PLI
requests processing would be done in CPC at HO instead of at Divisional Office
and PLI Section at CO.
This
includes
•
Proposal processing
•
Policy servicing
•
Document scanning, indexing and storage
•
Agent management
2.
All policy documents related to the HO and corresponding SOs would be stored in
Head Office (CPC).
3.
Each customer would have a unique ID and all the policies will be linked to
that ID for a particular customer.
4.
CPC (HO) to scan old policy records into the new PCs using High Speed scanners.
Functions at P.Os and Central
Processing Centre (CPC)
1. Manager of CPC (Postmaster/Head of
HO)
•
Proposal Approver, Policy Service/Administration Request Approver (Financial
Transaction, Non-Financial Transaction)
•
Underwriter
•
Claim Approver
•
Loan Approver
•
Policy Nomination and Assignment
•
Sales approver
2. Supervisor at CPC
•
Proposal, Policy Service Request Quality Checker
•
Proposal, Policy Service Request Quality checker
•
Proposal Supervisor, Policy Service Request Supervisor
•
Claim Supervisor
3. PA at CPC
•
Claim Handler
•
Data Entry Operator
•
Grievance Handler
4. MTS at CPC
•
Document Scanning Assistant
•
Mail Receipt and Dispatch
5. PA at Counter of HO
•
Proposal and Service request indexer
•
Financial Transaction Assistant.
6. PA at SO Counter
•
Proposal and Service request indexer
•
Financial Transaction Assistant
Method of Operation (Software)
•
McCamish Software
Operations at Post Offices.
•
Index/Create New Application
•
Print initial premium receipt, renewal, loan repayment and miscellaneous
receipts. Printing duplicate receipts
MTS at CPC:
•
Scanning of documents received from customer. RectifY the OCR populated data,
tag the
•
Sort the mails as Fin/Non.Fin/Proposal & dispatching the letters.
PA at CPC will:
• Verify
entered Claims - Match entered data with scanned application and documents.
•
Check documents received from Counter and SOs. Redirect the application to Data
Entry
•
Enter application details
•
Route application for quality checking. In case of claims, route application to
claim handler Match entered data with scanned application and documents
•
Calculate the amount of loan as admissible on the date of application - System
will calculate and provide him. Need to check if the applied is less than
maximum and then forward it to quality checker/supervisor.
•
New Business - Check documents and forward to quality checker/supervisor with
comments if any additional document required.
•
To handle complaints and suggestions
• Verify
loan application and relevant documents,
Supervisor/Quality Checker at CPC:
•
Check non-financial policy service request. Request for additional documents,
if required. Redirect the application to data entry if data entered is wrong.
Verify the scanned documents, financial history of policies of customer before
taking decision
•
Allocate/reallocate Proposals and Policy Service requests for a particular Data
entry operator
•
Calculate the amount of loan as admissible on the date of application - System
will calculate and provide him. Need to check if the applied is less than
maximum.
Manager of CPC (Postmaster/Head of HO)
•
Approve/Reject financial policy requests - loans, surrender, partial
withdrawal, freelook cancellation etc. Request
for additional documents, if required. Redirect the application to data entry
if data entered is wrong. Check the applicant (if it is assignee or insured). Product
eligible for surrender, freelook, within conversion period, etc.
•
Premium Transaction reversal - In case the paid amount differs from the premium
amount.
•
Underwrite proposals, provide rating and suggest extra premium, rejection, etc.
•
Approve or reject any maturity and survival claim. Verity scanned documents,
refer other policies or requests of the client before taking decision, route it
to claim investigator, override system suggested investigation, verity investigation
report to take a decision.
•
Check the loan application details.
•Check
whether the policy is free from encumbrances (Assignment).
•Policy
Nomination and Assignment Approval
•Allocate/Reallocate
claims to handlers and approvers.
5. Limits for acceptance of new
proposals and settlement of maturity, survival benefit claims by different
authorities:
(a)
Postmaster of CPC of Has headed by Sr. Postmaster/ Head Postmaster - upto Rs 5 lakhs
of Sum Assured.
(b)
Director of CPC of New Delhi HOI Kolkata GPO/ Mumbai GPO and Postmaster of CPC of
GPOs headed by Chief Postmaster - upto Rs 10 lakhs of Sum Assured.
(c)
Head of Division - above Rs 5 lakhs of Sum Assured and upto Rs 10 lakhs of Sum
Assured.
(d)
Postmaster General of the Regional Office/ Circle Office - above Rs 10 lakhs of
Sum Assured.
6. Limits for settlement of death claims
by different authorities:
(a)
Postmaster of CPC of Has headed by Sr. Postmaster/ Head Postmaster - up to Rs.
2 lakhs of Sum Assured.
(b)
Director of CPC of New Delhi HO/ Kolkata GPO/ Mumbai GPO and Postmaster of CPC
of GPOs headed by Chief Postmaster - upto Rs 10 lakhs of Sum Assured.
(c)
Head of Division - above Rs 2 lakhs of Sum Assured and upto Rs 10 lakhs of Sum
Assured.
(d)
Postmaster General of the Regional Office/ Circle Office - above Rs 10 lakhs of
Sum Assured.
7. Functions of System Administrator
(PLI) at CPC HO
•
Provide system specific access to user roles, Maintenance (Add/Delete/Update)
of system users with office level.
•
Maintenance (Add/Delete/Update) of Claim Investigator.
•
Maintenance (Add/Delete/Update) of Medical Examiner.
•
Maintain records for any addition/deletion/updation of users in the system and
keep the same in safe custody.
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