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310-324 Research Article Digital Transformation in Indian Insurance Industry
Turkish Journal of Computer and Mathematics Education Vol.12 No.4 (2021), 310-324 Research Article Digital Transformation In Indian Insurance Industry 1Ramesh Kumar Satuluri, 2Raavi Radhika 1Research Scholar, Department of Management, GITAM University, Hyderabad 2Associate Professor, Department of Management, GITAM University, Hyderabad Article History: Received:11 January 2021; Accepted: 27 February 2021; Published online: 5 April 2021 ABSTRACT : This paper titled “Digital Transformation in Indian Insurance Industry” is an attempt to give deep insights to all the readers on digital transformation in insurance space. Technological innovations are extensive and all encompassing. Disruptions are not industry specific and insurance industry is no exception to this. Recently regulator published a draft regulation on sandbox concept, which permits carriers to innovate their offering to end user. This is led by fintech and insure tech companies and carriers have structured digital boards to take this revolution forward.Major findings of this paper are usage of block chain technology and data security in insurance industry. With companies constituting digital boards, pandemic has only acted like a tailwind for the digital push wherein entire sales process is migrated to digital way of selling. This move has a multiplier effect on customer reach, cost efficiency and service precision. Customers who are keen to have the best in terms of technological innovation will be delighted with the advancement in digital transformation.Also with big data and analytics, we are coming back to risk based pricing, which is proportionate to the risk borne by the customer. This is still evolving in life insurance as the deployment of wearables is at a nascent stage.Newer technologies like AI and machine learning are facilitating companies register higher growth both on cross and upsell opportunities. -
PC22 Doc. 22.1 Annex (In English Only / Únicamente En Inglés / Seulement En Anglais)
Original language: English PC22 Doc. 22.1 Annex (in English only / únicamente en inglés / seulement en anglais) Quick scan of Orchidaceae species in European commerce as components of cosmetic, food and medicinal products Prepared by Josef A. Brinckmann Sebastopol, California, 95472 USA Commissioned by Federal Food Safety and Veterinary Office FSVO CITES Management Authorithy of Switzerland and Lichtenstein 2014 PC22 Doc 22.1 – p. 1 Contents Abbreviations and Acronyms ........................................................................................................................ 7 Executive Summary ...................................................................................................................................... 8 Information about the Databases Used ...................................................................................................... 11 1. Anoectochilus formosanus .................................................................................................................. 13 1.1. Countries of origin ................................................................................................................. 13 1.2. Commercially traded forms ................................................................................................... 13 1.2.1. Anoectochilus Formosanus Cell Culture Extract (CosIng) ............................................ 13 1.2.2. Anoectochilus Formosanus Extract (CosIng) ................................................................ 13 1.3. Selected finished -
Curriculum & Syllabus Bachelor's Programme In
ST. TERESA’S COLLEGE, ERNAKULAM (AUTONOMOUS) CURRICULUM & SYLLABUS BACHELOR’S PROGRAMME IN BOTANY CHOICE BASED CREDIT AND SEMESTER SYSTEM (CBCSS) DEPARTMENT OF BOTANY OBJECTIVES OF THE PROGRAMME The curriculum for the B. Sc. Programme in Botany has been designed with an aim of encouraging the broad instructional goals and to support the growing demands and challenging trends in the educational scenario. It targets at providing an environment that encourages, promotes and stimulates the intellectual, professional and personal development of the student. The curriculum caters to the all-round development of the student, rolling out globally ready individuals into the fast pacing world. The specific objectives of the program are as follows: • Know the importance and scope of the discipline • Inculcate interest in and love of nature with its myriad living forms • Impart knowledge of Science as the basic objective of Education • Create a scientific attitude to make students open minded, critical and curious • Develop the ability to work hard and make students fit for society • Expose students to the diversity amongst life forms • Develop skill in practical work, experiments, equipments and laboratory use along with collection and interpretation of biological materials and data • Make them aware of natural resources and environment and the importance of conserving it. • Develop the ability for the application of acquired knowledge in various fields of life so as to make our country self sufficient • Appreciate and apply ethical principles to biological science research and studies SEMESTER I Curriculum and syllabus 2015 admissions onwards Bachelor’s Programme in Botany, St. Teresa’s College (Autonomous), Ernakulam CORE COURSE 01 BO1B01TB: PLANT DIVERSITY, MICROBIOLOGY AND PHYCOLOGY COURSE CODE BO1B01TB TITLE OF THE COURSE PLANT DIVERSITY, MICROBIOLOGY AND PHYCOLOGY SEMESTER IN WHICH THE COURSE IS 1 TAUGHT NO. -
Ethnomedicine of the Chellipale Community of Namakkal District, Tamil Nadu
Indian Journal of Traditional Knowledge Vol. 4(4), October 2005, pp. 437-442 Ethnomedicine of the Chellipale community of Namakkal district, Tamil Nadu P S Udayan, Sateesh George, Thushar K V and Indira Balachandran* Centre for Medicinal Plants Research (CMPR), Arya Vaidya Sala, Kottakkal Changuvetty, Kottakkal 676 503, District Malappuram, Kerala E-mail: [email protected]; [email protected] Received 21 July 2004; revised 24 May 2005 The paper enumerates the traditional uses of some plants used by the Chellipale community near Kolli hills of Namakkal district, Tamil Nadu. Medicinal uses of 51 plants belonging to 36 families as gathered from the tribal along with their botanical identity are highlighted in this paper. Key words: Medicinal plants, Chellipale community, Kolli Hills, Ethnomedicine, Tamil Nadu IPC Int. Cl.7: A61K35/78, A61P1/02, A61P1/04, A61P1/06, A61P1/08, A61P1/14, A61P11/00, A61P11/14, A61P13/00, A61P13/02, A61P13/04, A61P15/10, A61P17/00, A61P17/14, A61P19/00, A61P19/02, A61P29/00, A61P31/00, A61P39/02 Medicinal plants provide an efficient local aid to of the Talaghat stretch and eastward of the hill lies in healthcare and disease free life. Traditional Pachamalai. A broad valley divides Kolli hill and ethnomedicinal studies have in recent years received Patchamalai. Kolli hill on the western, eastern and much attention due to their wide local acceptability southern sides appears abruptly from the plains and and clues for new or lesser-known medicinal plants.1 on the northern side ascends to the plains by Over 16,000 species of higher plants are reported to numerous long and gently sloping spurs. -
ARYA VAIDYA SALA, KOTTAKKAL Kottakkal-676 503, Malappuram Dist
VAIDYARATNAM P.S. VARIER’S ARYA VAIDYA SALA, KOTTAKKAL Kottakkal-676 503, Malappuram Dist. Kerala, India. Tel: 0483-2808000, 2742216-19 Fax: 0483-2742572, 2742210 E-mail: [email protected] Website: www.aryavaidyasala.com Vaidyaratnam P.S. Varier ESSAY COMPETITION FOR “VAIDYARATNAM P.S. VARIER AWARD” - 2021 Rules and Regulations 1. The award is known as “Vaidyaratnam P.S. Varier Award”. 2. The subject for the Essay Competition is “Clinical application of Rasayana in modern times”. 3. Two prizes, the first prize of Rs. 25,000/-, and a second prize of Rs. 15,000/- will be awarded to the authors of the best two essays according to the order of merit adjudged by a committee of judges appointed by Arya Vaidya Sala. If more than one essay is recommended for the first place, then the entire sum of Rs. 40,000/- (amount for I and II prizes) will be divided equally between the two contestants and there will be no second prize as such. In case of a similar instance regarding the second prize, Rs. 15,000/- earmarked for the second prize will be divided equally between the two contestants. 4. The essay must be prepared in English or Malayalam, based on Ayurvedic principles. It must cover at least 15,000 words and should not be more than 22,000 words. It should be in Times New Roman 12 size font in A4 pages. (tables and pictures extra). The essays must be neatly typewritten on one side of the paper. An abstract not exceeding 800 words with the index of all references made in the essay with page numbers of the books concerned must be appended to each copy of the essay. -
Memoirs of Vaidyas the Lives and Practices of Traditional Medical Doctors in Kerala, India (8)*
Memoirs of Vaidyas The Lives and Practices of Traditional Medical Doctors in Kerala, India (8)* TSUTOMU YAMASHITA** Kyoto Gakuen University, Kyoto, Japan P. RAM MANOHAR AVT Institute for Advanced Research, Arya Vaidya Pharmacy, Coimbatore, India MADHU K. PARAMESWARAN Vaidyaratnam P. S. Varier Ayurveda College, Kottakal, India Abstract This article presents an English translation of an interview with a doctor of traditional Indian medicine (Āyurveda), R*** T*** (1920 ~ 2010) in Kerala, India. The contents of the interview: 1. History of the Family, 2. Primary Edu- cation, 3. Getting a Job, 4. Career Change to Āyurveda, 5. Texts of Āyurveda, 6. Commentary on the texts of Āyurveda, 7. Education of Āyurveda, 8. Modern Āyurveda, and Bibliography. Key words Ayurveda, Traditional Indian Medicine, Kerala * We would like to express our deepest gratitude to Vaidya R*** T*** for accepting our interview and to his family for allowing the translation to be published. We are very sorry we could not publish this article during Vaidya R*** T***ʼs lifetime. ** Author for correspondence. Address: 1-1 Nanjo Otani, Sogabe-chou, Kameoka-shi, Kyo- to-fu, 621-8555 Japan. E-mail: [email protected] eJournal of Indian Medicine Volume 8 (2015), 33–60 34 TSUTOMU YAMASHITA, P. RAM MANOHAR & MADHU K. PARAMESWARAN Introduction We would like to introduce here an English translation of one of our interviews. The interviewee, R*** T*** (1920 ~ 2010) is a physician and scholar of tradi- tional Indian medicine (Āyurveda). We have made every attempt to prepare a literal translation of the interview. However, in order to promote understanding, we have organized the stories by topic and gave detailed explanations in the footnotes. -
2019 B.Sc. Botany Curriculum and Syllabi FINAL Pos and Psos Cos
SACRED HEART COLLEGE (AUTONOMOUS), THEVARA KOCHI, KERALA, 682013 CURRICULUM AND SYLLABI CHOICE BASED CREDIT AND SEMESTER SYSTEM (CBCSS) UNDERGRADUATE PROGRAMME IN BOTANY (B.Sc. BOTANY - MODEL I) INTRODUCED FROM 2019 ADMISSION ONWARDS BOARD OF STUDIES IN BOTANY Sacred Heart College, Thevara, Kochi, Kerala B.Sc. Botany Programme – Curriculum and Syllabi 2019 CONTENTS Sl. No. Page No. 1 Forward 03 2 Members of the BoS in Botany 05 3 Curriculum 06 4 Grievance Redressal Mechanism 24 5 B.Sc. Botany Programme Outcomes (POs) 25 6 Syllabus of Core Courses 26 7 Pattern of Question Papers 77 8 Model Question Papers Core (Theory) 78 9 Model Question Papers Core (Practical) 92 10 Syllabus of Complementary Courses 104 11 Model Question Papers (Compl. Theory) 113 12 Model Question Papers (Compl. Practical) 117 BoS in Botany, Sacred Heart College, Thevara : Page 2 B.Sc. Botany Programme – Curriculum and Syllabi 2019 BoS in Botany, Sacred Heart College, Thevara : Page 3 B.Sc. Botany Programme – Curriculum and Syllabi 2019 FORWORD Science is a study dealing with a body of facts or truths systematically and the base of all developments in the world is because of practical application of science, i.e. technology. The creation of a scientific thinking in society necessitates proper education and guidance. In order to achieve this, one must update the developments in every field of science. To achieve this goal, the curriculum of every programme in science should be revised frequently to incorporate the recent advances in science. In line with the changes in higher education, the state of Kerala had introduced the autonomy in its 13 selected colleges in 2014. -
Innovation System and Increasing Reformulation Practices in the Ayurvedic Pharmaceutical Sector of South India
asian medicine 9 (�0�4) �36–�7� brill.com/asme Innovation System and Increasing Reformulation Practices in the Ayurvedic Pharmaceutical Sector of South India Harilal Madhavan Azim Premji University [email protected] Abstract This article emphasises the role of domestic knowledge capabilities and networks in shaping an incentive structure for innovation and research. I combine an analysis of in-house research activities by ayurvedic firms in South India with their inter-firm and inter-institutional relations in the establishment of a new innovation regime aiming to promote growth in the ayurvedic sector. The tensions typical of this competitive envi- ronment are discussed by paying attention to the absence of contingent regulatory practices and the recent efforts in this direction as illustrated by the use of the ‘Magical Remedies Act’ to curtail the claims of many firms in the market. The ayurvedic pharma- ceutical company Oushadhi owned by the Government of Kerala as well as the private firms SNA Oushadhasala Pvt. Ltd. and Vaidyaratnam Oushadhasala Pvt. Ltd. (all from Thrissur district of Kerala) are analysed to delineate their research priorities and bottle- necks for innovations. The data of this ayurvedic sector is contrasted with the case of the Kani tribe and the ways in which their traditional knowledge has been reformulated into an industrial ayurvedic product. Through this exploration, the paper attempts to offer an economic explanation for increasing reformulation practices in Ayurveda. Keywords Ayurveda – bioprospection – -
In This Policy, the Investment Risk In
EXIDE LIFE UTTAM JEEVAN SP UIN - 114L053V01 TERMS AND CONDITIONS 1. Glossary of frequently use terms in this Policy. 1.1. Definitions In this Policy, unless the context requires otherwise, the following words and expressions shall have the meaning ascribed to them respectively herein below: Accident means an event or continuous series of events of violent, accidental, external and visible nature, which cause bodily injury during the period this Policy is in force. Benefits means the Death Benefit, Maturity Benefit, Surrender Benefit, Partial Withdrawal Benefit, Additional Accidental Death Benefit, Enhanced Protection Benefit or any other benefit, as the case may be, applicable in terms of this Policy. Business Day means any day on which (a) the stocks markets [BSE/NSE] is open to the public for trading and (b) Company is open in Bangalore to public for transacting business and (c) banks are generally open in Mumbai to public for transacting business; Charges means collectively the Mortality Charge, the Additional Accidental Death Benefit Charge, the Premium Allocation Charges, the Fund Management Charges, the Policy Administration Charges, the Switching Charges and Miscellaneous Charges excluding the applicable taxes, as set out in Annexure A hereto and other charges that may be levied by the Company from time to time under this Policy with the approval of the Regulatory Authority. Discontinued Policy Fund means a segregated fund of the Policy that is set aside and is constituted by the Fund Value on the date of Surrender on account of Surrender prior to completion of lock-in Period which shall earn a minimum interest rate of 3.5% per annum compounded yearly or such other rate prescribed by the Regulatory Authority. -
Office of the Chief Commissioner of CGST& Central Excise (Chandigarh Zone), Central Revenue Building, Sector 17-C Chandigarh
/ Office of the Chief Commissioner of Department of Excise and Taxation CGST& Central Excise Additional Town hall Building (Chandigarh Zone), Sector-17-C, UT Chandigarh Central Revenue Building, Sector 17-C Chandigarh-160017 Order 03/2017 Dated 20.12.2017 Subject: Division of Taxpayers base between the Central Government and Union Territory of Chandigarh In accordance with the guidelines issued by the GST Council Secretariat vide Circular No. 01/2017, issued vide F. No. 166/Cross Empowerment/GSTC/2017 dated 20.09.2017, with respect to the division of taxpayer base between the Central Government and Union Territory of Chandigarh to ensure single interface under GST, the State Level Committee comprising Ms. Manoranjan Kaur Virk, Chief Commissioner, Central Tax and Central Excise, Chandigarh Zone and Shri Ajit Balaji Joshi, Commissioner, Excise and Taxation Department, UT Chandigarh has hereby decided to assign the taxpayers registered in Union Territory of Chandigarh in the following manner: 1. Taxpayers with turnover above Rs l.S Crores. a) Taxpayers falling under the jurisdiction of the Centre (List of 2166 Taxpayers enclosed as Annexure- 'lA') SI. NO. Trade Name GSTIN 1 BANK OF BARODA 04AAACB1534F1ZE 2 INDIAN OVERSEAS BANK 04AAACI1223J2Z3 ---------- 2166 DASHMESH TRADING COMPANY 04AAAFD7732Q1Z7 b) Taxpayers falling under the jurisdiction of Union Territory of Chandigarh (List of 2162 Taxpayers enclosed as Annexure- 'lB') SI. NO. Trade Name GSTIN 1 IBM INDIA PRIVATE LIMITED 04AAACI4403L1ZW 2 INTERGLOBE AVIATION LIMITED 04AABCI2726B1ZA ---------- 2162 HARJINDER SINGH 04ABXPS8524P1ZK Taxpayers with Turnover less than Rs. 1.5 Crores a) Taxpayers falling under the jurisdiction of the Centre (List of 1629 Taxpayers enclosed as Annexure- '2A') 51. -
HEALTH SYSTEMS Women's Health Through Self-Help and Traditional
HEALTH SYSTEMS Women’s Health through Self-Help and Traditional Remedies: the Shodhini Experience TAMIL NADU Renu Khanna Introduction Shodhini is about the experiences of women who came together in search of a woman-centred approach as an alternative to the prevailing dominant systems of health care. Traditionally, woman healers have been informed by a wider consciousness and perspective about nature, the universe and disease. They have attempted to refrain from mere objectivity and have opted for a mode of perception in which both the healer and ‘healed’ participate in the sacred journey towards health. ‘Getting well’, in a person-centred approach, has a deeper meaning than just being free of a particular compliant or illness. Getting well means being alive, participating in and giving and taking from the energies of the universe. Pregnancy and childbirth, for instance, are an integral part of life and do not necessarily need doctors, nurses, hospitals and medicines. Self-help measures and knowledge that address women’s ailments can reduce the need for pharmaceutical and high-tech paraphernalia. Indigenous systems, especially the more popular, so-called oral traditions, have developed in relatively greater harmony with nature in contrast to the allopathic system, which continues to visualise health as a battle between human beings and nature’s predilections. In addition, the allopathic system, brought into India by the British, imposed a model of medical care that further marginalised women’s indigenous knowledge and health care practices. Women’s contribution to healing continues to be trivialised as unscientific. Whether the western health cares system, or for that matter any of the dominant, classical medical systems of India, really serve women, is open to question. -
LIST of CORPORATE AGENTS REGISTERED with the AUTHORITY AS on 31 Jan 2018
LIST OF CORPORATE AGENTS REGISTERED WITH THE AUTHORITY AS ON 31 Jan 2018 COR Number CA Name (Life/Non Life/Composite) Principle Officer Address Phone Number Valid FromValid Upto Life 1 Life 2 Life 3 General 1 General 2 General 3 Health 1 Health 2 Health 3 2401, General Thimmayah TATA AIA LIFE INSURANCE CHOLAMANDALAM MS RELIANCE GENERAL Religare Health Insurance Company CA0001 INDUSIND BANK LIMITED COMPOSITE KRISHNEKUMAR .S.T Road,Cantonment,Pune,Maharashtra 2026343201 4/1/2016 3/31/2019 COMPANY LTD GENERAL INSURANCE COLTD INSURANCE COMPANY LTD. Limited State Bank of India, State Bank Bhavan, Madame Cama Road,Nariman SBI LIFE INSURANCE SBI GENERAL INSURANCE CA0003 State Bank of India COMPOSITE RAJ KUMAR BANSAL Point,Mumbai,Maharashtra 2222740690 4/1/2016 3/31/2019 COMPANY LIMITED COMPANY LTD BARODA HOUSE,P B 506, CHOLAMANDALAM MS TATA AIG GENERAL NATIONAL INSURANCE MAX Bupa Health Insurance STAR HEALTH AND ALLIED CA0004 BANK OF BARODA COMPOSITE Vikrant SinghTanwar MANDVI,BARODA,Gujarat 2267592513 4/1/2016 3/31/2019 INDIA FIRST LIFE INSURANCE GENERAL INSURANCE COLTD INSURANCE COMPANY LTD COMPANY LIMITED Company Ltd. INSURANCE CO.LTD ALLAHABAD BANK, HEAD OFFICE,2, N S LIFE INSURANCE UNIVERSAL SOMPO GENERAL CA0005 ALLAHABAD BANK COMPOSITE SHEESH PAL ROAD,,KOLKATA,West Bengal 3322621690 4/1/2016 3/31/2019 CORPORATION OF INDIA INSURANCE CO.LTD CHOLA INSURANCE DISTRIBUTION New No 19, Old No 154,2nd Floor, Thambu CHOLAMANDALAM MS CA0006 SERVICES PRIVATE LIMITED GENERAL Biswajeet Padhi Chetty Street,Parrys,Tamil Nadu 4442166011 4/1/2016 3/31/2019 GENERAL INSURANCE COLTD C-10, G-Block,Bandra Kurla Complex,Bandra LIFE INSURANCE UNITED INDIA INSURANCE CO.