Insurance kalpui dan her danglam tum

India insurance regulator’s plan in rah tha a chhuah thei a nih chuan ram chhunga chenna in tinte chuan phak tawk single policy health, life, property leh accident te pawh huam vek bakah darkar rei lo tea chinfel mai theih leh value-added service heng gym emaw yoga membership nih theihna pawh keng tel vek insurance policy kalpui a ni thei.
India rama mirethei zawkte insurance-a tuam tuma hmalakna kal zelah Insurance Regulatory and Development Authority (IRDA te chuan khua leh tui tena an lei phak leh pawh phak leh harsatna awm thut pawha an him theih zawkna tur industry platform inang siam tumin hma a la mek a.
He hmalakna hi kalpui tak tak tur chuan legislative amendments te ngai dawnin banking sector te nena thlunzawmin ruahmana siam fel tur tam tak a awm thung a, khua leh tui te chu ‘Gram Sabha atanga district chutah state level’ thlengin huam tir vek tum niin he ruahmanna hi a hlawhtling a nih chuan he sector-ah hian hna 1.2 crore vel a siam belh tura ngaih a ni bawk.
Insurance-ah ‘protection gaps zau tak’ life, health, motor, property emaw crops-ah a awm mek, tiin IRDA chief Debashish Panda chuan a sawi a, hei vang hian ‘UPI-like moment’ ang general leh life insurance ah ruahmanna fel tak neia kalpui ni se tiin chu chu “Bima Trinity” tiin a sawi a.
Bima Sugam platform hmangin insurers leh distributors te chu platform khatah customer te tana one-stop shop siam a ni ang a, a hnuah zel pawh service kaihhnawih leh settlement te pawh he portal khat hmang tho hian kalpui theih a ni dawn bawk a ni.
He mi kalpui zel nan hian regulator te chuan product pakhat Bima Vistar tih chu kalpui tuma ruahman mekin he mi hnuaiah hian life, health, property leh casualty or accident te pawh huamtir tel vek a ni dawn a, insurance chinfel pawh awlsam tea kalpui tum a ni bawk.
“Ruahmanna felfai tak hloh emaw a awm pawha surveyor te emaw mamawh leh tul miah lova kalpui kan tum a. Hloh a awm a nih chuan benefit chu policy holder bank account-ah a lut nghal ang a. Mi tin tena an phak tawk anga kalpui kan tum a ni,” tiin Panda chuan a sawi a, bank te chuan premium payment-ah auto-debit authority an kalpui theih nana thuneihna pek tum a ni, a ti bawk.
Hei bakah hian IRDA chuan hmeichhiate thlurbing bik Bima Vaahaks (carriers) chu Gram Sabha tinah kalpui ni se an ti bawk a, chutah chuan chenna Ina hmeichhia a lu ber nihnaah te Bima Vistar chu eng emaw vanduaina thlengah a tha hle dawn a ni, a ti bawk a.
State ten births and deaths registration an digital mek tawh tia sawiin Panda chuan IRDA platform te pawh chung registries te nena thlunzawm a nih chuan insurance chinfel pawh nikhat thil thuah darkar ruk vel chhung leka tihfel mai theih a ni ang a ti bawk.
“Policy holder tena an tihtur awm chhun chu platform a luh niin insurers’ repository atanga an policy kaihhnawih thil chu darkar 6-8 inkara chinfel mai theih a ni dawn a, a tuk lawkah claim settlement chu account ah a lut mai dawn a ni. Hei hi thil thlak danglam vek thei tura kan ngaih a ni,” tiin a sawi bawk.
Kum 2047-ah India mitin te chu insurance huamtir hman vek tum a nih thu sawi bawkin IRDA chuan State-level insurance committee tuna banking sector a awm mek ang chu din vek tum a ni a ti bawk a. State sorkar chuan district-level plan siamin hma an la thei tiin a sawi bawk.
Hei bakah hian IRDA chuan sorkar chuan insurance law amendment siamin investment tam zawk a awm theih nana capital mamawh te a awm theih nan insurers te hip an ngai dawn a ti bawk a.
Tunah chuan danin a remtih loh thil a awm nual a. Dan siam thar a nih chuan health cover chhungah yoga membership-te telin chu chu tunlai thalaite chuan an duh phah thei a. Chu mai bakah 1,000 km vela hlaa awm i nu leh pate nursing service kalpui theihna tur pawh huam teltir theih vek a ni, tiin Panda chuan a sawi bawk a.
Chumi tur chuan dan siam thar a ngai a, player thar hrang hrang micro, regional, small, captive players, specialised player te leh composite license nei te pawhin luhchilhin hman theih an ni ang a. Chutiang anga kalpui chuan mipui tin te hmun hrang hrang leh tlang hrang hranga leng te chu a huam vek thei dawn a ni, a ti bawk.