Self-Help Groups Current Affairs - 2019

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Suresh Mathur Committee to review MicroInsurance Framework

The Insurance Regulatory and Development Authority of India (IRDAI) set up Suresh Mathur Committee to review regulatory framework on micro insurance, and to recommend measures to increase demand for such products. It was formed because of less than desired offtake of micro insurance products despite of their inherent benefits in the country. India was seen to be an exciting market and a pioneer in micro insurance sector in world, but its market penetration remains low.

Suresh Mathur Committee

  • Composition: It is a 13-member panel chaired by IRDAI’s Executive Director Suresh Mathur, and comprises of representatives from IRDAI, life, general and health insurance companies in public and private sectors and NGOs.
  • Its task is to suggest product designs with customer-friendly underwriting, such as easy premium payment methods and simple claims settlement procedures.
  • It will suggest about if there is any change in distribution structure, including mobile-based and technology driven solutions and on creating effective awareness programmes.
  • Their recommendations are to submitted within three month time frame.

Microinsurance

  • IRDAI created a special category of insurance policies called micro-insurance policies (a General or Life Insurance policy with a sum assured of Rs 50,000 or less) to promote insurance coverage among economically vulnerable sections of society. The micro-insurance is defined and enabled by IRDAI Micro-insurance Regulations, 2005.
  • General Micro-Insurance product is a Health insurance contract that covers belongings like Hut, Livestock, tools or instruments or any personal accident contract and is either on an individual or group basis.
  • Life Micro-Insurance product is a term insurance contract with or without return of premium, any endowment insurance contract or health insurance contract. It with or without an accident benefits rider and is either on an individual or group basis. There is flexibility in regulations for insurers.
  • Micro- Insurance Business is done by intermediaries such as Non-Government Organisations (NGOs) and Self-Help Groups (SHGs).
  • Micro insurance Benefits- They are specifically intended for protection of low-income people, with affordable insurance products, and micro insurance promises to support sustainable livelihoods of poor.

Month: Categories: Business, Economy & BankingUPSC

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Combating HIV

India has made significant progress in the fight against HIV/AIDS in recent years. The following steps have been initiated by the government to strengthen the fight against HIV:

  • A 360-degree multimedia campaign along with mass media supported by outdoor media such as hoardings, bus panels, information kiosks, folk performances and exhibition vans to create awareness on HIV/AIDS has been initiated.
  • Training and sensitization programmes for Self-Help Groups, Anganwadi workers, ASHA, members of Panchayati Raj Institutions and other key stakeholders are also being organised to spread awareness about treatment and other facilities.
  • Awareness activities are being conducted amongst High-Risk Groups including Female Sex Workers, Men having Sex with Men, Injecting Drug Users, Hijra/ Transgenders and Bridge Population like truck drivers, migrants etc. as part of Targeted Intervention projects.
  • HIV & AIDS (Prevention and Control) Act, 2017 has been notified to address the challenges related to the disease in a comprehensive way.
  • The act addresses various issues like discrimination against People Living with HIV at the workplace, an education setting, health setting and public places and also provides for a robust grievance redressal mechanism where compliant against discrimination would be disposed by Ombudsman at the state level.
  • Steps have been taken by the government to track the patients through HIV diagnosis from care to treatment
  • Patients diagnosed with HIV are put on Anti Retro Viral Treatment irrespective of their CD4 Count.
  • Mission Sampark has been launched to reach out to all those who are Left to Follow Up and are to be brought under Antiretroviral therapy (ART) services.
  • Counsellors are tasked to ensure tracking of HIV positive patients through telephone and home visits in the case of those who drop out between diagnosis and treatment to maintain their adherence to treatment.

The Union Ministry of Health and Family Welfare launched the National Strategic Plan 2017-24 aimed at eradicating HIV/AIDS by 2030.

Month: Categories: Governance & PoliticsUPSC

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