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A Critical Study of the Protection of Consumers in the Insurance Sector with Special Reference to Life Insurance and Health Insurance (Record no. 111217)

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003 - CONTROL NUMBER IDENTIFIER
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005 - DATE AND TIME OF LATEST TRANSACTION
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008 - FIXED-LENGTH DATA ELEMENTS--GENERAL INFORMATION
fixed length control field 210518s2015 xx 000 0 und d
040 ## - CATALOGING SOURCE
Transcribing agency .
100 ## - MAIN ENTRY--PERSONAL NAME
Personal name Mr. P Ravi Shankar
245 ## - TITLE STATEMENT
Title A Critical Study of the Protection of Consumers in the Insurance Sector with Special Reference to Life Insurance and Health Insurance
260 ## - PUBLICATION, DISTRIBUTION, ETC.
Place of publication, distribution, etc. Bangalore
Name of publisher, distributor, etc. NLSIU
Date of publication, distribution, etc. 2015
300 ## - PHYSICAL DESCRIPTION
Extent 414p
505 ## - FORMATTED CONTENTS NOTE
Formatted contents note CONTENTS<br/>DECLARATION; <br/>CERTIFICATE; <br/>ABSTRACT; <br/>ACKNOWLEDGMENTS;<br/>CONTENTS;<br/>ABBREVIATIONS;<br/>LIST OF FIGURES;<br/>LIST OF TABLES;<br/>LIST OF CASES;<br/>CHAPTER-I;<br/>Introduction;<br/>1.1 Statement of the Problem;<br/>1.2 Reason for the present study, its implications;<br/>1.3 Review of existing literature;<br/>1.4 Objectives of the Study;<br/>1.5 Methodology and Scope of Research;<br/>1.6 Hypotheses;<br/>1.7 Research Questions;<br/>1.8 Likely contribution of the Study;<br/>1.9 Organisation of Chapters.;<br/>CHAPTER-II;<br/>Development of Insurance Laws in UK and USA;<br/>2.1 United Kingdom;<br/>2.1.1 General Aspects of Insurance in United Kingdom;<br/>2.1.1.2 Important Legislation on Insurance:;<br/>2.1.1.3 Role of Regulator;<br/>2.1.1.4 Contract conditions.;<br/>2.1.1.5 Consumer Protection;<br/>2.1.2 Discussion and analysis of Life Insurance Contract;<br/>2.1.3 Discussion on National Health Service and Private Medical Insurance;<br/>2.1.4 Ombudsman and its role-Basic principles;<br/>2.2 United States of America;<br/>2.2.1 General Aspects of Insurance in United States of America;<br/>2.2.1.1 Development of Insurance Business.;<br/>2.2.1.2 Important Legislation on Insurance;<br/>2.2.1.3 Role of Regulator;<br/>2.2.1.4 Contract conditions;<br/>2.2.1.5 Consumer Protection;<br/>2.2.2 Discussion of Individual and Group Life Insurance contract;<br/>2.2.3 Discussion on Patient’s Bill of Right and Health Insurance;<br/>2.2.4 Ombudsman and its role-Basic principles;<br/>CHAPTER- III;<br/>Development of Insurance Laws and Regulatory frame work of Insurance in Indian perspective;<br/>3.1 The Role of State under the Constitution;<br/>3.2 Development and Important Legislations of Insurance in India;<br/>3.3 Role of Insurance Regulatory Development Authority;<br/>3.4 Essential elements of Insurance Contract;<br/>3.5 Consumer Protection in Insurance Laws;<br/>CHAPTER- IV;<br/>Critical Legal analysis of Life and Health Insurance Policies;<br/>4.1 Introduction;<br/>4.2 Elements of Life Insurance and Health Insurance Contract;<br/>4.2.1 Nature of Insurance Contract;<br/>4.2.2 Basis of contract clause;<br/>4.2.3 Warranty in insurance Contract;<br/>4.2.4 Insurable Interest;<br/>4.3 Standard Form of Contract;<br/>4.4 General Terms and Conditions of Life Insurance Policy;<br/>4.4.1 Interpretation of policy conditions;<br/>4.4.2. Rules constituting words and phrases;<br/>4.4.3 Previous interpretation;<br/>4.4.4. Ordinary Meaning;<br/>4.4.5 Special meaning of words;<br/>4.4.6 Technical meaning of words;<br/>4.4.7 Contra proferentem;<br/>4.4.8 Policy to be looked upon as a whole;<br/>4.5 Specific Life Insurance Policy conditions;<br/>4.5.1 Proof of Age: 117<br/>4.5.2 Forfeiture in certain cases. 118<br/>4.5.3 Revival of lapsed policy 120<br/>4.5.4 Suicide clause 121<br/>4.5.5 Civil Death. 123<br/>4.5.6 Types of accident and eligibility for Accident benefit. 125<br/>4.5.7 Grace Period and Payment of Premiums. 136<br/>4.5.8 Guaranteed Surrender Value. 137<br/>4.6 Types of Health Insurance & Specific Health Insurance condition. 138<br/>4.6.1 Exclusion Clause. 148<br/>4.6.2 Deferred coverage of Risk. 150<br/>4.6.3 Role of Third Party Administrator in Health Insurance. 151<br/>4.6.4 Regulatory Role in Health Insurance. 152<br/>CHAPTER-V;<br/>Intermediaries in Insurance Law: A Critical Analysis of Legislation, Regulations and Case Laws.;<br/>5.1 Pre-Contract Information.;<br/>5.1.1 Definition and need for pre contract information.;<br/>5.1.2 The importance and legal implication of pre contract information.;<br/>5.1.3 The role of intermediary in pre contract information.;<br/>5.2 The law governing intermediaries.;<br/>5.2.1 Definition of Intermediary and legal status.;<br/>5.2.2. The law governing intermediaries.;<br/>5.2.3 Legal Relationship of intermediary with insurer and Insured.;<br/>5.3 Agents’ role in Life and Health insurance contracts.;<br/>5.3.1 Agent as first line underwriter.;<br/>5.3.2. Agents role in collection of premium.;<br/>5.3.3 Agents’ duties and rights.;<br/>5.4 Regulating intermediaries.;<br/>5.4.1 The Regulations and Guidelines of IRDA.;<br/>5.4.2 Need for a comprehensive Agents Regulations.;<br/>5.4.3 Protection of Consumer Interest.;<br/>CHAPTER- VI;<br/>Legal Rights and Responsibility of the Consumer and the Insurer: An Empirical Study;<br/>6.1 Duty of Disclosure.;<br/>6.2 Representation, Misrepresentation and fraud;<br/>6.3 Utmost good faith and changing trend.;<br/>6.4 Warranty.;<br/>6.5 Right of return of premium.;<br/>CHAPTER- VII;<br/>Current Legal Protection and Remedy for the Insured and its adequacy;<br/>7.1 Introduction;<br/>7.2 IRDA Guidelines on Protection of Policy holder’s Interest;<br/>7.2.1 Integrated Grievance Management System;<br/>7.3 Alternate Dispute Resolution under Code of Civil Procedure 1908;<br/>7.4. Origin and Development of Ombudsman;<br/>7.4.1 Redress of Public Grievance Rules and Insurance Ombudsman Scheme;<br/>7.4.2 Interpretation and interference with Ombudsman’s award by High Court.;<br/>7.4.3 Banking Ombudsman;<br/>7.4.4 Ombudsman in UK and USA;<br/>7.5 Remedies Available before Civil Court.;<br/>7.6 Consumer Protection and Permanent Lok Adalath;<br/>7.6.1 Insurance Service as Public Utility Service.;<br/>7.6.2 Procedure of reference to Permanent Lok adalat & its power ;<br/>CHAPTER- VIII.;<br/>Policy holders Protection under Consumer Protection Act 1986. ;<br/>8.1 United Nations Guidelines for Consumer Protection;<br/>8.2 Consumer protection rationales;<br/>8.3. Voluntary Consumer Organization.;<br/>8.4 Consumer Protection in India;<br/>8.5 The Significance and importance of Consumer Protection Act, An analysis.;<br/>8.5.1 Discussion on Definition;<br/>8.5.2 Discussion on Consumer Protection Councils and its importance;<br/>8.5.3 Discussion on Jurisdictions, Powers &Duties of Redress Agency;<br/>8.5.4 Penal Provision;<br/>8.5.5 Discussion of Consumer Protection Amendment Bill (2011)-An analysis;<br/>CHAPTER-IX.;<br/>Critical Analysis of Insurance Act and Proposed Amendments;<br/>9.1 Assignment of Life Insurance Policies;<br/>9.2 Legal effect of Nomination and proposed Amendment;<br/>9.3 Non Contestable Clause;<br/>9.4 Notice of options available to the assured on the lapsing of a policy;<br/>9.5 Prohibition of cessation of payment of Commission;<br/>9.6 Financial Sector Legislative Commission Report and insurance.Relevance to Insurance Sector..<br/>9.7 Testing of Hypothesis.<br/>CHAPTER-X..<br/>Conclusion and Recommendations.<br/>10.0 Conclusion.<br/>10.1 Recommendations..<br/>LIST OF APPENDIXES .<br/>A. Questionnaire to Advocates.<br/>B. Questionnaire to Agents.<br/>C. Questionnaire to Policyholders.<br/>D. Details of NCDRC orders.<br/>E. Parliamentary questions and Answers.<br/>BIBLIOGRAPHY.<br/>BOOKS.<br/>ARTICLES/JOURNALS/LEGISLATIONS.<br/>REPORTS/BILLS/CODES/REGULATIONS.<br/>WEBSITES.<br/>
520 ## - SUMMARY, ETC.
Summary, etc. Development of Insurance law - UK & USA
-- Insurance Laws & Regulatory Frame Work - Indian Perspective
-- Life and Health Insurance Policies - Critical Legal Analysis.
700 ## - ADDED ENTRY--PERSONAL NAME
Personal name Kaza, Gandhi P C; Rambrahmam
9 (RLIN) 1
856 ## - ELECTRONIC LOCATION AND ACCESS
Uniform Resource Identifier <a href="https://dans.nls.ac.in/handle/123456789/366">https://dans.nls.ac.in/handle/123456789/366</a>
942 ## - ADDED ENTRY ELEMENTS (KOHA)
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        . .   21.05.2018   PhD051 21.05.2018 21.05.2018 Thesis