Grahakjago (S.K.Virmani)©

The procedure for making an Insurance Claim   As per IRDA regulations, all the policy documents issued by the Insurance Companies are required to contain the detailed procedure and documentation required in making the claim. The following procedure in general is required to be followed: Life Insurance Policy I.   Death Claim 1.   Claim intimation may be sent to the insurance company as soon as possible on death of the insured person. This could be done by the assignee of nominee under the policy or by any close relative or the agent who handle the policy. 2.   The claim intimation should contain information like the date, place and cause of death. The insurance agent has the duty to help the life assured’s family / assignee to deal with the insurance company to comply with the formalities for a claim. 3.   The insurance company will respond to this intimation and will ask for the following documents: · ...

Why Airlines should feel hesitant in refunding the excess ADF?? As you may be knowing that Airports Economic Regulatory Authority (AERA) have reduced ADF w.e.f 1st January 2013 for the passengers embarking from Delhi Airports (DIAL). The ADF for domestic passengers has been reduced from Rs. 200/- to Rs. 100/- whereas for the international passengers it has been reduced from Rs. 1300/- to Rs. 600/-. The passengers who have booked their tickets prior to 31st December 2012 are entitled to a refund of Rs. 100/- and Rs. 700/- for domestic and international flights respectively.  Times of India in their news published on 20th January 2013 that Airlines are delaying the refund of Excess amount charged under "Development fee" due to reduction in fee w.e.f 01/01/2013. The reason cited is inadequate staff deployed by Airlines. I have failed to understand as to why the refund should be delayed on a/c of shortage in staff. First of all most of the tickets are booked electronic...

Inquiry into various aspects of shocking incident of sexual rape and brutal assault to a woman in Delhi on 16 th December 2012 and to identify lapses. A rape reported through media   in a moving bus in Delhi on the night of 16 th December 2012 has shaken the entire country and in fact the way the crime has been conducted is never heard in the life time and the culprits whosoever needs to be punished under rarest of the rare crime category. There might have been several lapses or may not be by various stakeholders and could be known only after the trial of the case. Corruption prevailing in the agencies, complicated laws, insecurity among the public to extend their arms of help in the fear of being dragged by the Police later on. The public has lost confidence and don’t come forward to extend the help as many a times they have been victimised not only by the police but also by the persons falsely pretending to be in disaster due to malafide intention of rob...