Community Managed Micro Insurance

Andhra Pradesh

Data Entry

Computerization or Digitalization data is one of the most important management issues. As the saying ‘Well began is half done’ goes. A meticulous plan for computerization of data captured during the enrollment is be done. During the enrollment of AABY separate software has been developed for this purpose. SERP has conducted orientations on the software to District level Insurance Anchor persons so as to ensure proper data entry at district level. All the Zilla Samakhyas /DRDA empanelled the Agencies for computerization of applications and have completed the process data entry. After validation of the computerized data with the manual applications, soft copies through CDs have been sent to SERP. The Government has submitted the data of 38.00 lakhs of landless agricultural labourers to LIC on 31st March 2008 after weeding out the duplicate entries. The scheme was commenced on 1st April 2008.

Things to be followed for data entry:
  • Empanelment of Agencies for computerization in case of want of computers at our disposal
  • Hiring of computer operations on piece meal, in case of having sufficient computers
  • Procurement of software (SERP usually provides software for the Districts as per the requirement of the scheme)
  • Instructions to the VET teams to ensuring supply of data(manual applications) to the Data Centres for computerization. One should ensure that once data entry is started it should be done continuously. In case of hiring of computers /data operations, if they are kept idle for want of data, over heads will increase.

Data Validation

As the computerization of data is on, it is of paramount importance to get the data verified and validated with the source data (manuals / IDs) and even with the community. As soon as the data is computerized the print outs should be taken by the VET teams for validation. In case of availability of sufficient human resources or trained Community Resource Persons(CRPs) it always wise to get verified and validated by the third party.

Need for Distribution of Individual Insurance Certificate

Individual Insurance Certificate /Bond is a document designed and issued by the Zilla Samakhya, the Nodal Agency for implementation of the scheme as per MoU. It certifies that an insurance policy has income into force and shows an abstract of the most important provisions of the insurance contract. But it is not a substitute for the actual /Master policy. And is normally a non-negotiable document. It can not be assigned to a third party , and it is unacceptable for in making claims by anyone. It is issued to the individual members evidencing hir/her participation.

In fact, SERP has entered into a Memorandum of Understanding (MoU) with LIC on behalf of all the 22 Zilla Samakhyas. LIC has issued one Master Policy with …………..for implementation of AABY/JBY/OGI etc. Zilla Samakhyas are further empowered to issued Insurance Certificates / Bonds for the insured.

The issue of individual insurance certificate /bond creates lot of confidence and sense of security among the insured. It enables the insured member and his/her family members who is insured and from what time to what time it is effective. When it needs to be renewed etc. As the entire premium is borne by the Government of India and Government of AP on 50:50 basis annual, the policies are automatically renewed every year. The issue of Certificate reminds him /her that their policies are renewed and also it help the Zilla Samakhyas to collect the annual services of Rs.15/- for each policy holder.

In case of JBY or OGI, as the premium is to be paid by the members fully or partially, it is judicious to issue individual insurance certificates. It is easier to claim the settlement.

In fact, issue of the certificate/bond is not an easy tack for Zilla Samakhya. It always depends on the purity of data. As soon as a member is enrolled, the certificate can not be issued. Data shall be computerized and validated. In mass enrollment programs, it really takes time. Delay in issue of certificates, discomfort among the community and causes lot of confusions in the event of death. It is a serious management concern which needs to be meticulously dealt with.

What made community comfortable about the intervention?