IRDA(Obligations of insurer~s to Rural or Social Sector) (Third Amendment)

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( )) rm1 # 1•:nfl·q ~,f ·n' 1F;,:Jl'l-l ·1~,,m •O•Fl; 'lfll C,,i\{llll OflNDll\~l'.XrnA◊IU)rN,ql\• ···-· "'':f~ .... ,-.:·.:..· of U1c tot.ii grc,ss p, cm1um incon,c written direct in that ycm; (ii) Social Scctor,-- tl) for the financial year 2007-08 the ave1agc of'thc 1111inhcr or lives covered by the rcspoctin· i11s111 c1 in the ~ncial s,·ch>r lio111 the lin.incial ,, ,,rs :'.002-0.1 lo 2004-05 111 5.50 lnkh live~. whi<'hevcr is hi,i;hc1; (II) for the 1111:m..:ial ) ~M :1008 09, the obligations or the cxi.,,i11.:, i:," shall increase by IO pc, cent over the number of pcr~on~ p, l'~cribcd for the lillllnci,11 ycar2007-ll8; (Ill) for the financial yenr 2009-10, the ubl1gations nr the exist mg ins11re1s shall i11ercasc by l O pr.:r tent uvcr the numbe, of pc1so11s prescribed for the financial year 2001!-09. (2) The ohllg,ations or the i11$111 crs, townrds the rural and the sot.:tal sectors for the financial ycilf 2009- 10 sh.ill also be nppltcablc in lhc fina11cial ye.us thetc~lkr". (iv) After Regulation 11,\, the !'ollowing Hci:ulations 5, 6 :111d 7 sha!I he added. ''5. N11tcs applicable fn Rcp,11f11tinus J,.3A, Jll, 4 n11<I 4A. -ti) The lc1111 'lives' referred to 111 Rcg11!11tiuns J, 3/\, Jll ;ind <'IA III r,:spcct of' all insurers 1cl'c1s to h11111a11 lives in~urcd ns at the cod ol' each financial yc:11 12) Hc-i11s11rn11r~ p1cmiun1 sh;ill not lw included while rakulat ing lhc obliga!ion~ or tile i11surcrs in rc5pcct of !be rural ;ind soci,11 S('rlors, "(3) l"hc /\lfthor ily nwy I' cscrilic vr rcvi~c tlw ohl1g:11i1:11r, a~ spcrili<:d in lh,::;..; l(rJ_\ltl:lli•ms. from ti111,; lo tin,c. (,. Co111pl.i:1<>cc.-(l) r.o, 1hc p111po::c n! th~s(' Reg11l11tinns. C<Hnpllan< e "1th the ohiign!lons toward~ 1h,· 1 urnl scrto1 i•1 ,c~pr.rt 11i'ho<l1 g1:11l't al .i11d lik. c11:11p,111i,·, sh;ill '11· l>:1:;,•d 1111 II,,_. s 1k ;>I' prod11ds ( onrm11>i11g lo Ilic p1·nvi::o th.ti all such cnnlr;itt~ 11,cct thi: 1;(ip11! 11wn ;\.s tn th,: 111111•m11m a111111m1 cl rnv,:1 :is lnid rln1\ 11111 Scltcd11lu.~ I ~nd 11 n(·,,,.- lo· .. ,,..,,,re Hc~ulator y :ind D1i1,ch>p1111:111 1\ulhoriry 1M icrn 1,m11a11cc) l{rgul;1rirn1., :mos. (2) For the p11:_po~c olllwsc lti:g11lalio11.~. rntnpliancc with the ntil1g:tho11s tnw11ds thr .\ot:i:d sct·tc,r in rc~pcct ofi,01h general :inrl life co111p;111irs !;hall be based on tlw snlc ol'p1oduc1,, c0nfot·1n1n3 \Q the provi~;1 tha( all s11:h e<Jntraw; n1oet th~ stipula(io!l~ as lo the cove, laid dow11 in Schcd11I,•~ ) ,i11cl fl ol' Jn1:111 a11cc HL·golalorf and Dcvclopn,r.111 1\11lbnri.y I Miuo t 11su1 :,nee) Rt.:gulati\011,1 2005. 7. Suh111i~sio1• of rl'(nrn~.-· l~\'CI \' ii1.~111c• sh:ill submil:, •·l':llrn. ;15 pill t 11i'1ltc lirn111\ ial, c(111·11,; In lw ~11hmi!IL,f 1111dertl11· l11su1:111cc lleg11l:1tnry and l)cvcl(>J11,1ut /\utltm i1y ( l'rq,aral iilll ol Fin:uic·i;d Statements and /\uclitrn!; Hcporl of lns11r,11i.:c Co111pa11it•s) R1:gul,1tions, 200,L (he nJl':tl :111d suc;i,11 ~,ci:t1i1· l'hlig,ati1111•: spcl'dird 1111dc1 thc:;c rcg11lnti1111s ,111<.1 disdo•,<· lhe Jcvi;i ofco111plianq: .td11cwd dill in1•. thr. s.ii(.f yt·:11. S11ch I c 1mrt111g shall li1r111 parl ol'lilt' 'Noles lo th.; /1rco1!11I~'" C. S RAO. Chain11on Ii\ UVT. l!l/•1!161/21)07il'.xty l 1'1i111t,<1 hr lh1· M.tllil[!rt. {;<J\'I .. r l11cl1il Pre~•- Ring l(o>od, M:11s1p1111 NW l)rih1-l l0011•1 a11,t Pul,ltih,·d h, !It<· C,,nlrolkr of 1'11ht1c 11,nns. D.:11\J• I I 111•5 I ' J. . ' . . INSURANCR REGULATORY AND D~:VELOPMENT AlrrllORITY NO fl FICATJON I lydc1 nhnd, th~ 3rd Jnrn1t11}', 20011 li1surcnrc Regulatory nncl l)cvclopmc111 Authority {Oblig11lions of lnsurc'ncr lo H.ornl 01· Soch1! .Sedor~) (Th ird ,'\mcnd11m11) Hq(td,ilmn~, 2003 F. No. IHD/\/Ht'l!l!/4:Znoml:-·-ln c.~crcisc of the powers conferred by Scdion .32C rca,1 wilh se<:1 1011 32.ll 111' lhc lns11rancc ,\cl, 1938 (4 or I t')J8), lht /\1,1lht'ri\y. 111 COIISllllali(III with lht: llisurann: !\dvi,01 y C'o,11111111,·c, hereby makes lite fi1llo\\'i11g ll,·i;ul.ilit,ns lo li1rthr;r amend the Insurance. Rcgt1latory ;111(1 lkvclop111cnl /\ulhorily (Ohlig111io/1s of ln~urcrs to Rural or St>ri,11 SGt:lors) Rrg,ulalions, 2002, J1ol1tied on 0l'iobc1 17, 2002 in tlw Ga1rue of lndin F.No. IRD/\!Rcg/lfl/2002 and 11111cnrJcd nn Dcn:oii>cr:1.6, '.WO.'i i11 lhc Gn7CIIC of India f'.No.1 R 1)/\ 'Reg/ 4/200.'i/37. namely :- 1. Short titl1: aud commcnr~imc11t. -(!) 'lhcsc 1cg11la1inns may b,~ called lhc l11s111 ,1ncc Regulatory 1111d Dcvcloprncnl Authority (Oblig;ition•; of lnsqrcrs to Rurnl 01 Social Scc101 s) (Third i\mcnchm:11I) Rcg,ulations, 2008. (2) They shall come into fo1ce 011 rhc date of lhc,,ir public.ilion in the Ol'ficial Gazelle. (J) l11 the lns11r:11irt' Rct~11l;ilo1y ,111d llcvdnpmt:11( /\11thori1y (Obligations of Insurers lo l{urnl 01 Social ~ki:tors) Rcg11J;i1,011s. 21l(J'l, (i) 1 hl' lhird 11111,i',(I In ll~J'.11l:,11011 , sh:tll sl.111d deleted. (ii) 1\ lier R cgu 1<11 iun J /\ as i11scrlc<I by I I!,· h1~11n11ic~· Regulatory :ind D<'vclnpmcnt /\ulhority (Obligation ol'lnsurc1s lo Runil 01 St>rial Sectors) (A111cnd1ncnl) Rc!c\lll,lliPnS, 2005. the follow1ng J{cgulatinn 313 shall he adclc.d: "JIJ. Ofllit(:rtions :iftcr the Sixth Fim111l'i:1I Ycar.-- (l)(;i) Rural Sector (iJ in respect ofa lil'c ini:urcr, (l) ci.,;htccn pc1 ccnl in lhc sc,cnth linancial year: (II) nine1cc11 per cent 111 1lw cigl1L11 :tnd 11i11!h li11:111ci;il yc:11s: (llll lnc»ly p.:r cci,1 i11 lhL' tc111h li11:1111:ial ye.tr. of'lhc 101:1I pulic,cs written d11ccl i11 that year, (i1) in 1c.spccLof;1 gcnc1al 1ns111c1. (I) live per cent in llw $CVl'llth fi11;1m:ial year: (l.l) si., pr1 ccl\l in lhc ; ighlh (ina11i:1ul yc:1r; (Ill) S<~vcn p<;r cent in I.hr 11i111!1 :111d 1,:1:lh litHihcial ycnrs; oflht; toliil grns~ prcmiu,n 1qc11111c 11Tillcn dirc:cl in 1.1ml year. (I) l\',l/;ill)' live tl1nU.\.ll1d lin•:, i11 1111.: st!~tl!th fi11;11Ki,,i ycu,, (II) tf;,qy five tho11:,a·1d li\'('s in 1l11· c11•l111> ti,1,u1cia~) ca,; ( Ill) f111ty the thc•11sa 1(1 live~: in th,: 11iJ11h fiti:tncial y,:ar; (IV) fi;ly live lhousa11d live:; in the k11L11 fin;inc:ial vc11r ('.l.', n1c nhlig;iliqn.~ \)r ihc lllStlll'I :: I0\\',11 els the 1'111':tl and soci~I scclurs for the ten .h lina11cial yt•:u •:lrnll ;il,o be applic,1hlc in rcspccl ol'lhc finanl'!al) c::irs 1hr;:1caflcr." (,1i\ !\lier H1-ruh1lt0n •I. fhi:. ii1llow1n!,\ Rct•.ulation 4/\ shall be adtkd : -·- '',1!\. Ohlign fjrins of the c~ i!:I inr, i11~t1i'<'l'8 fnr I ht• lin,mo.:ial p·;;rs 2007-U!l l-1 200'>- IO. (I) Th,: olilig;11in11s 111 lhL, c~isling i11s11rcrs :ts t111 th,: d,11v <11'1hc ,;rnn111~•1cc111L'lll nf'llw lns111~111,L' lll'g11l;ito1 I' and l),;vclop,n~1,1 I\ 111 h11ril \' !\cl. 11)9'1 lt11.v,1 -11, flit: ri11al :11ul.:1!H.'' 11 !\t.'lin1~; I; ,,11, lite: l111:1nnal) .'ill ✓.007-0:1 In 11,t• li11:.111ci;,I yew ;·.no9- Io :ire ;ii 1a1,.kr (;i) Lile lnsu1,.111cr Ctlrp11r:1lin11111'111rlia, (i) ll11r:tl :-,ccl11r. (I) II, ,:11ty four per n·11t i11 tile fi11anri,il ~ nr 2007-0f<; (HJ l11\;nfy ll\'C pn cent in the li1m11ci,1I y0ors 2008-09 ,111d 1009-10, nflhc loin! pplicll'S 11·11tlrn di1L:C:I in thal yc:ll; (ii) Sncial Sec1or. (f) l 1.,enly lilkh livc.s i11 lhc financi,tl yc:11~ 71)07 08. )_(){)8 .n•J awl 2001)-10. {I) si--,. p1·r L'cnl in Iii:: li11a11r1al yc,11 :'()1_17- IJ!,; (II) i:< "en PLT rc11! i1, the l'i11,ll't:t,tl )'•';JJ :, :it/08·09 ;rnd 200')- I 0. ' 2 n II'. G,\/.Cl7 I'. 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