Thursday, July 14, 2011

Re: Urgent reply solicited from IRDA chief

Request to all to fwd this mail to IRDA chief and FM. Alok

The Chairman,

Dear Sir,
Pl. note that all those who are looking for buying a policy are getting half deal/ half info and lot of misguidance.

We wish to clarify thru u on following:

  1. Why Personal accident policy is stopped by all insurers at the age of 70 yrs? Earlier to formation of IRDA all insurers were giving PA policy for life. My mother was covered even till the age of 87 yrs and I have those documents with me. But now due to blessings of IRDA and entry of private insurers everyone is giving cover only up to 70 yrs. Pl. explain. 
  2. Most health policies are stopped by insurers at the age of 80 yrs. Why? If one buys policy at the age of 25 and survives till 90 then in spite of paying insurance co. he is thrown out by insurers after the age of 80 years. This has happened only after IRDA was formed. 
  3. Brokers  have benefits of infinite no. of staff and infinite no. of branches. So they should be working on turn over. But because IRDA wanted that way the insurers are giving officially 30 % commission to them. Then they give 45% discount to car owners then what r the insurers left with? Besides brokers are killing career small time agent by giving away portion of their commission to customers and thus snatching away business of small time career agents. 
  4. Insurance is a very committed and personal touch affair and needs service back up. However staff of banks and brokers sell insurance either by discounting or by arm twisting. But who will give service? They keep switching jobs/ keep getting transferred etc etc..
  5. The claim level can go up when one is above 60 years of age. And there r many single senior citizens in bedridden condition or so. A career agent used to go to their house and give all support or service. But all insurers have reduced their commission to 5% so giving that service is not possible. While brokers and financial institutions dont give home service to ailing old clients yet get 30% commission on the directive of inhuman policies of IRDA. 
  6. Most insurance companies specially LIC, and Govt general insurance cos dont update their site for years, don't give all the forms , tariffs, etc on their web site, they don't reply to emails, they dont generate policy in stipulatd time and IRDA shelters them.Why?? AMFI / SEBI has made time and date stamping a must for all mutual fund houses and new IPO's and they have to act on applications in stipulated time, they have to refund money in stipulated time as time is punched on every transaction but due to the blessing of IRDA these insurers take their own time at their sweet will. While a agent from family of manager of insurers or brokers who are ex insurance company seniors get their work done in time but other agents are kept dragging because IRDA behaves as sold our hand in glove organization. Like 2G and 3g scam their is a scam in appointing brokers too. 
  7. All insurers are refusing to cover poor persons for less then s 1 lac sum assured for health. Is this the directive by you?
  8. All insurers are not promoting and are least interested in covering senior citizens. While world is extending all assistance to senior citizens but for IRDA and insurers. 
  9. Most insurer s are not settling claims in time frame.
  10. Most insurers are not giving commission and TDS certificates to agents in time. Why?
I request you to explain and clarify all my queries , disclose all facts or I will be filing an RTI against my above letter and chase u on these issues.

Alok Tholiya


Monday, July 11, 2011

Urdu is not a compulsory ..........Vasanwala

Cud not find time to read mail but title and sender name suggests the fanaticism. 

I m originally for Rajasthan but born in Mumbai. I do not know marwadi and does not like to know or does not want my children to learn. Communication is importance which ever language gives me media to communicate to my target audience just that is imp. to me. 

Thanks and Regards,
Alok Tholiya 
From: Asghar Vasanwala
Sent: Wednesday, 6 July 2011 12:57 AM
Subject: All other Indian languages are State languages; Urdu is not. Therefore, Urdu is not a compulsory subject in any state and its readership is declining.

Urdu media modernises, but declining readership a worry
Submitted by admin4   on 4 July 2011 - 4:24 pm
*    Indian Muslim
By Abu Zafar, IANS
New Delhi : Overcoming technical and commercial challenges, Urdu media in
India is now trying to re-invent itself as big corporate houses enter the
market. But the wider problem of lack of readership persists.
The advent of the digital technology has made it easier to print Urdu. Gone
are the days when 'qatibs' (calligraphers) diligently traced out the script
on to transparencies and then the letters were inverted before printing them
on a lithographic machine. Now it is done through desktop composing and
printing, just like with other languages.
Financial constraints are also easing.
According to Aziz Burney, group editor of the Roznama Rashtriya Sahara
daily, big corporate houses are now keen on entering the market and are
investing in the Urdu media - something which was unimaginable about a
decade ago.
"There is a lot more job opportunities in the Urdu media today than what the
position was in yesteryears," Burney told IANS, painting a contrast to the
times when the media was facing a lack of good content.
The Roznama Rashtriya Sahara publishes 16 editions from 10 places across the
country and claims a readership of over three million. It also publishes the
Aalmi Sahara, a weekly newsmagazine, and the Bazm-e-Sahara, a literary and
culture monthly.
In a sign of the resurging popularity of the Urdu media, the Dainik Jagran
group started Daily Inquilab newspaper with New Delhi, Lucknow, Allahabad,
Gorakhpur and Varanasi editions. The United News Of India's (UNI) Urdu
service, which was launched in 1992 with six subscribers, now is said to
have 84 subscribers in different parts of India.
According to the Registrar of Newspapers for India (RNI), Urdu stands third
in terms of number of periodical publications after Hindi and English.
However, the biggest problem is of the declining number of people able to
read Urdu. Munir Adil, editor of the Daily Salar in Bangalore, thinks the
biggest problem that the Urdu media faces today is that of readership.
"The Urdu language is commonly used in Bollywood, but falling number of
readership of Urdu newspapers is the biggest challenge," Adil told IANS.
"The elite class is obsessed with the English language."
Others in the field seek a greater stress on content.
Noting that there has been "new colour, new life and new courage in Urdu
journalism in India", Adeel Akhtar, president of journalists union
Journalism for Justice, told IANS: "The Urdu media needs to focus on
investigative journalism and the trend of depending on news agencies should
be changed now."
The view is shared by Ehtesham Ahmed Khan, associate professor at the School
of Mass Communication and Journalism in Maulana Azad National Urdu
University at Hyderabad.
"The Urdu media needs to focus on its content because content is king," he
Journalists however raise several problems with regard to working
conditions. "There is no job security in the Urdu media, nor do we have a
strong union backing us," Mohammed Mubashiruddin Khurram of The Daily Siasat
And gathering news is not the sole preoccupation. "We have to gather news as
well as advertisements for revenue, "Alamuallah Islahi of the Daily Sahafat
newspaper told IANS.
According to Srinagar-based journalist Sareer Khalid, Urdu journalists need
to be better trained.
Going one step ahead, Rehana Bastiwala of BBC Urdu said: "For a better Urdu
media, the standard of Urdu schools should be improved".
However, the situation in the electronic media is better. According to
Rashtriya Sahara more than 90 million people speak Urdu in India, of whom 40
million are television viewers. There are at least five Urdu news channels,
including Doordarshan Urdu, ETV Urdu, Aalmi Sahara and Munsif TV, apart from
some others dedicated to religious content.
"The reach of Urdu news channels is massive. A person who knows Hindi can
easily understand Urdu," Burney said.
As far as radio services is concerned, BBC Urdu, which was started in 1940,
has a big impact in India. Apart from BBC, Voice of America, Radio Deutsche
Welle and All India Radio's Urdu services are also popular in Urdu speaking
(Abu Zafar can be contacted at