The Cashless Mediclaim maze – a lot to learn

Insurance is easy to buy but tough to claim, if you are an individual.  Raj Pradhan narrates a real-life story that takes you through the labyrinth of insurance company, broker, TPA and hospital to explain how to make a valid claim and how to avoid going out of pocket

The point about insurance, in fact the very purpose of buying it, is defeated, if your claim is rejected. Only those who have been through the hard-knocks of getting a claim paid, know how complicated it is for those who do not have corporate support. The best way to understand the complexities and pitfalls is to take the reader through a real-life example of what can happen, even in the best case scenario. And, indeed, this case is probably as good as it gets. It pertains to an office assistant at Moneylife, Rajesh Juwale.*Our first learning was that some good, cost-effective hospitals do not want the hassle of dealing with TPAs (third party administrators) or delays in payment by insurance companies.

* Our second lesson was that brokers are also not very savvy about the rules and you need to know them yourself.

* A third learning was that even if you have a cashless facility, the cost of registration as well as initial consultation and tests have to be borne by the patient.

* Our fourth learning was about finding out the cost of procedures and tests.

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Banks can’t freeze accounts if KYC papers not submitted

Can service be suspended for failing to comply with the subsequent demands for KYC (Know Your Customer) ? This issue has been decided by the Gujarat high court in the case of State Bank of India, Chandkheda Branch & Anr v/s Ashvin Chaturbhai Parmar & Ors in Criminal Misc Appl No 5100 of 2012 decided on April 30 2012.

The court also held that in case of failure to comply with the KYC requirements, the bank would neither have the right to freeze the account, nor could it stop the cheque book or the ATM facility. However, the bank would have the right to close the account, but after following the due process. This means that due notice would first have to be given to the customer, and if the documents are not supplied despite the intimation and repeated efforts to procure the same, the issue would have to be referred to the competent authority at a higher level, who would have the power to order closure of the account.

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Resolve Consumer Complaints

Resolve your consumer complaints quickly.

Getting new things is always a pleasure. You feel like the boss when the salesman talks to you about the product and the big brand name. And why not? After all, customer is king.

Yes you are king, till he sells you the product. After that the same products become a horror in your life. You call the customer service numbers, all you hear is “All our customer service executives are busy…blah blah blah … Your call is important to us”.

But for how long? Is there an end to this?

Just use Akosha – India’s most effective consumer platform

Log on to www.akosha.com and just file your complaint in 2 minutes Or call our team of experts and sit back and relax. Our team of experts takes up your complaint with senior officials of the company. And keeps you updated via mail on the progress of your complaint. If that doesn’t work, our team sends out letters to the management of the company. That is not all, we even use the power of social media to your advantage. And for serious complaints, consumer forums are always there.

We do everything to get your complaint resolved, without the hassles.

Consumer Cases and Consumer Law

Consumer Law in India is regulated by Consumer Protection Act of 1986. It provides for establishment of consumer forums at various levels so that a speedy redressal can be made available to the ordinary consumers. Consumers can approach a consumer forum in case of violation their rights.

Consumer Law India intends to provide you with latest news and issues from the consumer law field, which includes the issues faced by customers/consumers, action taken and response received from the other party.

The issues discussed here are those matters in which at least some legal action has been initiated and we are satisfied that the fact/issues are true to the best of our knowledge and belief. We do not intend to defame any company but our aim is to make aware the consumers of their rights and the action they can take against consumer exploiters.

You can contact us for free basic advise/guidance on the consumer complaints you may have. We have Consumer Law Experts on our panel, who will happy to assist you legally.

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IMPACT OF MODIFICATION TO DCR JULY 2011

The Practising Engineers, Architects and Town Planners Association of India (PEATA) has made a detailed analysis of IMPACT OF MODIFICATION TO DCR JULY 2011

Municipal Commissioner Vide Letter MGC/A/8279 Dated 13th July 2011 requested  Govt. and Vide Letter dated  21/7/2011 requested to Invoke  Provisions under 37 (1AA).

UDD. NOTICE U/ No. CMS/4311/CR-58/2011 /UD-11 Dated 25th July 2011

MC Letter dated 13th July 2011  emphasizes on Uniformity and  Prevent Misuse. He Proposed the Compensatory FSI as Fungible so as to give Flexibility to Architects for Designing the Buildings.

MODIFICATIONS ARE IN

DCR -29 – Open Space Requirement

DCR -30 – Features Permitted in Open Space

DCR – 35 – FSI Computation

DCR -36-  Parking Spaces

DCR -38-  Requirements of Parts of Buildings

DCR – 43 – Fire Protection Requirements

DCR – 44 – Requirements of Individual Exits /Floor APPENDIX VIII(19) – Added.

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