Irda
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The passage summarizes the Insurance Regulatory and Development Authority (IRDA) act in India. It established IRDA as a statutory body in 1999 to regulate and promote the growth of the insurance industry. IRDA's mission is to protect policyholders' interests and ensure the orderly growth and development of the insurance sector. Its key objectives include registering insurance companies, protecting policyholders and investors, and regulating solvency requirements and accounting practices. IRDA oversees various functions like issuing licenses, monitoring investments and claims settlement procedures. It has 10 members including a chairman and whole-time/part-time members appointed by the Government of India.
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Irda1
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- 1. Insurance Regulatory And Development Authority (IRDA)
- 2. Introduction: The passage of the Insurance Regulatory and Development Authority (IRDA) act in 1999 can be seen as a dividing line for insurance business in INDIA. It was an outcome of the implementation of the recommendations of a high-powered committee, which suggested the setting up of a statutory body called Insurance Regulatory and Development Authority in 1996.This body was later renamed as as insurance regulatory and development authority with the passage of IRDA ACT BY THE PARLIAMENT.
- 3. Mission Statement: • "TO PROTECT THE INTERESTS OF THE POLICYHOLDERS, TO REGULATE, PROMOTE AND ENSURE ORDERLY GROWTH OF THE INSURANCE INDUSTRY AND FOR MATTERS CONNECTED THEREWITH OR INCIDENTAL THERETO. "
- 4. Major Objectives Of The IRDA act: • To promote orderly growth of insurance industry in the country, including registration of the insurance companies • To administer the provisions of the insurance act • To protect interests of policy holders and investors • To device control activities needed for smooth functioning of the insurance companies including investment of funds and the solvency requirements to be maintained by insurance companies • To lay down the accounting methodology to be adopted • To adjudicate on disputes
- 5. Functions of IRDA: • As defined by the IRDA act,1999,IRDA performs the following broad functions: • Ensure orderly growth of the insurance industry • Protect interest of policy holder • Issue consumer protection guidelines to insurance companies • Grant modify, and suspend license for insurance companies • Lay down procedures for accounting polices to be adopted by the insurance companies • Inspect and audit of insurance companies and other related agencies • Re-insurance limit monitoring
- 6. Function continues: • Vetting of accounting standards, transparency requirements in reporting • Ensure the health of the industry by preventing sickness through appropriate action • Publish information about the industry • Prescribe qualification and training needs of agents • Monitor the charges for various services by insurance company • Monitor investment
- 7. Duties and Responsibilities of IRDA Section 14 of IRDA Act, 1999: • issue to the applicant a certificate of registration, renew, modify, withdraw, suspend or cancel such registration • protection of the interests of the policy holders in matters concerning assigning of policy, nomination by policy holders, insurable interest, settlement of insurance claim, surrender value of policy and other terms and conditions of contracts of insurance • specifying requisite qualifications, code of conduct and practical training for intermediary or insurance intermediaries and agents
- 8. Duties and Responsibilities of IRDA: • specifying the code of conduct for surveyors and loss assessors; • promoting efficiency in the conduct of insurance business; • promoting and regulating professional organizations connected with the insurance and re-insurance business; • levying fees and other charges for carrying out the purposes of this Act; • calling for information from, undertaking inspection of, conducting enquiries and investigations including audit of the insurers, intermediaries, insurance intermediaries and other organizations connected with the insurance business;
- 9. Stipulations as regards settlement of claim: • IRDA regulations has laid down the following stipulations as regards of settlement of claim: – All the requirements needed under death claim are to be sought in one instance – Admit or repudiate the claim in 30 days – All the investigations needed to be completed in 6 months – Interest at 2% over banks rate is payable in case of delayed settlement
- 10. Composition of authority: • As per the section 4 of IRDA Act' 1999, Insurance Regulatory and Development Authority (IRDA, which was constituted by an act of parliament) specify the composition of Authority The Authority is a ten member team consisting of (a) a Chairman; (b) five whole-time members; (c) four part-time members, (all appointed by the Government of India)