Sa-Dhan Newsletter Volume 1 Issue 4
Micro-Insurance
FIGURE 1: SEWA's Service Delivery Structure
SEWA
SEWA BANK
COOPERATIVES
Trade Committee
O Extension Counters
Field workers
O
O
Area Leaders
O Area Leaders
Service Centres
O
O
Campaign Committee
O 1,500 Village Saving
Area Leaders
O
O
11 District Offices
Groups
Producers Groups
O
O
Health Care & Childcare
O
Centres
speedy claim disbursement, feedback, and follow-up
9.3 Role of Vimo Aagewans
The field worker is crucial to the success of the social
'tracking'. They assist women in obtaining docu-
security system. The field workers are the link be-
ments and filing their claims. They are the crucial link
tween the institution and the field. They assist in the
between the client (SEWA members) and the service
door-to-door collection of premiums, verifying the
provider.
genuineness of the claims, careful screening of all
documents, and checking information by extension
9. 4 Claim Administration
work. Recently, SEWA has recruited 'Aagewans' who
The claims are processed through the insurance
spearhead teams for insurance work. The social se-
committee, consisting of democratically elected lead-
curity wing of SEWA works closely with other depart-
ers representing different traders and SEWA organiz-
ments like the savings and loan department of the
ers. SEWA organizers are part of the committee. The
SEA Bank or the health cooperatives to educate its
necessary documents for claim processing are given
members about the concept of insurance and risk
in Box 1.
pool.
Box 1: Claim Processing Documents for Insurance
Schemes
Insurance services are delivered through individuals
(leaders, local women, and all SEWA members) called
Vimo Aagewans who undertake promotional and
Documents Required for Reimbursement of
marketing activities throughout the year. A lump sum
Claims
amount for her services is fixed at Rs 50/- per day
to cover for her daily income lost as a result of her
Claim for Health Insurance
insurance work. The Vimo Aagewans' responsibilities
Insurance receipt / FD certificate
are:
Doctor's report (including information on
reason for admission, date of admission and
a. Promotion and Education
discharge date)
Vimo Aagewans provide potential and existing mem-
Medical reports, e.g. blood or stool tests
bers with relevant information on procedures of SEWA
Doctor's prescriptions of drugs
Insurance. Vimo Aagewans actively encourage women
Bills of drug purchases
to enroll and organize small information cum promo-
Bills receipt of hospital expenses
tional training Sessions both in their neighborhoods
and at the SEWA office. They provide the training
Claim for Natural Death
inputs on SEWA Insurance. This is an ongoing activity
Insurance receipt/FD certificate
for which Vimo Aagewans are equipped with literature,
Death certificate
posters and videotapes.
Bills for any funeral expenses (e.g. bills for
wood used for the funeral pyre or the receipt
b. Enrolment
of crematorium)
Vimo Aagewans actively encourage and enroll women
in SEWA Insurance. It is expected that in the year
Claim for Accidental Death
2001-2002, One Vimo Aagewans will enroll at least
Insurance receipt/FD certificate
250 women in the first year or approximately twenty
Original death certificate
women per month. Vimo Aagewans also provide
Bills/receipt for funeral expenses
newly enrolled members with receipt and the entire
Post- mortem report
promotional literature on SEWA Insurance. Vimo
Aagewans ensure client satisfaction by facilitating
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