Friday, June 15, 2012

Common man can't expect any fair deal from Insurers, IRDA, Consumer courts , Ombudsman etc..

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REALITY OF CASHLESS HOSPITALIZATION-WORLD WIDE?- An attractive advertisement by Indian Insurance Co's to mobilise policies from overseas travellers.
1) Sr.Citizens going abroad to see their children cannot afford to pay the Huge Hospital bills in foreign currencies .That is why the above head lines attract them. But the Insurance Companies/their TPA's  are not providing/guiding them to name or provide the net work hospital's list maintaining this as their Proprietary.
2) They reply to insured to admit in any hospitals and take their approval simultaneously. Their policy annexures states insuch case they request the hospitals to entertain CASHLESS HOSPITALIZATION and send bills directly to them. Insurer also mentioned that in the event of a hospital not acceding their request the Insured has to directly settle the bill with the Hospital and later claim from the Insurer on arrival to their Home town on which insurar disallow fully or partly  lot of expenses saying Pre-existing or category celings.
3) Foreign Hospitals are not entertaining Insurer's request until and unless that Co or their TPA  prove their credit worthiness .
4) Thus Sr.Citizens are cheated under this ground .
5)  I am one of of the Victim to this, though I am not suffered in Hospital but with the Insurer.

Icici Lombard cheating public on overseas insurance Cashless hospital policies-I was one of the victim. In Canada I had false chest pain. I has a shocking news from hospital there that they are not entertaining cashless policies of Indian Insurance .Then I asked Lombard to name the Hospital/Network list in Canada. They refused saying it is Proprietary inspite of warning from V.C of Consumer redressal forum-Delhi on their deficiency of service. After concluding their policy is a waste for me  I arranged a local policy. I cancelled policy of Lombard and asked for full refund. They offered only partial refund. I filed with Insurance ombudsman Chennai. They dismissed my complaint siding Insurer. I had return to India in Nov-2011. I understand time is there to file a case till Nov 2012.  I had purchased this policy on internet-value Rs 25000-for my self & my Spouse.issuing office- Icici Lombard  Mumbai. My residence is Chennai. I want to know weather:
1) I can file a case in District Consumer forum in Chennai based on my Residence (or)
2) I have to file a case in District Consumer forum in Mumbai based on Icici Lombard issuing office- Mumbai. KLY Advice.
I have all Documents to support this case.
Thanking You.

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Posted less than a minute ago 

Alok Tholiya I am Online

self employed
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I hv not read fully your mail so I do not know merits of ur case but I know as a insurance agents that most insureres in India are poorly equipped, hv bad quality mangers, TPA's get registration thru wrong means, IRDA, Ombudsman, consumer courts are eye wash and protects insureres. You hv to run piller and post.Only Annajis Lokpal may give right ppl at helms of affair and then only u can hope to get good honest service from these spolt brats of IRDA a Govt of India agency . 

How and why Mafias came to rise in Mumbai

Alok Tholiya  adds: 
What gave birth to Mafias/ don in Mumbai..... police refused to act against erring , nuisance making tenants, advocates not only sucked the blood but make clients dance to their tune and courts take few generations to deliver judgments , legislature does not want to displease vote bank. And all this resulted in mafiagiri, Mumbai becoming slumbay as rental housing disappeared, and due to no money with landlords and attitude of tenants to only misuse, over use and exploit the landlords property we see falling buildings everywhere in Aamchi Mumbai. And those who won elections after elections in the name of Aamchi Mumbai invited and settled illegal migrants in illegally built slums as these sons of soil were and are getting huge bribe for same be it BMC, POLICE, revenue, city survey, collector, tahsildar staff or any other department.

And all these mafias shared the booty with home ministers and their top officials and all of them kept thriving. 

Book: Dongri to Dubai: Six Decades of the Mumbai Mafia
Author: S. Hussain Zaidi
Publisher: Roli
Pages: 378
Price: Rs 350
One of the most infuriating tendencies of Indian journalists and reviewers is to read a book, and then use material found therein as if they knew it all along. Having been subjected to this kind of nonsense for a long while, let me say that I do not know much about the criminals of Mumbai and so I would read a book like this to find out about them. Fair warning.
If you have always been fascinated by the underworld, this is the book for you. It has the kind of informal detail that will keep you in cocktail conversation for years to come. For instance, there’s a story about the don of the dockyards, Karim Lala, and his walking stick. It was given to him on his 50th birthday and at first, Hussain Zaidi tells us, the don was not particularly enthused by it. However, his aides said that it might add to the strength of his personality. He began to carry it around and soon it became a symbol of the man and his power. Lala had a sideline in evictions; landlords went to him when tenants refused to vacate. Naturally, Lala charged for evictions and so the stick gave two landlords an idea. Chaman Singh Mewawala and Abdul Qureishi thought up a plan — they would ask Lala to loan them his stick. They would plant it in front of the premises they wished to vacate and in this way, they would get the desired effect without having to pay Lala. The synecdoche seemed to work.
Now, two things occur to me.
Did Lala not see that loaning his stick to these two was tantamount to losing income? And if a reader is to understand the way in which landlords and tenants are related in Mumbai, it is necessary to explain the provisions of the Bombay Rent Act of 1947. This was emergency legislation, pushed through because the end of the World War had caused a shortage of rentable space, because landlords were raking in big bucks, because ordinary Janardhans were being pushed out on to the street by those who wanted to rent their flats at higher rates. The act proved so popular with the lower middle class that it was never repealed, never touched, even though old fixed rents became unfair to landlords and detrimental to the upkeep of older buildings.
Now, when did Karim Lala start using his stick? After his fiftieth birthday? When did that happen? Zaidi has no dates so I checked the Net and was told that Lala was born in 1911. (Is this true? I don’t know. I am telling you my sources and I am telling you that my sources are suspect.) That makes it around 1961, enough time for the Bombay Rent Act’s provisions to have become unfair to the landlords. But did this happen before or after the devaluation of the rupee in 1966, which would have really hammered the landlords? A history like this cannot only be about persons; it must take into account the city and its history. Dongri to Dubai doesn’t.
My second problem with the book is that Zaidi invents conversations. He did this in Mafia Queens of Mumbai and here, he has Karim Lala talking to Haji Mastan, the man whose life inspired Yash Chopra’s Deewaar, although he is reported to have said after seeing it that it was too violent. Mastan asks whether Lala would be interested in supplying him with some labour for his smuggling operation on the docks. “You intrigue me, Mastan bhai,” says Lala. Hmm.
But this should have been the work of the editor and editorial intervention is marked by its absence. Clich├ęs abound. “Even in the fifties, people from all over India were drawn to Bombay like a moth to the flame,” we are told. Clumsiness is common: a gent called Chinka Dada had “two country-made revolvers at the either side”. At another place, we are told, “With nothing but a sheer force of aspiration Varadarajan moved to the city of dreams…”
But these are quibbles. So editors are dead or deadened. But this book is alive with insider information. “Keep people’s bellies full and balls empty,” says Vardabhai, a gang leader who has had both Vinod Khanna and Kamal Haasan play him on screen. With details like that, who needs good writing?

Sunday, June 10, 2012

Alok does PHD and shares with all for their benefit.....Pl. send ur views on this mail‏

Let donkey ( CEO) work for you and carry ur load and yet give master what he would have never got without this donkey.....learning to share .......and reaching top ....and making  dreams reality.......share 5% mantra  ......( and get 95% otherwise unrealisable ) ..Alok

What they dont teach in Havard:
How to start branch after branch:
How to start another unit/ franchise/ agents/ brokers :
How to start encashing on idle / unutilised (normally ancestral property) strength/ resources/ property etc.:
How to get the work done:
How to make others dance to ur tune: simple awnser ....SHARE  SHARE AND SHARE and ACT ACT & ACT IMMEDIATELY AS no one has seen tomorrow.


My dear all,

I m not competent to offer advise / or talk about modern corporate working (neither u have asked me to) but yet I want to share few things as seen by me:
 Negative side:
You shud have lots of guts, influence, fearlessness ( of law and god) , be non approachable ( have PA’s, VP’s, whole time directors) , make govt officials in ministries , ministers etc ur shreholders and then:
1.Get bank loan
2.get huge pc of  land
3. Get licences in ziffi ( a poor cobbler will take few yrs to get his licence )
4. Get ( steal) water, power etc.
5. Break rules, evade excise, sales tax, Income tax etc etc

But finally bring co. to profit. Once there is a profit then fool investors, cheat brokers will ensure that ur scripts goes up and up.

Then plan another venture where there is a profit of above 150%. Hire one CEO. Put him to  task. He fails then replace and he succeeds then go and put another industry.

Keep adding on and just look in to balance sheet of each industry on quarterly basis and that’s it . If  it is in red it is funeral of its CEO/ M.M., VP, and shareholders etc and if it brings profit then go ahead acquire another industry / project / ( govt is out to give all projects to handful of industrialists whether they have know how or experience or not) ( they in turn tie up with foreign companies by adding their cost ) ( if the project was given to directly to foreign good company then cost cud be 50% down). But then they may or may not be able to bribe as much as Indian cos wud by compromising with quality, delivery time, they will be able to revise quotation with the bribe several times and see the quality of project : santacruz east sky walk has several type of mismatching tile, they r slippery . so no consideration of beauty, grace has been kept and tiles r not anti skid so in monsoon, etc old, weak, women, children r slipping and falling. But on the other hand these industrialists r making house from 100 cr to 1600 crore ( Ambani). They r in IPL, Horse race , foot Ball and every other thing. See the houses of ministers and bureaucrats which r shining like gold, forget tiles every other thing is in good taste, aesthetic, interiors of class but public projects r in dirty design and looks. And then lights in subways don’t work, their favourite voters from UP , Bihar keep spitting everywhere and no law is made to stop this infectious diseases spreading dirty habits.

So to sum up : U can make money : rise high : if u can pocket ministers , officers and fool investors.

The CEO : CEO thinks he is the boss but he is the slave of 24 hours of the company and is supposed to give results or be out.

Share holders: Lot of money will be syphoned out, but balance sheet will be attractive and further is 4 word advise by sms or email brokers will give So called advise ( tip) and u will invest blindly ( out of lust) and buy manipulated share.And keep them in locker and sleep.

Banks and land:   Not for poor, not for needy, but for those who can give rosy projects, make who’s who partner, can bribe they will get loans at lower rate and land for peanut price.

Licences: U will not get even death certificate for months without bribing and several visits, u will not get death body released form municipal morgue without money, u will not get to register FIR without hours of harassment and bribe , U will not get justice from Indian courts for decades, it took 6 months and 20000/- bribe for me to get one water connection of ½ ’’ but these industrialists get biggest NOC’s , licences, permissions, connections  in seconds and on their table . How?? Their projects r operational in a year but a small man will run everywhere personally but no permission comes in hand for years . Why???

Because the Indian Industry runs on different theory which is not taught in Havard.


But then Kutchi Gujrati samaj has been following the above appoint CEO principle very successfully ( though most of their business runs successfully on tax evasion like grocery, electrical, hardware, food, clothing, garment , utensils, crockery, stationary, xerox, etc etc  where they never issue any bill , never sell any thing with proper price printed, quality assured but they thrive).
So coming back to their using appoint CEO feature: They have a very good network with in community. Community takes care of old, suffering, sick, students etc.. So their own people do not cheat the employer easily from own community. When some one is running a business of retail nature then normally they r not able to expand easily as they r stuck up on their own cash counter and controlling staff and stocks . But when a kutchi is running one  business successfully then he does not stop there. He picks up one of his good own community staff and makes him a working partner and starts another shop. And then next and then next. So I have seen Kutchis and to some extent godvalia marwaris and shettys in hotel industry grow faster then others as they open new out lets / branches depending on working partner which in new management we call CEO. Is in’t it a fine and useful  idea. But u shud have control over the working partner / CEO who shud not deceive and achieve in time frame ur objectives. Best thing in present environment is have clear cut black and white  MOU/ target/ profit sharing/ goals so nothing is left to chances, misinterpretation, feud, confusion etc.

Say there is a group of brothers with a family owned property. All may be busy in some other business activity and the precious piece of land may be lying neglected or may be gulped by land sharks or may one day go down the drain due to fight in 3rd / 4 rth generation on ancestral property with different objectives, aims , aspirations etc..
In such a case all busy co-owners can appoint a CEO with clear but wide powers and fixed responsibilities so in set period a ambitious project comes up. IF it works out then same efforts can be continued by making it a regular joint business. Or they can part with the fruits of the unutilised piece of land on which there r many eyes set.

But is is not easy for most. Not all want to share the profits and in turn loose what they can get out of untouched project themselves / opportunity lost is lost. But there r most people with the attitude that main karun bhi nahi and karne bhi nahi duuun ( nither I will do or I will let u / other co-owners do). Main kar bhi nahi sakta lekin mein karne bhi nahi dena chahta ( I know I have no time, no skill, no resources to do but yes I will also not let other person do). Such people wait for destiny and prey that apple should fall on  their lap/ jholi. Yes it may one day fall but if by chance u get a nap and others can take away that apple which was about to fall in ur jholi and for which u have been waiting for long. So the brilliant r those who employ CEO who risks his life and climbs the tree who plucks all the fruits, secures them , gives you as and when u want them and for all these services he expects a small share from ur orchid. It is up to u to decide whether u want to be without assured returns in ur own life time or u want to share the fruits and happiness of  success shared .

Thanks and Regards,
Alok Tholiya (S.E.O.),Marigold Hall,