{"id":3620,"date":"2023-10-27T17:37:04","date_gmt":"2023-10-27T12:07:04","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=3620"},"modified":"2023-10-27T17:48:58","modified_gmt":"2023-10-27T12:18:58","slug":"challenges-to-protect-interest-of-policy-holders-in-digital-form-filling","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/challenges-to-protect-interest-of-policy-holders-in-digital-form-filling\/","title":{"rendered":"Challenges to protect interest of Policy holders in digital form filling"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/challenges-to-protect-interest-of-policy-holders-in-digital-form-filling\/#Ensuring_Transparency_in_Digital_Insurance_Transactions\" >Ensuring Transparency in Digital Insurance Transactions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/challenges-to-protect-interest-of-policy-holders-in-digital-form-filling\/#Bottom_Line\" >Bottom Line<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Ensuring_Transparency_in_Digital_Insurance_Transactions\"><\/span>Ensuring Transparency in Digital Insurance Transactions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Insurance is an offer and acceptance contract which works on the principle of business solicitation through an intermediary as per process below:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Agent \/ broker \/ POS approach a prospect, tell\u00a0 benefits of insurance and solicit business after understanding the need of the prospect and then help to select the right solution.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prospect needs to fill a proposal form under the guidance of an intermediary and this form is sent to underwriters of the Insurance Company. Earlier this form was filled by hand along with signatures of the prospect which confirms that prospect has understood and given all details with honesty. Insurance is a contract of utmost good faith where underwriters would take a decision on the basis of declarations made by prospect. Today 99% of forms are filled digitally and OTP has replaced signatures. Digitally form is filled by an intermediary on his Tablet or system. If a prospect is not comfortable in detailing and English then they will not be able to check the content.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Underwriters assess the risk on the basis of information given in the form and take their decision. Insurance Companies send this filled digital form and demand verification through OTP. OTP is a confirmation that the content of the form is correct. How many customers really go through with a filled form before sharing OTP.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Insurers also use technology to verify all facts through tele calling the customer and ensuring that the sales process was right and no unethical allurement was given . But these verification calls ask basic details and customers to not take it seriously because they are not educated about it.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Insurer sends the Policy document and offers a 15 days free look period to terminate the contract with full refund.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">But these steps have not been able to curb malpractices and Industry is suffering with 36<\/span><span style=\"font-weight: 400;\">th<\/span><span style=\"font-weight: 400;\"> month persistence of around 40% which means\u00a0 60% of policy holders feel cheated and terminate the contract after having losses of premium. With technology advancement and use of\u00a0 artificial intelligence , it was projected that probability of miss selling would reduce.<\/span><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<p><span style=\"font-weight: 400;\">This had happened during days when form was filled by hand.\u00a0 Today, form is filled digitally and throw more challenges as given below:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">There is no signature and form is accepted through OTP . OTP is an acceptance that a prospect has checked the form and verified it. So it is advisable to all that they should not share OTP unless they have checked all details of the form. Mostly, prospects presume that OTP is their agreement to buy and not agreement with contents of the form. It is the duty of the agent to persuade people to check the form but intermediaries with the wrong motive would avoid sharing this important information.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Moreover, signature was important for any service request but OTP creates a problem\u00a0 because all service requests have to be done online. Many old people are not comfortable and change their email frequently. This can also cause many other problems where nominees can be changed without signature and without consent. Hence, it is advisable that email id and password is not shared to avoid any unintended service request. One should also visit the insurer&#8217;s website to verify all facts given in the policy.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Digital form filling is a problem with prospects who are illiterate and do not understand English. Earlier, there was a vernacular declaration which certified that all product features had been explained in language of prospect. This vernacular declaration was done by someone not related to intermediary. Declarer would also certify and sign to confirm that all features were explained. Today, there is only a certification through the same OTP where the product was explained. It does not identify who explained the product. In India, how many people really understand English? This throws many challenges to customers when the insured says that product details were not explained. Hence, it is advised to intermediary as well as prospect that they should take a certificate that product features were explained and the declarer should give their name , address and mobile number.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Digital form filling and payment systems also give scope of third party payment. Earlier payment was made by cheque of proposer having name and signature which used to alarm insurer curbing the chance of third party payment. This opens fear of moral and economic hazard. It is advised to all intermediaries and prospects that a contract can be called invalid in case of third party payment thus defeating the purpose of insurance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In case of Form 2 , where proposer and insured are different, chances of mis- selling\u00a0 is increased because intermediaries can do insurance without seeing life to be insured. Earlier, forms need signature of proposer and insured, if over age 18. Today, one can trap an old person with false promises by making children&#8217;s life to be insured. In such cases, children are not aware about insurance and show their dissatisfaction. It is advised to all prospects that they should take consent of life insured and take a letter that they would continue with insurance in case of death of the proposer.<\/span><\/li>\n<\/ol>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-3621\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/Blogn-1.png\" alt=\"\" width=\"1920\" height=\"1080\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/Blogn-1.png 1920w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/Blogn-1-300x169.png 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/Blogn-1-1024x576.png 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/Blogn-1-150x84.png 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/Blogn-1-768x432.png 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/Blogn-1-1536x864.png 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bottom_Line\"><\/span><strong>Bottom Line<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Intermediary was considered as field underwriter and used to sign that they know the prospect and certify about their health. This was evidence which used to help in case of early death . But under digital form, the role of intermediary is limited thus opening gates of miss selling through distributors with ill motive.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Though digitization is necessary for the simplicity and expansion of insurance, Insurance companies need to take steps to protect the interest of Policy holders.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Public also must be more vigilant and follow the guidelines for their own protection\u00a0<\/span><\/p>\n<p><strong>By- Shailesh Kumar<\/strong><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><strong>Click here<\/strong><\/a>\u00a0to register your complaint with Insurance Samadhan<\/p>\n<p>Visit our website:\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/\">insurancesamadhan.com<\/a><\/p>\n<p>WhatsApp:\u00a0<a href=\"https:\/\/api.whatsapp.com\/send?phone=+919910998252&amp;text=Hi\">\u00a09910998252<\/a><\/p>\n<p>Mail us at\u00a0<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\",\n  \"@type\": \"Article\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.insurancesamadhan.com\/blog\/challenges-to-protect-interest-of-policy-holders-in-digital-form-filling\/\"\n  },\n  \"headline\": \"Challenges to protect interest of Policy holders in digital form filling\",\n  \"description\": \"Discover the challenges and solutions to safeguarding policyholder interests in the digital insurance landscape\",\n  \"image\": {\n    \"@type\": \"ImageObject\",\n    \"url\": \"https:\/\/i0.wp.com\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/Blogn-1.png?resize=1024%2C576&ssl=1\",\n    \"width\": 1920,\n    \"height\": 1080\n  },\n  \"author\": {\n    \"@type\": \"Person\",\n    \"name\": \"Insurance Samadhan\"\n  },\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Insurance Samadhan\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/insurancesamadhan.com\/images\/logo.svg\",\n      \"width\": 224,\n      \"height\": 47\n    }\n  },\n  \"datePublished\": \"2023-10-27\",\n  \"dateModified\": \"2023-10-27\"\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ensuring Transparency in Digital Insurance Transactions Insurance is an offer and acceptance contract which works on the principle of business solicitation through an intermediary as per process below: Agent \/ broker \/ POS approach a prospect, tell\u00a0 benefits of insurance&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/challenges-to-protect-interest-of-policy-holders-in-digital-form-filling\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":14,"featured_media":3622,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[20,322],"tags":[],"class_list":["post-3620","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-claim","category-insurance-problem"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Challenges to protect interest of Policy holders in digital form filling<\/title>\n<meta name=\"description\" content=\"Discover the challenges and solutions to safeguarding policyholder interests in the digital insurance landscape\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.insurancesamadhan.com\/blog\/challenges-to-protect-interest-of-policy-holders-in-digital-form-filling\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Challenges to protect interest of Policy holders in digital form filling\" \/>\n<meta property=\"og:description\" content=\"Discover the challenges and solutions to safeguarding policyholder interests in the digital insurance landscape\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.insurancesamadhan.com\/blog\/challenges-to-protect-interest-of-policy-holders-in-digital-form-filling\/\" \/>\n<meta property=\"og:site_name\" content=\"Insurance Samadhan\" \/>\n<meta property=\"article:published_time\" content=\"2023-10-27T12:07:04+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-10-27T12:18:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/Blogn_thumbnail.png\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"175\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Insurance Samadhan\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Insurance Samadhan\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/challenges-to-protect-interest-of-policy-holders-in-digital-form-filling\/\",\"url\":\"https:\/\/www.insurancesamadhan.com\/blog\/challenges-to-protect-interest-of-policy-holders-in-digital-form-filling\/\",\"name\":\"Challenges to protect interest of Policy holders in digital form filling\",\"isPartOf\":{\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/challenges-to-protect-interest-of-policy-holders-in-digital-form-filling\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/challenges-to-protect-interest-of-policy-holders-in-digital-form-filling\/#primaryimage\"},\"thumbnailUrl\":\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/Blogn_thumbnail.png\",\"datePublished\":\"2023-10-27T12:07:04+00:00\",\"dateModified\":\"2023-10-27T12:18:58+00:00\",\"author\":{\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/#\/schema\/person\/3501a273f6d0751ec1599b632466bc09\"},\"description\":\"Discover the challenges and solutions to safeguarding policyholder interests in the digital insurance landscape\",\"breadcrumb\":{\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/challenges-to-protect-interest-of-policy-holders-in-digital-form-filling\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.insurancesamadhan.com\/blog\/challenges-to-protect-interest-of-policy-holders-in-digital-form-filling\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/challenges-to-protect-interest-of-policy-holders-in-digital-form-filling\/#primaryimage\",\"url\":\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/Blogn_thumbnail.png\",\"contentUrl\":\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/Blogn_thumbnail.png\",\"width\":250,\"height\":175,\"caption\":\"Insurance claim filing\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/challenges-to-protect-interest-of-policy-holders-in-digital-form-filling\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.insurancesamadhan.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Challenges to protect interest of Policy holders in digital form filling\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/#website\",\"url\":\"https:\/\/www.insurancesamadhan.com\/blog\/\",\"name\":\"Insurance Samadhan\",\"description\":\"The most trusted platform for resolution of Insurance Complaints in India\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.insurancesamadhan.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/#\/schema\/person\/3501a273f6d0751ec1599b632466bc09\",\"name\":\"Insurance Samadhan\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/litespeed\/avatar\/5763c1f02104c1ebfa54fdd59afc2467.jpg?ver=1777030254\",\"contentUrl\":\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/litespeed\/avatar\/5763c1f02104c1ebfa54fdd59afc2467.jpg?ver=1777030254\",\"caption\":\"Insurance Samadhan\"},\"url\":\"http:\/\/www.insurancesamadhan.com\/blog\/author\/kanishinsa\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Challenges to protect interest of Policy holders in digital form filling","description":"Discover the challenges and solutions to safeguarding policyholder interests in the digital insurance landscape","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.insurancesamadhan.com\/blog\/challenges-to-protect-interest-of-policy-holders-in-digital-form-filling\/","og_locale":"en_US","og_type":"article","og_title":"Challenges to protect interest of Policy holders in digital form filling","og_description":"Discover the challenges and solutions to safeguarding policyholder interests in the digital insurance landscape","og_url":"https:\/\/www.insurancesamadhan.com\/blog\/challenges-to-protect-interest-of-policy-holders-in-digital-form-filling\/","og_site_name":"Insurance Samadhan","article_published_time":"2023-10-27T12:07:04+00:00","article_modified_time":"2023-10-27T12:18:58+00:00","og_image":[{"width":250,"height":175,"url":"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/Blogn_thumbnail.png","type":"image\/png"}],"author":"Insurance Samadhan","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Insurance Samadhan","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.insurancesamadhan.com\/blog\/challenges-to-protect-interest-of-policy-holders-in-digital-form-filling\/","url":"https:\/\/www.insurancesamadhan.com\/blog\/challenges-to-protect-interest-of-policy-holders-in-digital-form-filling\/","name":"Challenges to protect interest of Policy holders in digital form filling","isPartOf":{"@id":"https:\/\/www.insurancesamadhan.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.insurancesamadhan.com\/blog\/challenges-to-protect-interest-of-policy-holders-in-digital-form-filling\/#primaryimage"},"image":{"@id":"https:\/\/www.insurancesamadhan.com\/blog\/challenges-to-protect-interest-of-policy-holders-in-digital-form-filling\/#primaryimage"},"thumbnailUrl":"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/Blogn_thumbnail.png","datePublished":"2023-10-27T12:07:04+00:00","dateModified":"2023-10-27T12:18:58+00:00","author":{"@id":"https:\/\/www.insurancesamadhan.com\/blog\/#\/schema\/person\/3501a273f6d0751ec1599b632466bc09"},"description":"Discover the challenges and solutions to safeguarding policyholder interests in the digital insurance landscape","breadcrumb":{"@id":"https:\/\/www.insurancesamadhan.com\/blog\/challenges-to-protect-interest-of-policy-holders-in-digital-form-filling\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.insurancesamadhan.com\/blog\/challenges-to-protect-interest-of-policy-holders-in-digital-form-filling\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.insurancesamadhan.com\/blog\/challenges-to-protect-interest-of-policy-holders-in-digital-form-filling\/#primaryimage","url":"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/Blogn_thumbnail.png","contentUrl":"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/Blogn_thumbnail.png","width":250,"height":175,"caption":"Insurance claim filing"},{"@type":"BreadcrumbList","@id":"https:\/\/www.insurancesamadhan.com\/blog\/challenges-to-protect-interest-of-policy-holders-in-digital-form-filling\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.insurancesamadhan.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Challenges to protect interest of Policy holders in digital form filling"}]},{"@type":"WebSite","@id":"https:\/\/www.insurancesamadhan.com\/blog\/#website","url":"https:\/\/www.insurancesamadhan.com\/blog\/","name":"Insurance Samadhan","description":"The most trusted platform for resolution of Insurance Complaints in India","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.insurancesamadhan.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.insurancesamadhan.com\/blog\/#\/schema\/person\/3501a273f6d0751ec1599b632466bc09","name":"Insurance Samadhan","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.insurancesamadhan.com\/blog\/#\/schema\/person\/image\/","url":"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/litespeed\/avatar\/5763c1f02104c1ebfa54fdd59afc2467.jpg?ver=1777030254","contentUrl":"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/litespeed\/avatar\/5763c1f02104c1ebfa54fdd59afc2467.jpg?ver=1777030254","caption":"Insurance Samadhan"},"url":"http:\/\/www.insurancesamadhan.com\/blog\/author\/kanishinsa\/"}]}},"jetpack_featured_media_url":"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/Blogn_thumbnail.png","uagb_featured_image_src":{"full":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/Blogn_thumbnail.png",250,175,false],"thumbnail":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/Blogn_thumbnail-150x105.png",150,105,true],"medium":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/Blogn_thumbnail.png",250,175,false],"medium_large":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/Blogn_thumbnail.png",250,175,false],"large":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/Blogn_thumbnail.png",250,175,false],"1536x1536":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/Blogn_thumbnail.png",250,175,false],"2048x2048":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/Blogn_thumbnail.png",250,175,false],"thumb-small":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/Blogn_thumbnail-50x50.png",50,50,true],"thumb-medium":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/Blogn_thumbnail-250x135.png",250,135,true],"thumb-featured":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/Blogn_thumbnail.png",250,175,false]},"uagb_author_info":{"display_name":"Insurance Samadhan","author_link":"http:\/\/www.insurancesamadhan.com\/blog\/author\/kanishinsa\/"},"uagb_comment_info":0,"uagb_excerpt":"Ensuring Transparency in Digital Insurance Transactions Insurance is an offer and acceptance contract which works on the principle of business solicitation through an intermediary as per process below: Agent \/ broker \/ POS approach a prospect, tell\u00a0 benefits of insurance&hellip; Continue Reading &rarr;","amp_enabled":true,"_links":{"self":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/3620","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/comments?post=3620"}],"version-history":[{"count":5,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/3620\/revisions"}],"predecessor-version":[{"id":3627,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/3620\/revisions\/3627"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/media\/3622"}],"wp:attachment":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/media?parent=3620"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/categories?post=3620"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/tags?post=3620"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}