GENERAL INSURANCE LEH ZOMITE

Aizawl SSPP heutute’n “Magazine-a ding article hon gelh in” hon chih u leh, Zomite’n i phattuampihna dinga ‘Leikha’ beek ahih lamenin general insurance toh kisai gelhsawmin “Aw” ka na chipah hi. Ka hon gelh pat chiangin lah general insurance toh kisai thumal khenkhat eipaua gen haksa leh insurance i chih huapzaupi ahihman huphulhhuai hong suak thak sim hi. Na “Aw” khin ka hihman’ gelh theih dandan, ei Zomite toh kituak ding, a tomkim thei penin ka hon gelh suk hi.

Insurance Mellahna.

Insurance thumal eipau a omnailou ahihman in insurance chih mah i zing phot ding. Insurance khenpi nih – Life leh General in kikhen hi. Life insurance pen mihing hinna leh sum koihpunna lam toh kisai ahih lai-in general insurance bel mihing’ neih-le-lam toh kisai deuh, a chih theih ding. Life insurance-ah a ki insure pen tung ngeingei ding (sihna  ahihkeileh insurance hunchiam) theihsa ahih lai-in general insurance ah bel tungthei, tunglou thei (accident khakleh tung) hi chi phot ni.

India gam ah Life Insurance Corporation of India in life insurance lam khoih in, The New India Assurance Company Limited, National Insurance Company Limited, United India Insurance Company Limited leh Oriental Insurance Company Limited te’n general insurance lam sai uhi. Hiaite government company (Public Sector) ahi ua, kum 2000 malamin amau lou company dang in insurance in sumdawng theilou uhi. India sorkal in economic  liberalization chia dan a hon khek manin tuni-in life leh general insurance a sumdawng private leh foreign company tampi a omta.

Insurance Bulpi: Mihing Bitlouhna.

Mihing hinna leh neih-le-lam tuahsiat ziaka mang leh sethei gige a, mihingin mailam a tuahsiat/tuahsiatlouh ding lah theikhol lou i hihmanin bitlouhna (risk) toh i hinga, hinkhua lungmuan taktak theihlouh hi. Hiai bitlouhna leh mantheihnate a pana kivenna ding mihing in a bawlkhiak leh zat poimoh mahmah khat insurance ahi. Insurance in tuahsiat ding dal theilou-in tuahsete manna suma tuatkhiak’ muhkik sak tum zaw hi. 

Insurance Genchetna.

Dan lama etin insurance pen pawl nih kigakna (contract chihna di’n zang mai ni) hi-a, Indian Contract Act huam sungah om kha hi. Insurance latu leh insurance company in hunchiam (policy period, general insurance ah kum khat hi tangpi) nei-in kigakna bawl ua; huai kigakna ah insurance bawltu in kigakna-sum (premium) insurance company pia in insurance company in sum na dong hi. Hunchiam sunga insurance bawltu a tuahsiat leh a mannate,  sum bikhiah (sum insured) in a huam tan insurance company in a pe ding hi. Hunchiam sunga tuahsiatna a om kei leh a sum pen insurance company tang hi. Premium pen insurance bawltu leh insurance company kigakna namkipna suak hi.

Mihingte tuahse thei vek himah le kua tuahse ding chih ki theikhol lou hi. Huai theihkhollou mihing 10,000 in sum tamlou chiat kithoh khawm u henla, kum khatin a lak uah mi 10 hiam tuahse taleh, a sum thohkhawm uh tuahsete manna zah vukna (ditna) dingin kidaih thei hi. Huai a sum thohkhawm uh huchi a ahon zat chiang un a lak ua tuahsete manna tawm chikchiat a pekha a suak uhi. Huchibang deuhin insurance bawlte sum (premium) insurance company in tuahsia a tam leh man kihuama mohpuakna la in na kolsak uhi. Insurance bawlte kuamah tuahse kei leh a bawltu pethawn kisa kha thei  mahleh tuahsia tuak hitaleh muhkik ding nei ahihmanin lungmuanna leikha veve suak a, pethawn hilou hi. Tuahse loute’n lungmuanna leikha, tuahsete’n sum a tuat a manzah uh mukik ding, tuahsia a tam leh insurance company lam mang ding ahihman a vek un tawmngai kha suak uhi.

Policy Tangpi.

General insurance huam sung ah insurance policy chi tuamtuam tampi omte lom lianpi thum in kikhen hi. Huaite tuh:

1.   1. Fire Insurance. Kangmei ziaka manna toh kisai deuh himahleh fire insurance policy in kangmei kia hilou, zingling, menchim, huihpi, vuahpi adg ziak a mannate huam tangpi hi. Mimal ban ah industry, factory liante khong a dingin a  deihdan u toh kituak policy tuamtuam tampi a om hi.

2.   2. Marine Insurance. Hiai pen long (ship) tuahsia leh vanpuak (tuilong, motor, rail leh vanlenga puak) lam kala tuahsiat ziaka manna omtheite toh kisai nawn hi. Sumsinna leh contract/project lian khonga ah khawl leh van mantam pipi mun tuamtuam a kithot/puak kawikawi ngai gige ahihna ah lamkal a zat dia poimoh insurance ahi deuh.

3.   3. Misc. Insurance. A tunga tegel in a huamkhaklouh tuahsiatna chi tuamtuam – motor tuahsia, mihing tuahsia, damlouhna, sumsinna, van tuamtuam, ganta, haichi adg toh kisai ahi nawn hi.

Hiai lomlian thumte nuai-ah, a diakin Miscellaneous-ah policy chi tuamtuam a za (100) a sim om hi. A malmal a ginseng ding hilou ahihna ah atheibeh nuamte’n insurance office khat peuh ah a kanchet theih ding hi (Magazine ah a kisuahna ah huailai a India gam sunga public sector leh private insurance company om tengteng te website Appendix ah ki koiha, huai website-te  apan le muhtheih ding ahihdan taklat himahleh tu in insurance company omte kibang kim nawnlou leh website min kikhek khenkhat a om manin ki taklang nawnlou hi.)

Insurance Poimohna Khenkhat.

Nidangin Zomite khovel leh khosakna mawlin niam-a, hinna leh khosakna dia i mamohte tamlou hi. Nek ding in i khohsa- buh, silh ding – i gatsa- puan leh tenna ding – i lamsa – inn i neih nakleh hun hi sim hi. Khosung ah inkang bang omtaleh  insak-inkhang, veng-le-pam in kangmei tuakte tenna ding inn lamsak zokin nek ding le ahitheitanin kaihkhawm sak mai hi. Tu hunin huchi thei mai nawnlou hi. Nasep, nekzondan, inten-louten dan tuamta a nasemte  bang in a ut hunhun ua a nna uh taihsan mai thei khollou ahihtak man un tawmngai kichi in awlmoh lele mi inkang va lam/tunding kikpih baihlam nawn lou hi.

Kangmei banah zingling, huihpi-gialpi, tuilian, menchim, guktak-laktak, tuahsiatna a damlouh a poihlong adg in siatna leh manna tun thei gige hi. Bandh (strike) chih khong leh mihonpi heh (riot, mob violence) ziakin van leh neih-le-lam suksiat chih bang om mawk hi. Huchibang a thuakkhate ki tunding kik baihlam lou ahihmanin mimal chiatin tuahsia tuakin buai leng  bang ka chi kitunding kik dia chih ngaihtuah ngaita a, hiai-ah insurance hong poimoh hi.

Mimal leh gam economy kipna ding, gam sunga social security omna ding in insurance poimoh hi. Nidanglai in khosung mite tawmngaihna, khosung (society) a dinga social security himai in hun mahleh tuhun in huai kia kingaktheih  hi nawnlou hi. Insunga nekzong pen si ahiam tuahsia-in nna semthei nawnkei taleh amah a kinga, inkuante buai hipah hi. Nekzongpen in Personal Accident policy bang a lak leh amah a kingate’n insurance pana muhkik ding nei thei hi.  Health insurance neite a dingin (theihkhollouh) damlouhna tuaha inkal-kitawi zena panlak a ngaih hunin a phatuam hi. Workshop/dawr hiama nasemte a nasep lai un tuahsia in khutbul-khebul in omle uh dan (WC Act) dungzui in a guaitu (a sepna neitu) in compensation a piak ngai hi. A guaitu in insurance a bawl chiangin ama mohpuakna insurance company ah ngakhia hi.

Neihtenga i lam – i inn leh a sunga vante kangmei hiam huihpi ahihkeileh zinliing adg in sesak leh kitunding kik theihna dinga panlakna baihlampen insurance a kiven hi ding hi. Neihteng genlouh, neihlouh tan bank loan la, meet lamenin dawr khong ki bawla; a dawr ahiam a vanzuak ding i koihna godown bang zan khatthu in kangtum thei in, guta in gumang leh bei hilhel thei hi.

Sumbawlte'n vanzuak ding kawlgam, vaigam a lei-a, eigam-a a puakna uh ahihkeileh a leinate un van a khak uh pawtu motor/rail/vanleng/tuilong lamkala tuahsia in van teng segai thei hi. Lampi ah huihpi, gialpi, vuahpi in leng vante zuaktaklou ding khopin sesak thei hi. Sumdawngte'n zuak dinga van a leite uh amau kiang a tunma lamkal a ding insurance a bawl chiang un lamkala asia-amangte suma sutkhiak muhkik ding om ahihman in lungmuang takin van tampipi mun gamla apan a lei in sumdawng thei uhi.

Hiai ah Zomite in i theih dinga poimoh khat henlut le. Bank loan i lak chiang hiam, govt. development scheme khat p nuai a loan i lak chiangin a sum hon petute in tuahsiat ziaka loan i ditzohlouh ding lau in kivenna dingin insurance hon na bawlsak tangpi uhi. Huchibang loan i laknate in i theihlouh kala insurance hon na bawlsak khin uh hithei hi.   

A leina ding nei khatin motor leia a zat mai pen hun khin lou hi. Dan (law) in motor neitu mohpuakna lianpi guan hi. A motor tuahsiat ziaka mihing si leh liam ahihkeileh van suksiat a om chiangin motor neitu in vangtahte/vanneitute kianga zangnadomna a piak ngai om hi. Asi aliamte dinmun, kum, khaloh leh amah a kingate enin court in zangnadomna piak ding zah bihkhiah hi. Atamlam bikhiah (limit) omlou, court in pha leh kihun a sak zahzah motor neitu in piak ding hi mawk hi. Si leh liamte in MACT (India gam miteng’ naihtheih ding koihpeuh a om) ah case file in compensation a nget ding uh ahi (Motor accident toh kisai a vangtah khate in hiai theih dingin a hoih).

Motor neitu in a motor insurance a bawl chiangin hiai zangnadomna piak ding mohpuakna insurance khutah nga in amah a kihahsiang hi. Motor neitute makhualna in India kumpi in a loutheilou a motor insurance hih ding in dan bawl hi. Huaiziak a insurance neilou a motor khalhte police in manin liausak thei hi.

Gam khangtou te’n insurance zat phattuam dan a khangtouloute sangin thei zaw nak uhi. Zomite omna N.E. India, Chin State, Myanmar sungah Mizoram in insurance zang phatuam pen dingin a uphuai hi. I chih hangin Mizoram ah leng motor leh bank loan lakna a aloutheilou chihte kan kuama’n insurance ngaihsak tuan khollou hi. Kristianna peuh suang in “Tunglam ah ka ki insure khinta” chih khong kiza thei sek hi.

I gam hon ukte’n phuu honsa lou uh ahia, a gam mite'n zillou i hia, development nna lian leh infrastructure i gam ah kibawl tamlou hi.  Development nna lian khong sepna dingin mimal hi’n sorkal hitaleh sumneite'n insurance tellou in a sum uh seng in nasem ngamlou ding uhi. Hiai in insurance leh gam khantouhna a paikhawm khakna langsak mahmah in insurance poimohna genkha hi. I gamah khantouhna ding nalian a omlouh mana insurance poimohlou chihna ahi zenzen kei. Gam khangtoulou ah leng mimal in insurance hih tuak, hih ding tampi om veve hi.

Hiai teng i genna, mimal chiatin nasem in economic dinmun kipin om chiatle i gam economy hong hoih in gam hong khangtou ding i chihnopna ahi. Mimal economy hoihna dingin thanop leh nasep kia hunlou, nna naksepin sum hau mahle a mihing in tuahsia tuah khak a buaisiat theih hi lai hi. Tua i gente in insurance phattuamna leh  poimohdan bangtan hiam hon neihsak a lamet huai hi.

Insurance a Nasepna.

General insurance toh kisai a sepna, nekmuhna omthei khenkhat i gen beh lai ding. Insurance company a nasem ding officer cadre ah – Administrative Officer (nidang a AAO pen tu a AO) leh clerical ah – Assistant te competitive exam neih a lak ahi sek hi. Hiaite all India competition exam a lak ahi.

Agents.  Insurance policy tuamtuamte mipi laka zuak leh thehdalh ding in commission ne agent leh adg dg zat ahi. Agent hihtheihna dingin IRDA prescribed training/exam kul hi. IRDA i chih Insurance Regulatory Development Authority of India chihna ahi a, bank-te uk RBI ahihbang a insurance lam enkoltu ahi. Training lunglutte’n insurance company khatpeuh ah kanchet theih gige ding hi. Training a tel thei dingte khopi ah Graduate, Cl-XII khong leh khoneu ah Cl-X ahi.

Surveyors. Tuahsete insurance company in sum a piak dingzah sutkhe dinga IRDA in license a piak ahi uh. Deihsak  leh khentuam omlou a accident a mangzah geih insurance company in a piak ding deihna a siambik nei  surveyorte kumpi in a kigolhsak ahi. Surveyor licence ngah theina nidang sangin tulai in haksa zawta hi. Kum bangzah hiam surveyor semsa zuih a ngaia, IRDA in surveyor chinna dinga exam a sai a pass uh a ngai hi. Ka theihna chiang ah Zosuante lak ah surveyor khat le om lou hi. Mizoram ah khat omngei a, himahleh tawpsan hi.

Investigators. Diklou taka insurance claim omte suichian ding a insurance company in a goih uh ahi. Hiai nasem ding a chitnate kibang kim khollou hi. MACT claim a dingin law student leh retired police officer chih khong deih deuh uhi.

Advocates. Insurance claim a lungkimloute’n consumer court khong tunin insurance company thubuai a bawlkhum thei ua, motor accident claim a vangtahte’n zangnadomna court a a claim uh ngai ahihman in insurance company tanga ding ding ukil company-ten a neih uh kul hi. A semthei dingte LLB leh a tunglam, experience neihoih leh a siamte deihtuam ahi.

Atung lama i gen mah bangin insurance i chih huapzau  mahmah ahihmanin insurance toh kisiai gen bei ngei ding hilou hi. Zomite’n a tangpi a insurance bang hi hiam chih i theihtheihna ding, a poimohna i theihna ding leh sepna omtheite khong i theihna dia  General Insurance leh Zomite chih thulu zanga i gelh hiaizah hisak phot ni.

Note:

1.       1. Hiai article ah insurance chih kammal mun khenkhat ah general insurance genna in a kizang mai hi.

2.       2. Hiai article hi, Siamsin Heisa kichi, SSPP, Mizoram in 2005 a  magazine a bawl ua suah dinga GENERAL INSURANCE TOH KISAI thulu a zanga  gelh ahi.

3.       3. Tu in Magazine a  kisuah bang chiahchiah hilou deuh, a simnop zaw dia neukha bawllem in net a koihkhiak ahi.