Thursday, May 20, 2010 - 16:00:02 In further discussion of the draft Insurance Activities Act, plenary discussion forward to the Article 136 of the 189 that contains the rules. The 136 provides as compulsory insurance and health plans Sandra Ayala and Enrique Hernández / Photo: Len {in Molina / Press AN
In continuation of the second discussion of the draft Law on Insurance Activity, the Assembly their national meeting on Thursday approved 97 new items, to be deferred after discussion approved Article 136, which sets a mandatory insurance and health caring.
previously approved section 134, to which "The insurance companies and prepaid health are required to offer and enter into contracts of insurance and health services, which protect the and retirees, pensioners and pensioners, adults and elderly, handicapped and disabled people with physical and / or mental disabilities and those whose income month do not exceed the equivalent of five units Tax (25 UT), designed to protect risks such as illness, dental, funeral services and personal accident.
insurance intermediaries, "he adds - and health plans are required to contribute to the marketing of safe caring and supportive health plans, through a discount on the relevant committees these products, whose share will be determined by the Superintendent of Insurance Activities.
continues the number of insurance policies and health plans, rates and other conditions to the marketing of these products will be established by the Superintendency of Insurance Activity prudential rules, considering among other factors, the proportion of the portfolio of the subject covered in the insurance market.
Superintendent of Insurance Activity, you must also incorporate other types of risks to be covered such as: Agrarian Cooperatives, Popular Communities, Tourism or any other risks that meet Development interests and protection by the State.
companies and prepaid health insurance are obliged to make an annual contribution equal to one percent (1%) of the amount of the premiums of insurance policies and health plans, aimed at the bottom of the National Public Health according to the rules are in effect, Article 134 concludes. Cooperative
Moreover Article 137 states that "The Superintendent of Insurance Activity grant permission to cooperative associations or bodies of integration, to carry on insurance for the benefit of its members, in the branches determined by prudential standards, subject to compliance with the requirements of the law governing cooperative associations, this Act and its Regulations. " On this point
Gonzalo Gualdrón deputy requested that the activity of cooperatives may be made under the law governing and not under the regime of this legislation and to extend its role into other areas, but the deputy Rafic Souki explained that it is necessary that these organizations are supervised by the insurer, since they play a part that relates to this institution. "Because it would be like a dairy farmer, because he is in a cooperative not accountable to the Ministry of Agriculture. "
Deputy Simon Escalona, \u200b\u200bvice president stated that the Finance Committee can not be put at risk because policyholder accepted the suggestion to extend the activity to other areas, it would apply all the requirements for other companies, such as reservation, solvency margin unencumbered assets. "Whereas if limited to its partners would not have to meet very high standards for this type of organization," Congressman Charles
Escarrá said that cooperatives are born in the capitalist world, "is not a socialist institution, but said beyond that are creating social production units and businesses of this kind, "which obviously can not be your action gains, as it would fall under capitalism."
added that we must go further reviewing these activities, believing that the business of insurance is one of the most important of capitalism as a lucrative activity. "One thing is profit and the goodwill and other develop a good or service for a particular segment. I agree to include cooperatives and any form of organization and association of people power ruled by the rules. "
However, after this intervention, applied Escalona defer the item, in order to achieve a consensual approach of "Venezuela's United Socialist Block"
This Thursday Rafic Souki: Venezuela is proposed to eliminate the system of insurance
MP said the bill aims to establish the framework for controlling, monitoring, supervision, licensing, regulation and operation of insurance business in accordance with the law governing the National Financial System
"Venezuela is not raised eliminate insurance system, but we are discussing, for their full approval in the National Assembly (AN), a draft Law on Insurance Activity, given that the present instrument dates from 1994, "he said on Thursday the member of the Finance Committee of the NA, Rafic Souki.
The MP said the AN updates the law of insurance according to the socioeconomic needs of the people. He stressed that legislation should be updated to conform to the current social and economic reality of the Venezuelan people.
The new regulation is a tool that is part of the National Financial System Law.
noted that the bill is to establish the framework for controlling, monitoring, supervision, licensing, regulation and operation of insurance business in accordance with the law governing the National Financial System.
Among the highlights of the Law on Insurance Activities include those relating to the elimination of conditions imposed by the providers of key services such as emergency, the figure of banking insurance and preexisting argument or acquired to reject a policy or coverage of an accident or surgery. Rafic Souki
explained that companies today do not claim at the time of selling the policy any pre-existing diseases, "however, if you have the need to go to a medical facility, they can claim the user on the grounds of pre-existence of diseases or diseases that were acquired prior to the procurement of the policy that the person has a birth defect, "he said.
The deputy added: "They use such arguments do not cover what in the field of insurance is called the claim or the payment of compensation for any medical case."
So the bill that discusses what sets the AN is that the security will rely on the preexistence banned or it is an acquired or congenital disease not to cover the loss to the insured.
The MP mentioned that at this juncture, employers in the industry have argued that this law aims to bring them to an alleged bankrupt.
In developing this bill, members of the Committee on Financial Policy, Banking and Insurance and Finance Committee of the National Assembly consulted the camera ensures that brings together entrepreneurs, and the Insurance Brokers Association ..
also received representatives of clinical and above all to users and users who previously were not consulted by anyone to make such decisions, stressed Souki.
"These entrepreneurs working in a market where conditions put them themselves. However, we now have a government that does not act on the backs of people's needs, and that's as far as they bothers them, so they will argue that fail, "he said.
The deputy said that until the draft Law on Insurance Activity is not approved in its entirety within the assembly and appears published in the Official Gazette, the current legal instrument continues.
On Tuesday, the bill was approved 40 of the 184 articles contained in the instrument.
Another of the highlights of the legislative act which were sanctioned by the National Assembly is the prohibition on insurance claim existing or acquired diseases as grounds for rejection and removal of keys. The practice of asking
password in order to meet a person who attends a emergency is removed through Article 40 of the legal instrument and the Superintendent of Insurance determines, from now on, the procedure to be met when presenting such cases.
Article 40 states: "It is prohibited to the insurance and reinsurance as follows:" Numeral 22: Refusing to grant immediate coverage in emergencies under the contract of insurance for hospitalization, surgery and maternity conditional upon the issuance of keys or access authorizations. "
Upon entering into force the new Law on Insurance Activity, companies involved in the industry should provide health services to all those people that even times were excluded from this system. Text
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Source / ABN
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