XI LOK SABHA DEBATES, Session V (Monsoon)

XI LOK SABHA DEBATES, Session V (Monsoon) 
XI LOK SABHA DEBATES, Session V (Monsoon) Thursday, July 24, 1997/Sravana 2, 1919 (Saka)

*t12
Type of Debate: GOVERNMENT BILLS
Title: Insurance Regulatory Authority Bill,1997. (Not Concluded) Motion for Consideration TEXT : 14.09 hrs

The Lok Sabha re-assembled after Lunch at nine minutes

past Fourteen of the Clock.

(Mr. Deputy-Speaker in the Chair)

THE MINISTER OF FINANCE (SHRI P. CHIDAMBARAM): I beg to move:**

"That the Bill to provide for the establishment of an Authority to protect the interests of holders of insurance policies and to regulate, promote and ensure orderly growth of the insurance industry and for matters connected therewith or incidental thereto be taken into consideration."

With your permission, I would like to make a few brief introductory remarks. As this august House is aware, the Common Minimum Prgramme of the Government stated and I quote:

"We have gained considerable experience in the working of the banking sector.

The said experience will be applied to the restructuring of the insurance industry. But, at the same time, public sector companies like LIC, GIC, etc., will be strengthened. Keeping in view the Common Minimum Programme of the Government, in the Budget speech this year I had proposed certain structural reforms in the insurance sector. Following the announcement of the Budget, LIC and GIC have already been delegated financial powers to make non-scheduled and non-consortium investments without obtaining the prior approval of the Government. I had also announced the intention of the Government to allow LIC to enter into joint ventures in the pension business, and allow UTI to expand its retirement benefit plan into a fullfledged pension fund. In the health insurance sector it was proposed that GIC and its subsidiaries would be permitted to float joint ventures, and a few Indian companies, i.e., Indian-controlled with majority Indian ownership, will be permitted to enter the health insurance business. LIC and GIC would be given the power to determine the terms and conditions of service of its employees and agents.

_____________________________________________________________________________

* Published in the Gaxette of India,Extraodinary,Part-II,Section-2,dt.24/7/97

** Moved with the recommendation of the President.

All these proposals required change in the existing insurance laws. I am also happy to inforfor theiris House that LIC and GIC have been given a full compliment of members with Boards, and both are today Board-managed companies.

Before the aforesaid reforms are implemented, it is necessary to have a strong statutory Insurance Regulatory Authority in position. Such an authority would formulate comprehensive regulations for all the service providers in the insurance industry and monitor their performance on a regular basis in the intthe erest of healthy growth of insurance industry and safeguarding the interest of insuring public. For this purpose, as announced by me in 1996 Budget, I introduced on 20th December, 1996 the Insurance Regulatory Authority Bill to give statutory status to the interim IRA. This Bill was referred to the Standing Committee on Finance for examination. The Standing Committee has since submitted its report to this House on the 9th of May, 1997. The Standing Committee, as you are aware, was composed of 30 Members of this hon. House and 15 Members of the Rajya Sabha. The Standing Committee has made a number of recommendations. I am glad to inform the House that we have accepted all the recommendations made by the Standing Committee. I will introduce the amendments to the Bill in the light of the recommendations which have been accepted by the Government.

Briefly, the following are the major recommendations made by the mittee and, as I said, I am glad to inform the House that we had accepted all the recommendations.

1. The number of whole time members should be increased from three to five. - That has been accepted.

2. At least three whole time members should have not only the knowledge but also possess actual experience of general insurance, life insurance and actuarial science. - An amendment is being introduced to give effect to this provision.

3. The Chairperson/whole time members on completion of their term would be eligible for being considered for further employment in the Authority on the basis of their performance subject, however, to the age limitation. - This is also being accepted.

4. The ineligibility of the Chairperson/whole time members should be restricted to two years after ceasing to be a member of the IRA. - We have accepted that also.

5. The restriction on reemployment should not be limited to private companies alone in the insurance sector but should apply to the entire insurance sector for a period of two years. - That recommendation is also being accepted.

6. The Standing Committee said that the Chairperson should also have the power of general superintendence and direction of the Board and may also exercise all powers and do all acts and things which may be exercised or done by the Board. - We have accepted this recommendation and we are giving to the Chairperson the power of general superintendence and direction in administrative matters. For the quasi-judicial matters, the Board has to act as a collective body. We do not think that there will be an emergency requiring a quasi-judicial decision where the Chairperson has to act alone. Therefore, we are accepting this recommendation giving the power of general superintendence and direction on administrative matters to the Chairperson. On quasi-judicial matters, we would like the body to act collectively, sitting together.

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7. The Members of the IRA, on ceasing to be members, should not be permitted to join companies where insurance funds are deployed. Insurance funds today are deployed in the form of equity, in the form of project finance and in the form of loans and these run into 1500 companies between Lwill be and GIC. Therefore, if we accept this recommendation, we are virtually closing the door to employment of these people.

In another part of the Report, the Committee said that they must not be debarred, they must be allowed to take up employment after two years. Once I accept that recommendation, if I accept this also, virtually all employment will be closed because LIC and GIC today are major investors and I am told there are about 1460 companies. So, we are unable to accept this recommendation. But we can discuss this matter during the course of the debate. There are minor changes which were recommended by the Committee. We have accepted all those recommendations.

In all fairness, I must point out, there is a note of dissent by one Member of the Rajya Sabha to the Report. But I take it that the note of dissent is reflective of the fact that there was a full discussion in the Committee; that all aspects were considered; all sections were given a full opportunity to give their views; and if at the end of such detailed deliberations if all the Members of the Committee embracing all political parties, have subscribed to the majority Report and only one hon. Member has expressed the dissent, I think, that is democracy in full play and I would urge all hon. Members who represented other parties on the Committee to support this Bill.

I am confident that in the course of the debate I will make every effort to persuade even that Member to agree to the changes that we are making. But I would expect all hon. Members who represented their parties on the Committee, 44 other Members of the Committee who have supported this Bill - to support this Bill.

Sir, I my pointes out that LIC today operates in several countries abroad. It has branches in London, Mauritius and Fiji. It has entered into an international joint venture in Bahrain which carries on activities in Saudi Arabia, Kuwait and Bahrain. In Kenya, GIC and LIC together have a joint venture under the name, Kenindia. Similarly, GIC has a large number of subsidiaries abroad and is operating abroad. In fact, they are directly operating in 18 countries and they are operating through subsidiary and associate companies in 14 countries. So, we are in the process of building LIC and GIC into international companies and that is the way in which insurance sector will grow in the future. And I think we must also prepare for such growth in India and the first step towards that is to give statutory powers to the non-statutory IRA which is today functioning, which was set up by the previous Government. It is functioning as a non-statutory body but the time has come to empower that body and give it statutory powers.

With these remarks, I would commend the Bill to this House along with the amendments recommended by the Committee which the Government has accepted. I would on. Members to cooperate and pass this Bill.

MR. DEPUTY-SPEAKER:

Motion moved:

The time recommended for discussion by the Government is three hours.

SHRI THAWAR CHAND GEHLOT (SHAJAPUR):

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SHRI P. CHIDAMBARAM: I did not attend any conference recently.

SHRI THAWAR CHAND GEHLOT (SHAJAPUR):

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SHRI P. CHIDAMBARAM: Who hat Conference?

SHRI THAWAR CHAND GEHLOT (SHAJAPUR): Chariman and MD.

SHRI P. CHIDAMBARAM: The interpretation is saying something like NDF.

SHRI THAWAR CHAND GEHLOT (SHAJAPUR):

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