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The Insurance regulatory body- IRDA- is said to be exploring an option of paperless Life Insurance policies, with an aim to cut down on the distribution costs.

If this goes through, Life Insurance policies could follow the share routes into a demat format- which means that in future your Life Insurance policies could reside in a digital format with players like NSDL & CDSL.

With Apollo DKV's Maxima and ICICI Lombard’s Health Advantage Plus have now started covering OPD expenses within their coverage heads.

This is being seen by many in the industry as a gradual shift towards inclusion of this most-common cost head in medical bills of patients.
OPD charges refers to the cost incurred by a policy holder where in the covered individual is NOT admitted. Typically most Health Insurance policies in the country have covered hospitalisation & related expenses & the OPD charges were borne by the policyholder on her own.

Most companies have feared large scale misuse when it comes to OPD charges. Hence even these plans come with some riders, mainly
1. The OPD claim can be done only once in the whole year
2. The Claim cannot be done within 90 days of policy commencement
3. There is a pre-defined cap on the OPD amount, that one can claim in such policies.

Hence we recommend that if you intend to go in for any of these polcies, do understand the OPD coverage (& the riders therein very clearly)

The Insurance regulator (IRDA) has proposed a new consolidated Life & Health cover for the poor families in India.
The plan if approved would cover a total of 6 crore families with
- Rs 1.5 lakh of Life cover
- Rs 1 Lakh of medical cover
- annual premium cost of Rs 1500- half of which paid by centre, rest shared by state & the beneficiary family

Since the underwriting insurance provider will also get a profit, the scheme is being touted as commercially viable in the long run.
Also from an administrative perspective, it would be easier to roll out a single mass scheme rather than managing the multiple schemes that are currently running parallely.

The scheme is estimated to have a total outflow of Rs 12000 Crore.

Secure Dreams plan from Max NewYork Life is designed to
- Protect the money invested through safe investments, but also looking at some growth in the portfolio
- No medical tests involved- this has been pitched as convinience
- Let the policy continue even if the insured passes away- done through premium funding.
- flexibility to choose the period of coverage
Secure Dream Eligibility

Death Benefit
- Incase the life insured dies MNYL will immediately pay the sum assured equal to 10 times of the annual premium.

Life Insurance Sep 09

The Indian life insurance industry grew by 12.85 % in new premium collected in 1st half of 2009-10. Most of the industry's growth can be attributed to the healthy 35% increase registered by LIC on its massive base.

Key highlights are:
- LIC's first-premium income rose to Rs 25,814 crore. Single premium policies contributed Rs 7,879 crore (almost 1/3rd of the total premia).Group single-premium policies accounted for 40 per cent (Rs 9997.79 crore) and the remaining Rs 7,937 crore came from individual non-single premium policies such as unit-linked plans and term covers.

- Industry grew inspite of 1.75 % fall in premium from sale of new life insurance policies

IRDA, the insurance regulating authority has just approved the ULPs- Universal Life Policies for Bharti Axa Life Insurance and Max New York Life.

Its an interesting development in our opinion because of the inherent nature of ULPs.

Here are few of the salient features

1.Customers have flexibility in premium, sum assured as well as the tenure of the product.

2.Freedom to vary the payment of the premium over the policy’s life- you can start with monthly payments, switch to annual then quarterly and so on. What does not change is the premium quantum.

3. Also the policy is not automatically cancelled even if the customer fails to pay the premium. Even if the lapsed payment is not made , the ULP will be kept in force- what does change is the sum assured at the time of payout.

ULIPs have been seeing a decline in their share of new policies issued, for the last two years. This is due to a gradual & steady increase in the volumes of traditional insurance products like - term plans, endownment policies, money back plans & retirement plans.

With new & rigourous IRDA guidelines on ULIPs, agents have also started re-focusing on the traditional plans as the incentives are not capped here.
For the insurance companies also, a higher share of traditional plans gives a healthier portfolio and a higher valuation.

In the past the buoyant economy & stock markets provided insurance companies an easy tool to ride the wave- in the form of ULIPs. But lately they have realised that long term predictability of premium inflow is a critical aspect of valuation.

Birla Sun Life Insurance (BSLI) is one of the leading Life Insurance companies of India.
It has an impressive product portfolio.You can read about a few of the prominent policies here:

Term plans from Birla Sun Life

Insurance Dream Plan

MoneyBack Plan

Premium back term plan

Today's Economic Times had a nice article by Sarabjeet Singh (a partner at BMR Advisors) about how AML guidelines can be and need to be implemented in the Life

Rural insurance will see a fresh fillip with the introduction of a new policy which does away with the manadatory health checks for Life Insurance.

The initiative by Department of Posts will launch a Micro Life Insurance policy - no more require the insurees to disclose their present health condition or diseases at the time of buying the policy. This is clearly aimed at expanding the Life Insurance coverage in rural India.

The proposed insurance scheme, which can be availed by economically weaker sections (EWS) of the society and particularly women, will provide a risk cover up to Rs 25,000.

Life

IRDA has come up with some new guidelines to discourage agents from switching across companies, primarily to discourage & check policy lapsation.

Across India, most Life Insurance co's have been seeing almost 25% lapsation in their overall portfolio, and a big chunk of this is contributed by the agent channel. Most lapsation was observed to occur in orphaned policies (ie policies without an active agent in the system).

IRDA has now come up with the following guidelines:
- The agent has to submit details of all his policyholders including their contact details. The insurance company, in turn, has to ensure an alternative service arrangement for all those policyholders.

A retirement policy is basically an Endowment Plan where you get covered for life insurance term and the balance amount of funds are invested. These investments are done in debt and equity securities.

When you opt for a retirement policy, you get organized as you start saving for the future. Nowadays insurance companies offer various schemes under this policy. You can also get add on benefits on a basic insurance policy. Like a double accident benefit where the sum assured is doubled incase of accidental death. Also a joint life benefit where you can cover your loved one too in this policy. And profit plan where you can share the profits made by the company.