Insurance Activity Act broad popular participation
May 3, 2010
The head of the Organisation of Consumers and Users, Wolfgang Espinel Cardozo considers that this legal instrument will try to close the gap between the weak legal and insurance companies, and that consensus was achieved thanks to the elimination of the keys for entry into private clinics and the figure of the approved workshop
Bill enshrines Insurance Activity and broad popular participation, as regards the president of the Organization of Consumers and Users (OCU Venezuela ), Wolfgang Espinel Cardozo who said that after he called for a debate between citizens and various government agencies and private sector organizations, is trying to bridge the gap between the weak legal and insurance companies.
In fact, welcomes the fact that this legal framework, which will be discussed this week in the plenary of the National Assembly (AN), has a chapter devoted to the presence of people. "This Act restores the rights of consumers," he said.
This Chapter II of Title II, on the Control of Insurance Activity, Article 12, which says exactly: "People have the right to form associations, organizations of popular participation or community organizations, to contribute to the defense of their rights and interests, subject matter of this Act "
also explains in its article 13 that persons who consider that their rights and interests with respect to the insurance business, may submit complaints to respective community councils, associations, organizations of popular participation or community organizations, who will be obliged to investigate the incident and a statement of the facts, which will be forwarded to the Superintendent of Insurance Activity, in order to analyze the situation and impose the respective measures, if applicable. Cardozo
Espinel, argues that it is the consensus of those involved were achieved important issues such as the elimination of the keys for entry into private clinics for insured or beneficiaries, insurance and banking prohibits the figure disappears authorized dealer. MEDICINE IS CONTROLLED
PREPAGADAEsta Insurance Activity Act extends the scope, it is subject to state control, in addition to insurance and reinsurance companies, other legal persons engaged in the activity, such as prepaid medicine companies, premium finance and insurance cooperatives.
Previously, Law of Insurance and Reinsurance, there was no regulation for this activity, which had a very limited within asegurador.Ahora sector, is quite the opposite, increasing state control to maintain, as stated in the preamble, the balance to the subjects covered and the stability of the insurance market.
"Through the Insurance will control the development of the entire insurance industry and will assert the rights of users in insurance, which is crucial to us," said Cardozo Espinel. NEW
CAPITALESOtro vital foundation under this law, is the new capital establecimientto and requirements for the provision of insurance and reinsurance and capital needed to define the legal forms that carry out the activity insurance, such as prepaid medicine companies and capital should have engaged in cooperative insurance business.
also set rules for the constitution of technical reserves and create new types of reserves that benefit the community and individuals. FREEDOM TO CHOOSE AN
has been very clear in stating that the protection of the contractors and policyholders, policyholders and beneficiaries, their rights are established and reflected the fact, to elect the insurance, adequate information, education, instruction and guidance on the acquisition or use of policies or health plans, benefit continuous service, the right to compensation and a notice of rejection on the basis of the facts and law, among others. Inclusions
As important, it highlights the obligation of the insurance companies to offer solidarity and understanding out insurance for these insurance contracts, health plans that cover services to and retirees and pensioners to at and the elderly, the disabled and to the and people with physical and / or mental disabilities and those with incomes up to twenty (25) Tax units, intended to cover serious illnesses, dental services, funeral services and accidents personal inclusion regulation for cooperatives engaged in insurance operations and prepaid medicine companies. RECOMENDACIONESEl
OCU-Venezuela president made a series of recommendations to the Finance Committee of Parliament on the legal text, including the establishment of sanctions against fraud committed by users, or insurance companies, as well as the exclusion or failure payments, without just cause.
addition, insurance companies issue a payment card, with which users can cancel the claims covered by policies in the workshop of your choice. On the other hand, called for revision of the Social Assignments of insurance and as the review of the costs of insurance policies and adjustments of the cost when the user securely provides security systems such as satellite tracking, enabling easier to locate good recovery. Finally, we sought to establish the deadline for the completion of inspections, response and payment of claims.
addition, Espinel Cardozo argued that any policy must protect obesity as a chronic disease that is now a public health problem and diseases that result from this disease like diabetes, hypertension, heart attack , stroke, breast cancer and psycho-social implications such as depression and any others present who have it.
T / Angelica Antia Azuaje F
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