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General insurance companies carrying on crop insurance business must implement specific measures to improve crop insurance scheme implementation and customer servicing. Insurers must depute senior-level officials with decision-making powers to stakeholder meetings and designate an authorized senior permanent employee for each allocated cluster. Companies must deploy adequate manpower in each cluster for liaison, awareness, portal uploads, and crop cutting experiments. Insurers must establish a robust system to register individual loss assessment requests, send written rejection letters with reasons when rejecting requests, and conduct loss assessment surveys as per guidelines. Furthermore, companies must conduct widespread awareness programs, provide call center responses in the state's official language, and disclose crop insurance details on their websites in vernacular languages.
What you must do
Key dates
Who is affected
Ask about this circular
[Image omitted. See the official document.]
भारतीय बीमा विनियामक और विकास प्राधिकरण INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY OF INDIA
Ref: IRDA/NL/CIR/CRPI/047/03/2019
Dated: 15/03/2019
All General Insurance Companies Carrying on Crop Insurance Business
Subject: Effective implementation and improvement in servicing of Crop Insurance Schemes
The Authority has been receiving various complaints/ suggestions in respect of Crop Insurance claims. It may be recalled that a workshop on Crop Insurance was conducted by IRDAI on 15ᵗʰ November 2018 wherein representatives of various stakeholders, apart from representatives of Insurers participated. Fruitful discussions on various relevant issues took place.
For effective implementation of Crop Insurance Schemes, insurers are advised to be guided by the following:
Proper representation in stakeholder meetings relating to Crop Insurance: - Insurance companies must ensure proper representation in crop Insurance meetings that may be called for by relevant stakeholders. Senior level officials having the required decision making power should be deputed for such meetings.
Designate Authorized Persons for each allocated cluster- Companies should designate an authorized person for each cluster. This designated person should be senior level permanent employee of the company having sufficient decision making powers for smooth implementation.
Deployment of adequate manpower by Insurance Company for each cluster- Insurance Companies should ensure that sufficient manpower should be deployed for each cluster for different activities such as:
Individual loss assessment: Insurance Company should put in place a robust system to register all requests of individual loss assessment. Where a request for individual loss assessment is rejected, a written rejection letter mentioning the reason should be sent to insured. For all other cases, loss assessment survey should be done as per prescribed guidelines.
Awareness Programme: - Widespread awareness programmes should be conducted for educating farmer on scheme guidelines, claim settlement process and grievance redressal process.
Response in Vernacular Language: -Insurers should ensure that at call centers/ Toll-Free numbers responses should be available in State's Official Language other than Hindi and English. Websites of insurers should disclose crop insurance related details in the vernacular language for the benefit of farmers.
Please confirm having noted the above.
[Image omitted. See the official document.]
Yegnapriya Bharath CGM (Non-Life)
सर्वे नं. 115/1, फाइनेंशियल डिस्ट्रिक्ट, नानकरामगुड़ा, हैदराबाद-500 032, भारत
[Image omitted. See the official document.] : +91-40-2020 4000 वेबसाइट : www.irdai.gov.in
Survey No. 115/1, Financial District, Nanakramguda, Hyderabad-500 032, India
[Image omitted. See the official document.] : +91-40-2020 4000 Website : www.irdai.gov.in
