Scams in India ..IRDA is no exception and goes down to Insureres, TPA's and hospitals..

Slno	ClaimNo	Auth. Date	ClaimType	PolicyNo	Cardno	InsuredName	PolicyHolderName	HospitalName	DateOfAdmission	DateOfDischarge	CaslessRequestAmount	CashlessGrantAmount	ClaimedAmt	FinalDisallowedAmt	ApprovedAmt	SumInsured(SI)	BalanceSI	ClaimStatus	Remarks	Deduction Reason	Chequeno	ChequeAmount	Chequedate	Awb. No.	DispatchDate
1	UN-3-143160		CASHLESS	021200/48/11/20/00000547	AHUN0300643135	VIMLA	SANJAY JAIN	MITTAL HOSPITAL AND RESEARCH CENTRE	31/07/2011	31/07/2011	100000	0	0	0	0	110000	110000	Query Raised For Cashless Authorization

 

The M. D.,
Alankit,

Pl. note that I am the husband of agent of above policyholder and also relative of policy holder. Agent is attending to serious ill mother in ICU hence I am doing this correspondence.

With reference to above this is to state that ur site as above shows patient discharged. However patient is still in hospital.
1.Pl. inform how did you get this false info that patient is discharged.
2. Being service organization normally TPA's should come under RTI. Pl. clarify.
3. Your site says:  Query Raised For Cashless Authorization. Pl. inform what query has been raised?
4. Why the query is not uploaded on ur site with other above details?
5. You have asked for 10 years policy copies from hospital. Is hospital suppose to possess such copies??
6.Is policy holder suppose to possess such copies / records of 10 years?
7. Does 10 years copies mean you want bribe of Rs. 10000/- to clear cashless?
8.Is it true to get TPA license your company has bribed to Chairman IRDA 10 crore ??
9.Is it true that insures pay you higher fees for delaying / harassing/ refusing claims.
10. Is it true that when u ask for details from insurers they ask bribe from you so you insist info from hospitals who do not have such info and can not have such info. And finally after under hand dealing you approve cashless and the effect is that that hospitals are left with no choice but to overcharge, follow unethical means to recover bribe paid to you ( and u paid bribe to IRDA for TPA license like we see in case of spectrum licenece and all other posts by eagles and  appointed by eagles/ Govt  ).

Pl. reply to all queries one by one as matter is going to go to consumer court.

CC to others : In one line while the senior citizen was on death bed ( ICU in bad condition) instead of TPA / Insurers harassed for 3 days asking for policy copy of 10 years fronm hospital and in turn hospital asking from patients relative.  If I describe the whole episode of harassment meted out then may be some of u will have tears in ur eyes. But that is a sorry state of India contollede by bureaucrats. That is why we want LOKPAL BILL OF ANNAJI. And imagine where claimanet is senior citizen, paying 12500/- p.a. for over a decade for a policy of just Rs. 1 lac and they are made to run pillar to post.

And if I go to Ombudsman, or to consumer court or anywhere all r seated there thru back door/ corrupt practices , influence, caste system etc so no one will listen to me and I will waste my life in stinking corridors of these officers.

Hence I do not have any faith and hope in our system,.

Will some international body intervene. Can UNO put pressure on India to humanize its brutal system headed by lusty bureaucrats?? 

--
Thanks and Regards,
Alok Tholiya,

I just m concerned with future .....

Again my concern is future. Whenever I made a mistake my grandfather used to tell us ko ( nuksan / galati) ko akkal khate mein dalo and age bado ( do not harp on last/ past mistakes, learn from it and march ahead).

My concern is can I , person like you, and other enlightened citizens do something that we ensure safety, peace,better living for our future generation/s?

Let us think what ails us and how to cure and march ahead and rapidly ( but in lawful, morally correct) way.Idea is not new many country/s have done so.May be latest is Malaysia.

How can we rise above petty issues,petty interests, petty differences and elect a better govt who takes us further.Surely con,BJP and such parties can not.

Why not ask Anna ( I am open to any good name) and similar forces in all communities to form one common vigilance team who can ensure that good , reliable,transparent,committed candidates win. That will be like a board of directors and the CEO ( elected person0 will work under their supervision.

Thanks and Regards,
Alok Tholiya (EX-S.E.O.), M:9324225699 :
Tholiya Bhavan,
10th Road , Santacruz east, Mumbai 400055
 
"TAKE ONLY WHAT YOU CAN CONSUME, MONEY IS YOURS BUT RESOURCES BELONG TO THE SOCIETY. THERE ARE MANY OTHERS IN THE WORLD WHO ARE FACING SHORTAGE OF RESOURCES. YOU HAVE NO RIGHT TO WASTE RESOURCES.´"

ONLY AUTHENTIC FREE MATRIMONIALS WEBSITE FOR DIGAMBAR JAINS: www.digambarjains.com/ 

For Issues of women in distress: http://womendignity.blogspot.com/

For Issues of Sr. citizens : http://varishthanagrik.blogspot.com/
Issues of Public interests : http://aloktholiya.blogspot.com/

http://tenantsoftholiyabhavn.blogspot.com/
For education funds : http://ngoandsociety.spaces.live.com/default.aspx

Also subscribe to my very popular yahoo group for mails on ahead of time views: Send blank mail to: menow-subscribe@yahoogroups.com

 precious collections: http://beautifulwe.blogspot.com/

---

From: asgharf@att.net
To: tholiya@hotmail.com
Subject: RE: Did Jinnah visualize Pakistan as is today? In Pakistan, Hindus and other minorities are troubled. In 1947, Hindus were 15% now only 2% remain. Los Angeles times article dated July 25, 2011. All should be tolerant to other religions.
Date: Wed, 27 Jul 2011 17:07:06 -0700

I think Abul Kalam needs lots of our praise. He was sane voice in that violent period. Orthodox schools like Devband were against Muslims having separate land. In Islam, deserting one’s motherland is bad. However, Jinnah a non-practicing Aghakhani, could project himself a messiah and mesmerized the Masses even though he couldn’t speak Urdu. It was strange.

It was because Muslims were illiterate. Most never saw map of India or knew where Pakistan was. Muslim masses were so much against Hindus that they got blind to their own interest. My Uncle used to say Pakistan’s Jahannum is better than Indian Jannat. But, then they never left for Pakistan. it was all talk. We believed that Dahod and Godhra or at least our Mohalla will be Pakistan. Although prominent schools like Devband and many other olema were against creation of Pakistan. They Said, Muslim never flee from their land. Prophet had to Hijrat but then came back and took charge of Mecca. Jinnah got Bohra Syedna’s support so Bohras were for Pakistan. We used to wear Jinnah cap and Jinnah Sherwani to Masjid and Waez during pre-Partition period. Now they have discarded Jinnah cap; it is Bohra cap only.

From: Alok Tholia [mailto:tholiya@hotmail.com] 
Sent: Tuesday, July 26, 2011 8:28 PM
To: Vasanwala; holy_trinity@googlegroups.com; santacruzcivicforum@yahoogroups.com; tholiya@yahoogroups.com; menow@yahoogroups.com; resortstimemeshare-india@yahoogroups.com; jainmatrimonials@yahoogroups.com
Subject: RE: Did Jinnah visualize Pakistan as is today? In Pakistan, Hindus and other minorities are troubled. In 1947, Hindus were 15% now only 2% remain. Los Angeles times article dated July 25, 2011. All should be tolerant to other religions.

I cud not read the mail fully. But I am sure founders of both India,Pakistan, Bangla desh and Sri lanka all had some major leaders with psychological disorders. 
Everyone played pleasing politics and vote bank politics.
No one implemented rule of law so we never ever would have had riots. Dubai, Singapore and many country just do not tolerate riots but here it goes on like yearly /seasonal festival.
Next is family planning. When China cud introduce and then why not INdia? Once we have family planning and not by coercive measures but by incentives and education then we can tackle poverty better. And ofcourse be it Pak, I < Bangla desh the leaders and bureacrats have been so corrupt that inspoite of heavy taxes we see no improvement in our poor living conditions. 
 
Thanks and Regards, 
Alok Tholiya (EX-S.E.O.), M:9324225699 : 
Tholiya Bhavan,
10th Road , Santacruz east, Mumbai 400055 
 "TAKE ONLY WHAT YOU CAN CONSUME, MONEY IS YOURS BUT RESOURCES BELONG TO THE SOCIETY. THERE ARE MANY OTHERS IN THE WORLD WHO ARE FACING SHORTAGE OF RESOURCES. YOU HAVE NO RIGHT TO WASTE RESOURCES.´"


ONLY AUTHENTIC FREE MATRIMONIALS WEBSITE FOR DIGAMBAR JAINS: www.digambarjains.com/

For Issues of women in distress: http://womendignity.blogspot.com/

For Issues of Sr. citizens : http://varishthanagrik.blogspot.com/ 
Issues of Public interests : http://aloktholiya.blogspot.com/

http://tenantsoftholiyabhavn.blogspot.com/ 
For education funds : http://ngoandsociety.spaces.live.com/default.aspx

Also subscribe to my very popular yahoo group for mails on ahead of time views: Send blank mail to: menow-subscribe@yahoogroups.com

 precious collections: http://beautifulwe.blogspot.com/

 

---

Date: Mon, 25 Jul 2011 14:20:16 -0700
From: asgharfv@gmail.com
Subject: Did Jinnah visualize Pakistan as is today? In Pakistan, Hindus and other minorities are troubled. In 1947, Hindus were 15% now only 2% remain. Los Angeles times article dated July 25, 2011. All should be tolerant to other religions.
To: poetry-opinions-currenttopics@lists.elistx.com

Pakistani Hindus' ashes brought to India to be scattered in Ganges

The transfer, delicately negotiated, spotlights a community caught between political and religious divides in Pakistan.. Hindus have been targeted as Islamic fundamentalism and lawlessness have spread.

Murad Buksh, is a caretaker at the Hindu crematorium in Karachi. It houses the remains of deceased Hindus whose last wish was to have their remains scattered in the Ganges - an Indian river considered holy by Hindus. (Mark Magnier, Los Angeles Times / June 10, 2011)

By Mark Magnier, Los Angeles Times

July 25, 2011

Reporting from Karachi, Pakistan—

They sat in the dark for decades, waiting on the shelves of an abandoned library, the laughter and tears that once defined their lives all but forgotten.

Dictatorships rose and fell. India and Pakistan detonated atomic bombs. All the while, the ashes were housed in Karachi's Hindu Cremation Ground, a several-acre legacy of the shrinking Hindu community in majority-Muslim Pakistan.

Finally, after years of lobbying and bureaucratic setbacks, the remains of 135 Hindus who had died as long ago as the 1950s were recently placed in clear disposable boxes (to appease wary customs officials) and allowed a final journey over a tense border to be scattered in India's Ganges River, which Hindus hold sacred.

During the three-day trip aboard Indian and Pakistani trains, an earthquake rocked both nations — a clear sign, said Hindu devotees who accompanied the remains, that the souls had awakened and were ready for the next world.

The transfer, reportedly the first on a large scale since the wrenching 1947 partition that created Pakistan out of the collapsing British rule in India, spotlights a community caught in the middle of a political and religious divide in troubled Pakistan. Hindus increasingly have been targeted by mobs, kidnappers and extortionists as Islamic fundamentalism and lawlessness have spread.

Caretaker Murad Buksh, 63, whose family has tended these cremation grounds for generations, looked over shelves holding urns that have accumulated in the last few months — those with red shrouds bound for India on a second trip, which could be as early as September; those in white to be scattered locally, many in Pakistan's Indus River, which is said to have "sweet waters" similar to the Ganges'.

The cremation grounds, built in the 188s in a then-rural area to serve the Hindu population, are now hemmed in by Karachi's teeming population and ringed by 10 mosques. Hindus, who accounted for 15% of Pakistan's population at partition, now make up just 2% of its 170 million people as emigration and forced conversions take their toll.

In the lead-up to partition, many Hindus in what became Pakistan relocated to Hindu-majority India and many Muslims in India moved to the Islamic Republic of Pakistan. But significant numbers on both sides stayed put. In a bid to reassure Hindus, Pakistan's founder, Mohammed Ali Jinnah, said their rights would be respected, a promise that many feel has since been betrayed.

Ideally, Hindus cremate their relatives' bodies and scatter them in the Ganges. Although many Pakistani Hindus chose to scatter their relatives' remains locally after partition, some families left their loved one's ashes at the cremation grounds hoping by some miracle they'd one day reach India, and join their parents' and grandparents' ashes in the sacred waters.

Several years ago, Karachi-born Hindu priest Ramnath Mishra teamed up with New Delhi's Shri Devo Uthan Sewa Samiti, a religious civic group, to try to make that miracle happen.

Initially, they were stonewalled by officials on both sides. But then the civic group's general secretary, Vijay Sharma, got the Indian media interested, increasing the political pressure. In January, after enough time had passed since the deadly 2008 Mumbai attack that India blames on Pakistani militants, they received the go-ahead. A delegation of 12 Pakistani Hindus accompanied the remains, transported in the trains' overhead luggage racks.

"They're quite heavy," said Mishra, whose family has for 1,500 years, he says, tended a Hindu temple linked to the Karachi burial grounds, "not only physically but from the weight of their souls.."

They arrived in New Delhi on Jan. 21, then waited three weeks for an auspicious date before heading with a band and hundreds of well-wishers to Haridwar, about 115 miles to the northeast, for the ceremony. There, the ashes, mixed with milk and flower petals, were scattered in the Ganges.

"I felt such elation and honor that I could help bring these souls long separated by partition to the banks of the Ganges," Sharma said. "If both sides would allow regular trips for Hindu ashes, it could help both countries respect each other's religion."

Back in Karachi, fewer Hindus these days come to the cremation grounds, where bodies are burned in sunken ash pits, Mishra said, explaining that they are increasingly concerned about being attacked in a country where Christian and minority Muslim sects also are fearful. On some days, several hundred Hindus, including women and children, enter India from Pakistan on pilgrim visas hoping they'll be allowed to stay.

Local Hindus say the cremation grounds are coveted by the Muslim majority. A few years ago, the city government appropriated four acres for a highway overpass, promising compensation that never came, Hindus here said.

The construction destroyed boundary walls, leading to the desecration of some of the grave sites that dot the area. During a state program to help rebuild the grounds, workers and passersby stole water tanks, smashed fences, cut electrical wires and poured ashes out of metal urns so they could sell the containers, Mishra said.

Caretaker Buksh, a Muslim, said he doesn't mind handling Hindu bodies or being on the grounds among the dead. "Collecting the wood, burning bodies — it's a job," he said.

Others are less open-minded. "I don't remember a time when Hindus and Muslims lived in peace," said Nooruddin Bharucha, a shop owner in Karachi's Mithadar neighborhood. "It's OK to do business with them. But they're blasphemers, and that's unacceptable to us."

As intolerance has spread, Hindus living in rural areas have become particularly vulnerable to land appropriation, extortion and having their daughters kidnapped and then being told that they ran away with a Muslim and willingly converted, said Ramesh Kumar, director of the Karachi-based Pakistan Hindu Council. Complaints to the police or courts are routinely ignored, community leaders said.

"Because we're Hindus and a minority, they think we'll just take it," Mishra said. "And no one comes to our aid. We're increasingly vulnerable."

Somewhat ironically, Pakistani Hindus who move to India find they're also discriminated against given their association with Pakistan.

Maharaj Lukhmi Chand, 83, a Hindu priest, was recently kidnapped near Khuzdar in the western province of Baluchistan and held by unknown captors for more than two weeks before his negotiated release. He's frustrated that even though he's been a victim of apparent religious extremism in Pakistan, he's viewed with suspicion by Indian Hindus.

"We're treated as traitors in India," Chand said. "And our community here in Pakistan is over a million people. Not everyone has the resources to move."

More to the point, many Hindus consider Pakistan their home despite all the problems and the increased attacks every time relations with India deteriorate.

"My father and grandfather lived here," said Rajish Kumar, 25, resting in the shade of a tree at Karachi's Shri Swami Narayan Temple. "This temple, where we live surrounded by Muslims, is our enclave."

At the cremation grounds, caretaker Buksh took a last look around the crypt before snapping the lock shut.

"I believe it's the right thing," he said of the ashes bound for the Ganges. "They need to find peace. They should be able to go to India."

mark.magnier@latimes.com

Copyright © 2011, Los Angeles Times

RE: Urgent reply solicited from IRDA chief

Reply to all

bosco coelho to me

show details 5:22 PM (22 hours ago)

Good Evening sir,

After reading i certainly agree to all the the points you have mentioned, I would like to highlight on one such incident as in if a career part-time agent could not complete his or her specified lives or policies mentioned as per IRDA for the agency year or license year, the commission of all those policies which are already processed; the agent does not receive a one single penny from those policy(s) premium or premium commission for entire life and in turn the agent is demotivated and negativity is being created in the agent's mind for that specific insurance company and yet the agent is bond to give service to all those existing policy holders at his or her own cost which i feel is totally unacceptable and IRDA and all the insurance companies should collectively seriously think about it.

IN HUMAN SOLIDARITY

Thanks & Regards

Bosco Coelho
Insurance Advisor
Verticals - Life Insurance, General Insurance & Health Insurance 

Voice - 9923298656

Email - bosco_coelho@hotmail.com

Indian businesses use up 2 million tonnes of paper each year and still growing.

Think before you print this email - do you really need to?

Thank you for saving printing papers

---

From: atholiya@gmail.com
Date: Thu, 14 Jul 2011 18:09:55 +0530
Subject: Urgent reply solicited from IRDA chief
To: shyam_lic@live.in; muna.ram@indusind.com; manmohansingh.aswal@sc.com; Rinkesh.Mehta@hdfcbank.com; Kuldeep.Bhojak@hdfcbank.com; info@ajcon.net; ruchi.chopra@indiabulls.com; vckothari@yahoo.co.uk; rameshwilankar@rediffmail.com; sk.finance@rediffmail.com; ho@nhb.org.in; rakeshkpatni@yahoo.co.in; himanshujani@gruh.com; abhinav1983.jain@gmail.com; neelam@brescon.com; manish.sharma@lichousing.com; skjain@mayfairhousing.com; beautiful_ever27@yahoo.co.in; deposits@hdfc.com; vikram@ssjfinance.com; mdeoraoffice@gmail.com; sebisro@sebi.gov.in; pchander@irda.gov.in; sramadevi@irda.gov.in; lifecomplaints@irda.gov.in; nonlifecomplaints@irda.gov.in; irda@irda.gov.in; rakesh@irda.gov.in; srinivasan@irda.gov.in; nithya@irda.gov.in; rsrinivasan@irda.gov.in; alpesh.tailor@relianceada.com; hemant.bhanushali@relianceada.com; deepak.n@starhealth.in
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Request to all to fwd this mail to IRDA chief and FM. Alok


The Chairman,
IRDA,
India

Dear Sir,
Namaskar.
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 don't 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 don't generate policy in stipulated 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.


--
Thanks and Regards,
Alok Tholiya

Alok digging own grave ...v/s. sick executive of Indian overseas bank..

REG: RTI/136/69/2011-12......the sick executive of Indian Overseas bank

Main meri kabra kodh raha huin (digging own grave ) for the better life of my countryman;s future generation. When every poor, farmer, clerk,peon,driver,constable,widow, women,lay person will be treated with dignity,warmth, and positive attitude, Corruption makes them hardcore and no money/ no vasila / no influence  then u get bad treatment is the order of the day. ....www.aloktholiya.blogspot.com


Dear Shri B M Warman,
CPIO, IOB, RTI Cell Law Dept,
Chennai

1. Pl note that I had taken cash of Rs. 10 to pay as a fees against my RTI application. However  I was told that cash is not accepted. Hence I had to come back  to take out pay order which costed me heavily on time and money. Have u updated all your branches abt accepting cash ? Or u all only sacing innocent lay person by giving complicated big replies instead of assisting them?

2. Pl. note that in my application in point 4 I have given all desired and available information like branch name, account holders name and purpose of account and that he has taken loan for taxi from saidbranch. Pl. read my application in correct mood and do not act like a negative person in dictatorial mood to refuseand reject a lay persons mails. You are supposed to be highly qualified and trained and such silly mistake is unpardonable. While we are ordinary , not so qualified and not trained person and yet ur reply is in insulting, negative tone and not in any format , not in simple truthful language.

3. I don't take any nonsense like this any more in my life having run pillar to post, seen all delays, harassment, non action etc .. In old age people used to go for pilgrimage for shudhi / purification. I am taking head on with non performing, non courteous, dictating , harassing executives, legislature and judiciary. And u will learn for life to behave.

4. Because Indians have been slaves for 1000 years so they are scared and dumb. I am not. If u think can bully and be bossing then I too can. If Govt , Sonia and her ISI pet Digvui can be retaliated by Annaji then what r you? Be careful before handling we the citizens of India if one thinks they have genes of Britishers then we have of Shivaji, Gandhiji and likes.

If u don't send fresh RTI reply to my application using info which is on application and very much visible ( unless u r blind and want me to send in brail) then I will be going in first appeal and asking for penalty for evading such application purposely.

Since 2005 we have started living and after Lokpal Bill we will be living as proud Nation ( presently we r poor because executives like bankers of Nationalized banks, legislature has been looting us and keeping all that money in Swiss instead of development. 

Earlier to 2005 we were having sleepless nights and now u will have same. Authority does not mean har ek ki baja do , rula do!! ( make them dance to ur tune and make them cry) And if u can then we too can. Atleast I am same ruthless to one who is so to me even if my work suffers because what is more important is my dignity and my pride and my lawful rights.

NB : note I am circulating this mail to 50000 + to wake the sleeping citizens and so also give jolt to dictators / rules of innocent lay persons of India. Definitely it will go to ur chairman who must see my application and ur false statement.
Luckily I dont need help of corrupt media to cover my story as internet can make me reach millions.

Thanks and Regards,
Alok Tholiya

Re: Urgent reply solicited from IRDA chief

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


The Chairman,
IRDA,
India

Dear Sir,
Namaskar.
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


--

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
To: poetry-opinions-currenttopics@lists.elistx.com
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
said.
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
said.
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
belts.
(Abu Zafar can be contacted at abuzafar@journalist.com)

My support to Mohan Siroyaji against Film :DELHI BELLY

Dear Siroyaji,

Namaskar.

I think u r right as my wife returned fuming after seeing this film with my kids ( grown up of course) . I cud not go as I was to give company to my daddy. Earlier I was wishing if theater had facility to take a Sr. citizen on wheel chair. But after her and ur review I feel I am lucky I did not go and used that time online for some good work including chatting with Activist Mr Sunil Ahya. I agree and repeat media is totally sold out and perverted. The most unsuccessful cheap mentality having no regard to youth, community or nation have entered this most responsible profession. I was shocked to see headlines of today's times and DNA on first page gossiping abt Maria. Does anything change/ affect our life that their such coverage was necessary?? Or Maria gave them money and ?????? We enslaved citizens are suffering at the hands of bureaucrats, politicians,looting tycoons, builders, mafias , looting schools , looting hospitals etc etc But they have no time to  cover these sinners nor give lime light to our Saviors Annaji and alike but they place Maria on top on a Sunday when whole family is rushing to read paper.They don't give such prominent place to a farmer giving us food grain, not to Jawan who gives us security, not to those who build educational and charitable projects, not to activists, not to those who run free classes/ sanstha  for widows,suffering women,lonely Sr. citizens,etc but they give that space to Maria who was selling her self for getting a chance in TV, who was cheating on her boy friend, who helped kill and then cut in to pieces a young men and then gets a space worth lacs in leading newspapers.

I tell you and others ( and told repeatedly before) if one wants to really do  a good work for betterment of our future generation then don't donate to Miracle man, don't donate to religious places, don't build a charity but start a Chanel and newspaper with people who look media as bringing dignity, law and order, development, honesty, character building and so on. Start a paper which will not look for advertisements and get sold and will not hire cheap sold out conscious less irresponsible reporters.

Hope day will come.......

Alok

--- In karmayog@yahoogroups.com, mohan siroya wrote:
>
> The film has received rave media reviews ( Both print and electronic). Instead of anaylyzing the socio-cultural aspects of the film ,film has been praised sky high .
>
>
>
> To me the entire script is for 'DEBASED" and perverted  with uncultured minds, though in comic form, thru' characters in the film. And in the name of modernity, freedom of expression and "Young  culture", it is openly trying to convert all impressionable minds to follow this obscene and vulgar display of  human 'behavioural frailty.
>
> Now Indian youths will unabashedly start using such  words even before their family members. Do I sound prudish? May be  but I do not care . In Hollywood movies,we have seen many expletives than this. That is their culture. But this is for the first time in a Hindi (Bollywood ) movie, and no wonder if it is lapped up  and made as an Indian culture. JAI HO ! And they call it " A real Shocking and bold film , not a Repulsive film . If one wishes to  get excited bysuch  cuss "words"and "acts", better watch a  semi-porn movie with  explicit dialogues.
>
> Andfinally, MUST SAY THAT INDIAN CENSORS HAVE BECOME FULLY LIBERATED AND VANISHED from  the scene as the custodian of censor code. I & B Ministry now should not spend our exchequer money in nurturing the  CBFC. Better disband it.
>
> In the name of reality, we should start showing graphic details of language used or acts done at rave parties. It will become a fashion to use such uncouthed, obscene linguistic words freely  corrupted to arouse passion.This will  uphold the democratic freedom in full without any societal implications.
>
> Mohan Siroya