Whalesbook
Irdai (Insurance Regulatory and Development Authority of India) ne jo naya executive compensation framework propose kiya hai, uske khilaaf poori insurance industry khadi ho gayi hai. Companies ko lag raha hai ki Irdai ka ye 'prescriptive' approach theek nahi hai.
Is naye plan ke hisaab se, executive ki pay ka 40% tak compensation customer-centric baaton pe depend karega. Jaise ki claims kitni jaldi settle hue aur customer complaints kitni acche se solve hui. Abhi tak pay growth aur profit pe depend karta tha, yeh ekdum alag change hai.
Customer Pe Focus Badha
Irdai chahta hai ki management ko sirf premium growth aur profit se nahi, balki customer service se bhi judge kiya jaye. Ismein claims kitni fast handle hui, customer complaints kitni resolved hui, customer retention kitna hai, loss ratio aur management expenses reduce karne ke efforts sab include hoga. Isse policyholders ke interests ko priority milegi.
Industry Ko Chahiye Flexibility
Lekin, kai insurance companies ne Irdai ko bataya hai ki sabke liye ek hi standard rule kaam nahi karega, kyuki sabke business models aur market position alag hain. Executives ka kehna hai ki agar growth stage mein hain aur investment kar rahe hain, toh expense reduction ya claims handling ke strict targets unhe peeche kheench sakte hain.
Life Insurance Council ne feedback mein suggestion diya hai ki companies ke boards aur remuneration committees ko apne hisaab se customer-focused metrics choose karne ki freedom milni chahiye, na ki rigid rules follow karne paden.
Service Quality Pe Zyada Dhyan
Ye sab discussions tab ho rahe hain jab Irdai claims handling, customer complaint resolution aur distribution costs pe apni nazar tez kar raha hai. Health insurance sector mein yeh zyada dikh raha hai, jahan claims ko lekar disputes badh rahe hain.