AADHAAR RELATED ARTICLES: 7200 - Easier insurance with Aadhar

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, January 14, 2015

7200 - Easier insurance with Aadhar - Hindu Business Line

Easier insurance with Aadhar

CL BARADHWAJ

Planning to take up a new insurance policy? If you already have an Aadhaar card, here’s how it will help you in the process.

Quick KYC

First, it helps in speeding up the KYC (Know Your Customer) procedure. When you take a new policy, your photograph, name and address proofs will be taken by insurance companies. Aadhaar details can be used as one of the KYC documents for insurance companies to conduct basic due diligence.

Besides, the e-KYC process provided by the UIDAI (where you can authorise service providers to receive an electronic copy of your proof of identity and address) helps avoid submission of documents and makes the process customer-friendly. During the process, a request for a one-time password (OTP) is sent to the UIDAI’s repository. You then have to confirm the OTP received on your mobile number along with the Aadhaar number to the repository, which then confirms your identity, address, etc., to the insurance companies.

The e-KYC process comes in handy in the case of online insurance. In that case, you need not upload KYC documents on the website, but will just have to do an OTP-based verification of KYC when you submit the proposal form online. If you opt for e-insurance account (electronic policies), insurance buying becomes seamless end-to-end.

Helps underwriting

Having an Aadhaar card also helps sort out any queries the insurer may have or any clarifications that they may need at the time of taking the policy itself.

While the insurer can cross-check with any other previous policies based on name, date of birth or PAN, it comes with its own limitations. For instance, you may have spelled your name differently or taken an earlier policy with a different surname or you may not have a PAN card.

It is also not uncommon for people to register a different date of birth when joining school. But an Aadhaar number overcomes these limitations. Therefore, in order to generate the previous policy particulars, the Aadhaar number, if declared earlier, serves as a unique reference code.

Claim-related frauds

Aadhaar has the potential to prevent claim-related frauds in insurance. However, it requires a mature system, under which all service providers insist on recording the customer’s biometrics before enrolling a customer.

Also, if a central repository can be created about individuals, where the person’s history can be stored, including information like treatments taken in hospitals, claims history in the past, etc., it will help insurance companies prevent fraudulent claims.

Even in health insurance, such data availability about the customer’s health would be very helpful in fixing premiums and deciding claims on pre-existing illnesses.

The writer is Sr. VP (Compliance) & Chief Risk Officer, Bharti AXA Life Insurance

(This article was published on January 11, 2015