So hello guys and as we all know that the Russian invasion of Ukraine is still going on and the war is taking a really horrible turn. President Putin has a given high alert to the nuclear forces and the nuclear war is creating tensions among the superpowers. Millions of people have left their country and the evacuation of Indian students is still going on it’s like hell in Ukraine at the moment. But recently Ukrainian-only fans model has shared her War horror stories with the subscribers and she is asking for their help. Stay tuned to our website
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The name of the model is Lilu Miller and she is a well-known Ukrainian defence platform and she has been posting a sensual images and exclusive content to to the subscribers. She is famous for posting 18 plus content on social media platforms and now she is requesting subscribers for financial help. Recently in a video she has revealed that she has already escaped from her home after Russia invaded and reached to the capital city e and she had to leave her friends a and her house behind. She is now trying to survive in a small village of with her family and she is a trying to tell the supporters that she is moral lesson in a safe position.
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She also stated that the things are getting more and more out of hands up in the main land area of Ukraine off and she is asking for a tip of 50 dollars everypost. But she has not revealed her location or the name of the village she is currently in. She is surviving with minimal food and she is constantly hearing the sounds of bombings and explosions around her. She is really concerned about the safety of her family and she wants her fans to show some support. It is not in the best interest of humanity that a war is still going on and the sides does not want to find a solution for that.
Who Is Lilu Miller? Instagram & Net Worth
Because in the end it’s the common people who suffer the most and they have to start a new life and they lose their loved ones and family members in the conflict. Russian billionaires are also in great trouble as a various sanctions has been imposed and for an example the owner of Chelsea football club Roman abramovich is sell the club. So everyone and every sector is a affected by this Warfare and the crude oil prices are already on a all time high in 5 years. We hope that this situation will come to an end and let’s make peace not war. So we will be back with some more information regarding the Warfare and we hope that this will end soon and everybody will be safe.
The Irdai is planning to amend insurance rules so that insurers cannot deny lifelong renewal of a personal accident policy provided the policy has been earlier renewed without a break. . As per an exposure draft issued by the Insurance Regulatory and Development Authority of India (Irdai) on February 16, 2022, an insurer will not be able to deny lifelong renewal of a personal accident insurance policy on the grounds of age of policyholder. This is one of the changes proposed in insurance regulat ..
Similarly, if a policyholder wishes to port his insurance policy from one insurer to another then, once the portability form is received, then within 5 days the insurance company shall seek necessary details from the existing insurance company.
The amendment is proposed in order to make the portability of insurance policy a time-bound exercise. Further, insurer companies are encouraged to offer discounts where there is an improvement in the risk profile of policyholder, as per the Irdai draft.
Kapil Mehta, Co-founder, SecureNow says, “The amendments proposed to the IRDA Health Insurance Regulations are of different types. From a policyholder perspective the most important proposals are that personal accident be renewable lifelong, in portability the onus to pull out prior claim information is the insurers’ and insurers are encouraged to give discounts on renewals if a policyholder’s health or other circumstances improve. Currently most personal accident plans have an upper age cap and ..
Changes proposed regarding personal accident policy
“Personal Accident products are also proposed to be brought under the ambit of lifelong renewability in the interest of the policyholders,” said the Irdai in the exposure draft. As per the existing regulation, “Except travel insurance products, personal accident products and Pilot Products referred to in Regulation 2(i) (l) herein, once a proposal is accepted and a policy is issued which is thereafter renewed periodically w ..
The words ‘personal accident products’ are proposed to be deleted from this clause as per the Irdai draft.
Discounts on improvement in risk profile
Similarly, existing regulation is proposed to be modified to encourage insurers to offer discounts where there is an improvement in the risk profile. Currently, in case of improvement of risk profile of customer, only removal of loading is allowed at the time of renewal. Loading is an additional amount added to the insurance premium amount to provide coverage to high-risk customers.
As per the existing regulation, “No Insurer shall resort to fresh underwriting by calling for medical examination, fresh proposal form etc. at renewal stage where there is no change in Sum Insured offered. Provided that where there is an improvement in the risk profile, the Insurer may endeavour to recognise that for removal of loadings at the point of renewal.”
The draft proposes to add the word ‘discount’ in the regulations as follows: No Insurer shall resort to fresh underwriting by calling for medical examination, fresh proposal form at renewal stage where there is no change in Sum Insured offered. Provided that where there is an improvement in the risk profile, the Insurer may endeavour to recognise that for removal of loadings or offering discount at the point of renewal.
Making insurance portability time bound
In order to make insurance policy portability a time bound exercise, timelines have been prescribed for calling for claim details from the existing insurer. Proposed regulation will require the insurance company to collect necessary details such as medical history and claim history of the policyholder from the existing insurance company within 5 days of receipt of portability form.
As per the existing regulation, “On receipt of the Portability Form, the insurance company shall seek the necessary details of medical history and claim history of the concerned policyholder from the existing insurance company. This shall be done through the web portal of the IRDAI.” The current regulation does not provide any timeline for insurance companies to seek details from existing insurance companies of a policy holder in case of portability of policy.
The Irdai has issued the above draft to seek comments from stakeholders in the insurance industry before notifying the proposed changes in the rules.