VLE Insurance Handbook

CSC- RAP Insurance Licensing VLE Handbook

1

Handbook for VLEs on Insurance

Table of Contents INTRODUCTION & STEPS TO BECOME A LICENCED RAP ............................................................. 3

I. 1.

License to CSC SPV ................................................................................................................................... 3

2.

Steps to become a licensed RAP ................................................................................................................. 5

3.

Pre- Licensing Education ........................................................................................................................... 6

4.

Registration for Examination ..................................................................................................................... 6

5.

Results of the Examination ......................................................................................................................... 7

6.

RAP Licence ............................................................................................................................................. 7

7.

One time registration of CSC as study centre.............................................................................................. 8

8.

Registration as a student for Insurance RAP Training ................................................................................ 9

9.

Payment of Examination & Licensing Fees............................................................................................... 11

10.

Online training of student .................................................................................................................... 13

INSURANCE EXAMINATION OF THE VLE ........................................................................................ 16

II. 1.

Examination Process ............................................................................................................................... 16

2.

Procedure to follow for Examination ........................................................................................................ 17

3.

Score Reporting process .......................................................................................................................... 18

4.

Examination Form ................................................................................................................................... 19

5.

Examination centre policies ..................................................................................................................... 20

6.

Examination Security ............................................................................................................................... 20

III. LICENSING OF VLE................................................................................................................................ 21 1.

Licensing Procedure ................................................................................................................................ 21

2.

Suspension / Termination / Replacement of VLE’s at CSC ........................................................................ 21

IV. RAP LOGIN PROCESS FOR INSURANCE SALES & SERVICE ......................................................... 22

V.

1.

How to login on APNA CSC ..................................................................................................................... 22

2.

Wallet Creation Process .......................................................................................................................... 24

3.

Wallet TOP UP Process ........................................................................................................................... 25

4.

Process to do Insurance Transaction ........................................................................................................ 25 REMUNERATION.................................................................................................................................... 27

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I.

INTRODUCTION & STEPS TO BECOME A LICENCED RAP

1. License to CSC SPV The License to CSC e-Governance Services India Limited has been granted on 12th Sept 2013 by Insurance Regulatory and Development Authority (IRDA) to work as an Authorized Intermediary to market specifically approved insurance products through the Rural Authorised Persons (Village Level Entrepreneur’s) under the CSC Scheme of National e-Governance Plan under the IRDA Guidelines on Common Service Centres, 2013. The License permits both Life and Non Life Insurers in India to Market Retail Insurance Policies and Services through Common Service Centers Network. VLE’s in order to solicit insurance sales and service as Rural Authorised person (RAP) of Insurance will have to comply with all the applicable provisions of the Insurance Act , 1938,the IRDA Act,1999, and the rules, regulations, circulars or guidelines, as applicable, issued from time to time. A VLE is licensed to solicit or negotiate an Insurance policy of ‘ALL THE INSURANCE COMPANIES’ with which CSC SPV has an agreement. This facility to market insurance products and offer services near to homes would significantly expand insurance penetration in rural areas. Insurance penetration in India was just 3.96 per cent in 2012.

LICENSING Licensure is the process by which an ‘Authorized Body’ grants permission to individuals to engage in the practice of a particular profession, vocation, or occupation, and prohibits all others from illegally practicing that profession. By ensuring a minimum level of competence, the licensure process protects the general public. The Regulatory Authority establishes the acceptable level of ‘Education’ and determines whether an individual meets that standard by conduct of an ‘Exam’. On the Regulatory Authority satisfying itself that the candidate posses the required standards, a license is granted to the candidate for carrying out Insurance Business.

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The Common Services Center Scheme (CSC) The Common Services Center Scheme is a part of the National e-Governance Plan (NeGP). The Scheme envisages the setting up of 100,000 + ITenabled access points to be implemented in a PublicPrivate Partnership (PPP). The Common Service Centers (CSCs) have been positioned as front end delivery outlets for delivery of Government as well as Private Sector services. The CSC SPV (Special Purpose Vehicle) Under the CSC Scheme, a Special Purpose Vehicle (SPV) has been formed, so that the Government can progressively migrate to an e-Governance platform and enable services through the CSC network.

National Institute of Electronics & Information Technology (NIELIT), (erstwhile DOEACC Society), an Autonomous Scientific Society under the administrative control of Department of Electronics & Information Technology (DeitY), Ministry of Communications and Information Technology, Government of India, was set up to carry out Human Resource Development and related activities in the area of Information, Electronics & Communications Technology (IECT). NIELIT is engaged both in Formal &Non-Formal Education in the area of IECT besides development of industry oriented quality education and training programs in the state-of-the-art areas. NIELIT has endeavored to establish standards in the country's premier institution for Examination and Certification in the field of IECT. It is also one of the National Examination Body, which accredits institutes/organizations for conducting courses in IT in the non-formal sector. 4|P a ge


2. Steps to become a licensed RAP 1. VLE to enroll for the ‘Insurance RAP Training’ as a student 2. VLE to Complete Pre-licensing Education 3. VLE to Pay a fees of Rs 350/- towards Examination & Licencing 4. VLE to register for Examination. 5. VLE to Appear for the Exam on the Scheduled date / Time / Venue 6. VLE to pass the examination. 7. LICENSE by IRDA 8. CSC SPV Signs agreement with VLE for insurance sales 9. Product training by Insurance Companies 10. CSC SPV activates the Insurance services on the screen of Licenced VLE 11. VLE starts selling following insurance a. b. c. d. e. f.

Life Insurance Motor Insurance Crop Insurance Health Insurance Cattle Insurance Personal Accident Insurance etc…

To know more about insurance through CSC SPV you can e-Mail on [email protected] or call at 011-32316992.

Who is an RAP? A Rural Authorised Person (RAP) is an individual who has a license to solicit or negotiate an Insurance Policy with a client on behalf of the insurance companies.

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3. Pre- Licensing Education

1. Registeration: Log on to http://www.cscacademy.org/ a. Register yourself to enroll for the ‘Insurance RAP Training’ as a student. b. Registration is ONLINE on http://www.cscacademy.org/ c. Click on “Join CSC Academy” d. Complete registration form as shown on Page 16 of the document. 2.

Eaxamination Fees:At the time of registration, an amount of Rs 350/- is to be paid towards Examination & Licencing Fee. (Examination fees Rs. 250/- + Licensing fees Rs. 100/-) VLE to pay the Fee for the ‘Exam and Licence’ through your e-wallet with the Apna CSC portal http://www.apna.csc.gov.in/ .

3. Registration Code: VLE as a insurance student will be allotted a ‘Registration Code’ 4. Download the ‘Insurance Pre-Licensing Education Material’ from http://www.cscacademy.org/ using the ‘Registration Code’ allotted to you. a. There are 20 chapters in the ‘Insurance Education Course’ b. Download of chapters is ‘FREE’. c. You can download a maximum of two chapters per day. d. All modules have ‘Self Assesment Test’ at the end of each module e. Practice the Test & Prepare for the Exam. 5. Training Completion: a. The candidate has to download all the twenty training modules and complete the ‘Self assessment test’ at the end of each module b. The candidate shall earn one –hour training credit on successful completion of the self-assessment test for each of the module. c. Candidate will earn 20 credits on completion of all modules, and will be entitled for registration of the exam. d. Certificate of Completion will be provided to the successful candidates from CSC SPV on their respective E-Mail ids and the candidate will now be eligible to appear for RAP examination. 4. Registration for Examination 1. The VLE will be able to register for the Insurance Exam only if he has downloaded all the 20 chapters, and cleared the ONLINE TEST. 6|P a ge


2. A “HALL TICKET” will be issued to you with following details: a. VLE Name b. Roll Number . c. Date and Time of the Exam. d. Venue of the Exam e. Detials of the Examination Center The hall ticket with the above details will be issued to the VLEs who have successfully downloaded the 20 Modules from CSC portal and completed the ONLINE Training. 5. Results of the Examination 1. Appear for exam 2. Results will be published on www.nielit.gov.in and also on the CSC Portals. 6. RAP Licence 1. CSC and NIELIT will send the details of all the candidates who have passed the exam to IRDA in the FORMAT mentioned in the agreement. 2. CSC will send the following documents to IRDA in the SOFT COPY FORMAT along with the License fee of Rs.100/- in respect of all candidates who have passed the exam.  Application Form (Page No16)  Identity Proof  PAN CARD,  Age Certificate,  Educational Qualification proof (Minimum 10 Pass)  Residential proof,  Aadhaar Card & Photo. 3. IRDA will Scrutinize the application 4. On Application complying with all the requirements, IRDA will issue a LICENSE to the VLE to operate as a Rural Authorised Person (RAP) for carrying out Insurance Business for all the Insurance Companies with which CSC SPV has a valid agreement. 5. List of all Insurance Companies which have agreement with CSC SPV will be available on the CSC Portal. To know more about insurance through CSC-SPV you can e-Mail on [email protected] or call at 011-32316992.

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7. One time registration of CSC as study centre Step 1: Go to www.cscacademy.org , under the CSC Corner click on Join CSC Academy

Step 2: For one time registration as a study centre, The VLE of the CSC shall fill their centre details in the online form and submit.

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Step 3: On submission of form, the request to join CSC Academy will go to CSC SPV for approval. Step 4: On approval, VLE will get an e-mail from CSC Academy with the confirmation of registration and login details. Only registered CSCs can offer CSC Academy courses.

8. Registration as a student for Insurance RAP Training Step 5: After the centre is registered, The VLE shall log on to www.cscacademy.org/center by entering his Username & Password as e-mailed to him by CSC Academy:

Step 6: Click on ‘Add student’ under Student Tab

DEMO STUDENT RGSTRATION

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Step 7: Take picture of the student from the web camera by clicking on Take Snapshot, enter the student details in the registration form and click Save & Continue (In case of RAP Insurance training only registered VLEs can enroll as student)

Step 8: Choose ‘Insurance RAP Training’ under the course tab and some additional fields will appear. Enter the information in the fields, by default the Insurance training fees is Rs. 350 and click on save once all the details are filled.

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Step 9: After due verification and confirmation by CSC SPV, you will get an e-mail from CSC academy with the confirmation of registration and login details to start learning the course.

9. Payment of Examination & Licensing Fees Step 10: Go to http://www.apna.csc.gov.in/ . Under the VLE Detailed Services page, click on RAP Insurance Fee (Every VLE in order to become RAP shall pay Rs. 350/-). Out of the Fee collected Rs.100 is towards Licensing Fee & Rs.250 is towards Examination Fee

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Step 11: To pay Rs. 350 as Fees towards Examination & License, the VLE of the CSC shall fill the details in the online form and submit.

Step 12: On the Payment of the Fees by filling all the Fields in the above form the following Receipt will be generated.

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10. Online training of student Step 13: To start learning, you need to visit the following link http://cscacademy.org/student that will redirect you to the login page. Click on Individual login session, then click on Allow and click on Take Snapshot to take the picture of the student. Fill your Username and Password (as e-mailed to you) and click on Login to move ahead.

Step 14: Under ‘My Courses’ tab click on ‘View Modules’.

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Step 15: By clicking on View modules option, you would be able to see all the 20 modules covered under the ‘Insurance RAP Training’ as given below:

Step 16: You have to start learning from Module 1 up to 20. Select and study the modules in serial order. You can download only two modules per day.

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Step 17: Select the module and click on ‘Launch’ you will be able to study the material in the PPT Format and by clicking on ‘Download’ the material will be opened in a PDF Format. Note: You are advised to refer the PDF File of each module before attempting the assessment.

Step 18: After downloading you can now start studying the downloaded module. Step 19: After the completing each module, you must appear for the assessment test by clicking on the assessment option under ‘My Courses’ tab that will open the ‘My Assessment’ window where you need to click on the ‘Launch Assessment’ and attempt the questions.

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Step 20: In each assessment the candidate need to score minimum of 50% to obtain the ‘Training Completion Certificate’ from CSC SPV (Certificate of Completion will be provided to the successful candidates from CSC SPV on their respective E-mail Ids) and the candidate will now be eligible to appear for RAP examination. II.

INSURANCE EXAMINATION OF THE VLE 1. Examination Process 1. The online examination for RAP will be conducted by NIELIT at their centers spread across India, one day every month 2. The last date for online registration, selection of the date and slot for the examination will be 20th of every month to appear in the examination scheduled for the next month. For ex. the last date for online registration is 20th January for the examination to be conducted in second Saturday of February. 3. NIELIT will announce the schedule dates for registration and examination ‘in advance’ on www.nielit.gov.in for the information of the applicant VLE.

Month Jan 2014 Feb 2014 March 2014 April 2014 May 2014 June 2014 July 2014 Aug 2014 Sep 2014 Oct 2014 Nov 2014 Dec 2014

Date of Exam 11th Jan 2014 8th Feb 2014 8th Mar 2014 12th Apr 2014 10th May 2014 14th June 2014 12th July 2014 9th Aug 2014 13th Sep 2014 11th Oct 2014 8th Nov 2014 13th Dec 2014

Last day for Online Registration th 20 Dec 2013 20th Jan 2014 20th Feb 2014 20th March 2014 20th April 2014 20th May 2014 20thJune 2014 20th July 2014 20th Aug 2014 20th Sep 2014 20th Oct 2014 20th Nov 2014

4. VLE who has a valid Training completion certificate (issued by CSC SPV after completion of the training course) will only be allowed to appear for the Exam.

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5. The RAP shall appear for the online examination at the designated NIELIT Centre as per the time slot booked and conveyed by NIELIT / CSC SPV to the candidate on the admit card. The admit card can be downloaded by the VLE from www.nielit.gov.in 6. NIELIT shall inform the candidates about the results of the Exam electronically on the terminals of RAP/ or by mailing the result card / and also make provision for the candidate to download / print the result card for his records from (URL of NIELIT). 7. In case the candidate fails in the examination he / she can reappear for the examination by repaying of examination fee. 8. NIELIT shall transfer the data of the ‘Qualified Candidates’ in the examination to IRDA & CSC SPV electronically after the completion of the exam. 9. The Training Fee shall be remitted by the VLE / RAP through e -Wallet while submitting the application. 10. CSC SPV shall transfer the ‘Exam Fees’ to NIELIT prior to commencement of examination. 11. The License fee along with the Candidates information will be transferred by CSC SPV to IRDA after the candidate’s passes the exam.

2. Procedure to follow for Examination 1. Candidates should report to the test center thirty (30) minutes before the examination and report to the ‘Exam superintendent’. 2. The candidate shall submit the following documents to the ‘Exam superintendent’ i. Examination Form ii. Copy of Identity Card / Aadhar card iii. Copy of PAN CARD, iv. Copy of Age Certificate, v. Copy of Educational Qualification proof (Minimum 10th Pass), vi. Copy of Residential proof, & vii. Original Photograph pasted on the application form.

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3. The ‘Exam superintendent’ of NIELIT shall i. Authorize the VLE to sit for the Exam. 4. Candidates are required to sign a Candidate Rules Agreement form. 5. If the ‘Candidate Rules Agreement is not followed and/or cheating or tampering with the examination is suspected, the incident will be reported as such to the Appropriate Authority for action. The examination fee will not be refunded, the exam may be determined invalid, and may take further action such as prohibiting candidates from retaking the examination and/or denying a license.

6. The time allotted for each examination will be ONE Hour. After the examination time has expired, the examination module will automatically turn off. 7. Candidates will leave the Exam center knowing there status of the result. 3. Score Reporting process 1. The exam will have 100 Questions 2. All questions will be ‘Objective Type Questions’. 3. The passing score for each examination is 35 marks. 4. Candidates who pass the examination will receive a score report that reads “pass” and no numeric score will be reported. 5. Candidates who fail the examination will receive a score report that reads “fail” and no numeric score will be reported.

Examination results are confidential and are released only to the candidate and to the CSC-SPV and IRDA. To ensure confidentiality, NIELIT will not provide score information to any other entity either by letter / email or telephone.

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4. Examination Form

Application for Rural Authorized Person Application for ONLINE Insurance exam by NIELIT

No.

1 2 3 4 5 6

7 8 9 10 11 12 13 14 15 16 17 18 19 20

Particulars of the Candidate VLE OMT ID Course Name Identification Document No

Paste PHOTO here

PAN No Aadhar Number of the VLE if allotted VLE Name

Address

Line 1 Line 2 Village District City PINCODE

CSC Center Code CSC Center Location Father's/Husband Name SCA Name SCA Code Number DOB Gender Educational Qualification Nationality Date Of Enrollment as VLE Email Id Mobile No. Medium In which you would like to attend the exam Agency License Number

21

State whether you already a) An Insurance Agent with Agency License or b) Corporate Agent /Micro Insurance Agent Authorised to solicit Insurance Business (YES or NO)

If “YES” Please mention

_____________________

Validity period of License ______________________

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5. Examination centre policies

The following policies are observed at each EXAM CENTER 1. No personal items are allowed in the testing room. Personal items include but are not limited to cellular phones, hand-held computers/ personal digital assistants (PDAs) or other electronic devices, pagers, bags, coats, books, and/or notes. 2. Calculators are not permitted nor are they necessary for the exam. 3. Candidates must store all personal items in a secure area as indicated by the administrator or return items to their vehicle. The test center is not responsible for lost, stolen, or misplaced personal items. 4. Studying is not allowed in the test center. Visitors, children, family, and/or friends are not allowed in the test center. 5. Dictionaries, books, papers (including scratch paper), and/or reference materials are not permitted in the examination room, and candidates are strongly advised not to bring such materials to the test center. Candidates who violate any of these policies will not be permitted to finish the examination and will be dismissed from the test center; the examination fee shall be forfeited. 6. Examination Security

1. Candidates must NOT leave the testing room for breaks. If a candidate is found to have left the examination center, he/she will not be permitted to proceed with the examination and exam fees may be forfeited. 2. Any candidate found causing a disturbance of any kind, or engaging in any kind of misconduct—giving or receiving help; using notes, books, or other aids; taking part in an act of impersonation;—will be summarily dismissed from the examination and will be reported to the Appropriate Authority. Decisions regarding disciplinary measures will be as decided by the ‘Appropriate Authority’. 3. NIELIT examination administration and examination security standards are designed to ensure that all candidates are given the same opportunity to demonstrate their abilities and to prevent some candidates from gaining an unfair advantage over others because of testing irregularities or misconduct. 4. NIELIT maintains the right to question any examination score whose validity is in doubt because the score may have been obtained unfairly. 5. NIELIT first undertakes a confidential review of the circumstances contributing to the questions about score validity. If there is sufficient cause to question the score, NIELIT will refer the matter to the state authority, which will make the final decision on whether or not to cancel the score. 20 | P a g e


III.

LICENSING OF VLE

1. Licensing Procedure

1. CSC SPV shall transfer the data, application forms and enclosures of the VLEs who are successful in the examination, in digital format agreed, to IRDA electronically after the completion of the exam. 2. NIELIT shall transfer the data of the VLEs who have successfully cleared the examination, in digital format agreed, to IRDA & CSC SPV electronically after the completion of the exam. 3. IRDA shall issue the License online in PDF format to RAP and transfer the data of the licenses issued, to CSC SPV and NIELIT for records. 4. Every VLE shall sign agreement with CSC SPV to solicit Insurance 5. On receipt of the License / data from IRDA, CSC SPV shall enable the RAP’s/ VLE OMT ID for soliciting the approved insurance products. 2. Suspension / Termination / Replacement of VLE’s at CSC

1. The licence of a RAP may be cancelled or suspended without notice, if it is found guilty of fraud, or is convicted of a criminal offence; or commits such defaults which require immediate action in the opinion of the Authority. 2. CSC-SPV shall disable the terminal of the VLE immediately once the VLE (RAP) is terminated or suspended by SCA / CSC SPV and shall not allow him to solicit the approved insurance products or carryout the functions permitted under the Guidelines on Common Service Centers - 2013. 3. Whenever the RAP of the CSC is replaced due to suspension or termination or any other reason, the new VLE inducted by CSC SPV shall undergo the training, examination and licensing process to become a RAP under the guidelines.

RAP is barred from soliciting insurance and offering any other insurance business related services in their individual capacity, in any mode, on behalf of any individual, organization, or insurance company, other than the CSC scheme model.

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IV.

RAP LOGIN PROCESS FOR INSURANCE SALES & SERVICE 1. How to login on APNA CSC

Step 1: Log on at http://apna.csc.gov.in

Step 2: Click on the CSC-Connect Tab

Step 3: Enter CSC ID and Password, click on Authenticate 22 | P a g e

Handbook for VLEs on Insurance Step 4: Enter required data and click on “Next page”

Step 5: Enter required details and click on “Submit Details”

Step 6: VLE will receive an Email and SMS to verify the Email ID & Mobile number.

Step 7: Click on the link given in the Email and Enter the CSC ID and Activation password, received on SMS.

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2. Wallet Creation Process Step 1: Click on the link “click here” to create wallet

Step 2: Click on “Wallet Management” and enter bank details. Step 3: Click on “Create wallet now” Step 4: Confirmation message appears for successful wallet creation Step 5: CSC will also receive wallet password on his Mobile No.

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3. Wallet TOP UP Process Step 1: Click on “Top-up” to Top up wallet Step 2: Select payment Mode Step 3: Enter CSC ID and Amount and click on Recharge Wallet Step 4: Click on “Make Payment” to confirm Step 5: Select Payment option and Card Type Step 6: Fill Bank Details and make payment for wallet top up 4. Process to do Insurance Transaction Step 1: Click on “VLE Service Page” to view all available services

Step 2: Select the service for example: Click on Life Insurance

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Step 3: Select Insurance Co as LIC and click on Premium payment, Enter Customer details, and pay Amount

Step 4: The VLE would be shown a screen with all the policy details with the amount the customer needs to pay.

Step 5: VLE to Enter the Wallet Password and click on submit transaction Step 6: Print Transaction Receipt and hand it over to customer

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V. 





REMUNERATION

The remuneration payable by the Insurer, for the solicitation of policies by the Authorised RAPs shall not exceed the remuneration as specified by the Authority from time to time under Sec. 42-E of the Act. CSC SPV, on receipt of remuneration related to sales / service of Insurance from the insurer, shall distribute o not less than 80% of the same to the respective RAPs o The remuneration to entities such as SCA’s shall be up to 12 % of the same The commission of VLE’s will be paid on a monthly basis by recharging e-wallet of the VLEs.

Note: For any further assistance kindly contact CSC Help desk E-Mail:

[email protected]

Contact No – Technical: 011-32316989 Services: 011-32315641

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VLE Insurance Handbook

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