Labels

Area (2) Bus Pass (1) Call Taxi (2) Distance (1) EB (1) Fare (2) Power (1) Shopping (1) Street (1) Street Shopping (1) Tariff (6) Taxi (1) Ticket (2) TNEB (1) Transport (1)

Thursday, 26 November 2015

What to do when accident occurs



Ignorance is a sin. Ignorance is a thing which gives way for more debates. Have heard a lot more thoughts "Ignorance is a bliss", "Ignorance is a Choice", "Ignorance is a sin" and so on. Even the law tells "Ignorantia Juris Non Excusat" means which, "Ignorance of law is no excuse". As said already, it is a much debated topic. But we should not fall into the category of that "Ignorance". 

Whenever we find there is a lapse at the time of emergency , it is mainly because of the ignorance. This post is about the Emergency care to be taken at the time of accident - where I gonna post about the things to do and not to do when an accident occurs. Though, the post and tips were common to all, the emergency contact numbers which I am providing will be related to Chennai District. 

Steps to be taken when accident occur :

Whenever an accident occurs, the first thing we get into is panic - It will be either the fear of loss of life or the fear of law. If we take the necessary steps at the right time, we shall save the lives of the people involved in accident. Listing below the steps that can be taken when an accident occurs. I am also trying to explain in the form of infograph at the end of this post to make it easily understandable. 
  • Give First Aid to the injured  
  • Switch on the hazard lights to indicate the other vehicles of an incident.
  • Call the Ambulance (108) & take the injured to the nearest Hospital. 
  • Give Information to the nearest police personnel
  • Give Information to the Traffic Control Room .Call 103 - 044-28521323, 044-23452362,  044- 42042300 & 98400 17626 
  • Note the Registration Numbers of the vehicles involved
  • The Duty Doctor shall  make necessary entry in the Accident Register (AR), admit the injured, give treatment and give information to the police.
  • If you are an eye witness and wish to provide written statement then you need to come to the police station and give a written and signed complaint.
  • Keep in mind it is illegal to move any vehicle involved in the accident or any thing from the scene. Leave things as they are, even if they are blocking the road to other users.
  • Avoid smoking, as there may be a petrol spillage.
Note: The driver of the faulty vehicle shall take the injured to the nearest hospital for treatment & give information to police. In case of failure, he is liable for punishment.

The above steps has been illustrated in the form of Infograph below: 




No Case Against Those who Helps the Accident Victims:

Many of us know the fact that the Government has recently announced that there is no need to be panic while helping the accident victims as the civil / criminal case won't be filed on those who helps the victims. Sharing few key points to be noted in this regard, as published in Hindustan Times: 
* A Good Samaritan in road accidents should be allowed to leave immediately, if they take an injured person to the hospital. They should not be questioned


* They should be suitably rewarded to encourage other people to come forward to help accident victims

* No civil or criminal liability should be fixed on them

* Any person who makes a phone call to inform about the victim lying on the road, shall not be compelled to reveal his/her name and personal details

* Disclosure of personal information shall be voluntary in medico-legal case form of hospitals

* Disciplinary action will be taken against public officials who force the good Samaritan to reveal his/her name and personal details

* In case of voluntary disclosure of being a witness to an accident and required to be examined for investigation by the police or during the trial, such a person shall be examined only once and the state government shall develop an SOP for non-harassment

* The ministry of health and family welfare shall issue guidelines for all registered public and private hospitals not to detain anyone who helps accident victims for registration and admission costs, unless they are a family member or relative of the injured.

List of Hospitals in Chennai - Google Map: 

Chennai has got more hospitals and it is impossible to share the contact of all the hospitals. Whenever an accident occurs, it is better to take the injured to the nearest hospital. I am sharing the Google Map below whereby the Hospitals in Chennai were plotted. Based on the area of accident, you can zoom-in and get in touch with the nearest hospital. I am using this as an experimental feature. Feel free to ping me if it doesn't work: 

 



Conclusion:

A recent survey* states that around 88% bystanders hesitate to help a victim of road crash due to legal hassles and fear of police harassment. Repeated questioning by the police, multiple summons from courts of law prevents the passerby from extending a helping to people in need, reveals the survey. As we discussed above, helping the accident victims is just a matter of time now. No need to worry about the legal implications. Never hesitate to help the victims whenever you come across any accidents. 

Be the change & See the change.  


* www.firstpost.com

Saturday, 27 June 2015

PM Insurance & Pension Schemes – A Ready Referencer



PM Insurance & Pension Schemes 
A Ready Referencer

Death is the one term which makes everyone scary and the same fear plays the vital role in availing the insurance on our lives. Death is certain to happen, how many of us think about what happens to our family after our death? The insurance provides the solution for this question. It is obvious that the human life can’t be replaced with the monetary returns, but still, running a family after losing someone in our family is not an easy thing. These monetary returns in the form of Insurance claims will be handy at those times. The below quote holds good to explain about insurance in a nut-shell:

“It's not for you - it's for those you care most about!”

I am sure almost all of you are aware about the recently launched Prime Minster’s Insurance & Pension schemes.  I am just trying to explain the procedures to apply for these insurance & pension schemes in a nut-shell. I will be posting about three different schemes launched by the Government:

1.  Pradhan Mantri Jeevan Jyoti Bima Yojana (LIFE INSURANCE)
2.  Pradan Mantri Suraksha Bima Yojana (ACCIDENT INSURANCE) &
3. Atal Pension Yojana (PENSION SCHEME)

I have tried to explain the details of these schemes in the form of Infographic, so that it will be easier for the people to understand. 

1. Pradhan Mantri Jeevan Jyoti Bima Yojana (LIFE INSURANCE)

The basic information is presented in the form of Infographic below. 


How to Apply?

Applying to this scheme is just a simple task. No need for ID proof, Address Proof, DOB Proof documents. Some banks offer online application, whereas others  offers offline application.

Off-Line Application (By Submitting Application form in Bank)


2. Fill in the form with the necessary details. Since we already have the account with our banker, this form has very minimal entries to be filled in. It wont take more than 15 minutes to fill this form.

3. Don’t forget to fill the Aadhar Number if you have one.

4. No need to have / affix Photograph in the application form.

5. Submit the duly filled in application form to your banker. They will take care of the rest. Within a week’s time the scheme will be activated.

On-Line Application:

As far I know,  only 4 banks are offering the Online Application for this scheme and links are given below:

1. ICICI Bank:

Service Requests > Bank Accounts > Enroll for Pradhan Mantri Jeevan Jyoti Bima Yojana
SMS PMJJY <Nominee name> Y to 5676766 from your registered mobile number.

2. HDFC Bank:

NetBanking > Click on the ‘Insurance’ tab > Select Scheme > Select the SB A/C

3. Kotak Mahindra Bank:

Link: https://www.kotak.com/j1001mp/netapp/MainPage.jsp
SMS JYOTI <nominee name> to 5676788

4. SBI:

Login to NetBanking > My Accounts > Social Security Schemes > Select the Scheme & Acc no

How and When to Claim?

The claim can be made only if the member / subscriber died before 55 years of age after paying the required premiums. The claim should be initiated by the nominee whose name is mentioned in the application form.  The procedure is explained in the form of Infographic below: 



Claim form can be downloaded from the below link:

http://www.jansuraksha.gov.in/Files/PMJJBY/English/ClaimForm.pdf


Key Points to note:

1. This is a one year cover renewable from year to year

2. Cover for the members enrolled after 31st May 2015 will be the prospective period from the date when they enroll to 31st May 2016. But full premium to be paid.

3. The cover is for the period is till the insured attains 55 years of age. No maturity benefit -  if the contingency (Death) happens before 55 years of age, the claim will be settled, else no return.

4. It should be operated through savings bank a/c only. If the members have more than one savings a/c, he can choose any one savings a/c of his choice.  One policy for one member. 

2.  Pradan Mantri Suraksha Bima Yojana (ACCIDENT INSURANCE)

The basic information is presented in the form of Infographic below. 



How to Apply?

As similar to Life Insurance scheme (Pradan Mantri Jeevan Jyoti Bima Yohana), we can apply online or offline.

Off-Line Application (By Submitting Application form in Bank)


2. Fill in the form with the necessary details. Since we already have the account with our banker, this form has very minimal entries to be filled in. It wont take more than 15 minutes to fill this form.

3. Don’t forget to fill the Aadhar Number if you have one.

4. No need to have / affix Photograph in the application form.

5. Submit the duly filled in application form to your banker. They will take care of the rest. Within a week’s time the scheme will be activated.

On-Line Application:

As far I know,  only 4 banks are offering the Online Application for this scheme and links are given below:

1. ICICI Bank:

Service Requests > Bank Accounts > Enroll for Pradhan Mantri Suraksha Bima Yojana
SMS PMSBY <Nominee name> Y to 5676766 from your registered mobile number*.

2. HDFC Bank:

NetBanking > Click on the ‘Insurance’ tab > Select Scheme > Select the SB A/C

3. Kotak Mahindra Bank:

Link: https://www.kotak.com/j1001mp/netapp/MainPage.jsp
SMS SURAKSHA <nominee name> to 5676788

4. SBI:

Login to NetBanking > My Accounts > Social Security Schemes > Select the Scheme & Acc no

How and When to Claim?

The claim can be made only if the member / subscriber died or disabled due to accident before his / her 70 years of age after paying the required premiums.  Keep the below mentioned details before hand while applying for the claim:

1. Day, Date & Time of Accident
2. Place and Exact location where the accident took place
3. Nature of Accident
4. Details of Injury / Exact cause of death
5. Name address & contact details of Hospital / the attending doctor(s)
6. Possible time where the medical officer of the company can visit injured
7. FIR / Death certificate should be obtained

The procedure is explained in the form of Infographic below: 



Claim form can be downloaded from the below link:
http://www.jansuraksha.gov.in/Files/PMSBY/English/ClaimForm.pdf


Key Points to note:

1. This is a one year cover renewable from year to year

2. Cover for the members enrolled after 31st May 2015 will be the prospective period from the date when they enroll to 31st May 2016. But full premium to be paid.

3. The cover is for the period is till the insured attains 70 years of age. No maturity benefit -  if the contingency (Death / disability due to accident) happens before 70 years of age, the claim will be settled, else no return.

4. It should be operated through savings bank a/c only. If the members have more than one savings a/c, he can choose any one savings a/c of his choice.  One policy for one member.

3. Atal Pension Yojana (PENSION SCHEME)

The basic information is presented in the form of Infographic below. 



Indicative Atal Pension Yojana Monthly Contribution Chart (Based on Age):

1. Indicative Contribution Chart for Monthly Pension of `1,000

Age of Entry
Indicative Monthly Contribution (`)
Age of Entry
Indicative Monthly Contribution (`)
18
42
31
126
19
46
32
138
20
50
33
151
21
54
34
165
22
59
35
181
23
64
36
198
24
70
37
218
25
76
38
240
26
82
39
264
27
90
40
291
28
97
29
106
30
116

2. Indicative Contribution Chart for Monthly Pension of `2,000

Age of Entry
Indicative Monthly Contribution (`)
Age of Entry
Indicative Monthly Contribution (`)
18
84
31
252
19
92
32
276
20
100
33
302
21
108
34
330
22
117
35
362
23
127
36
396
24
139
37
436
25
151
38
480
26
164
39
528
27
178
40
582
28
194
29
212
30
231

3. Indicative Contribution Chart for Monthly Pension of `3,000

Age of Entry
Indicative Monthly Contribution (`)
Age of Entry
Indicative Monthly Contribution (`)
18
126
31
379
19
138
32
414
20
150
33
453
21
162
34
495
22
177
35
543
23
192
36
594
24
208
37
654
25
226
38
720
26
246
39
792
27
268
40
873
28
292
29
318
30
347

4. Indicative Contribution Chart for Monthly Pension of `4,000

Age of Entry
Indicative Monthly Contribution (`)
Age of Entry
Indicative Monthly Contribution (`)
18
168
30
462
19
183
31
504
20
198
32
551
21
215
33
602
22
234
34
659
23
254
35
722
24
277
36
792
25
301
37
870
26
327
38
957
27
356
39
1054
28
388
40
1164
29
423

5. Indicative Contribution Chart for Monthly Pension of `5,000

Age of Entry
Indicative Monthly Contribution (`)
Age of Entry
Indicative Monthly Contribution (`)
18
210
31
630
19
228
32
689
20
248
33
752
21
269
34
824
22
292
35
902
23
318
36
990
24
346
37
1087
25
376
38
1196
26
409
39
1318
27
446
40
1454
28
485
29
529
30
577


How to Apply?

We can apply only through off-line mode. To my knowledge, Banks are not offering online application for this Pension scheme.

Off-Line Application (By Submitting Application form in Bank)


2. Fill in the form with the necessary details. Since we already have the account with our banker, this form has very minimal entries to be filled in. It wont take more than 15 minutes to fill this form.

3. Don’t forget to fill the Aadhar Number if you have one.

4. No need to have / affix Photograph in the application form.

5. Submit the duly filled in application form to your banker. They will take care of the rest. Within a week’s time the scheme will be activated.

Key Points to note:

1.The contribution to be made every month.

2. Contributions should be made till 60 years of age.

3. Upon the completion of 60 years, we will have to submit the request to the our bank (Where we opted for this scheme) for drawing the guaranteed monthly pension.

4. One can open only one APY account

5. It should be operated through savings bank a/c only. If the members have more than one savings a/c, he can choose any one savings a/c of his choice.

6. In case of the death of the subscriber after 60 years of age, pension would be available to the spouse and on the death of both of them (subscriber and spouse), the pension corpus would be returned to his nominee.

Once it is done, we will receive an acknowledgement from the bank for all the 3 schemes like the one below: 



For Clarifications and doubts regarding any of the above mentioned 3 schemes, we can contact the toll-free numbers below: 

Pan India toll-free no: 1800110001 / 18001801111
Toll-Free number for TamilNadu: 18004254415

Credits: http://www.jansuraksha.gov.in, Advertisements in TOI, RBI website etc.,

Conclusion:

It’s a wonderful initiative and we should make use of these schemes. For a subsidized premium, they offer reasonable return to land the future in safe hands. Of the 3 above, I personally feel PENSION YOJANA is the best one. 

Voluntary savings for the future has become a history these days. We got used to spend a lot more than what we earn. This pension scheme will surely help those who are working in unorganized sector. They face more risk than those working in organized sector.  Requesting you all to make use of this opportunity and save for the future.  Small drops maketh an ocean, similarly, these small contributions will turn out to be a lumpsum money in the future.

This post is just my observation of the PM Insurance & Pension schemes based on my understanding of the rules prescribed in the Govt website. Feel free to mail me at innovativedeepak87@gmail.com, if you feel that the content is being misinterpreted.  

I should thank my friends Suren Kumar, Pavithra & Rajiv for sharing the information and clarifying my doubts while drafting this blog post. Thanks so much. Thanks to you all for your patience in reading this post.
Let’s make a better tomorrow.