Now book train tickets 30 minutes prior to departure

In a significant move to provide additional booking facilities, Ministry of Railways has undertaken an exercise of rationalization of Computerized Passenger Reservation System (PRS) with a view to enable passengers to buy tickets even after the preparation of reservation charts. These new provisions will come into effect from 12th November, 2015. The rationalization exercise will also facilitate implementation of revised refund rules (notified recently) which will also become effective from 12th November, 2015. Under this exercise, sufficient time gap will be provided to passengers between preparation of charts and departure of train so that they can plan journeys properly.

 

The following are the advantages of rationalization of computerized Passenger Reservation System :

 

a) Reservation charts will invariably be made at least 4 hours before the scheduled departure of the train and in case if the same are not made by the charting section, the system will automatically finalise them 4 hours before the scheduled departure of train(w.e.f. 18th November 2015). This will facilitate passengers to know the status of the ticket to plan their journey well in time. (this may be referred as the first reservation chart)

 

b) Immediately after preparation of first reservation charts, the reservation will again become open at the PRS counters as well as on internet (e-ticket) and the passengers can:-

 

• Book the available accommodation in the train for full/partial leg of the journey, in case there is no RAC/waitlist for that leg.
• In case of passengers holding RAC/waiting list ticket, the passengers will be given facility to cancel the ticket up to 30 minutes before the scheduled departure of train.
• This will facilitate the passengers, particularly partially confirmed passengers, to decide either to undertake the journey or to cancel their ticket.

 

c) A second (and final) chart of reservations will be made available before departure of train and handed over to onboard ticket checking staff.

 

• This exercise will ensure optimum utilization of train accommodation as well as enhanced earnings.

d) For the present, the condition for printing of first reservation charts at least four hours before departure of train shall be applicable in case of train originating station.

 

• Under the abovementioned rationalization, the passengers can book / cancel / modify the tickets even after the preparation of first reservation chart but only upto 30 minutes before the departure of train across any PRS Counters as well as on internet (E-ticket) as per extant provision of Refund Rules. In case of e-tickets where after preparation of first reservation charts, passengers had the option to only file online Ticket Deposit Receipt and to request for refund, now will have the facility to modify/cancel the partially confirmed ticket and get refund electronically.
• Passengers holding PRS counter ticket / I-ticket will now be saved from the botheration of going only to current reservation counter at the journey originating station to book / cancel / modify ticket after the preparation of first reservation chart as per refund rules.
• They can now go to any PRS counter. Additionally, the facility will continue to be available at current reservation counters, wherever required. Later, this facility is also proposed be made available at some designated UTS counters at stations for which the work is under progress.

[ PIB ]

Indian Army Launches Encrypted Cloud, Digital Locker Initiatives

 

A highly encrypted cloud system of the Indian Army that will store personnel as well operational data, was on Monday inaugurated by Defence Minister Manohar Parrikar in line with the force's plan to be a "digital army".The 'Army Cloud' includes a central date centre, a near line data centre, both in Delhi and a disaster recovery site for a replication of its critical data along with virtualised servers and storage in an environmentally controlled complex.
This is similar to 'Meghraj', the cloud system of National Informatics Centre, and will provide all information technology infrastructure, including servers for computing, storage, network security equipment centrally for automation of Indian Army.
Army officials said the latest technology in the field has been incorporated in the implementation of the first-ever software defined date centre, wherein all the resources could be provisioned to different applications on the cloud with the click of a button.
Another 'Digital Army Initiative' which was also inaugurated was 'Digi-Locker', provides a secure and exclusive data storage space to all the units and formation headquarters of the army over its dedicated data network.
The digi-locker of the army is similar to e-Locker of Digital India programme and has all the features like digital signatures and watermarking. This is an important step towards implementation of cyber-security as it prelude to carrying of soft copies of data on CDs/DVDs and removable media, the officials said.
They said that the infrastructure and platforms being made available for automation and digitisation will catalyse the pace of digitisation in all branches of the army and is a landmark towards transforming Indian Army from a platform-centric to network-centric force, which would leverage the technology as a force multiplier.

[ NDTV ] [ PTI ] 9 November 2015

Family Pension to widowed or divorced daughter – Clarification

Defence Ministry clarified Eligibility of widowed/ divorced daughter for grant of family pension

Department of Ex-servicemen Welfare – DESW has issued an OM clarifying Eligibility of widowed/ divorced daughter for grant of family pension

 

Government of India

Ministry of Defence

Department of Ex-servicemen Welfare

D(Pension/Policy)

 

Subject: Eligibility of widowed/ divorced daughter for grant of family pension- clarification regarding.

A copy of Department of Pension & Pensioners Welfare OM No. 1/13/09- P&PW(E) dated 28th April 2011 & 11th September 2013 on the above subject are forwarded herewith for your information and necessary action in the matter.

2., MoD (Fin/Pen) has been consulted

(Manoj Sinha)

Under Secretary Pen / Policy)

 

MoD ID NO- 1(9)/2013/D(Pen/Poi)/ dated 16th September 2015

 

No. l/l3/09-P&PW (E)

Government of India

Ministry of Personnel, P.G. & Pensions

Department of Pension & Pensioners’ Welfare

 

3rd Floor, Lok Nayak Bhawan,

Khan Market, New Delhi,

the 11th September, 2013.

 

OFFICE MEMORANDUM

 

Sub: Eligibility of widowed/divorced daughters for grant of family pension – clarification regarding.

Provision for grant of family pension to a widowed/divorced daughter beyond the age of 25 years has been made vide OM dated 30.08.2004. This provision has been included in clause (iii) of sub-rule 54 (6) of the CCS (Pension), Rules, 1972. For settlement of old cases, it was clarified, vide OM dated 28.04.2011, that the family pension may be granted to eligible widowed/divorced daughters with effect from 30.08.2004, in case the death of the Govt. Servant/pensioner occurred before this date.

2. This Department has been receiving communications from various Ministries/ Departments seeking clarification regarding eligibility of a daughter who became widowed/ divorced after the death of the employee/pensioner.

3. As indicated in Rule 54(8) of the CCS (Pension) Rules, 1972, the turn of unmarried children below 25 years of age comes after the death or remarriage of their mother/father, i.e.,the pensioner and his/her spouse – Thereafter, the family pension is payable to the disabled children for life and then to the unmarried/widowed/divorced daughters above the age of 25 years.

4. It is clarified that the family pension is payable to the children as they are considered to be dependent on the Government servant/pensioner or his/her spouse. A child who is not earning equal to or more than the sum of minimum family pension and dearness relief thereon is considered to be dependent on his/her parents. Therefore, only those children who are dependent and meet other conditions of eligibility for family pension at the time of death of the Government servant or his/her spouse, whichever is later, are eligible for family pension. If two or more children are eligible for family Pension at that time, family pension will be payable-to each child on his/her turn provided he/she is still eligible for family pension when the turn comes. Similarly, family pension to a widowed/divorced daughter is payable provided she fulfills all eligibility conditions at the time of death/ineligibility of her parents and on the date her turn to receive family pension comes.

5. As regards opening of old cases, a daughter if eligible, as explained in the preceding paragraph, may be granted family pension with effect from 30th August, 2004.The position is illustrated through an example. Shri A, a pensioner, died in 1986. He was survived by his wife, Smt. B, a son Shri C and a daughter, Kumari D, the daughter being the younger. Kumari D married in 1990 and got widowed in 1996. Smt. B died in 2001. Thereafter, Shri C was getting family pension, being disabled, and died in 2003. Thereafter, the family pension was stopped as Kumari D was not eligible for it at that time. She applied for family pension on the basis of O.M., dated 30th August, 2004. Since she was a widow and had no independent source of income at the time of death of her mother and on the date her turn came, she may be granted family pension. The family pension will continue only till she remarries or starts earning her livelihood equal to or more than the sum of minimum family pension and dearness relief thereon.

6. This is only a clarification and the entitlement of widowed/divorced daughters would continue to be determined in terms of OM, dated 25/3oth August, 2004, read with OM, dated 28.4.2011.

(D.K. Solanki)

Under Secretary to the Government of India

 

No.1/l3/09-P&PW(E)

Government of India

 

Ministry of Personnel, Public Grievances & Pensions

Department of Pension & Pensioners’ Welfare

 

Lok Nayak Bhavan,

New Delhi, the 28th April, 2011

 

OFFICE MEMORANDUM

 

Subject: Extension of scope of Family Pension to Widowed/divorced/unmarried daughter and dependent disabled siblings of Central Government servants/pensioners Clarifications – reg.

The undersigned is directed to state that as per the existing provisions of CCS (Pension) Rules, 1972 as amended from time to time. the son/daughter of a Government servant/Pensioner is eligible for family pension upto the date of his/her marriage/remarriage or till he/she starts earning or till the age of 25 years, whichever is earlier. Further, a disabled son/daughter of a Government servant/Pensioner suffering from any disorder or disability of mind, including mentally retarded, or who is physically crippled or disabled, is eligible for family pension for life subject to the fulfillment of certain conditions. Subsequently, orders were issued vide this Department’s OM: No.45/86/97- P&PW(A) dt. 27.10.97 and No.1/19/03-P&PW(E) dt. 30.8.2004 making divorced/widowed daughters eligible for family pension even after attaining the age limit of 25 years subject to the fulfillment of certain conditions. it was subsequently clarified vide this Department’s O.M, No.1/19/03-P&PW (E) dt. 11.10.2006 that family pension to widowed / divorced daughters is admissible irrespective of the fact that the divorce/widowhood takes pace after attaining the age of years or before.

2. Further, orders have been issued vide this Department’s OM. No.1/19/03-P&PW(E) dt. 6h September, 2007, whereby an unmarried daughter. of a Government servant/Pensioner beyond 25 years of age, has been made eligible for family pension at par with the widowed/divorced daughter subject to fulfillment of certain conditions. However, family pension to the widowed/divorced/unmarried daughters shall be payable in order of their date of birth and the younger of them shall not be eligible for family pension unless the next above has become ineligible for grant of family pension. Further, the family pension to widowed/divorced/unmarried daughters above the age of 25 years, shall be payable only after the other eligible children below the age of 25 years have ceased to be eligible to receive family pension and that there is no disabled child to receive the family pension.

3. Subsequently, orders have been issued vide this Department’s O.M. No.1/15/2008-P&PW(E) dt; 17.8.2009 whereby dependent disabled siblings of a Government servant/pensioner have. been made eligible for family pension for life subject to the fulfilment of certain conditions.

4. Representations have been received in this Department from various quarters (i.e. Pensioners’ Associations, etc.) to the effect that the claims for family pension of widowed/divorced/unmarried daughters and dependent disabled siblings are not being entertained by certain Ministries/Departments on the plea that their names do not appear in the details of family members submitted by the government servant / pension to the Head of Office from where he/she had retired. Besides, in cases where a Government servant/Pensioner had expired prior to the issue of above referred orders by this Department, the claims of widowed/divorced/unmarried daughters. etc. for family pension are not being entertained by Ministries/Departments on the plea that they were not eligible for family pension at the time of retirement/death of the Government servant or death of the Pensioner.  This department has been requested for issue of appropriate clarificatory orders in the matter so as to settle the family pension claims of the aggrieved widowed/divorced/unmarried daughters, etc, of the Government servants/Pensioners.

5. The matter has been considered in this Department in consultation with Department of Expenditure, Ministry of Finance. It is hereby clarified that subject to fulfillment of other conditions laid down therein, the widowed /divorced/unmarried,daughter of the Government servant/ Pensioner will be eligible for family pension with. effect from the. date of issue of respective orders irrespective of the date of death of, the Government servant. Consequently, financial benefits in such cases will accrue from the date of issue of respective orders. The cases of dependent disabled siblings of the Government servants/Pensioners would also be covered on the above lines.

6. All Ministries/Departments are requested kindly to settle the family pension claims of widowed/divorced/unmarried daughters and dependent disabled siblings accordingly on priority. They are also requested to bring these orders to the notice of their attached/subordinate organizations for compliance.

7. This issues with the concurrence of the Ministry of Finance, Department of Expenditure vide their U.O. No.97/EV/2011 dated 06.04.2201

8. In so far as their applicability to the personnel of Indian Audit and Accounts Department is concerned, these orders are being issued in consultation with the C&AG of India vide their U.O. No.65-Audit (Rules)/14~2010 dt. 26.4.2011.

9. Hindi version will follow.

(K.S. Chibb)

Director

 

Download Defence Ministry OM No. l/l3/09-P&PW (E) dated 11.09.2013

Disabled Married Daughter Not Entitled to CGHS Facility

Married Daughter of a Government Employee is entitled for Compassionate Appointment

Fixed Medical Allowance to Daughters in receipt of Family Pension

PM Launches 3 Gold Schemes and National Gold Coin

PM Launches 3 Gold Schemes and National Gold Coin – Previous attempts at mobilising this gold have been unsuccessful, but PM Modi is hoping higher interest rates paid will help it to succeed this time.

Prime Minister Narendra Modi on Thursday launched three programmes aimed at reducing physical gold demand and luring tonnes of gold from households into the banking system.

 

The three schemes that Modi launched are Gold Monetisation Scheme (GMS), Gold Sovereign Bond Scheme and the Gold Coin and Bullion Scheme. Modi also unveiled the first ever national gold coin minted in India with the national emblem of Ashok Chakra engraved on it.

 

The Gold Monetisation Scheme will replace the existing Gold Deposit Scheme, 1999. However, deposits outstanding under the Gold Deposit Scheme will be allowed to run till maturity unless the depositors prematurely withdraw them.

 

The Gold Monetisation Scheme is aimed at tapping part of an estimated 20,000 tonnes of idle gold worth Rs. 5,40,000 crore in family lockers and temples into the banking system.

 

The Gold Sovereign Bond will be issued by the Reserve Bank of India (RBI) on behalf of the government with an interest rate of 2.75%. The bonds will be sold through banks and designated post offices.

 

“Women in India usually don’t own house or a car in their name, but gold is a matter of their strength. India has 20,000 tonnes of idle gold. It is an important aspect of women empowerment,” Modi said while speaking at the launch.

 

“India has surpassed China as world’s largest gold consuming nation with 562 tonnes of buying so far this year,” he added.

 

India’s obsession with gold is rivalled only by China, with the metal used widely in wedding gifts, religious donations and as an investment.

 

Previous attempts at mobilising this gold have been unsuccessful, but PM Modi is hoping higher interest rates paid will help it to succeed this time.

 

Huge gold imports have pushed India’s current account deficit to a record $190 billion in 2013, prompting the government to hike its duty on imports to a record 10%. Imports fell to an estimated $34 billion in 2014-15, but Modi is looking to cut that further.

 

However, Anantha Padmanabhan – southern region head of the All India Gems and Jewellery Trade Federation – said an amnesty was needed for people to deposit up to 500 grams of gold without any questions. The government has yet to make its position clear on this issue.

 

Investors will have to disclose their permanent account number, registered with the income tax department, if the value of gold is worth more than Rs. 50,000 ($763.53). Some people fear it is a way for the government to keep a tab on the source.

 

Another concern is the likely loss of 20-30% of the weight of jewellery as it is melted at certified centres at the cost of the depositor.

 

“My wife may get a shock when she sees the actual value of jewellery and I may soon get a tax notice,” said a state-run bank official, who declined to be named.

 

Source: Zee News

 

Prakash Malankar  November 5, 2015

10 Things You Need to Know about Sovereign Gold Bonds - Prakash Malankar

10 Things You Need to Know about Sovereign Gold Bonds – The borrowing through gold bonds will form a part of the market borrowing programme of the government. The bonds will be issued by the Reserve Bank.

In a bid to bring down the import of gold and to give an alternative to buy physical gold, the Finance Ministry has announced the Sovereign Gold Bond scheme. This is the first tranche of the gold bond scheme and subsequent tranches would be notified later, it added.

The borrowing through gold bonds will form a part of the market borrowing programme of the government. The bonds will be issued by the Reserve Bank.

Here are ten things you need to know about investing in sovereign gold bonds.

1. The gold bond scheme has been announced to give an alternative to consumers in place of physical gold.
2. The minimum permissible bond should be worth 2 grams of gold, and the maximum can be 500 grams.
3. The Sovereign Gold Bonds will be open for public subscription from November 5 to 20th. The bonds will be eventually issued on November 26. The Sovereign Gold Bonds will offer an interest rate of 2.75%. The interest will be payable semi-annually on the initial value of investment. There would also be a commission of 1% on the subscription amount for distribution of bonds.
4. The bonds will be sold through banks and designated post offices as may be notified by the Finance Ministry.
5. The tenor of the bond will be for a period of eight years with exit option from 5th year to be exercised on the interest payment dates.
6. The price of the bond will be fixed in rupee terms, on the basis of the previous week’s (Monday – Friday) simple average of closing price of gold of 999 purity published by the India Bullion and Jewellers Association Ltd. The same procedure would be followed for calculating the redemption price for the bonds.
7. The interest earned on gold bonds would be taxable, and capital gains tax shall be levied as in case of physical gold, the statement said.
8. The bonds can be used as collateral for loans and the loan-to-value (LTV) ratio will be set equal to ordinary gold loan mandated by the Reserve Bank from time to time.
9. The bonds will be tradable on exchanges and will be eligible for Statutory Liquidity Ratio.
10. The bonds will be restricted for sale to resident Indian entities including individuals, HUFs, trusts, universities and charitable institutions.

 

Prakash Malankar    

[ DNA ] November 6, 2015

क्या आप जानते है

एलपीजी एक्सीडेंट मै आप को कितना क्लेम मिल सकता हैं ?

Do you know that you can claim compensation in case of accident involving LPG Gas distributed by PSU oil companies ?

No , but fact is that you can claim . All the PSU oil marketing companies have taken Public Liability Insurance Policies for accidents involving LPG ,so be aware and know your rights.

Further please note that claim is acceptable if your address is registered with the Distributor .In most of the cases address is shown correct but if not please do the need Full.

1. Facility available under the Policies:

PSU Oil Marketing Companies (IndianOil, HPC & BPC) distributors act as Principals and are responsible for taking Insurance policy for accidents including Third Party Insurance cover to persons and properties. In addition, OMCs take a comprehensive Insurance Policy called ‘Public Liability Policy for Oil Industries’. The above insurance policies taken by Indane LPG Distributors/ PSU Oil Marketing Companies are Public Liability Policies and are not in the name of any individual LPG customer.

1. No premium for any Insurance policy is collected from the customer by the Indane distributors.

2. The claim amount is remitted to the concerned Oil Company who in turn remits it to the claimant / beneficiary.

3. The comprehensive Insurance Policy taken by PSU Oil Marketing Companies provides for claims on account of (1) Legal liability (2) Personal accident cover to third party and damage at authorized customers’ registered premises.

4. Limit of liability : Liability at Law for compensation and claimants’ costs & expenses:

Per Event : Rs. 50 Lakhs

Per person : Rs. 10 Lakhs

Per Year : Rs. 100 Crore

Personal Accident cover to third parties and customers and property damage at authorized customers’ registered premises

(a) Personal Accident : Rs.5,00,000 per person per event in case of death

(b) Medical expenses: Rs 15,00,000/- per event (Max Rs.1,00,000 per person, immediate relief upto Rs. 25,000/- per person)

(c ) Property damage: Max. Rs.100,000/- per event at authorized customers’ registered premises.

(d) Per year in aggregate : Rs. 8 crore.

2. Procedure to be followed by customers:

1. In case of any accident involving consumer’s installation, he/she has to forthwith advice the supplying distributor.

2. Whenever an accident is reported, the concerned Area Office investigates the cause of accident and if the accident is LPG accident, the local office of the Insurance Company is notified by the concerned distributor / Area Office and subsequently lodges claim with the concerned Insurance Company.

3. Customers are not required to apply to Insurance Company or to contact them directly.

4. Customers are required to submit to the Oil Company the originals of Death Certificate(s) and Post Mortem report(s) /Coroners report/Inquest report, as applicable, in case of deaths and original Medical Bills, Doctors' Prescriptions in original supporting the purchase of the medicines, Discharge Card in original and any other documents related to the hospitalization in case of injuries.

5. In case of property damage at customers’ registered premises, the Insurance Co. appoints their Surveyor to assess the loss.

6. Claims are settled based upon the merit of each case. The concerned Insurance Company takes decision regarding settlement of the claim as per the provisions of Insurance Policies.

पंतप्रधान सुरक्षा विमा योजना

·  यावर्षी जाहीर झालेल्या पंतप्रधान सुरक्षा विमा योजनेसंदर्भात (ढटरइ) सर्वसामान्यांच्या मनात अनेक प्रश्न निर्माण झाले आहेत. या योजनेचे स्वरुप काय, त्याचे फायदे, क्लेम कसा मिळेल आदी अनेक प्रश्न याबाबत विचारले जात आहेत. त्याची नेमकी उत्तरे वित्त मंत्रालयाने दिली असून वाचकांच्या माहितीसाठी आम्ही ती येथे देत आहोत.

प्र. १. या योजनेचे स्वरूप कसे आहे?

या योजनेत वर्षभरासाठी वैयक्तिक अपघाती विमा संरक्षण राहील त्याचे दरवर्षी नूतनीकरण करावे लागेल.

प्र. २. या योजनेत कसा फायदा मिळेल आणि याचे विमा प्रिमियम कसे राहील?

या योजनेचा विमा प्रिमियम हा दर वर्षाला रुपये १२ रु. प्रत्येक वर्गणी दराने द्यावयाचा आहे.

प्र. ३. प्रिमियम कसे देता येईल?

प्रत्येक वर्षात जोपर्यंत योजना चालू आहे तोपर्यंत खातेधारकाच्या बचत खात्यातून परस्पर रुपये काढण्याच्या निर्देशानुसार एकदाच जसे योजनेत सहभागी होताना पर्याय निवडला असेल तसा घेण्यात येईल. योजना कार्यान्वित राहीपर्यंत वर्गणीदाराला प्रत्येक वर्षी खात्यातून रुपये काढण्यासाठी एकदाच संमती द्यावी लागेल. या योजनेचा आढावा सरकार दरवर्षी घेत राहील. त्यानुसार पुढील नियम बदलू शकतात.

प्र. ४. ही योजना कोण देऊ शकतो. त्याची अंमलबजावणी कोण करेल?

ही योजना सार्वजनिक क्षेत्रातील जीवन विमा निगम छकउ किंवा इतर विमा कंपन्यांद्वारा राबविली (ढरॠकउ२) जाईल. सहभागी बँका या त्यांच्या ग्राहकांसाठी अशी योजना राबविण्यासाठी कोणत्याही विमा कंपनीला यात सहभागी करू शकतात.

प्र. ५. या योजनेत कुणाला सहभागी होता येईल?

वर्षे १८ ते ७० या वयोगटातील सहभागी बँकांतील सर्व बचत खातेधारक या योजनेसाठी पात्र राहतील. एकाच वेळी अनेक बँकांत खाते असणाऱ्या ग्राहकाला फक्त एकच बचत खात्यामार्फत या योजनेत सहभागी होता येईल.

प्र. ६. योजनेत सहभागी होण्याचा कालावधी कोणता आणि त्यातील बदल कसे आहेत?

या योजनेत विमा संरक्षण हे १ जून २०१५ ते ३१ मे २०१६ या काळासाठी एक वर्षासाठी असून दरवर्षी ३१ मे पर्यंत प्रिमियम भरता येईल. त्याची वाढीव मुदत ३१ आॅगस्ट २०१५ ही पहिल्या वर्षीसाठीच राहील. यानंतर सहभागी होणाऱ्या वर्गणीदारांना पूर्ण वार्षिक प्रिमियम द्यावे लागेल आणि स्वत: दिलेला स्वत:चे निरोगी असल्याचा दाखला द्यावा लागेल.

ज्यांना पुढील वर्षी योजनेत सहभागी व्हायचे आहे त्यांनी प्रिमियम परस्पर खात्यातून वजा करण्याचे निर्देश दरवर्षी ३१ मे पूर्वी द्यावे. यानंतर सहभागी होणाऱ्या वर्गणीदारांना पूर्ण वार्षिक प्रिमियम द्यावे लागेल आणि स्वत: दिलेले स्वत:चे निरोगी असल्याचा दाखला द्यावा लागेल. पात्र नवीन सदस्य आणि ज्यांनी अगोदर सहभाग घेतला नाही ते पुढील वर्षात भविष्यात कधीही योजना चालू राहिली तर सदस्य बनू शकतात.

प्र. ७. प्रथम वर्षी सहभागी होऊ न शकणारा पात्र ग्राहक पुढील वर्षी या योजनेत सहभागी होऊ शकतो काय?

हो, परस्पर पैसे काढण्याच्या सेवेनुसार नवीन पात्र सदस्य या योजनेत सहभागी होऊ शकतात. त्यांनी प्रिमियम परस्पर खात्यातून वजा करण्याचे निर्देश देऊन सहभागी होता येईल. स्वत: दिलेले स्वत:चे निरोगी असल्याचा दाखला द्यावा लागेल.

प्र. ८. योजना सोडून जाणारा व्यक्ती परत योजनेत सहभागी होऊ शकतो काय?

कोणत्याही क्षणी सोडून जाणारा व्यक्ती परत योजनेत सहभागी होऊ शकतो, वार्षिक प्रिमियम देऊन तो योजनेत प्रवेश करू शकतो. त्यासाठी त्याला स्वत: दिलेले स्वत:चे निरोगी असल्याचा दाखला द्यावा लागेल.

प्र. ९. या योजनेत मास्टर पॉलिसी धारक कोण असेल?

सहभागी बँक ही सहभागी ग्राहकाच्या वतीने मास्टर पॉलिसी धारक असेल. या बँकेने आणि विमा संरक्षण देणारी जीवन विमा कंपनी छकउ यांनी साधी सोपी आणि ग्राहक हितदक्ष अस्थापना आणि क्लेम देणारी यंत्रणा उभारावी.

प्र. १०. या योजनेतील सहभागी ग्राहकांवरील जीवन संरक्षण केव्हा संपुष्टात येते?

सदस्याचे जीवन संरक्षण हे खालील बाबतीत संपते :

१) जन्म तारखेनुसार वय वर्ष ७० झाल्यावर (जी जवळची जन्मतारीख असेल.)

२) बचत खात्यात अपेक्षित शिल्लक नाही म्हणून आणि जीवन विमा प्रिमियम भरण्याच्या असमर्थतेत.

३) जर सदस्य हा एकापेक्षा जास्त बचत खात्यामार्फत या योजनेत संरक्षित असेल तर, अशा वेळी जीवन विमा कंपनीला असे अनेक प्रिमियम प्राप्त झाले तर फक्त २ लाख रुपयाचे जीवन विमा संरक्षण मिळेल आणि अन्य प्रिमियम परत केले जाणार नाही.

प्र. ११. प्रिमियमचा तपशील सांगा?

१) (ढरॠकउ२) / अन्य जीवन विमा कंपनीला प्रत्येक ग्राहक याप्रमाणे १०/- रुपये वार्षिक असे प्रिमियम राहील.

२) प्रत्येक ग्राहक याप्रमाणे दरवर्षी १/- रुपये याप्रमाणे इउ/ ट्रू१ङ्म/ उङ्म१स्रङ्म१ं३ी/ अ‍ॅील्ल३ यांना खर्च देणे.

३) प्रत्येक ग्राहक याप्रमाणे दरवर्षी १/- रुपये याप्रमाणे बँकेला अस्थापना खर्च मिळेल.

प्र. १२. हे विमा संरक्षण ग्राहकाने घेतलेल्या अन्य विमा संरक्षणाच्या व्यतिरिक्त असेल काय?

होय.

प्र. १३. नैसर्गिक आपत्ती जसे की भूकंप, पूर इ. मुळे होणारे मृत्यू/ अपंगपणा या कारणांना ही योजना लागू असेल का? तसेच खून/ आत्महत्या यासारख्या घटनानां देखील ही योजना लागू असेल का?

या वरील सर्व घटना प्रधानमंत्री सुरक्षा विमा (ढटरइ) योजनेअंतर्गत कव्हर केल्या जातील.

प्र. १४. सर्व जॉर्इंट खातेधारक उल्लेख केला गेलेल्या खात्याद्वारे ह्या योजनेत सहभागी होऊ शकतात का?

जर ते पात्रतेचे निकष पूर्ण करत असतील आणि प्रति व्यक्ती दरवर्षी रु. ३३०/- या दराने प्रिमियम (हप्ता) भरत असतील तर सर्व जॉर्इंट खातेधारक उल्लेख केला गेलेल्या खात्याद्वारे ह्या योजनेत सहभागी होऊ शकतात.

प्र. १५. प्रधानमंत्री सुरक्षा विमा (ढटरइ) योजनेसाठी कुठले बँक खाते योग्य असेल?

संस्थांशी संबंधित खाते वगळता सर्व प्रकारच्या खात्यांचे धारक या योजनेसाठी पात्र असतील.

प्र. १६. परदेशस्थ भारतीय (एन.आर.आय.) कव्हरेज मिळण्यासाठी प्रधान मंत्री सुरक्षा विमा (ढटरइ) योजनेअंतर्गत पात्र असतील का?

कुठल्याही भारतीय बँकेच्या शाखेत योग्य बँक खाते असलेला कुणीही परदेशस्थ भारतीय प्रधानमंत्री सुरक्षा विमा योजनेसाठी पात्र असेल.

प्र. १७. मृत्यू अथवा अपंगत्व यातून निर्माण होणाऱ्या अपघाताचा व हॉस्पिटलायझेशनचा खर्च परत मिळण्याची कोणतीही तरतूद आहे?

नाही.

प्र. १८. ज्या खातेधारकाने नोंदणी अर्ज भरलेला आहे आणि त्याचा मृत्यू झाल्यास विम्याचा लाभ कोण घेऊ शकते?

ज्या खातेधारकाने नोंदणी अर्ज भरलेला आहे आणि त्याचा मृत्यू झाल्यास विम्याचा लाभ नामनिर्देशित व्यक्तीस मिळेल. जर नामनिर्देशन केले नसेल तर कायदेशीर वारसाला मिळेल.

प्र. १९. क्लेमची किंमत कशा स्वरूपात दिली जाईल?

अपंगत्वाचा क्लेम खातेधारकाच्या बँक खात्यात भरला जाईल. मृत्यूचा क्लेम नामनिर्देशित व्यक्ती / कायदेशीर वारसाच्या खात्यात भरला जाईल.

प्र. २०. जर खातेधारकाने आत्महत्या केल्यास त्याच्या कुटुंबाला विम्याचा लाभ मिळेल का?

नाही.

प्र.२१. पॉलिसीतून मिळणारे लाभ घेण्यासाठी अपघाताची नोंद पोलिसांकडे करणे आणि ऋकफ दाखल करणे गरजेचे आहे का?

रेल्वे, मार्गावरील अथवा इतर वाहनांचे अपघात झाल्यास, व्यक्ती पाण्यात बुडली असल्यास, मृत्यू गुन्ह्याशी संबंधित असल्यास अपघाताची नोंद पोलिसांकडे करणे गरजेचे आहे. साप/ नाग चावणे, झाडावरून पडणे इ. घडल्यास त्वरित वैद्यकीय नोंद होणे आवश्यक आहे.

प्र. २२. जर विमाधारक हरवला असेल आणि मृत्यू झाला याची खात्री नसेल तर विम्याचा लाभ कायदेशीर वारसांना मिळेल का?

मृत्यू झाला याची खात्री झाल्यावरच विम्याचा लाभ मिळतो अथवा मृत्यू झाला असे मानल्यानंतर सात वर्षाच्या कालावधीनंतर मिळतो.

प्र. २३. जर व्यक्ती एका डोळ्याची नजर / एक हात/ एक पाय संपूर्णपणे गमावणे याशिवाय जर आंशिक अपंग असेल तर विम्याचा लाभ मिळेल का?

लाभ मिळणार नाही.

प्र. २४. प्रधानमंत्री सुरक्षा विमा (ढटरइ) योजनेच्या पॉलिसीज (धोरणे) परदेशी विमा पॉलिसीजच्या सहाय्याने सुरू झाल्या आहेत का आणि काम करत आहेत का?

भारतात अशा कुठल्याही परदेशी विमा कंपनीज थेटपणे काम करत नाहीत. विमा कायदा आणि कफऊअ नियमांनुसार भारतीय कंपनीज बरोबर काही परदेशी नवीन काम करीत आहेत. जेथे त्यांचा समभाग ४९% पर्यंतच मर्यादित आहे.

प्र. २५. क्लेम्सची पूर्तता न झाल्यास भारतातील परदेशी विमा कंपनीजवर काही कायदेशीर कारवाई करता येणे शक्य आहे का?

भारतात अशा कुठल्याही परदेशी विमा कंपनीज थेटपणे काम करत नाहीत. व्याख्येनुसार त्या भारतीय विमा कंपनीज आहेत. त्या सर्व कंपनीज भारतीय कायद्याच्या आधीन आहेत आणि त्यांच्यावर कायदेशीर कारवाई करता येणे शक्य आहे.

प्र. २६. हप्त्याचे दर वाढू शकतात किंवा कंपनीज भविष्यात योजना बंद करू शकतात का?

विमा हा इतर सेवांसारखाच असतो. हप्त्याचे दर भविष्यात वाढू शकतात, २१ भारतीय विमा कंपनीत असलेल्या स्पर्धेमुळे दर स्थिर राहण्याची शक्यता आहे. प्रधानमंत्री सुरक्षा विमा योजना (ढटरइ) व्यवहार्य असेल आणि ती बंद व्हायची शक्यता कमी आहे. जर काही विशिष्ट परिस्थितीत असे काही घडलेच तर बँकेकडे इतर ठिकाणी भागीदारी करण्याचे पर्याय उपलब्ध असतात.