Burqa Ban in France - A nice debate worth watching - Shattering the imaginary lies

Please click the following link to view the debate.


http://www.youtube.com/watch?v=kWJRam64dQY&feature=youtube_gdata_player

Punishment in the School - Against the motion

The first argument against is that punishment is in gross violation of a child's right of human dignity and physical integrity. It threatens the very foundation of principles of protection under the universally guaranteed right of protection.

Historically, it has been proven that these kids lack the general creative sense and ability to explore as compared to a kid, wherein freedom of expression holds more importance.

Understanding Implications of School Punishment

In fact, in most of the countries where punishment in schools go unchecked, teachers have actually stopped understanding child psychology.

Spanking, in case of any misbehavior, may be an easy way out for the teachers to reign in the moment but its larger implications on the psyche of a kid can be devastating.

Every action of children in their formative years is not a result of the own liberalized thinking.

Teachers and even parents must understand that the kids behavioral problems is an influence and reflection of the social circumstances, which are impressed on him.

This society is the very community of which the teacher is very much a part. Therefore, a reasoned approach for dealing with student issues, no matter how time consuming or brain storming it is, must be the way of dealing.

Corporal Punishment Effects

By hitting a child, a teacher is demonstrating his severe inability to deal with the situation in a reasoned way.

For instance, in one school, a teacher used to regularly punish a student for coming to school dressed shabbily. The kid, who was a grade 4 student, also did not seem to budge. Everyday the same scene was repeated. The child entered the campus and the teacher, who was in charge of the discipline, and himself a strict 'adherent' of school rules, beat the child daily. The child never protested and even though angered and in pain, yet would bear the pain, without divulging the reason for his habit.

On a brief inquiry by the principal, it came to light that the child had lost his mother and his father was a big drunkard. There was no one at his home, who could dress him up for school. The father, was always lying around the house in a state of filth and the child somehow managed to get ready and come to school on his own. This incident points the lack of understanding exhibited by the teacher in dealing with the kid. It is very important for teachers to understand that a child's habit, is essentially a reflection of his environment. Therefore, before addressing child shortcomings, it is high time we introspect the factors influencing unwanted behavior in children.

The essential point to understand is that, any learning mind is bound to make mistakes. It is our patience and understanding that helps children learn in the right environment and become responsible citizens of the land.

Excess and or Deductible

Query - I had a query whether the terms used such as Excess and Deductible are different?

Reply - After doing the following research from various sources, I can say that Excess and Deductible are one and same and can be used synonymously. Differing opinions welcome.

"In an insurance policy, the deductible (also known as 'excess' in some countries, especially the United Kingdom) is the portion of any claim that is not covered by the insurance provider. It is the amount of expenses that must be paid out of pocket before an insurer will cover any expenses. The first commercial insurance deductible was introduced by Norman Baglini in 1952.[1] It is normally quoted as a fixed quantity and is a part of most policies covering losses to the policy holder. The deductible must be paid by the insured, before the benefits of the policy can apply. Typically, a general rule is: the higher the deductible, the lower the premium, and vice versa.

Deductible

The amount of any claim which is the responsibility of the Insured and which the insurer will deduct from any claim payment. Often this is referred to as an excess. Sometimes deductibles are voluntary and a premium discount allowed. Sometimes they are imposed by insurers as an underwriting requirement to avoid large numbers of small claims and their associated administration costs.

Insurers provide a deductible in a motor insurance so that from every claim this amount is deducted irrespective of the claim quantum. In some policies this is a compulsory deductible depending on the type of car. In some cases a deductible is imposed because of adverse claim experience. In some case the insured is given an option of providing for a deductible. These deductibles are also known as excess - compulsory excess, imposed excess or voluntary excess.

Insurance Industry in India and its history in India

Insurance Industry in India and Insurance History in India 

 

INDIAN INSURANCE INDUSTRY:

Insurers
Insurance industry, as on 1.4.2000, comprised mainly two players: the state insurers:

 

Life Insurers:
Life Insurance Corporation of India (LIC)

 

General Insurers:

 

General Insurance Corporation of India (GIC) (with effect from Dec'2000, a National Reinsurer)

 

GIC had four subsidary companies, namely ( with effect from Dec'2000, these subsidaries have been de-linked from the parent company and made as independent insurance companies.

 

1. The Oriental Insurance Company Limited  
2. The New India Assurance Company Limited
3. National Insurance Company Limited
4. United India Insurance Company Limited.

 Yr: 2000-2001 : ( From 2nd April '2000 to 31st December'2001)

 

Insurance Industry in the year 2000-2001 had 16 new entrants, namely:

 

Life Insurers:
S.No.
Registration
Number
Date of Reg.
Name of the Company

 

1

 101

23.10.2000

 HDFC Standard Life Insurance Company Ltd.

 

2
104
15.11.2000
Max New York Life Insurance Co. Ltd.

 

3
105
24.11.2000
ICICI Prudential Life Insurance Company Ltd.

 

4
107
10.01.2001
Kotak Mahindra Old Mutual Life Insurance Limited.

 

5
109
31.01.2001
Birla Sun Life Insurance Company Ltd.

6

110

12.02.2001
Tata AIG Life Insurance Company Ltd.

 

7
111
30.03.2001
SBI Life Insurance Company Limited .

 

8
114
02.08.2001
ING Vysya Life Insurance Company Private Limited 

 

9
116
03.08.2001
Bajaj Allianz Life Insurance Company Limited

 

10
117
06.08.2001
Metlife India Insurance Company Ltd.

 

General Insurers :

 

S.No.
Registration Number
Date of Registration
Name of the Company

 

1
102
23.10.2000
Royal Sundaram Alliance Insurance Company Limited

2
103
23.10.2000
Reliance General Insurance Company Limited

 

3
106
04.12.2000
IFFCO Tokio General Insurance Co. Ltd

 

4
108
22.01.2001
TATA AIG General Insurance Company Ltd.

 

5
113
02.05.2001
Bajaj Allianz General Insurance Company Limited

 

6
115
03.08.2001
ICICI Lombard General Insurance Company Limited.

 

Yr: 2001-2002 : ( From 1st Jan 2001 to Dec. 2002)

 

Insurance Industry in this year, so far has 5new entrants; namely 

 

Life Insurers:

 

S.No.
Registration
Number
Date of Reg.
Name of the Company

 

1
121

03.01.2002

Reliance Life Insurance Company Limited. 

 

2
122
14.05.2002
Aviva Life Insurance Co. India Ltd.

General Insurers :

S.No
Registration Number
Date of Registration
Name of the Company

 

1
123 15.07.2002 Cholamandalam General Insurance Company Ltd.

 

2.
124 27.08.2002 Export Credit Guarantee Corporation Ltd.

 

3.
125 27.08.2002 HDFC-Chubb General Insurance Co. Ltd.

 

Yr: 2003-2004 : ( From 1st Jan 2003 till Date)

 

Insurance Industry in this year, so far has 1 new entrants; namely

 

Life Insurers:

  

S.No.
Registration
Number
Date of Reg.
Name of the Company

 

1
127
06.02.2004
Sahara India Insurance Company Ltd.

 

Yr: 2004-2005 :

  

Insurance Industry in this year, so far has 1new entrants; namely

  

Life Insurers:

 

S.No.
Registration
Number
Date of Reg.
Name of the Company

 

1 128

 

17.11.2005
Shriram Life Insurance Company Ltd.

  

Yr: 2006-2007 :

 

Insurance Industry in this year, had 1new entrants; namely

 

Life Insurers:

 

S.No.
Registration
Number
Date of Reg.
Name of the Company

 

1 130

 

14.07.2006 
Bharti AXA Life Insurance Company Ltd.

 

Yr: 2007-2008 :

  

Insurance Industry in this year, had 5 new entrants; namely

 

Life Insurers:

  

S.No.
Registration
Number
Date of Reg.
Name of the Company

  

1 133 04.09.2007 Future Generali India Life Insurance Company Limited

 

2 135  19.12.2007  IDBI Federal Life Insurance Company Ltd.

 

General Insurers:

 

3 131 03-08-2007 Apollo Munich Health Insurance Company Limited

 

4 132 04-09-2007 Future Generali India Insurance Company Limited

 

5 134 16-11-2007 Universal Sompo General Insurance Company Ltd.

 

 

Yr: 2008-2009 :

 

 Insurance Industry in this year, so far has 3 new entrants in Life and 1 new entry in General ; namely

 

Life Insurers;

 

S.No.
Registration
Number
Date of Reg.
Name of the Company

  

1 136 08.05.2008 Canara HSBC Oriental Bank of Commerce Life Insurance Company Ltd.

 

2 138  27.06.2008  Aegon Religare Life Insurance Company Ltd.

 

3 140 27.06.2008 DLF Pramerica Life Insurance Company Ltd.

 

4 142 Star Union Dai-ichi Life Insurance Co. Ltd.,

 

5 143 05.11.2009 IndiaFirst Life Insurance Company Ltd.

 

  

General Insurers:

 

S.No.
Registration
Number
Date of Reg.
Name of the Company

 

 

 

1 137 8.05.2008 Shriram General Insurance Company Limited,

 

2 139 27.06.2008 Bharti Axa General Insurance Company Ltd.

 

3 141 15.12.2008 Raheja QBE General Insurance Co. Ltd 

 

INSURANCE BUSINEES:

 

ance business is divided into four classes :

 

 

 

1) Life Insurance 2) Fire Insurance 3) Marine Insurance and 4) Miscellaneous Insurance.

 

 

 

Life Insurers transact life insurance business; General Insurers transact the rest.

  

No composites are permitted as per law.

 

LEGISLATION (as on 1.4.2000):

 

Insurance is a federal subject in India. The primary legislation that deals with insurance business in India is: 
Insurance Act, 1938, and Insurance Regulatory & Development Authority Act, 1999.

INSURANCE PRODUCTS (as on 1.4.2000) (for latest information get in touch with the current insurers – website information of insurers is provided at the web page for insurers ):

  

Life Insurance:

 

Popular Products: Endowment Assurance (Participating), and Money Back (Participating). More than 80% of the life insurance business is from these products.

 

General Insurance:

  

Fire and Miscellaneous insurance businesses are predominant. Motor Vehicle insurance is compulsory.

 

Tariff Advisory Committee (TAC) lays down tariff rates for some of the general insurance products (please visit website of GIC for details )

2001
New products have been launched by life insurers. These include linked-products. For details, please visit the websites of life insurers.

 

INFORMATION
About the insurance industry, the following documents may be helpful:

 

Malhotra Committee Report (The Report of the Committee on Reforms in the Insurance Sector);

 

IRDA's First Annual Report - 2001

 

CUSTOMER PROTECTION:

 

Insurance Industry has Ombudsmen in 12 cities. Each Ombudsman is empowered to redress customer grievances in respect of insurance contracts on personal lines where the insured amount is less than Rs. 20 lakhs, in accordance with the Ombudsman Scheme. Addresses can be obtained from the offices of LIC and other insurers.

 

Congratulations to India for winning the ICC Cricket World Cup - 2011



Published by Gulf News Daily on 05/04/2011

















Congratulations to Indian cricket team led by M. S. Dhoni for winning the World Cup-2011.  Their win against Pakistan showed them the way forward.

The winning has re-kindled the passion for cricket.  The fans of Indian team at Wankhede stadium and around the world were very happy and jubiliant. A moment on platter to celebrate. The score of 274 was not bad. Finally a well deserved win for India and the better team has won the match.

Srilanka score 274 in 50 overs. India 277 for 4 in 48.2 overs.

The following are the team members of Indian team led by M. S. Dhoni.

1. MS Dhoni

2. Virender Sehwag

3. Gautam Gambhir

4. Yuvraj Singh

5. Suresh Raina

6. Sachin Tendulkar

7. Virat Kohli

8. Yusuf Pathan

9. Harbhajan Singh

10. R. Ashwin

11. Piyush Chawla

12. Ashish Nehra

13. Zaheer Khan

14. Munaf Patel

15. Praveen Kumar