rpli PREMIUM PAYMENTS THROUGH
ON LINE : -
Rural
Postal Life Insurance Policy
For the Rural populace
of India
the Department of Posts has an insurance scheme called Rural Postal Life
Insurance (RPLI). Giving this information in written reply to a question in the Rajya Sabhaon
13/12/2013, Shri Kapil Sibal,
Minister of Communications
and Information Technology, said that
following steps have been taken to promote and popularize postal life insurance
policy in the rural areas:
(i) Rural PLI processing
work has been decentralized to Divisional level:- Bringing
decision making closer to the common man thereby expediting sanction of loans,
revival of lapsed policies and maturity claims. This allows
contingent needs of the people to be met easily.
(ii) Facilitating payment of premia through Post Offices anywhere in the
country regardless of where the policy was issued without any transfer of
policy being required.
(iv) Opportunity to work as Rural PLI
Agent:- Providing common man, especially Aanganwadiworkers,
un-employed youth, Self Help Groups, etc. with additional source of income by
engaging them as Direct Agents under Rural Postal Life Insurance Scheme.
Incentive structure for RPLI business has been made attractive i.e. 10% of
premium in the first year and subsequently 2.5%
of premium income till policy lasts.
(v) Higher Sum Assured:-
For providing opportunity for financial security in line with increasing
requirements of the people, the maximum sum assured limit has been raised
for RPLI from Rs. 3 lacs to Rs. 5lacs.
(vi) A Toll free number
(18001805232/ 155232) has been operationalized and
publicized for inquiries and grievance settlement. People from anywhere in the
country can call and get their problems settled.
(vii) Training
to Rural PLI marketing staff i.e. GDS staff, Direct Agents and Departmental
employees is being imparted to improve their marketing skills.
(viii) Facility
of Payment of outstanding premia of
policy on installments basis.
(ix) Technology/IT
initiative:- The
technological initiatives being undertaken for Rural Postal Life Insurance are :
(a) Development of
Centralized software for improved after sales service for all RPLI customers.
(b) Development of Web and
mobile portal for customers to allow seamless issue of insurance policies and
making online payments under Financial Services Integration plan of the
Department.
(c) Call centre for handling
customer services.
(d) Real time updating of
premium payments.
(e) Centralized monitoring of
grievances.
(f) Setting up of 809 Central
Processing Centres (CPCs) at all Head Post Offices in the
country for providing single window for handling of insurance proposals,
service requests and claims for RPLI customers.
