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GROUP INSURANCES
Cover may depend on (a) Age (b) Rank (c) Income (d) Years of membership. If cover depends on Age or Rank, then all persons of same age or rank will get same Insurance cover. If cover depends on Income, cover can be fixed multiple of income. Income depending on output may be suitable for deciding insurance cover for farmers, milkmen, beedi worker, etc.
An employer enters into gratuity scheme with an Insurer. The fund is handed over to the Insurer for management. The Insurer carries out valuation every year to assess liability of the employer towards past and future service gratuity of his employees and requests for payment of Contribution. The Insurer will pay claims of gratuity for death, retirement and resignation of the employees on behalf of employer. There will be a insurance cover also on the life of members.
Retirement Schemes
Pensions paid by Central & State Govts have increased from about Rs.12000 Cr. in 1996 to about Rs.46000 Cr. in 2002. Apart from increase in wage rates and inflation, a major contributory factor is increase in life spans. Average expectation of life has gone up from 53 in 1980 to 63 by the year 2000. Employers, including Government, find it difficult to bear the increasing burden of retired employees.
Health Insurances
Health Insurance, according to laws in India, is part of non-life business. Life insurers dont cater to insurance relating to sickness, except to a limited extent as rider to individual policies. Cannot become a subject matter of Group Insurance policy in India. If law changes in conformity with provisions in other countries, life insurers will find big scope for a new line of business, in individual & group policies.
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