25TH FEB 2016
TO
THE ED ( PERSONNEL)
LIC OF INDIA
CENTRAL OFFICE
MUMBAI 400021
DEAR SIR
REG PROPOSED ENHANCEMENT IN THE COVERAGE
UNDER FLOATER POLICY FOR FYR 2016-17
I AM CS MURTY, RTI ACTIVIST. ON 2ND AND 10TH JULY 2015 I SUBMITTED LOT OF DATA ON MEDI CLAIM ON THE BASIS OF THE FIGURES FROM ALL THE 113 LIC DOS AND 8 ZOS AND CO. IS THERE A NECESSISITY FOR OFFERING STILL HIGHER COVERAGES FOR 25 AND 30 LAKHS. MY ANALYSIS FOR 3 FYRS 11-12;12-13 AND 13-14 SAYS IT IS UNWARRANTED. COVERAGE UPTO 20 LAKHS IS MORE THAN SUFFICIENT. THE ATTEMPT ON THE PART OF CENTRAL OFFICE IS NOTHING BUT TO HELP NEW INDIA TO ACHIEVE ITS TARGETS ON PREMIUM INCOME.
I FEEL THAT THE INDUCEMENT IS A FORCED MARKETING ON BEHALF NEW INDIA. I AM SURE THAT CO DID NOT IN DEPTH STUDY THE NECESSITY FOR MORE COVERAGE.
IF 10 OR 15 PERSONS UNDERWENT TRANSPLANT OR EXCEPTIONALLY MAJOR SURGERIES THAT DOES NOT MEAN THE REMAINING 3,99,000 BENEFICIARIES SHOULD BE FORCED TO PURCHASE HIGHER COVERAGE.
SOME SORT FEAR PSYCHOLOGY IS BEING GENERATED AND ACTING FOR NEW INDIA. DID CO EVER COLLECT DATA ON ‘’ diseasewise no of claims “ ?
2) I REPRODUCE SOME IMPORTANT DATA TO PROVE THAT YOUR MOVE IS WRONG. IF YOUR DATA IS OTHERWISE NECESSITATING FURTHER ENHANCED COVERAGE PLEASE SHARE THE SAME WITH NO OF CLAIMS.
My Data
3. I HAD BEEN REPEATEDLY PLEADING WITH CO THAT THE SCHEME OF REIMBURSEMENT OF HOSPITALISATION CAN VERY EASILY BE ADMINISTERED BY OS DEPT OF LIC DOS . I ALREADY PROVIDED DATA ON NO OF CLAIMS BY INDIVIDUAL DOS .
4. DUE TO FEAR PSYCHOSIS AND FORCED MARKETING IF SOME BENEFICIARIES DESIRE TO OPT FOR UNWANTED HIGHER COVERAGE , WHERE ARE THE TABULAR RATES FOR 25 LAKHS AND 30 LAKHS ? WITHOUT KNOWING THE TABULAR RATE WITHOUT KNOWING THE ADDL COMMITTMENT HOW DO U EXPECT OPTION ?
I UNDERSTANT THAT THE TABULAR RATES WILL BE KNOWN ONLY IN FIRST WEEK OF APRIL 2016. WHEN FLOATER POLICY WAS THE HIGHER COVERAGE WAS SELECTED ONLY IN MAY 2014 AND COVERAGE EFFECTIVE FROM JULY 2014 . THEN WHY A DEPARTURE FROM THE EARLIER PROCEEDURE. WHY SHOULD U PAY ADVANCE PREMIUM FOR HIGHER COVERAGE OF 25 LAKHS AND 30 LAKHS . I THINK CO IS THINKING ONLY FROM NEW INDIA POINT OF VIEW .
5. DID CO OBTAIN FROM ALL THE LIC DOS AND ZOS AND CO ABOUT THE NO OF CLAIMS AND CLAIM AMOUNT PAID. ALSO CO SHOULD HAVE OBTAINED THE DATA FROM TPA ALSO.
6. I FEEL THAT THE INTERESTS OF PENSIONERS ARE NOT BEING PROPERLY PROTECTED WITHOUT SIMPLY DECIDING ON THE WRONG INFORMATION FROM NEW INDIA . I PROVED THROUGH SEVERAL STATEMENTS THAT NEW INDIA IS CHEATING BENEFICIARIES UNDER THE SCHEME.
THANKING U
YOURS FAITHFULLY
CS MURTY
(Post received on 25th. Delay in uploading the same is regretted. -Ed.)