Introduction

•Insurance in rural areas.

•Background of insurance

vision

The poorest of the poor landless agriculture labour deserve access to relevant and affordable insurance and be protected from risks on death and disability.

missionTo empower the community (SHG-federation) to play an active role in insurance operation through SERP, to reduce people’s vulnerabilities through social security measure like Aam Aadmi Bima Yojana (AABY), Jansree Bima Yojana (JBY),Other Group Insurance(OGI),

Objective •To study the working of the call centre in Zilla Samakhaya.•To study the utilization of claim money by the members.•To study the cause of death of insured member.•To study time taken in the distribution of immediate assistance to the nominee of the insured member •To study what is the procedure of claim settlement. •To study the settlement claim money reaching the nominee within one month or not. And if not what is the reason?. •To study what is the criteria for doing the agreement with the insurance company.

Methodology

Primary data:-•Focus group discussion with the SHGs members.•Discussion with the individual member.•Discussed with the DPM, APM, Bima Mithras.•Questioner

Secondary data:-•Collect the data from the mandal.•Collect the data from the call centre.

Indira jeevitha bima padakam:-

• Aam Aadmi Bima Yojana:-

• Janasree Bima Yojana:-

• Other Group Insurance:-

Call centre operation at a glance

Payment of solatium in the claim village to the

nominee

Bima mithra and one committee member

Claim village

Call centre located in Zilla Samakhaya

A.T.M

phone

Bimam

ithra take

Rs. 5000/-

Pho neVerify the death

From the

ATM he

goes to

claim village

Service delivery system:-

member

Village organization

Mahila samakhaya

Zilla samakhayacash cash D.D

Membership amount

Claim amount

Process of claim settlement/approximate

timeStep-1:- after getting a call from a family member or VO, call centre directs bima mithra to visit the family. Then bima mithra visit the family, pays Rs.5000/- and fills the

claim cum discharge forms. Bima mithra gets the signatures of nominee and informs them to submit the

required certificates within 5-6 days. The MS sub-committee member who accompanies bima mithra does

the follow up for obtaining the certificates. Step-2:- Point person collect the required certificate

from the CA and point person submit the claim application with the required certificate to the call centre.

 Step-3:- ZS sub- committee with the support of anchor person verifies the document and hand over to the call

centre operator. 

Step-4:- call centre operator scans the documents uploads in the web-portal by on-line.

contdStep-5:- LIC verifies the claims and remits the amount depending on the types of death to zilla samakhaya account through on-line. Step-6:- ZS shall prepare a cheque. Step-7:- and finally point person goes to the bereaved family and hand over the cheque.

The utilization of claim money by the members:-

•They fix the claim money in the bank.•They save the money for the future education of children.•They utilize the money for doing the small work.•They use the money for the marriage of their children.

Learning

•Working of the call centre in Zilla Samakhaya.•Unique role of Bima mithra.•How the member are enroll in different scheme.•How the cheque reach to the members.•Web managed data base.

Recommendation:-

•If the insurance company can’t give the whole money then give the member some interest on the saving so that they can get something out of the saving.•If the member is insured in the insurance scheme then their children should get the scholarship after the class 12th. •There should be some awareness or motivation programme