Postal Life Insurance Policy
For the Rural populace of India the
Department of Posts has an insurance scheme called Rural Postal Life Insurance
(RPLI). Giving this information in written reply to a question in the Rajya Sabha today, Shri Kapil Sibal,
Minister of Communications and Information Technology, said that following steps have been taken to promote
and popularize postal life insurance policy in the rural areas:
(i)
Rural PLI processing work
has been decentralized to Divisional level:- Bringing decision making closer to the common
man thereby expediting sanction of loans, revival of lapsed policies and maturity claims. This allows contingent needs of the people to
be met easily.
(ii)
Facilitating payment of premia
through Post Offices anywhere in the country regardless of where the policy was
issued without any transfer of policy being required.
(iii)
Facility for payment of premium online through www.epostoffice.gov.in.
(iv)
Opportunity to work as
Rural PLI Agent:- Providing common man, especially Aanganwadi workers,
un-employed youth, Self Help Groups, etc. with additional source of income by
engaging them as Direct Agents under Rural Postal Life Insurance Scheme.
Incentive structure for RPLI business has been made attractive i.e. 10% of
premium in the first year and subsequently 2.5% of
premium income till policy lasts.
(v)
Higher Sum Assured:- For
providing opportunity for financial security in line with increasing
requirements of the people, the maximum sum assured limit has been raised for RPLI from Rs. 3 lacs
to Rs. 5 lacs.
(vi)
A Toll free number (18001805232/ 155232) has been operationalized and publicized for inquiries and grievance
settlement. People from anywhere in the country can call and get their problems
settled.
(vii) Training to Rural PLI marketing
staff i.e. GDS staff, Direct Agents and Departmental employees is being
imparted to improve their marketing skills.
(viii) Facility of Payment of outstanding
premia of policy on installments basis.
(ix)
Technology/IT initiative:- The technological initiatives
being undertaken for Rural Postal Life Insurance are :
(a)
Development of Centralized software for improved
after sales service for all RPLI customers.
(b)
Development of Web and mobile portal for customers
to allow seamless issue of insurance policies and making online payments under
Financial Services Integration plan of the Department.
(c)
Call centre for handling customer services.
(d)
Real time updating of premium payments.
(e)
Centralized monitoring of grievances.
(f)
Setting up of 809 Central Processing Centres (CPCs) at all Head Post Offices in the country for
providing single window for handling of insurance proposals, service requests
and claims for RPLI customers.
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