AADHAAR RELATED ARTICLES: 9021 - How point-of-sales person will help curb misselling of insurance

In 2009, I became extremely concerned with the concept of Unique Identity for various reasons. Connected with many like minded highly educated people who were all concerned.

On 18th May 2010, I started this Blog to capture anything and everything I came across on the topic. This blog with its million hits is a testament to my concerns about loss of privacy and fear of the ID being misused and possible Criminal activities it could lead to.

In 2017 the Supreme Court of India gave its verdict after one of the longest hearings on any issue. I did my bit and appealed to the Supreme Court Judges too through an On Line Petition.

In 2019 the Aadhaar Legislation has been revised and passed by the two houses of the Parliament of India making it Legal. I am no Legal Eagle so my Opinion carries no weight except with people opposed to the very concept.

In 2019, this Blog now just captures on a Daily Basis list of Articles Published on anything to do with Aadhaar as obtained from Daily Google Searches and nothing more. Cannot burn the midnight candle any longer.

"In Matters of Conscience, the Law of Majority has no place"- Mahatma Gandhi

Ram Krishnaswamy

Sydney, Australia.

Aadhaar

The UIDAI has taken two successive governments in India and the entire world for a ride. It identifies nothing. It is not unique. The entire UID data has never been verified and audited. The UID cannot be used for governance, financial databases or anything. It’s use is the biggest threat to national security since independence. – Anupam Saraph 2018

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

In the Supreme Court, Meenakshi Arora, one of the senior counsel in the case, compared it to living under a general, perpetual, nation-wide criminal warrant.

Had never thought of it that way, but living in the Aadhaar universe is like living in a prison. All of us are treated like criminals with barely any rights or recourse and gatekeepers have absolute power on you and your life.

Announcing the launch of the # BreakAadhaarChainscampaign, culminating with events in multiple cities on 12th Jan. This is the last opportunity to make your voice heard before the Supreme Court hearings start on 17th Jan 2018. In collaboration with @no2uidand@rozi_roti.

UIDAI's security seems to be founded on four time tested pillars of security idiocy

1) Denial

2) Issue fiats and point finger

3) Shoot messenger

4) Bury head in sand.

God Save India

Wednesday, November 4, 2015

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

How point-of-sales person will help curb misselling of insurance

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