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Housing loan insurance in collaboration with Government Sector सरकारी क्षेत्र के सहयोग से आवास ऋण बीमा

Housing loan insurance in collaboration with Government Sector  सरकारी क्षेत्र के सहयोग से आवास ऋण बीमा GOVERNMENT OF INDIA  MINIST...

Housing loan insurance in collaboration with Government Sector सरकारी क्षेत्र के सहयोग से आवास ऋण बीमा
Housing+loan+insurance
GOVERNMENT OF INDIA 
MINISTRY OF FINANCE
DEPARTMENT OF FINANCIAL SERVICES

LOK SABHA 

UNSTARRED QUESTION No. 3487
ANSWERED ON MONDAY, MARCH 16, 2020

HOUSING LOAN INSURANCE

SHRI Y. DEVENDRAPPA
SHRI G.M. SIDDESHWAR

Will the Minister of FINANCE be pleased to state:

(a) whether the Private and Public Sector banks are providing housing loan insurance in collaboration with Government Sector and Private Sector Insurance Companies, if so, the details thereof;

(b) whether it is a fact that the terms and conditions for the customers are such that they loose their entire premium when they switch their Housing Loan from one bank to another, if so, the reasons therefor; and

(c) if not, the clauses mandated for banks and insurance companies, to protect the interests of the housing loan customers and while switching over their Housing loans to another bank/finance companies?

ANSWER
MINISTER OF STATE IN THE MINISTRY OF FINANCE 
(SHRI ANURAG SINGH THAKUR)

(a) The Insurance Regulatory and Development Authority of India (IRDAI) has informed that the IRDAI (Non-Linked Insurance Products) Regulations, 2019 allow Insurers to file ‘Group Credit Life Insurance Products’.  The Public Sector Insurer, namely, LIC of India, and a few of the private sector Insurers have launched such policies. Life Insurers may charge single or regular premiums and issue policies under such products to Banks desirous of covering the risk of death on the lives of borrowers, who may  have availed loans for  different purposes, including housing loans.

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(b) & (c) IRDAI has issued regulations to protect the interests of housing loan customers who are members of Group Credit Life Schemes. The Regulation 19(k) of IRDAI (Non- linked Insurance Products) Regulation, 2019 provides that in case of surrender of the group policy, other than fund based group policies, the insurer shall give an option to the individual members of the group, on such surrender, to continue the policy as an individual policy and the insurer/intermediary if any, shall continue to be responsible to serve such members till their coverage is terminated.

(क) क्या निजी तथा सरकररी क्षेत्र के बैंक सरकारी क्षेत्र तथा निजी क्षेत्र की बीमा कंपनियों की साझेदारी में आवास ऋण बीमा प्रदान कर रहे हैं, यदि हां, तो तत्संबंधी ब्यौरा क्या है;

(ख) क्या उपभोक्ताओं के लिए इसकी शर्ते इस प्रकार की होती हैं कि उनके द्वारा अपना आवास ऋण एक बैंक से दूसरे बैंक में स्विच करने की स्थिति में उनकी प्रीमियम की पूरी राशि खत्म हो जाती है, यदि हां, तो इसके क्या कारण हैं; और

(ग) यदि नहीं, तो आवास ऋण लेने वालों के हितों की रक्षा के लिए बैंकों तथा बीमा कंपनियों को अधिदेशित खंड क्‍या हैं, जबकि वे अपना आवास ऋण दूसरे बैंक/वित्तपोषण कंपनी में स्विच करते हैं?

उत्तर
वित्त मंत्रालय में राज्य मंत्री 
(श्री अनुराग सिंह ठाकुर)

(क)  भारतीय बीमा विनियामक और विकास प्राधिकरण (आईआरडीएआई) ने सूचित किया है कि आईआरडीएआई (गैर-संबद्ध बीमा उत्पाद) विनियम, 2019 बीमाकतीओं को 'सामूहिक ऋण जीवन बीमा उत्पाद” दर्ज करने की अनुमति देता है। सार्वजनिक क्षेत्र के बीमाकर्ता, नामत: भारतीय जीवन बीमा निगम और कुछेक निजी क्षेत्र के बीमाकर्ताओं ने ऐसी पॉलिसियों का शुभारंभ किया है। जीवन बीमाकर्ता एकल अथवा नियमित प्रीमियम का प्रभार लगा सकता है और ऐसे उधारकर्ताओं, जिन्होंने आवासीय ऋण सहित विभिन्‍न प्रयोजनों के लिए ऋण लिया हो, के जीवन के मृत्यु जोखिम को कवर करने के लिए इच्छूक बैंकों को ऐसे उत्पादों के अंतर्गत पॉलिसियां जारी करता है।

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(ख) और (ग) आईआरडीएआई ने आवासीय ऋण उपभोक्ताओं, जो सामूहिक ऋण जीवन योजनाओं के सदस्य हैं, के हितों की रक्षा के लिए विनियम जारी किए हैं। आईआरडीएआई (गैर- संबद्ध बीमा उत्पादों) विनियम, 2019 के विनियम 19(ट) में यह उपबंध किया गया है कि सामूहिक पॉलिसी के अरभ््यपण की स्थिति में, निधि आधारित सामूहिक पॉलिसियों को छोड़कर अन्य पॉलिसियों के विषय में बीमाकर्ता ऐसे अभ्यर्पण पर समूह के वैयक्तिक सदस्यों को एक वैयक्तिक पॉलिसी के रूप में जारी रखने के लिए एक विकल्प देगा तथा बीमाकर्ता/मध्यवर्ती, यदि कोई हो, ऐसे सदस्यों को सर्विसिंग प्रदान करने के लिए तब तक उत्तरदायी के रूप में जारी रहेंगे, जब तक उनका कवरेज समाप्त नहीं होता।

Source : Lok Sabha

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Indian Govt Scheme - Sarkari Yojna - सरकारी योजना: Housing loan insurance in collaboration with Government Sector सरकारी क्षेत्र के सहयोग से आवास ऋण बीमा
Housing loan insurance in collaboration with Government Sector सरकारी क्षेत्र के सहयोग से आवास ऋण बीमा
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Indian Govt Scheme - Sarkari Yojna - सरकारी योजना
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