination will not be over R500, which will be paid to NIELIT by either the insurance company or the intermediary sponsoring the individual.

The training module will be hosted on NIELIT website as approved by Irdai and the PoS will appear for the online examination conducted by NIELIT, which will be the examining body. On successful passing of the examination, the candidate will be issued a letter by NIELIT certifying him as a PoS.
The PoS will be made liable to a penalty as per the provisions of Section 102 of the Act. Where  ever sales are done through the insurance intermediary, the latter will record the Aadhaar card number or the PAN of the PoS in the proposal form. Insurance companies and intermediaries will have to make suitable changes in their policy administrative system to capture the Aadhaar number or the PAN details of the PoS. Also, the PoS when engaged by the insurer will place business with that insurer subject to compliance of rules and procedures of that insurance company.

The insurance regulator will specify the format maintaining returns which the insurance company and the intermediary will maintain in electronic form and these can be accessed by the authority on a remote location base.

The formats will have to mention the number of policies sold and the premium collected by the PoS on a monthly basis. The policy will be tagged to the Aadhaar number as every proposal form — in paper or paperless form — will carry provision to record the Aadhaar number of the person selling the policy.
Analysts say the move will curb misselling of policies as the insurance company can keep a tab on the PoS.

First Published on November 03, 2015 12:05 am