Complaints Management Policy
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1 Complaints Management Policy Janashakthi Insurance PLC and Janashakthi General Insurance Limited. Our Complaints Management Policy is crafted with the objective of all the processes are in place for timely handling of complaints to ensure fair treatment to customers. We value our customer feedback with regard to our products/services and consider their complaints as compliments. Customer feedback is encouraged as an input to our continuous process enhancements and it provides us insights about the quality of services from the perspective of our customers. Customer Complaints Management Unit has been set up for both JIPLC & JGIL dedicated to manage and take care of all our customer enquiries and complaints in order to refine our service delivery to perfection. Complaints are managed by way of giving the opportunity to the complainants to have a fair hearing to their issues by the Customer Complaints Management Unit which ensures that identified service or process lapses through a root cause analysis are managed appropriately with immediate corrective actions and preventive actions taken by the management to minimise or eliminate recurring similar nature of complaints. Our complaints management policy: We shall ensure; 1. Our policy holders/ complainants are fairly treated in the event that they are making a complaint about the services and this is resembled in our corporate culture. 2. Our policyholders are kept informed with clear information about the products or service during the point of pre and post purchase. 3. Our management is highly committed to be accountable to serve each complainant with due care and respect and give a fair hearing to their voice. 4. To continually improve the effectiveness of the Complaint Management System by taking necessary corrective action to prevent recurrence of related disputes. 5. To comply with all statutory and regulatory requirements as per the guidelines of IBSL. Complaints Management Policy & Procedure- Janashakthi Insurance Page 1
2 Customer Complaints Management Procedure Janashakthi Insurance PLC and Janashakthi General Insurance Limited. In the event any of our customers are not satisfied with the manner in which they have been served they are free to contact or write to our Customer Complaints Management Unit, who will make every effort to resolve issues efficiently to the satisfaction of the complainants. The Customer Complaint Management Procedure of Janashakthi Insurance is associated with following guiding principles: 1. How to make a complaint In the event if a customer feels that he/she is dissatisfied with the manner in which they have been served at any of our customer touch points or if our products do not meet their expectation there are many avenues opened to our customers to reach the Complaints Management Unit and make a complaint. Following facilities are made available for complaints to be lodged via several modes; a. By visiting or writing to: The Customer Complaint Management Unit at Janashakthi Insurance Corporate office premises 55/72, Vauxhall Lane, Colombo 02 or by visiting any branch office. b. Direct telephone contact: fax c. to reach us via insurance@janashakthi.com or crm@janashakthi.com, or mobile.janashakthi.com (mobile app) d. Website : customer feedback form available at e. Standard notice board displayed at every front office locations of Head office premises and branch offices with contact numbers/ /fax to reach the Customer Complaints Management Unit Complaints Management Policy & Procedure- Janashakthi Insurance Page 2
3 2. Officers in Charge of Customer Complaints Management: Complaints are being handled by designated officers in the Customer Complaints Management Units at both JIPLC & JGIL which is the focal point of receiving, managing and resolving customer complaints and issues. Officers in charge (1) Melroy Perera Senior Assistant Manager - Life Insurance complaints Janashakthi Insurance PLC 55/72,Vauxhall Lane Colombo /814 (2) S. Ranjan Senior Assistant Manager- General Insurance complaints Janashakthi General Insurance Limited 55/72,Vauxhall Lane Colombo / Language of preference: Customers could make the complaints in Sinhala, Tamil or English and all correspondence with the complainant is followed in the language in which the complaint was made. 4. Documents and information to be produced along with a complaint: Name of policy holder Policy number/vehicle number Contact details/ Description of the complaint -in writing preferably ( /letter/fax) Date of receiving the complaint Category of the insurance -Life, Motor or Non Motor Complaints Management Policy & Procedure- Janashakthi Insurance Page 3
4 5. Complaint handling timelines. a. Acknowledgement of complaints: All complaints are recorded systematically in the Customer Complaints Management System-CCMS, which is an in-house developed application. A reference number for each complaint is provided along with an acknowledgement sent via sms/ or letter within 3 working days. The acknowledgement contains the Reference number and contact details of the person to be contacted in the event customer wants to check the present status of the complaint. b. Complaints are dealt with the relevant process owners/departments and responded within 14 days from the date of complaint to communicate the resolution to the complainants. If the Complaints Management unit is unable to provide a resolution within stipulated 14 day time period the complainant will be kept informed about the extended time required for further investigation. 6. Registering/Recording of Complaints: All complaints received at branches/departments should be forwarded to Complaints Management Officers via or through the CCM system. Each complaint is recorded in the CCM system by the Complaints Management Officers. The system records are maintained with all necessary information on the complaints, including; Name of policy holder Policy number/vehicle number Contact details/ Description of the complaint Date of receiving the complaint Category of the insurance -Life, Motor or Non Motor Date of acknowledgement Status of the complaint - Resolved/pending Date of closing the complaint Date of Resolution/ Resolution Complaints Management Policy & Procedure- Janashakthi Insurance Page 4
5 7. All complaints received are categorized by the nature of the complaint. In the event of a premium fraud related complaint, it will be forwarded to Audit & Investigation Department for further investigation. 8. Staff at Customer Complaints Management Units have been specifically trained to give a fair hearing to customer complaints and handle with optimum care. 9. Ex -gratia claim settlements are arranged in the event if the claim cannot be considered on the normal circumstances given due emphasis to the appeals made by customers. (These ex- gratia settlements are considered on humanitarian grounds and business relationship grounds.) 10. Alternative Dispute Resolution Mechanisms In the event if the customers are not satisfied with the resolution given by us we would advise them to refer their complaint to the Insurance Ombudsman or Insurance Board of Sri Lanka. 11. Post evaluation-analysis of complaints; Complaints are assessed through an in-depth analysis of the issues in a fair and consistent manner and independently by the Customer Complaints Management Unit in order to identify the root cause of the issue, any service gaps and other related factors which have tantamount to the complaint for necessary corrective and preventive action. Customer feedback and complaints are analysed periodically by the Customer Complaints Management Unit and discussed at the General Management Committee for necessary process changes/enhancements. Annexure: Annex 1- Complaints Management Process flow chart 5 th Nov 2016 Complaints Management Policy & Procedure- Janashakthi Insurance Page 5
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